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ASPE Health Benefits - US Department of State

ASPE Health Benefits - US Department of State 2025

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The document outlines the Accident and Sickness Program for Exchanges (ASPE) Health Benefit Plan administered by Seven Corners, Inc. for participants of US Department of State-funded programs. It details the coverage provided, including co-pays, eligibility criteria, exclusions (notably pre-existing conditions), and procedures for accessing medical services both inside and outside the United States. The guide emphasizes that ASPE is not an insurance policy but a self-funded health care benefit plan with specific limitations on covered expenses.

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What is the name of the US governments health care program for retirees?

Medicare is our countrys health insurance program for people age 65 or older. You may also qualify if you have permanent kidney failure or receive Disability benefits.

What are the benefits of health insurance in the US?

Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible. You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.

Which states have state sponsored health insurance?

California. Covered California is your states Marketplace. Colorado. Connect for Health Colorado is your states Marketplace. Connecticut. Access Health CT is your states Marketplace. District of Columbia. DC Health Link is your states Marketplace. Idaho. Massachusetts. Nevada. New Mexico.

Does my health insurance work in other states?

Care received outside your home state is typically out-of-network and does not form part of your standard health insurance coverage. However, whether you have any non-emergency out-of-state cover will depend on the rules of your type of insurance and plan.

Do health insurance laws vary by state?

All 50 states and Washington, D.C., maintain multiple health insurance mandates in statute. However, the scope of mandates varies greatly across states and might specify, for example, when an insurer must provide coverage, how often an insurer must cover a service or cost-sharing requirements for enrollees.

What is the name of the federal employee health benefits plan?

Federal Employee Health Benefits (FEHB) Program During an emergency, do not worry about your FEHB health benefits. Your benefits will continue regardless of the severity of the crisis.

Do states regulate all employer sponsored health benefit plans?

The U.S. Department of Labor (DOL) almost exclusively regulates private self-insured employer-sponsored plans. The Center for Medicare and Medicaid Services (CMS) directly enforces federal protections against state and local government self-insured employer plans (although states can do so too).

What are state regulated health plans?

An employer can purchase coverage from an insurer to cover their employees for a set premium. In this fully-insured arrangement, the insurer bears the financial risk if that group of employees ends up costing more than expected; these plans are regulated by the state in which they are sold.

ASPE Health Benefits - US Department of State 2025

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