Healthcare & Insurance

Groups of Insurance

Healthcare and Insurance is organized into two major groups — Federal Employee Insurance Operations (FEIO) and National Healthcare Operations (NHO). FEIO is responsible for the Governmentwide administration of health benefits and insurance programs and services for Federal employees, retirees, and their families, through the Federal Employees Health Benefits Program (FEHBP). These programs and services offer employees choice, value, and quality, and help maintain the Government’s position as a competitive employer.


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NHO also helps to administer the Federally-run Pre-Existing Conditions Insurance Plans (PCIP) in States that do not establish PCIP programs themselves. NHO does this on behalf of the US Department of Health and Human Services, which has primary responsibility for the PCIP program. The PCIP program is an entirely new program created under the ACA. This program makes health insurance available to individuals who have been denied coverage by a private insurance company because of a pre-existing condition, have been uninsured for at least six months, and are U.S. citizens or are residing in the U.S. legally.

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The Federal Employees Dental and Vision Insurance Program (FEDVIP) is available to eligible Federal and Postal employees, retirees, and their eligible family members on an enrollee-pay-all basis. This Program allows dental and vision insurance to be purchased on a group basis which means competitive premiums and no pre-existing condition limitations. Premiums for enrolled Federal and Postal employees are withheld from salary on a pre-tax basis.