Health Benefits

FEHB – FEHB Web Site 

The Federal Employees Health Benefit Plan (FEHBP), administered by the Office of Personnel Management, is among the most generous and popular of all postal benefit plans.

  • Virtually all career USPS employees (and eligible family members) are covered by the FEHBP.
  • Employees that are not eligible (with certain exceptions) include those serving in a temporary position lasting less than a year (including Casual and Temporary Employees, Substitute Rural Carriers, and Rural Carrier Associates). Other exclusions include non-citizens and employees paid on a contract or fee basis including contract job cleaners and contract carriers.
  • Several types of plans are available, including the Service Benefit Plan (available nationwide), Employee Organization Plans (available through employee organizations such as labor unions), and Comprehensive Medical Plans (group practice plans/HMOs) available regionally. You must consider your individual and family situation in deciding which health plan is best for you and your family.

FEDVIP Benefeds Web Site 

The Federal Employees Dental and Vision Insurance Program provides comprehensive dental and vision insurance at competitive group rates. There are seven dental plans and three vision plans from which to choose. FEDVIP features nationwide, international, and regional plans.

 

  • Employees must be eligible for the FEHB Program in order to be eligible to enroll in Federal Employees.
  • Dental/Vision Program (FEDVIP). It does not matter if they are actually enrolled in FEHB – eligibility is the key.
  • Annuitants do not have to be eligible or enrolled in the FEHB Program.
  • Dental and Vision benefits are available to eligible Federal and Postal employees, retirees, and their eligible family members on an enrollee-pay-all basis.
  • This Program allows dental and or 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.
  • Upon retirement, your FEDVIP enrollment will automatically continue and payroll deductions will be collected through your annuity. There is not an opportunity to cancel your FEDVIP coverage.

FLTCIP LTCFEDS Web Site 

The Federal Long Term Care Insurance Program (FLTCIP) provides long term care insurance for its enrollees, who are Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives.

  • Eligibility includes Federal and US Postal Service employees in positions that convey eligibility for the Federal Employees Health Benefits Program (whether or not they are actually enrolled in FEHB).
  • Federal or USPS annuitants, including survivor and deferred annuitants are also eligible.
  • Other eligible persons:
    Spouses of eligible employees or annuitants.
    Same-sex domestic partners of employees or annuitants who have submitted a form affirming this status
    Parents, parents-in-law, and stepparents of living employees.
    Adult children (at least 18 years old, including adopted or step children) of living employees or annuitants.
    Surviving spouses of active/retired members of the uniformed services who are receiving a Federal survivor annuity or who received a basic employee death benefit under the Federal Employees Retirement System.

FSAFEDS FSAFEDS Web Site 

A Flexible Spending Account, or FSA, is an employee benefit program that allows you to set aside money, on a pre-tax basis, for certain health care and dependent care expenses. That means YOU keep MORE of your MONEY. FSAFEDS offers three types of accounts:

 

A Health Care FSA (HCFSA) is used to pay for eligible health care expenses that are not covered under your insurance plan, such as co-payments and over-the-counter medicines, such as Tylenol and Sudafed. It is sometimes referred to as a general purpose HCFSA.

 

A Limited Expense Health Care FSA (LEX HCFSA) is used in place of the general purpose Health Care FSA if the participant enrolled in a High Deductible Health Plan with a Health Savings Account (HSA). The Limited Expense HCFSA allows you to submit eligible dental and vision expenses only.

 

A Dependent Care FSA (DCFSA) is used to pay for childcare or adult dependent care expenses that are necessary to allow you and your spouse, if married, to work, look for work or attend school full-time. However, if you did not find a job and have no earned income for the year, your dependent care costs are not eligible.