Health and Life Insurance    
The OPM website is the best resource for detailed insurance information. Visit OPM to explore the great benefits available to federal employees. NGA employees also benefit from other supplemental insurance options available to the Intelligence Community.

Health Insurance

The Federal Employees Health Benefits Program offers a wide variety of plans and coverage to help you meet your health care needs. The government pays approximately 72-75% of the total premium for any plan and employees pay the remainder. Benefits are available as soon as coverage becomes effective. There are no pre-existing condition limitations even if an employee changes plans during eligible enrollment periods. Employees can choose between Self Only or Self and Family coverage from a variety of plans and options. Each year employees can enroll or change health plan enrollment during health benefits “Open Season.”

Life Insurance

Federal employees are given an opportunity to select low-cost life insurance coverage for themselves and eligible members of their families. This coverage will be based on their annual salary and will include payments for loss of limbs and/or eyesight in addition to accidental death.

Long-Term Care

Long-Term Care Insurance is designed to cover services you need when you are unable to perform certain activities of daily living or need care due to a severe cognitive impairment. Active employees and their current spouses may contact LTC Partners for an application. Same-sex domestic partners are also now eligible as a qualified relative to apply for coverage. Eligible individuals must prove they meet the definition of “domestic partnership.” For further information, access their website site at

Flexible Spending Accounts

The Flexible Spending Account Program is a benefit that can help you save money. It offers accounts where you contribute money from your salary before taxes and get reimbursed for eligible expenses. Two Flexible Spending Accounts are offered to eligible employees.

Health Care FSA
- allows employees to be reimbursed for health care expenses that are not covered by insurance, such as co-payments for doctor visits and prescription drugs.

Dependent Care FSA
- allows employees to be reimbursed for dependent care expenses, such as daycare, that are necessary to permit an employee and his/her spouse (if married) to work, look for work or attend school full-time.

Further information on Flexible Spending Accounts can be found at

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