Foreign Service Benefit Plan

The Foreign Service Benefit Plan (FSBP) is a fee-for-service Federal Employees Health Benefits (FEHB) plan underwritten by the American Foreign Service Protective Association (AFSPA).

FSBP is open to the Foreign Service and all Federal Executive Branch employees who advance the nation’s foreign and intelligence affairs who serve at home or abroad. In fact, 60% of our members enjoy our excellent health benefits in the U.S.  Find out if you are eligible to enroll.

Coverage at a glance:

You have access to the Aetna Choice POS II network of doctors in the 50 United States for in-network coverage.

For members living in Guam, you have access to the NetCare Guam network for in-network coverage.

When you use an in-network provider, you receive covered services at a reduced cost.

You still have coverage if you choose to go out-of-network. You will be responsible for the difference between the billed amount and what FSBP covers. You will likely end up paying more when you see an out-of-network provider.

You may choose to visit any doctor outside the U.S. and Guam (including Military Treatment Facilities) and we will cover them at the in-network benefit.

To further simplify your overseas care, we have over 200 Direct Billing Arrangements (DBA) with health care providers across the world. By using these DBA providers when available, you can avoid prepaying the bill. Learn more.

Why choose FSBP?

AFSPA is the self-funded carrier of FSBP and also performs the customer service function for the Plan. Claims and clinical functions of FSBP are administered by Aetna. Prescription coverage for the Plan is administered by our Pharmacy Benefit Manager, Express Scripts.

FSBP has been accredited by the Accreditation Association for Ambulatory Health Care (AAAHC) since 2017 and has achieved a full three-year term comprehensive health plan reaccreditation in 2020. Achieving this accreditation shows our commitment to providing the highest levels of quality care to our members by sustaining the same high level of quality in our business practices.

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FSBP 2021 Premiums

EnrollmentENROLLMENT codeBi-WeeklyMonthly
Self Only 401 $71.75 $155.47
Self Plus One 403 $178.73 $387.25
Self & Family 402 $170.67 $384.59

Note: Two-person families are not required to enroll in Self Plus One. They can opt to enroll in Self and Family (402).

There are two periods when Federal employees and retirees can enroll for the first time or switch their enrollment type.

All actively working or retired federal employees can enroll in, change or cancel their health plan during Open Season, which is typically the second Monday of November through the second Monday of December each year. Learn more

New Employees

If you’re a new Federal employee eligible for Federal Employee Health Benefits (FEHB) coverage, you have 60 days from your start date to enroll in a health plan.

Qualifying Life Event

You may make changes to your health plan outside of Open Season if you have a qualifying life event. These include getting married, having a baby, getting divorced or you move outside of the plan’s coverage area. Learn more

Questions about enrollment? Send us a message here or call 202-833-4910.

Benefit Information

FSBP is HIPAA compliant. The confidential medical information (i.e., Protected Health Information (PHI)) that you provide to us is kept strictly confidential and secure in our records. Click here for our Notice of Privacy Practices.

There are two ways to enroll in the Foreign Service Benefit Plan.

You must remember your enrollment code and the full name of the health plan.

Download and fill out a Health Benefits Election Form (SF 2809) and submit to your Human Resources office. 

Annuitants of the Foreign Service who are interested in enrolling must contact the Foreign Service Retirement System through the Retirement Division of the Department of State.

Keep in mind: If you’re already a member of the Foreign Service Benefit Plan and you are happy with your coverage, you don’t have to do anything. Your coverage will automatically carry over each year.

Finding care

What we offer

Health Insurance

Life Insurance

Disability Insurance

Critical Illness Insurance

Members of Household Insurance

Travel Insurance

Professional Services

Discount Care Programs

I am satisfied with the service FSBP provides and their claim handling procedures. I have dealt with other carriers before, and thus far, FSBP is the best that I have worked with. In my opinion, FSBP is the best for overseas members.

Tom K.

Member in Korea

I was already a big fan of FSBP but my HBO's perseverance in getting my case handled has made me an even more loyal member! It is the best customer service I have ever had! I am deeply and sincerely grateful.

Satisfied Member

Member in Turkey

As a subscriber to AFSPA/FSBP for about the last fifty-four years, I can say that I have always been totally satisfied with the benefits and services I have received over all those years at home and abroad.

Robert M.

