Health Insurance in the Federal Government
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Significance
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The Federal Health Plan, known as FEHB provides general health care to employees. Coverage is optional and deducted through pre-tax dollars. The federal government employer typically subsidizes a partial amount of the cost.
Features
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The federal government's dental and vision plan allows government employees optional coverage for enrolling with payment through pre-tax dollars. It is typically not an employer-subsidized coverage plan, so the employee is responsible for paying the full premium amount.
Identification
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In general, there is no pre-existing illness exception for any of the plans.
Benefits
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Employees also are offered pre-tax savings through the federal health flexible care program. This program allows federal government employees to save money with pre-tax allowances to cover qualified health care costs.
Considerations
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The federal government also allows employees to contribute to palliative care, nursing facilities and home health care for themselves or their dependents, through a long-term health program.
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