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You pay 100% of the premiums for your FEGLI Option B coverage. Unlike your Basic Life coverage which offers a level premium for all employees; Option B charges based on your age and the premiums increase every 5 years. Since Option B provides the most life insurance coverage under FEGLI it's the most expensive.

FEGLI charges the same rates regardless of whether or not you smoke, your overall health or if you are a male or female. If you don’t smoke and are reasonably healthy or if you are a female you may be overpaying for your Option B coverage.

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General *
Disability Insurance *
Inpatient Medical Expense Insurance *
Q: Who is eligible to enroll?
The Medical Expense Insurance plan is open to...
Q: When does the coverage become effective?
You become eligible for benefits under the plan on the...
Q: When I retire, can I keep it?
Yes, the Medical Expense Insurance plan is available to...
Q: How does it work?
A medical expense insurance policy is designed as a ...
Q: Will it work with all health options?
Yes, regardless of the health plan you choose...
Q: Why do I need Supplemental Inpatient Medical Expense Insurance?
This program can substantially reduce your inpatient out-of-pocket costs and...
Q: Can I still contribute to my Flexible Spending Account?
Yes, enrolling on the medical expense insurance...
Q: How do I enroll?
Enrollment is a breeze, simply follow these easy steps...
Q: Do I have to take a physical?
No, a physical exam or evidence of health is not ...
Q: What are the exclusions and limitations?
For an expense to be eligible under the medical expense insurance...
Q: When can I cancel the plan?
You may cancel the plan at anytime....
Q: What gaps does it fill?
A medical expense insurance policy is designed as a companion...
Q: What are some basic plan benefits of the inpatient medical expense insurance program?
This benefit is designed to offset the cost you incur as an ...
Q: Do you have any examples of how the inpatient medical expense insurance benefits might apply?
Here is an example of Inpatient Medical Expense Insurance benefits...
Q: How do I pay for the plan?
Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees and Retirees would pay monthly. All premiums are paid after-tax....
Q: Will my premiums increase with age after my initial enrollment?
No! The monthly premiums are age-banded. However, ...
Q: How do I submit a claim?
In order to receive benefits under our program you need to...
Claim Forms *

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