The Foreign Service Benefit Plan ( FSBP ) is a fee-for-service Federal Employees Health Benefits (FEHB) plan underwritten by the American Foreign Service Protective Association (AFSPA). FSBP is open to the Foreign Service and all Federal Executive Branch employees who advance the nation’s foreign and intelligence affairs who serve at home or abroad. In fact, 60% of our members enjoy our excellent health benefits in the U.S. Find out if you are eligible to enroll.
You have access to the Aetna Choice POS II network of doctors in the 50 United States for in-network coverage.
For members living in Guam, you have access to the NetCare Guam network for in-network coverage.
When you use an in-network provider, you receive covered services at a reduced cost.
You still have coverage if you choose to go out-of-network. You will be responsible for the difference between the billed amount and what FSBP covers. You will likely end up paying more when you see an out-of-network provider.
You may choose to visit any doctor outside the U.S. and Guam (including Military Treatment Facilities) and we will cover them at the in-network benefit.
To further simplify your overseas care, we have over 200 Direct Billing Arrangements (DBA) with health care providers across the world. By using these DBA providers when available, you can avoid prepaying the bill. Learn more.
AFSPA is the self-funded carrier of FSBP and also performs the customer service function for the Plan. Claims and clinical functions of FSBP are administered by Aetna. Prescription coverage for the Plan is administered by our Pharmacy Benefit Manager, Express Scripts. FSBP has been accredited by the Accreditation Association for Ambulatory Health Care (AAAHC) since 2017 and has achieved a full three-year term comprehensive health plan reaccreditation in 2020. Achieving this accreditation shows our commitment to providing the highest levels of quality care to our members by sustaining the same high level of quality in our business practices.