Member in New Hampshire

FSBP Coverage & Benefits

YOU PAY
Medical ServicesIn-NetworkOut-of-networkOutside the 50 U.S.
Preventive care, routine immunizations, and tests (includes dietary & nutritional counseling) Nothing 30% of our allowance and any difference between our allowance and the billed amount* Nothing
Diagnostic and treatment services provided in the hospital, office and telemedicine (virtual visits) 10% of our allowance* 30% of our allowance and any difference between our allowance and the billed amount* 10% of our allowance*
Walk in Clinic Nothing at CVS Minute Clinic

$10 copay at other convenient clinics
30% of our allowance and any difference between our allowance and the billed amount* $10 copay
Lab, X-ray, and other diagnostic tests Nothing at LabCorp & Quest Diagnostics

10% of our allowance at other network facilities*
30% of our allowance and any difference between our allowance and the billed amount* 10% of our allowance*
Telehealth Nothing when using Teladoc (U.S. Only) No benefit Nothing when using vHealth (Worldwide)
Complete maternity (obstetrical) care Nothing 30% of our allowance and any difference between our allowance and the billed amount Nothing
YOU PAY
Hospital ServicesIn-NetworkOut-of-networkOutside the 50 U.S.
Inpatient Nothing $200 per hospital stay and 20% of charges Nothing
Outpatient - Surgical 10% of our allowance* 30% of our allowance and any difference between our allowance and the billed amount* 10% of our allowance*
Outpatient - Medical 10% of our allowance* 30% of our allowance and any difference between our allowance and the billed amount* 10% of our allowance*
YOU PAY
Emergency BenefitsIn-NetworkOut-of-networkOutside the 50 U.S.
Accidental injury: Initial treatment in an emergency room, urgent care center or doctor’s office, including physician’s charges/ancillary services Nothing Only the difference between our allowance and the billed amount Nothing
Medical emergency 10% of our allowance* 10% of our allowance and any difference between our allowance and the billed amount* 10% of our allowance*
Urgent care center $35 copay per occurrence $35 copay per occurrence and any difference between our allowance and the billed amount $35 copay per occurrence
YOU PAY
Mental Health and substance abuseIn-NetworkOut-of-networkOutside the 50 U.S.
Diagnostic, professional, and treatment services 10% of our plan allowance* 30% of our plan allowance and any difference between our allowance and the billed amount 10% of our plan allowance*
Telehealth (behavioral health services) Nothing when seen from a Teladoc® provider (U.S. only) All costs (no benefit) Nothing when seen from a vHealth (Worldwide) provider
Inpatient hospital Nothing 20% of charges after a $200 copay Nothing
YOU PAY
Prescription drugsRetail network pharmacies in the U.S. (up to 30-day supply)Home Delivery (mail order through express scripts pharmacy or smart 90 retail (up to 90-day supply)
Tier 1 - Generic $10 copay $15 copay
Tier II - Preferred 25% ($30 min, $100 max) $60 copay
Tier III - Non Preferred Brand 35% ($60 min, $200 max) 35% ($80 min, $500 max)
Tier IV - Generic Specialty 25% ($150 max) 25% ($150 max)
Tier V - Preferred Specialty 25% ($200 max) 25% ($200 max)
Tier VI - Non-Preferred Specialty 35% ($300 max) 35% ($300 max)
Members in the U.S. can visit any licensed facility to receive reimbursement for alternative services.
YOU PAY
Chiropractic & Alternative ServicesIn-NetworkOut-of-networkOutside the 50 U.S.
Massage therapy, chiropractic, and acupuncture - limited to 50 visits for each service , per person, per calendar year The difference between the billed amount and plan maximum benefit of $60 per visit , per service, per calendar year The difference between the billed amount and plan maximum benefit of $60 per visit , per service, per calendar year The difference between the billed amount and plan maximum benefit of $60 per visit , per service, per calendar year
YOU PAY
Dental CareIn-NetworkOut-of-networkOutside the 50 U.S.
Routine preventive care and surgical procedures The difference between our scheduled allowances and the actual billed amounts The difference between our scheduled allowances and the actual billed amounts The difference between our scheduled allowances and the actual billed amounts
Orthodontics 50% of our allowance up to our maximum payment of $1,000 per course of treatment and 100% after our maximum payment of $1,000 50% of our allowance up to our maximum payment of $1,000 per course of treatment and 100% after our maximum payment of $1,000 50% of our allowance up to our maximum payment of $1,000 per course of treatment and 100% after our maximum payment of $1,000
Annual Calendar Year Deductible
Enrollment TypeIn-Network (including Guam)Out-of-network (Including Guam)Outside the 50 U.S.
Self Only (401) $300 $400 $300
Self Plus One (403) $600 $800 $600
Self & Family (402) $600 $800 $600
Catastrophic Protection Out-of-pocket maximum
Enrollment TypeIn-Network (including Guam)Out-of-network (Including Guam)Outside the 50 U.S.
Self Only (401) $5,000 $7,000 $5,000
Self Plus One (403) $7,000 $9,000 $7,000
Self & Family (402) $7,000 $9,000 $7,000

*Subject to the calendar year deductible.  In-network deductibles: $300 for Self Only, $600 for Self Plus One or Self and Family |  Out of network deductibles: $400 for Self Only, $800 for Self Plus One or Self and Family 

This is a summary of the features of the Foreign Service Benefit Plan. Before making a final decision, please read the Plan’s Federal brochure. All benefits are subject to the definitions, limitations, and exclusions in the Foreign Service Benefit Plan Brochure (RI 72-001).