Open Season started Monday, November 11th and it is already in full swing! You have until December 9^th to make changes to your health insurance, dental and vision insurance, and FSAFEDS program. If you’re content with your health, dental/vision insurance, there is no action needed on your end. For the FSAFEDS program, you do have to re-enroll every year. Keep reading to learn about the new changes and added benefits to the Foreign Service Benefit Plan.

Note: Two-person families are not required to enroll in Self Plus One. They can opt to enroll in Self and Family (402). We invite you to review our premiums relative to other high option plans in the FEHB Program.

Benefits and Changes

• Across FEHB health plans, on average premiums increased by 13%. If you’re wondering how much your premium increased from last year, we have broken it down for you. The premium rate will increase by $10.74 for Self Only, or increase by $40.22 for Self Plus One, or increase by $26.57 for Self and Family.
• We have expanded coverage for infertility services. The Plan will cover artificial insemination procedures under the Basic Infertility level of coverage. Prior authorization is not required, and services can be provided by either an in-network or out-of-network provider. Members residing in the U.S. will pay 10% of Plan allowance for in-network (includes Guam) and 30% of the Plan allowance for out-of-network (includes Guam) and any difference between the plan’s allowance and the billed amount.
• The Plan will also cover ovulation induction services under the Advanced Reproductive Technology (ART) benefit. Prior authorization is for ART services. These services must be rendered by an Institute of Excellence (IOE) provider.
• Doula services will now cover prenatal services, childbirth, and up to three months of post-partum care after delivery.
• The Plan will remove the maximum payable amount of $400,000 per transplant from its in-network benefit.
• Telehealth consultations are available to members outside the 50 United States through our telehealth vendor, Lyra Health. Members pay nothing for in-network.
• The Plan has added Preventative Care Coaching Program through vHealth (Worldwide) for Overseas Members.
• The Plan will no longer automatically enroll eligible members into the FSBP-Express Scripts Medicare Prescription Drug Plan (PDP) EGWP. To opt in or disenroll, please call 202-833-4910 or complete and submit the secure form available at org/pdp.

To learn about other benefit changes and updates, please refer to our Open Season page or the 2025 FSBP Brochure.

FSBP Open Season

If you have questions or want to learn more about the Foreign Service Benefit Plan, AFSPA has webinars, podcast episodes, and live shows for you.

On Thursday, November 21^st at 11 AM ET, Kyle Longton will be answering questions live about Open Season. You can send your questions during the live show here or you can submit your questions using this form.

AFSPA is also offering Open Season webinar presentations about FSBP with Live Q&A opportunities as well. You can register at afspa.org/events or with the links below.

November

• Mon, Nov 18 @ 5am ET
• Mon, Nov 18 @ 3pm ET
• Tues, Nov 19 @ 12pm ET
• Wed, Nov 20 @ 1pm ET
• Wed, Nov 20 @ 10pm ET
• Fri, Nov 22 @ 5am ET

December

• Mon, Dec 2 @ 5am ET
• Mon, Dec 2 @ 12pm ET
• Tues, Dec 3 @ 10pm ET
• Fri, Dec 6 @ 12pm ET
• Fri, Dec 6 @ 3pm ET