Skip to Content
Benefit Details
Federal Employees Health Benefits Program (FEHB)
Managing Agency U.S. Office of Personnel Management http://www.opm.gov

Program Description

The Federal Employees Health Benefits (FEHB) Program can help you meet your health care needs. Federal employees, employees of certain tribes, tribal organizations or Urban Indian organizations, Federal retirees and Federal survivors enjoy the widest selection of health plans in the country. You can choose from among Fee-for-Service (FFS) plans with Preferred Provider Organizations (PPO), Health Maintenance Organizations (HMO) if you live (or sometimes if you work) within the area serviced by the plan, Consumer-Driven Health Plans (CDHP), and High Deductible Health Plans (HDHP).

Some FFS plans are open to all enrollees, but some require that you join the organization that sponsors the plan, which usually involves paying a membership fee. Some FFS plans limit enrollment to certain employee groups. Membership requirements and/or service area requirements also apply to Consumer-Driven or High Deductible Health Plans.

Managed care is an important part of health care today. Common features of managed care are pre-approval of hospital stays, the use of primary care providers as "gatekeepers" to coordinate your medical care, the use of a prescription drug formulary, and networks of physicians and other providers.

General Program Requirements

As a Federal employee or employee of certain tribes, tribal organizations or Urban Indian organizations, you are eligible to elect FEHB coverage, unless your position is excluded by law or regulation. Your Federal agency or tribal employer applies these rules and determines your eligibility. However, there are numerous special provisions for people in part-time or intermittent employment, temporary appointments, and specifically named positions.
For Federal employees, the chapter titled "Eligibility for Health Benefits" in the FEHB Handbook explains these and other eligibility provisions. Please visit our online Handbook for additional information:
http://www.opm.gov/healthcare-insurance/healthcare/reference-materials/#url=FEHB-Handbook

For employees of certain tribes, tribal organizations or Urban Indian organizations, eligibility provisions are provided in the Tribal Federal Employees Health Benefits (FEHB) Handbook available at:
http://www.opm.gov/healthcare-insurance/tribal-employers/reference-materials/tribal-handbook.pdf

Your Next Steps

The following information will lead you to the next steps to apply for this benefit.

Application Process

For information on how to enroll in a health plan as a Federal employee, visit:
www.opm.gov/healthcare-insurance/healthcare/enrollment

For information on how to enroll in a health plan as an employee of a tribe, tribal organization or Urban Indian organization, please see your Human Resources office.

If you need assistance in picking the health plan that will work best for you, visit:
www.opm.gov/healthcare-insurance/healthcare/plan-information/

Program Contact Information

For additional assistance:
For Federal employees, please contact the Human Resources office of your agency.
For employees of a tribe, tribal organizations or Urban Indian organizations, please visit your Human Resources office.
Frequently Asked Questions can be found at the following location:
www.opm.gov/healthcare-insurance/insurance-faqs/