Federal Health Insurance Benefits NALC Health Benefit Plan
Unfortunately, the NALC Health Benefit Plan (High Option and CDHP), will not participate in the Federal Employees Health Benefits (FEHB) Program for the 2026 contract year and will not be offered to FEHB enrollees in 2026. Please see below for 2025 FEHB benefit information.
Patient Safety as a member of the NALC Health Benefit Plan
The institute of Medicine estimates that around 98,000 Americans die every year from medical mistakes in hospitals. Providing information you can use to protect yourself and your family is a top priority of the Plan.
- Proven reliability with over 70 years of specialized federal employee healthcare expertise.
- Request the results of any test or procedure you receive, and always keep a list of all the medicines you take.
- Make sure you understand the process and what will happen if you need surgery.
- For more information on patient safety, High Option members can contact our 24-hour nurse line at 855-244-6252 for medical concerns, or 800-865-9379 for mental health and substance use concerns. CDHP members can contact our 24-hour nurse line at 800-594-6252 for medical, mental health or substance use concerns.
Frequently asked Questions
Please contact our Customer Service Department at 877-814-6252.
This decision was not made lightly; we simply were no longer able to meet our mission for federal employees.
You will need to enroll in another plan during Open Season. If you are a Federal employee, tribal employee, former spouse under Spouse Equity, Temporary Continuation of Coverage (TCC) enrollee or an enrollee receiving Office of Workers’ Compensation Programs (OWCP), you should change to another plan by December 8, 2025. If you do not change your enrollment by December 8, 2025, you will be automatically enrolled into the lowest-cost nationwide plan option as determined by OPM.
If you are a Federal employee, use your agency’s online self-service system such as Employee Express, MyPay, Employee Personal Page, EBIS, etc. If you need additional help, contact your HR office. If you are a Tribal employee, contact your Tribal Employer. If you are a Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS) retiree, call Open Season Express at 800.332.9798 or access OPM’s Open Season website.
As a Federal employee, annuitant, or Tribal employee, if you do not change your enrollment, you will be automatically enrolled into the lowest-cost nationwide plan option as determined by OPM.
Any unused PCA credits will be forfeited once the new plan you’ve elected becomes effective.
Your current plan or option will continue to provide benefits until the effective date of the new plan or option you’ve elected during Open. There will be no gap in coverage. The effective date of coverage for the health plan you elect will generally be the first day of the first full pay period beginning on or after January 1, 2026.
Under the Patients’ Bill of Rights, enrollees who are in any trimester of a pregnancy or who are seeing a specialist for a chronic or disabling condition have a right to continued treatment through the end of post-partum care or treatment for up to 90 days of care, as applicable, following notice that a health plan is leaving the FEHB Program.