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Even if you have a High Deductible Health Plan, or traditional medical insurance, you may not be covered for all of the expenses related to the treatment and recovery from a major illness. Combined with Accident or Disability insurance, Critical Illness insurance can help ensure you’ll be better prepared to cover out-of-pocket expenses in the event of a serious illness. 

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Q: Share of Costs for Benefits?

The federal benefits cost share:

Coverage

Government Pays

You Pay

 FEGLI

- Basic Life
-
Optional Life

 

1/3 of the cost
-0-

 

2/3 of the cost
100%

 FEHB

(Health Insurance)

 

72% to 75%

 

25% to 28%

 Dental Insurance

 -0-

100%

 Vision Insurance

 -0-

100%

 Long Term Care Insurance

 -0-

 100%

 TSP

- Automatic
- Voluntary

 

1%
Up to 4%

 

-0-
Up to IRS Elective Deferral Limit

FERS

- Regular
- Special Groups

 

 .80%
1.30%

 

.80%
1.30%

 Social Security

 6.20%

 6.20%