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Health Insurance Services

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FAES offers a comprehensive insurance plan to NIH Fellows.

The FAES Insurance Office is open Monday to Thursday, 10 a.m. to 4 p.m. by appointment. Please contact FAES by phone at 301-496-8063 or email to schedule an appointment. Insurance representatives continue to be available by phone and email Monday to Friday, 9 a.m. to 4 p.m. We continue to process new enrollments, renewals, and terminations via email and offer Virtual Video Health Insurance Consultations. Please email us to schedule a virtual meeting.

Trustmark Health Benefits is now Luminare Health

Trustmark Health Benefits is the third-party administrator for the FAES Insurance plan. They process claims, answer questions, and manage other aspects of your health benefits. Trustmark Health Benefits has recently changed their name to Luminare Health. Between now and Summer 2024, you’ll start to see their new name in place of Trustmark. This change does not affect your benefits. Plan participants can continue to use the current Trustmark member ID card for the 2023-2024 Plan Year.

The claims submission email has also been updated to The previous email address will forward to the updated email address. In the meantime, please continue to use the attached Trustmark claim form. We will provide the updated forms as they become available.

Please see the attached informational flyer with more information about the name change.

Insurance Plan Year Reminder

The 2023-2024 FAES Insurance Plan Year started on November 1, 2023. All deductibles and out-of-pocket maximums have reset as of November 1 for all plan participants. Please review this year’s insurance plan benefit guide and informational video.

Winter Season Reminders

Urgent Care vs. Emergency Care

Holiday closures and travel can affect your options to receive medical care. Your best choice for non-urgent situations is always a scheduled appointment with your doctor, however, when that is not possible, you have choices.

Urgent Care: In situations you require immediate care, yet it might not be serious enough to require the services of a hospital emergency room, an urgent care center may be an appropriate choice. Remember, care received in an urgent care facility is costly yet much less expensive than an emergency room. Below are some guidelines to determine when an urgent care center is appropriate.

  • Your symptoms or injury have occurred outside of your physician’s regular office hours and are too severe to wait until the next regular office hours, yet not severe enough to warrant a visit to the emergency room.
  • You do not have a regular doctor or primary care physician.
  • You are out of town.

Urgent care centers typically have extended and weekend hours and usually have shorter wait times than the emergency room. Urgent care centers copays are $25 versus a $125 copay for emergency room visits.

Emergency Room Care: A visit to the hospital emergency room is the most expensive type of outpatient care. Emergency room visits for non-emergency care is more expensive and should only be used for true emergencies. Some situations where emergency room care is appropriate include:

  • A major life-threatening injury.
  • A wound that continues to bleed vigorously despite the application of pressure.
  • Decreased mental activity, awareness, or disorientation.
  • Shortness of breath or difficulty breathing.
  • A cold sweat accompanied by chest pain, abdominal pain or lightheadedness.
  • Severe pain.

When faced with deciding where to go to receive medical care, be sure to evaluate all your options and choose the setting that best suits your illness or injury. Of course, in a true emergency, seek the appropriate care without delay.


Flu season is here. Don’t forget to get a Flu shot to protect you, your family, and your community. COVID-19 vaccines are also available. Visit to find a flu shot or COVID-19 vaccine near you.

FAES makes it simple for Fellows to acquire the health insurance coverage they need for working or training at NIH. We have partnered with Luminare Health® (formerly Trustmark), and MetLife to provide insurance plans that include medical/prescription, dental and vision for you or your family.

FAES is committed to meeting the insurance needs of Fellows and their families. Our friendly and knowledgeable support staff are here to assist you with understanding your plan benefits and responsibilities as well as the many health-related services available to you during your tenure here at NIH.

Hours: 9:00 am-4:00 pm, Monday-Friday
Phone: 301.496.8063
Fax: 301.480.3585

“Less than one hour for an email reply! Incredibly knowledgeable and excellent in explaining detailed information regarding insurance policies.”
– FAES Feedback Survey Respondent

Upcoming Events

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August 8, 2024

Fall Virtual Information Session

Please join the FAES Academic Programs team on August 8, 2024 from 12pm to 12:30pm EST for a Virtual Information Session to learn more about our 

In the News

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October 21, 2022

FAES Dedicates New Scholar House

The Foundation for the Advanced Education in the Sciences (FAES) dedicated the first of six new scholar houses that opened in August 2022 as part of the new community for biomedical innovation at t