If you want more dental coverage than what your health plan oers, FEDVIP provides comprehensive dental 

insurance with no waiting periods (except orthodontia in some plans). You have several plans to choose 

from, each covering:

Online tools can help you select the right plan for your family:

DENTAL INSURANCE

ENROLLMENT INFO: www.benefeds.com or 1-877-888-3337 

For complete information, including terms and conditions, please review each plan’s brochure.

Routine exams Crowns Fillings

 and cleanings Root canals Orthodontics

X-rays Dentures And more! 

Who can enroll?

Federal employees who 

are eligible to enroll in 

FEHB health insurance, 

but you do not have to be

enrolled in FEHB

Annuitants receiving an 

immediate annuity 

regardless of FEHB 

eligibility

Contact your human 

resources oce if you are 

unsure of your eligibility

Who is covered by 

my enrollment?

Self Only covers just you

Self Plus One covers you 

and one specied eligible 

family member: your 

spouse or one unmarried 

dependent child under 

age 22

Self and Family covers 

you, your spouse, and 

all your unmarried 

dependent children 

under age 22 listed on 

your enrollment

When can I enroll?

During your rst 60 days 

as a newly eligible 

employee; or

During the Federal 

Benets Open Season 

(mid-November to 

mid-December); or

When you have a 

qualifying life event such 

as marriage or losing 

other dental coverage

How much does 

it cost?

It depends on what plan 

you select and where you 

live. Some areas pay 

higher premiums than 

others

Routine basic services like 

exams and cleanings are 

covered 100% when you 

use a network dentist. 

For other services, you 

usually pay part of the 

cost out-of-pocket

Plan comparison tools available at www.opm.gov/FEDVIPcompare

Complete cost and coverage information for each plan available at www.opm.gov/dental

U.S. OFFICE OF PERSONNEL MANAGEMENT

The Federal Employees Dental and Vision Insurance Program (FEDVIP)
More than 360,000 Feds use pre-tax dollars to save an average of 30% on their family's health care and dependent 

care expenses.

When your insurance only covers part of an expense, or doesn’t cover it at all, you’re stuck with the bill. Joining 

FSAFEDS is like getting a 30% discount on what you, your spouse, and your eligible children under 26 spend on:

You can also use FSAFEDS pre-tax dollars to save about 30% on your family’s dependent care expenses.

It’s like a 30% discount on:

You le claims by mail, fax, or online. Some insurance plans will le claims automatically for you. FSAFEDS quickly 

reimburses you for these expenses with pre-tax dollars you’ve set aside from your pay. 

· e annual contribution minimum is $100 for each kind of FSAFEDS account

· Health care participants have until December 31st to incur eligible expenses and can carry over up to $500 of unused

funds into another health care account in the subsequent year if requirements are met

· Dependent care participants have a grace period of an additional 2 1⁄2 months (January 1 through March 15) to

continue to incur eligible expenses against their prior year balance if requirements are met. Dependent care

participants cannot carry over funds from one benet period into another

· You can enroll during the Federal Benets Open Season and must actively re-enroll each year to remain enrolled

MORE INFO: www.FSAFEDS.com or 1-877-372-3337

For complete information, including terms and conditions, please visit www.FSAFEDS.com.

Prescriptions Eyeglasses Massage Therapy

Deductibles & copayments Prescription sunglasses Sunblock

Oce visits Contact Lenses First aid kits

Lab tests Laser eye surgery Diabetes testing supplies

Ambulance Orthodontics Hand sanitizer

Transportation (if it’s a Birth control pills Wheelchairs and walkers

purely medical trip) In vitro fertilization And more!

For your children under age 13:

• Day care

• Summer day camp

• Babysitting

• Before and after school care

• Housekeeper whose duties

include child care

Non-medical care for any adult who is 

mentally or physically incapable of 

self-care, who you claim as a dependent 

on your tax return, and who lives with 

you, such as your:

• Parent, grandparent, or in-law

• Spouse, sibling, or adult child

FLEXIBLE SPENDING ACCOUNTS

U.S. OFFICE OF PERSONNEL MANAGEMENT

The Federal Flexible Spending Account Program (FSAFEDS)
HEALTH INSURANCE

MORE INFO: www.opm.gov/health 

For complete information, including terms and conditions, please review each plan’s brochure.

Unexpected accidents and illnesses can be expensive. Even routine doctor visits and prescriptions can add up. With 

FEHB, you can get comprehensive health insurance coverage for you, your spouse, and your 

children under age 26.

ere are no waiting periods and no restrictions on pre-existing conditions. All plans offer preventative services at no 

cost when received from a Preferred Provider. is includes childhood immunizations, screenings for cancer, diabetes, 

and high blood pressure, and tobacco cessation services and medications. No matter where you live, you have 11 or 

more health plan options to choose from, each covering:

• Routine physical exams • Ambulance services • Urgent care

• Doctor’s oce visits • Inpatient hospital care • Mental health services

• Specialist visits • Surgery • Stop smoking aids

• Lab tests • X-rays • Physical therapy

• Prescriptions • Maternity care • And more

Who can enroll?

