Welcome to the Foreign Service Benefit Plan

Your premier health insurance plan

Congratulations!

By choosing the Foreign Service Benefit Plan (FSBP) you have selected outstanding health and wellness care for you and your family. 

Follow the steps below so you can begin taking advantage of your  FSBP health coverage.

FSBP's Administrator, Aetna, will mail you your member ID card shortly.

AFSPA Member Portal

Aetna Secure Member Website

Express Scripts Online

Electronic Funds Transfer (EFT) Form


Authorization for Release of Protected Health Information (PHI ) Form

Express Scripts (ESI) Home Delivery Mail Order Form

*Securing your PHI is our responsibility and we take it very seriously.  This includes with whom we discuss your claims.  HIPAA regulations require we have a signed release form on file before we can discuss your PHI with anyone else – even a spouse

Finding Care in the U.S.

FSBP offers both in-network and out-of-network benefits in the United States, with over one million in-network providers to choose from. Using in-network providers in the 50 United States (and Guam) saves you money and simplifies the claim filing process.

FSBP works closely with Express Scripts (ESI) to provide with quality and affordable pharmacy benefits. Members have convenient access to a network of retail pharmacies for up to a 30-day supply of medications. Members have access to ESI’s participating Smart90® retail network pharmacies or home delivery for up to a 90-day supply of non-specialty maintenance medications.

If your provider is in-network, generally, your provider will bill us with the appropriate information. If we need more information, we will contact your provider or you directly. 

If your provider is out-of-network or overseas and is not one of our Direct Billing Partner, you should obtain a fully itemized bill prepared by the provider. We encourage you to submit your claim electronically via the AFSPA Member Portal for the quickest processing. 

Finding Care Overseas

All overseas providers are treated as in-network.  FSBP has direct billing relationships with over 200 health care providers across the world. These arrangements exist to simplify your care. By using these providers when available, you avoid prepaying the bill.

Take a moment to review the Health Plan documents and brochures to learn more about your premier health plan coverage. Here are some helpful FAQs

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

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

FSBP Coverage & Benefits

YOU PAY
medical servicesIn-NetworkOut-of-networkOutside the 50 U.S.
Preventive care, routine immunizations, and tests Nothing 30% of our allowance and any difference between our allowance and the billed amount* Nothing
Physician office and telemedicine visits with your doctor 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 - Nothing after a $10 copay at other walk-in clinics 30% of our allowance and any difference between our allowance and the billed amount* 10% of our allowance*
Labs Nothing at Lapcorp & Quest Diagnostics (U.S. Only) 10% of our plan allowance anywhere else* 30% of our allowance and any difference between our allowance and the billed amount* 10% of our allowance*
Telehealth Nothing from a Teladoc® provider (U.S. only) No Benefit Nothing from a vHealth (Worldwide) provider
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-networkProviders outside 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
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).