This website is provided for individuals interested in joining the health insurance plans made possible by the volunteer administrators of Overseas Building Operations (OBO), Bureau of International Narcotics and Law Enforcement Affairs (INL), United States Agency for International Development (USAID), and Bowman Gaskins Financial Group.

Who qualifies for this group insurance benefit? 

Full Time Personal Service Contractors (PSC’s) of OBO, INL, and USAID, as well as employees of the United States Department of State (DOS) are eligible to join the plan. In the case of the International Plan, Full Time Third Country Nationals (TCNs) are also eligible.

Employees eligible to join include those meeting any of the following criteria: 

  1. Newly hired employees are eligible to join on the 1st day of the month following 30 days of employment.  This is the Initial Waiting Period and it must be met in order for any other option to be available.
  2. PSC’s who have met the Initial Waiting Period criteria may join during Open Season.  For the two plans, Open Seasons occur each year as follows:
    • Domestic Plan: January 1 through January 31
    • International Plan: September 1 through September 30

    During this period, eligible personnel may join the plan or make adjustments to coverage (i.e. change from one style of plan to another),

  3. PSC’s who have met the Initial Waiting Period criteria may be eligible to join or change enrollment at any time when meeting one or more of the following qualifying events: (1) change in marital status; (2) change in family status; (3) change in job or benefits status for employee or spouse; (4) transfer of job site from U.S. to overseas, or vice versa. Any of these changes will allow an employee to enroll as of the date of the event. All paperwork must be filed within 30 days of the event.

Am I a Domestic Employee or an International Employee?

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