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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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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 inpatient in the hospital when your health plan applies such expenses to your deductible or coinsurance. Coverage includes inpatient hospital stays, inpatient surgeries, and physician’s in-hospital charges. Also includes coverage for emergency room treatment if the ER treatment results in a hospital admission.

Routine newborn nursery care and well-baby care is not a covered expense.