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 Trustmark to provide a premium healthcare plan that includes both general health and vision care at no-cost to fellows and their families.

Health Care Plan

• 2022-2023 Benefit Guide (effective November 1, 2022 - October 31, 2023)
• 2022-2023 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 Trustmark 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 Trustmark. 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.

Talkspace

FAES plan participants now have access to Talkspace online therapy and psychiatry, as well as Lasting (relationship support) from Talkspace at no-cost. Talkspace is confidential and secure.

This is the registration guide to begin using Talkspace. Please scroll down on FAES FAQs for information on how to register. For therapy and psychiatry, plan participants must initially register on the Talkspace website. After registration, they may use a web browser or the Talkspace app to access services.