We are excited to provide you with this convenient tool to access your benefits information and to help you understand your benefit plans effective October 1, 2026. The Army strives to enhance its benefits for employees and is proud of the core Medical/Vision, Dental, and Life/AD&D benefits offered to full-time employees.
Open Enrollment is August 10 – September 4, 2026
During open enrollment, you can:
Newly enroll in coverage
Change plans
Add or drop dependents
Decline coverage
Open enrollment is the one time during the year you can make changes to your benefits without experiencing a qualified life event such as marriage, divorce, or birth of a child.
Know Where to Go for Care
Making smart choices when you need medical care can help you manage costs and get the right treatment. Consider the options below to guide you in deciding where to go based on your condition. For true medical emergencies, always call 911.
Virtual Care
24/7/365 via video or phone
$$$
- Allergies
- Earaches
- Minor health issues (headaches, nausea, cold and flu symptoms)
- Sinus pain
- Skin rashes
- UTIs and pinkeye
Primary Care Provider
Weekdays
$$$
- Changes to medications
- Minor health issues (migraines, cold and flu treatment, etc.)
- Ongoing care for chronic conditions
- Treatment for depression/anxiety
Urgent Care
Usually open every day, evenings, and holidays
$$$
- Animal bites
- Minor cuts that require stitches
- Sinus pain
- Sprains and strains
- X-rays
Emergency Room
24/7/365
$$$
- Chest pain
- Life-threatening allergic reactions
- Loss of consciousness
- Major injury
- Severe asthma
- Significant blood loss
Frequently Asked Questions
Dependent Eligibility - Which Of My Family Members Can I Add To My Benefits?
If you are an eligible employee, you may enroll the following dependents:
- Your lawful spouse or registered domestic partner
- Your children up to age 26 (regardless of student or marital status), including a stepchild, legally adopted child, or a child whom you are the legal guardian. Coverage for dependent children terminates the end of the month in which they turn 26.
- Your unmarried child over age 26 if medically incapacitated
Who Is Allowed To Enroll In Benefits?
You are eligible to participate if you are a full-time employee (non-officer) working at least 30 hours per week.
If you are a new employee, you must elect benefits within 30 days of your date of hire. The elections you make for yourself and eligible dependents are effective the first of the month following 30 days of employment.
Can I Change My Benefits During the Year?
If you experience a qualifying event, you can make mid-year changes to your benefit elections.
Qualifying life events include, but are not limited to:
- Birth or adoption of child
- Marriage, divorce, or legal separation
- Change in eligibility or employment status
- Death of your spouse or covered child
- Loss of other health coverage
You must notify Human Resources within {30} days of the qualifying event to make changes to your coverage. You will need to provide documentation of the event, such as a marriage license, divorce decree, or birth certificate. Benefit changes must be consistent with the qualifying event.
How Can I Save Money with Tax-Free Accounts (FSAs)?
4Keep more of your paycheck by using pre-tax FSA and HSA dollars to pay for eligible expenses.
For 2026, the contribution limits are:
- Health care FSA: $3,400
- Dependent care FSA: $7,500
Contribution limits are set annually and may or may not change. Please go to your account https://www.benefitspot.com/Account/Login?ReturnUrl=%2F to see your balance and limits.