OPM.gov / Retirement / My Annuity and Benefits / Healthcare & Insurance

Skip to main content

### In this section

- My Annuity and Benefits Toggle submenu   - Services Online
  - Life Events
  - Annuity Payments
  - Healthcare & Insurance
  - Medicare
  - Thrift Savings Plan
  - Related Federal Benefits
  - Retirement Eligibility Surveys
  - Representative Payees
- CSRS Information Toggle submenu   - Eligibility
  - Computation
  - Creditable Service
  - Planning and Applying
  - Types of Retirement
  - Survivors
  - Military Retired Pay
  - Service Credit
  - Former Employees
- FERS Information Toggle submenu   - Eligibility
  - Computation
  - Creditable Service
  - Planning & Applying
  - Types of Retirement
  - Survivors
  - Military Retired Pay
  - Service Credit
  - Former Employees
- Phased Retirement
- Retirement Statistics
- Special Notices
- Federal Ball Park Estimator
- FEGLI Calculator
- Tax Information for Annuitants
- Publications & Forms Toggle submenu   - Pamphlets
  - Retirement & Insurance Forms
  - Benefits Administration Letters
  - Financial Management Letters
  - Payroll Office Letters
  - CSRS/FERS Handbook
- Benefits Officers Center Toggle submenu   - List of Benefits Officers
  - Tools
  - Aids
  - FERS Election Options
  - Training
  - Reference Materials
- Pre-Retirement
- Post-Retirement
- Leaving the Government
- Survivor Benefits
- How to Make a Payment
- Quick Guide
- Contact Retirement
- Retirement Information Center
- Application Tips

### Resources For

          - New / Prospective Employees
          - Federal Employees
          - Retirees or Family Members
          - Benefits Officers

# Healthcare & Insurance

## Insurance Benefits

As a Federal employee, retiree or family member of one of these groups, there are various insurance benefits available to you.

### Health Benefits

The Federal Employees Health Benefits (FEHB) Program became effective in 1960. It is the largest employer-sponsored group health insurance program in the world, covering over 9 million Federal employees, retirees, former employees, family members, and former spouses. For more information about FEHB, please visit the Insurance Programs homepage.

### Life Insurance

Established in 1954, the Federal Employees' Group Life Insurance (FEGLI) Program is the largest group life insurance program in the world, covering over 4 million Federal employees and retirees, as well as many of their family members. For more information about the FEGLI program visit the Insurance Programs homepage.

### Federal Employees Dental & Vision Insurance Program (FEDVIP)

The Federal Employees Dental and Vision Insurance Program (FEDVIP) is available to eligible Federal and Postal employees, retirees, and their eligible family members on an enrollee-pay-all basis. This Program allows dental and vision insurance to be purchased on a group basis which means competitive premiums and no pre-existing condition limitations. Premiums for enrolled Federal and Postal employees are withheld from salary on a pre-tax basis.

### Long Term Care

The Federal Long Term Care Insurance Program provides an important benefit that can help pay long term care expenses you may incur in the future. Federal and Postal employees and annuitants, active and retired members of the uniformed services, and qualified relatives can apply for this insurance. Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. For more information about the FLTCIP, please visit the Program homepage.

### Flexible Spending Accounts

Flexible Spending Accounts enable eligible employees to pay for certain medical and dependent care expenses with pre-tax dollars. Retirees are not eligible for flexible spending accounts. For more information about the Federal Fexible Spending Account Program (FSAFEDS) for employees, please visit the Program homepage.

Back to top