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| NIH Health Insurance Policy |
| Trainees must have adequate health insurance coverage to receive training in NIH facilities. This requirement may be satisfied by a policy held either in the Trainees' name or in another's name with the Trainee identified as a family member. The latter could be a non-FAES policy. Certification of health benefit enrollment is required. |
| Two approved plans of health insurance are available through the Foundation for Advanced Education in the Sciences (FAES). FAES coverage requires that Trainees be on a training schedule of at latest 32 hours per week with a minimal duration of 90 days. |
| Funds for individual or family FAES' fee for service Preferred Provider Option (P.P.O.) health insurance are provided by the sponsoring IC. For a non-FAES policy, NIH will pay or reimburse for a policy issued in the Trainee's name in an amount not to exceed that of the FAES's fee-for-service P.P.O., individual or family as appropriate. In addition, NIH will reimburse for the additional health insurance cost, if occurred, under a spouse's plan up to the cost of the FAES's fee-for-service P.P.O. Sufficient documentation verifying health insurance coverage and documenting health insurance costs are required for a non-FAES policy. |
| When an outside sponsor provides insufficient funding for the purchase of health insurance coverage, the IC may provide supplemental funding to permit the purchase of a policy equivalent to the FAES' fee-for service P.P.O., individual or family as appropriate. |
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