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Federal Benefits Matrix

Federal Employees Health Benefits (FEHB) Program

Eligibility Credit/Changes Other Cost

New hires have 60 days to enroll in any of the FEHB plans and options.  If an employee does not sign up during this 60 day window, he/she must wait until the next available FEHB Open Season or a permissible change that will allow him/her to enroll in a FEHB plan. 

An enrollment or change of enrollment is effective on the first day of the first pay period after the employing office receives the SF-2809 FEHB Registration Form and the employee is in pay status. 

See the Table of Permissible Changes on SF-2809, Health 
Benefits Registration Form, for additional information on eligibility options and effective dates. 

A covered employee can change from self and family to self only at any time.  Changes can also be made if it is a permissible change listed in the FEHB Handbook and on the SF-2809.  All other changes must be made during the annual FEHB Open Season. 

Temporary Continuation of Coverage (TCC) allows employees to temporarily continue participating in the FEHB plan of their choice for a limited period of time. 

Former employees whose FEHB ended upon separation, children who lose FEHB coverage under a family enrollment, and former divorced spouses who would be eligible for FEHB coverage are eligible for TCC coverage. 

Nationwide FEHB Plans include Alliance, APWU, Blue Cross/Blue Shield, GEHA, Mailhandlers, NALC, and Postmasters. 

The FEHB Program guarantees coverage.  There is no medical examination and no restrictions for pre-existing medical conditions. 

The Government 
contributes to the cost and you can continue coverage after Federal retirement and the employee’s spouse can continue the coverage as a survivor annuitant. 

To continue FEHB into retirement an employee must retire on an immediate (or post-poned) annuity and be enrolled (or covered as a family member) under FEHB for the 5 years immediately preceding retirement, or for all service since first opportunity to enroll.  Note: For a death-in-service case, the employee/retiree must have been in a family plan at the date of death and have at least 18 months of creditable service at the date of death (FERS Exception).

The current FEHB rates are provided in the Guide to Federal Employees Health Benefits Plans (Form RI-70-1. 

This Guide provides the rates for all health benefit plans, including Health Maintenance Organization plans located geographically, by State. 

Back to CES HR Guidance Index