Most Federal employees 

are eligible 

Annuitants may be 

eligible to continue their 

FEHB coverage into 

retirement if they meet 

certain requirements 

Check with your human 

resources office if you are 

unsure

When can I enroll?

During your first 60 days 

as a newly eligible 

employee; or

During the Federal 

Benefits Open Season 

(mid-November to 

mid-December); or

When you have a 

qualifying life event 

such as marriage, divorce, 

or birth

How much does it 

cost?

It depends on what plan 

you select

Each pay period, you pay 

about 30% of the premium and your agency pays 

about 70%

Generally you also pay 

part of the cost for any 

service you receive

How do I enroll?

Use your agency electronic 

enrollment system, or

visit www.opm.gov/forms 

and submit form 

SF 2809 to your human 

resources office

Annuitants not currently 

enrolled in FEHB cannot 

enroll after retirement

Online tools can help you select the right plan for your family:

Use the plan comparison tools at www.opm.gov/FEHBcompare

Complete cost and coverage information for each plan available at www.opm.gov/health

U.S. OFFICE OF PERSONNEL MANAGEMENT

The Federal Employees Health Benets Program (FEHB)
Federal Employees Health Benets Program (FEHB)

Unexpected accidents and illnesses can be expensive. Even routine doctor visits and prescriptions can add 

up. With FEHB, you have 11 or more health plan options to choose from. Each plan provides comprehensive coverage for you, your spouse, and your children under age 26. It’s competitive; your agency 

contributes to the premium. ere are no waiting periods and no restrictions on 

pre-existing conditions. Cheers to health!

Federal Employees Dental and Vision Insurance Program (FEDVIP)

If you want more dental coverage than what your health plan offers, FEDVIP’s comprehensive dental 

insurance can cover you, your spouse, and your unmarried dependent children 

under age 22 for cleanings, x-rays, cavities, orthodontics, and more. With 10 dental plans to choose 

from, it’s easy to keep your family smiling.

Federal Employees Dental and Vision Insurance Program (FEDVIP)

If you want more vision coverage than what your health plan offers, FEDVIP’s comprehensive vision 

insurance can cover you, your spouse, and your unmarried dependent children under age 22 for eye 

exams, glasses, contact lenses, and even laser eye surgery. With 4 vision plans to 

choose from and premiums starting around $3 biweekly, you're looking well.

Federal Employees' Group Life Insurance Program (FEGLI)

With FEGLI, your family is protected from burdensome funeral costs and catastrophic income loss if you 

die unexpectedly. You can get coverage from as little as one year’s salary to more than 

six years’ salary and many options in between. You can also get coverage for your spouse and eligible 

children. Now that’s peace of mind you can live with. 

Federal Long Term Care Insurance Program (FLTCIP)

If you cannot perform everyday tasks such as eating, dressing, and bathing because of a chronic illness, injury, 

disability, or aging, long term care insurance can help you pay for the assistance you need. With FLTCIP, you 

and your eligible family members can be protected from this nancial burden that can cost an 

average of $30,000 to $83,000 a year.

Federal Flexible Spending Account Program (FSAFEDS)

More than 360,000 Feds use pre-tax dollars to save on their health and dependent care expenses. It’s like a 

30% discount for what your family spends on prescriptions, doctor visits, glasses, 

orthodontics, and other health expenses. It’s also like a 30% discount on daycare 

expenses for your children under age 13 and on daycare for your adult dependents. When you’re in 

FSAFEDS, you’re in the money.

INSURANCE

MORE INFO: www.opm.gov/insure

For complete information, including terms and conditions, please visit www.opm.gov/insure.

Federal Employee Insurance Benets Overview

U.S. OFFICE OF PERSONNEL MANAGEMENT
FEGLI can help you protect your loved ones from burdensome funeral costs and catastrophic loss of your 

income if you die unexpectedly.

LIFE INSURANCE

MORE INFO: www.opm.gov/life 

For complete information, including terms and conditions, please visit www.opm.gov/life. 

Amount of Coverage: Your annual salary rounded up to the next even $1,000, plus $2,000

Who is Covered?: You

BASIC Cost each biweekly pay period: 15¢ per $1,000 of coverage (Free for postal employees)

Cost increases with age?: No

Newly eligible employees automatically enrolled?: Yes, unless you waive coverage

Amount of Coverage: $10,000

Who is Covered?: You

OPTION Cost each biweekly pay period: Starting at 20¢

A Cost increases with age?: Yes

Newly eligible employees automatically enrolled?: No, you must elect this coverage 

Amount of Coverage: 1, 2, 3, 4, or 5 multiples of your salary rounded up to the next even $1,000

Who is Covered?: You

OPTION Cost each biweekly pay period: Starting at 2¢ per $1,000 of coverage

B Cost increases with age?: Yes 

Newly eligible employees automatically enrolled?: No, you must elect this coverage

Amount of Coverage: 1, 2, 3, 4, or 5 multiples. Each multiple equals $5,000 for the life of your 

 spouse and $2,500 for the life of each eligible child

OPTION Who is Covered?: Your spouse and unmarried dependent children under age 22

Cost each biweekly pay period: Starting at 22¢ per multiple

C Cost increases with age?: Yes

Newly eligible employees automatically enrolled?: No, you must elect this coverage

I want to... When can I do this? How can I do this? 

