Table of Contents

Healthcare

Fellows' Career Development

Healthcare

Fellows' Career Development

Girl smiling and doctor giving shot

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: Trustmark Health Benefits has recently changed their name to Luminare Health. Between now and Summer 2024, you’ll start to see their new name in place of Trustmark. This change does not affect your benefits. Plan participants can continue to use the current Trustmark member ID card for the 2023–2024 Plan Year.

Health Care Plan

Dental & Vision Plan

FAES Insurance Services Frequently Asked Questions

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.