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OPM.gov / Insurance / Guide Me
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Guide Me

Retirees / Survivors

Overview

Welcome to the insurance services website for Federal retirees and their survivors. Here, you will find various resources to help you and your family make informative choices regarding health, dental, vision, life, and long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need.

Choose a program to begin:

Health

As a Federal employee, you may be able to enroll in health, dental, vision and life insurance, flexible spending accounts, and apply for long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More

Dental

Eligible employees and annuitants can choose among 4 nationwide and 3 regional dental plans. Nationwide plans also offer international coverage. Learn More

Vision

Eligible employees and annuitants can choose among 3 nationwide vision plans. Nationwide plans also offer international coverage. Learn More

Life

We offer the largest group life insurance program in the world, covering employees, retirees and family members. Learn More

Flexible Spending Accounts

Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season. Learn More

Long Term Care

Most Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives are eligible to apply for insurance coverage under the FLTCIP. Learn More

Long Term Care

I’m eligible for Medicare. What do I do?

Medicare pays limited amounts for skilled care following a hospital stay; Medicare does not cover most long term care services which assist people with the activities of daily living over a long period of time. Medicare will only cover the first 100 days of care in a nursing home per Medicare Benefit Period if you 1) Are receiving skilled care, and 2) Have a qualifying hospital stay of at least three days and enter the nursing home within 30 days of that hospital discharge.

You may still wish to consider applying for coverage under the Federal Long Term Care Insurance Program.

Related Questions

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