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NAF Health Benefits

Air Force NAF health benefits are offered as part of the DoD NAF Health Benefits Program. Health benefits include medical, dental, vision, and prescription drug coverage.
 There are three Aetna medical plans available based on where you live. To determine which plan you are eligible for, go to


Medical Plans

Participating in the DoD Health Benefit Plan has a lot of perks — starting with finding everything you need in one convenient place. Provided below are product guides, where you can access your complete health plan information.  Get more information at on Aetna Health Plans.


Premiums 2020


Life Insurance Benefits

MetLife is the carrier for Air Force (NAF) Life Insurance Benefits. You may enroll for partially employer-paid Basic Term Life and Accidental Death & Dismemberment coverage, voluntary Supplemental Term Life insurance coverage, and Dependent coverage.

Basic Term Life and Accidental Death & Dismemberment Insurance
(for regular employees only)

Basic Term Life and Accidental Death & Dismemberment (AD&D) insurance pays a benefit based on your yearly earnings. Basic Life coverage includes a matching amount of Accidental Death and Dismemberment insurance for you.


Group Eligibility

Amount of Insurance

Class 1

All Regular eligible active employees whose basic yearly earnings are $48,000 or less

The amount equal to your basic yearly earnings, rounded to the next higher $1,000 if not already a multiple thereof, times one and one-half; or $50,000

Class 2

All Regular eligible active employees whose basic yearly earnings are more than $48,000

The amount equal to one times your basic yearly earnings, rounded to the next higher $1,000, if not already a multiple thereof, plus $2,000

Supplemental Life Insurance

In order to enroll in Supplemental Life insurance, you must be a current employee and enrolled in Basic Life/AD&D coverage.


Dependent Group Life Insurance

Dependent Group Life insurance lets you cover your Spouse/Domestic Partner and unmarried dependent children. You have two dependent Group Life insurance coverage options, as shown in the chart. *Children may continue to be covered until age 25.




Option 1 (Low)



Option 2 (High)



Visit the Air Force (NAF) Life Insurance website at for more plan provisions and certificate details.
Life Insurance Plan Information Material:
Air Force NAF Group Life Insurance Certificate (Active)
Air Force NAF Group Life Insurance Certificate (Retirees)  


Healthcare and Dependent Flexible Spending Accounts

An FSA is a tax-favored program that allows employees to pay for eligible out-of-pocket health care and dependent care expenses with pretax dollars. An FSA can help reduce your taxes and increase your take-home pay. The money you contribute to an FSA is exempt from federal taxes, as well as most state and payroll taxes. There are two types of FSAs:


The Health Care Flexible Spending Account (HCFSA)

Used to pay for qualified medical costs and health care expenses that are not paid by your health benefits plan or any other insurance. Eligible expenses include prescriptions, glasses, contact lenses and laser eye surgery, orthodontia and more.


Dependent Care Flexible Spending Account (DCFSA)

Used to pay for eligible dependent care expenses such as child care for children under age 13 or daycare for anyone who you claim as a dependent on your federal tax return who is physically or mentally incapable of self-care. Eligible expenses can also include before-and-after school care, summer day camp and more.


How Do I enroll?

Visit your Local NAF Human Resources Office for the enrollment instructions.

Please note: You do not need to be enrolled in an employer-sponsored health plan to enroll in FSA. Additionally, to continue your enrollment in FSA you must re-enroll every year.

To learn more visit


The Air Force (AF) NAF Retirement Plan

The NAF Retirement Plan only requires employees to contribute 1% of their bi-weekly pay while the plan administrator contributes the bulk of the cost. The monthly annuity is determined based on a lot of factors that include age, time and salary. This plan is voluntary, but we hope that all eligible employees will participate.
To be eligible to participate in the NAF Retirement Plan, you must be a civilian employee under regular appointment (excluding off-duty military) and be employed by an Air Force NAFI Instrumentality in the United States (U.S.), or if employed outside the U.S., be a U.S. dollar-paid citizen, permanent resident or noncitizen national of the U.S. You may enroll upon completion of 12 months of regular Air Force NAF service. If you enroll within 30 days of when you are first eligible, those 12 months are included in credited service.


Air Force 401(k) Savings Plan

Any regular Air Force NAF employee who is a U.S. citizen, a U.S. National or permanent resident alien of the U.S. and is on the U.S. Dollar payroll is eligible to participate in the 401(k) Savings Plan after you have met the eligibility period of 30 days of Air Force NAF regular service. You can make a pretax contribution of up to 92% of your compensation, subject to annual IRS limits. When you contribute to the plan, your federal, and state taxes will be lower. Overall financial health is an important factor in saving for retirement. There are articles and tools within your Wells Fargo Account Dashboard to help you create a plan and take steps toward a better retirement.

Employee Contribution

Employee Match










The Federal Long Term Care Insurance Program™

Long term care is personal care and other related services provided on an extended basis to people who need help with specific everyday activities or who need supervision due to a severe cognitive impairment, such as Alzheimer’s disease. Long term care costs can be expensive and generally are not covered by the Federal Employees Health Benefits Program, TRICARE, or disability income insurance. Long term care insurance can help reduce your reliance on loved ones, improve your financial security and ensure your independence should you need long term care.


Coverage designed for the Federal family

  • Helps pay for care in a variety of settings including at home, adult day cares, assisted living facilities and nursing centers
  • At-home benefits include a range of services to provide quality care in a familiar setting.
  • Informal care can be provided by friends and family not living in your home (up to 500 days).
  • Coverage is portable and renewable, meaning you keep coverage as long as you pay your premium.


Who is eligible?

  • Federal employees in positions that convey eligibility for the FEHB and annuitants
  • Retired members of the uniformed services who are entitled to retirees or retainer pay
  • Qualified relative


How do I apply?

  • If you are a new or newly eligible employee, we encourage you to apply within the first 60 days of your hire or eligibility date.
  • You will be able to apply with abbreviated underwriting, meaning you will answer fewer health questions on the application. If you are married, your spouse can apply during this time frame even if you choose not to.
  • If you’re in good health, you avoid the risk that you may be disqualified from illness if you applied at a later date.

If applying after your initial 60-day eligibility window, you will need to complete the full underwriting application.
Call 1-800-LTC-FEDS (1-800-582-3337) or visit for more information including:

  • Full and abbreviated online applications
  • Self-funding and cost of care tools
  • Frequently asked questions
  • Full eligibility listing



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