What Federal Life Is
Federal Life is a health insurance product offered through the Federal Employees Health Benefits (FEHB) program. It provides medical coverage to federal employees, retirees, and certain family members, but it is not a standalone health plan—rather, it is one of many options within the FEHB marketplace.
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Eligibility and Enrollment
To enroll, you must be a federal employee, a former employee who meets the retirement age, or a spouse of an eligible employee. Enrollment occurs during the annual open‑enrollment period or within a qualifying life event window.
Coverage Details
Federal Life plans cover preventive care, outpatient services, prescription drugs, and hospital stays. The specific benefits vary by plan tier, and cost sharing depends on the chosen deductible and copayment structure.
How It Differs From Other Federal Benefits
Unlike the Federal Employees' Group Life Insurance (FEGLI), which provides life insurance protection, Federal Life focuses on medical care. It also differs from the Federal Employees' Health Benefits (FEHB) program itself, which is the umbrella that houses multiple health plans, including Federal Life.
Choosing the Right Plan
When selecting a plan, compare premiums, out‑of‑pocket limits, provider networks, and prescription coverage. Use the FEHB plan comparison tool to assess which Federal Life option best matches your health needs and budget.