The Federal Employees Health Benefits (FEHB) Program

The Federal Employees Health Benefits (FEHB) Program can help employees and their family meet their health care needs. Employees can choose from among Consumer-Driven and High Deductible plans that offer catastrophic risk protection with higher deductibles, health savings/reimbursable accounts and lower premiums, or Fee-for-Service (FFS) plans, and their Preferred Provider Organizations (PPO), or Health Maintenance Organizations (HMO) if employee lives (or sometimes works) within the area serviced by the plan.

Employees can enroll in FEHB if they are:

  • a permanent Federal employee with a regularly scheduled tour of duty;
  • a temporary employee with an appointment for longer than one year; or
  • a temporary employee with an appointment limited to one year or less, and you have completed one year of current continuous employment (excluding any break in service of 5 days or less).

Employees are not eligible to enroll if they are an intermittent employee (they do not have a prearranged regular tour of duty) or if their position is excluded from coverage by law or regulation.

Employees can compare health plans, link to plan web sites, and get information on plan quality as well as download plan brochures and guides on the OPM web site at They can access the FEHB Handbook, which contains policies, procedures, and guidance for enrollees and employing offices on the FEHB Program. Employees should consider the total benefit package, in addition to service and cost, and provider availability when choosing a health plan.

Employees can enroll or make enrollment changes online at or by calling 1-877-276-9287.

If employees do not enroll when first eligible, they will not be able to enroll until Open Season or upon experiencing a qualifying life event.

Employees should contact the Army Benefits Center-Civilian (ABC-C) at 877 276 9287 for additional information or assistance.

ABC-C Benefits Counselors are available from 6:00 a.m. to 6:00 p.m., Central Time, Monday through Friday except on Federal Holidays.

Content last reviewed: 9/24/2012-VOH

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Return to: PERMISS Homepage | Employee Benefits Information & Advice

This page was last revised: 10/3/2012