Medical & Vision

Insurance is provided to fellows and their families by the Foundation for Advancing Education in the Sciences (FAES). FAES makes it simple for fellows to acquire the health insurance coverage they need before working or training at NIH. They have partnered with Luminare Health to provide a premium healthcare plan that includes both general health and vision care at no-cost to fellows and their families.

Please note: The new plan year for FAES Insurance began November 1, 2024. Beginning December 1, 2024, RxBenefits will manage all pharmacy customer service needs. This transition necessitated an update to ID cards specifically the RxBIN, RxGRP (group identifier) and pharmacy customer service phone number. All plan participants were mailed new ID cards the week of November 18. The new cards have the Luminare logo.

Plan participants should continue to use the current Trustmark ID cards to access their insurance benefits through November 30, 2024. Starting December 1, 2024, plan participants should use the new Luminare ID cards with the updated pharmacy information. If you need to fill a prescription on or after December 1, 2024 and you have not received your new Luminare ID card, please reach out to FAES Insurance or login to the Luminare portal to obtain a PDF card.

Health Care Plan

• 2024-2025 Benefit Guide (effective November 1, 2024 - October 31, 2025)
  • 2024-2025 Insurance Plan Video

Dental & Vision Plan

• MetLife Dental and Vision Insurance

FAES Insurance Services Frequently Asked Questions

• FAQs

What Do I Do If My Claim is Denied?

Copied from FAES FAQs: For information on a denied claim, you can contact Luminare Health Customer Service, 888-270-2044. The FAES Insurance team is available to assist you with navigating the claims and appeals process. Information on appeals can be found in the paperwork with your explanation of benefits (EOB) from Luminare Health. Complete, detach, copy and send in the form provided on your EOB within one hundred eighty (180) calendar days from receipt of notification of the denial. Include the reasons you feel the claim should not have been denied along with any additional information and comments relevant to the claim. You are entitled to receive, upon request and free of charge, copies of all documents relevant to the denial. You will be notified of the decision within a reasonable period of time no later than 60 days after the plan receives your request for review.