• First 60 days as a new or newly 

eligible employee; or 

• Within 60 days after a life event 

(marriage, divorce, death of spouse, 

acquire an eligible child); or 

• Life insurance Open Season (not 

annual - infrequent); or 

• When you pass a physical exam 

(Option C excluded) 

• Use your agency’s electronic 

enrollment system; or 

 Go to 

opm.gov/forms/standard-forms

 Submit form SF 2817 to your human 

resources office 

 Bring a blank form SF 2822 to your 

human resources office (physical 

exam applications only) 

•

Enroll or increase 

coverage •

•

Cancel or reduce 

coverage Anytime 

Use your agency’s electronic enrollment 

system or submit form SF 2817 to your 

HR office

Designate a (new) beneficiary Anytime Submit form SF 2823 to your HR office 

U.S. OFFICE OF PERSONNEL MANAGEMENT

The Federal Employees' Group Life Insurance Program (FEGLI)
If you cannot perform everyday tasks such as eating, dressing, and bathing because of a chronic illness, injury, 

disability, or aging, FLTCIP can help you pay for the assistance you need.

LONG TERM CARE

MORE INFO: www.LTCfeds.com

For complete information, including terms and conditions, please visit www.LTCfeds.com.

Who can apply for coverage? Why would 

someone need 

long term care? 

Where would 

someone 

receive care? 

Cost without 

long term care 

insurance

Most Federal employees 

(check with your human resources

office if you are unsure of your eligibility),

Annuitants regardless of FEHB 

eligibility,

And their qualifying relatives, 

including:

• Spouse 

• Domestic partner 

• Adult children 

• Parents and parents-in-law 

• Car accident

• Sports accident

• Disabling injury

• Alzheimer’s 

• Stroke 

• Multiple sclerosis

• Parkinson’s 

• Other disabling 

condition 

• Old age 

Home 

Assisted living

facility 

Nursing home

$30,000/year 

$41,000/year 

$83,000/year 

*Nat’l averages,

John Hancock 

2013 Cost of 

Care Survey (of employees only) 

How much 

coverage 

should I get? 

How much 

does it cost?

How do I get coverage under the Federal Long Term 

Care Insurance Program (FLTCIP)? 

Use the Cost of 

Care In Your 

Area tool at 

LTCfeds.com 

Consider how 

much of your 

own savings you 

can spend on 

long term care 

Premiums are based

on your age when

you apply

Premiums are 

not guaranteed 

and may change 

in the future

Use the Calculate

Premiums tool 

at LTCfeds.com

You must apply, answer health questions, and be 

approved for enrollment. Your qualified relative can apply 

even if you do not 

• First 60 days as newly eligible employee 

(fewer questions - employee & spouse only) 

• First 60 days after employee’s marriage 

(fewer questions - spouse only) 

• Long term care open season 

(fewer questions - infrequent) 

• Anytime

(more questions - all eligible individuals) 

U.S. OFFICE OF PERSONNEL MANAGEMENT

The Federal Long Term Care Insurance Program (FLTCIP)
Routine eye exams Lens options such as shatter-resistant 

Contact lenses polycarbonate; scratch-resistant,

Discounts on laser eye surgery anti-reective, and UV coatings; and 

Eyeglass frames and lenses tinted and progressive lenses

Online tools can help you select the right plan for your family:

Plan comparison tools available at www.opm.gov/FEDVIPcompare

Complete cost and coverage information for each plan available at www.opm.gov/vision

If you want more vision coverage than what your health plan oers, FEDVIP provides comprehensive vision 

insurance for you and your eligible family members. You have 4 plans to choose from, 

each covering:

VISION INSURANCE

ENROLLMENT INFO: www.benefeds.com or 1-877-888-3337 

For complete information, including terms and conditions, please review each plan’s brochure.

U.S. OFFICE OF PERSONNEL MANAGEMENT

The Federal Employees Dental and Vision Insurance Program (FEDVIP)

Who can enroll?

Federal employees who 

are eligible to enroll in 

FEHB health insurance, 

but you do not have to be

enrolled in FEHB

Annuitants receiving an 

immediate annuity 

regardless of FEHB 

eligibility

Contact your human 

resources oce if you are 

unsure of your eligibility

Who is covered by 

my enrollment?

Self Only covers just you

Self Plus One covers you 

and one specied eligible 

family member: your 

spouse or one unmarried 

dependent child under 

age 22

Self and Family covers 

you, your spouse, and 

all your unmarried 

dependent children 

under age 22 listed on 

your enrollment

When can I enroll?

During your rst 60 days 

as a newly eligible 

employee; or

During the Federal 

Benets Open Season 

(mid-November to

mid-December); or

When you have a 

qualifying life event such 

as marriage or losing 

other vision coverage

How much does 

it cost?

It depends on what 

plan you select. Vision 

premiums start at around 

$3 biweekly ($7 monthly)

for Self Only

All plans provide benets 

for your choice of either 

glasses or contacts