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FEHB Elevate 2026

The affordable plan for people focused on essential coverage and extra wellness rewards

FEHB Elevate plan highlights

Low copays on the services you use most — primary care and specialist visits, and generic prescription drugs
Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
No copays for virtual mental health visits and $10 copays for in-office mental health visits
Unlimited access to care when you need it with $0 copay telehealth from MDLIVE
Included vision discount at no additional cost⁶

Shopping for a Postal plan? View the 2026 PSHB overview page

Looking for 2026 plan documents?

2026 FEHB Elevate rates
Pay frequency	Self Only	Self Plus One	Self and Family
Biweekly — employed	$77.92	$187.99	$228.85
Monthly — retired	$168.83	$407.31	$495.85

2026 FEHB Elevate rates
Pay frequency	Self Only	Self Plus One	Self and Family
	Pay frequency Biweekly — employed	Self Only $77.92	Self Plus One $187.99	Self and Family $228.85	Pay frequency Monthly — retired	Self Only $168.83	Self Plus One $407.31	Self and Family $495.85

These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer which maintains your health benefits enrollment.

Costs (what you pay in-network)
Medical benefit	What you pay
Preventive care Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more	$0
Primary care office visits	$10
Mental health office visits	$10
Specialist office visit	$30
MinuteClinic / Urgent care facility visit	$10 / $50
Unlimited telehealth visits, including mental health, with MDLIVE	$0
Emergency room visit	35%¹
Hospital care; outpatient / inpatient (including maternity)	25%¹ / 25%¹
Lab services	25%¹
X-rays and other diagnostic services	25%¹
Chiropractic care (up to 12 visits per year)	$10
Acupuncture (up to 20 visits per year)	$10

Costs (what you pay in-network)
Medical benefit	What you pay
	Medical benefit Preventive care Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more	What you pay $0	Medical benefit Primary care office visits	What you pay $10	Medical benefit Mental health office visits	What you pay $10	Medical benefit Specialist office visit	What you pay $30	Medical benefit MinuteClinic / Urgent care facility visit	What you pay $10 / $50	Medical benefit Unlimited telehealth visits, including mental health, with MDLIVE	What you pay $0	Medical benefit Emergency room visit	What you pay 35%¹	Medical benefit Hospital care; outpatient / inpatient (including maternity)	What you pay 25%¹ / 25%¹	Medical benefit Lab services	What you pay 25%¹	Medical benefit X-rays and other diagnostic services	What you pay 25%¹	Medical benefit Chiropractic care (up to 12 visits per year)	What you pay $10	Medical benefit Acupuncture (up to 20 visits per year)	What you pay $10

Prescription benefits

The table below summarizes your benefits (what you pay in-network) for prescription drugs with the Elevate plan. To find drug costs, use this handy check drug costs tool.

This plan has a limited pharmacy network with no out-of-network or mail service coverage. To find a pharmacy near you, go to caremark.com.

For details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.

Prescription benefits
Prescription benefit^2,3,4	In-network
30-day retail generic	$10
30-day retail preferred brand-name	50% ($500 max)
30-day retail non-preferred brand-name	100%
30-day specialty CVS exclusive generic	50% ($500 max)
30-day specialty CVS exclusive preferred brand-name	50% ($500 max)
30-day specialty CVS exclusive non-preferred brand-name	100%

Prescription benefits
Prescription benefit^2,3,4	In-network
	Prescription benefit^2,3,4 30-day retail generic	In-network $10	Prescription benefit^2,3,4 30-day retail preferred brand-name	In-network 50% ($500 max)	Prescription benefit^2,3,4 30-day retail non-preferred brand-name	In-network 100%	Prescription benefit^2,3,4 30-day specialty CVS exclusive generic	In-network 50% ($500 max)	Prescription benefit^2,3,4 30-day specialty CVS exclusive preferred brand-name	In-network 50% ($500 max)	Prescription benefit^2,3,4 30-day specialty CVS exclusive non-preferred brand-name	In-network 100%

Deductible and out-of-pocket maximum
Network benefits	Self Only	Self Plus One	Self and Family
Yearly deductible (in-network)	$750	$1,500	$1,500
Out-of-pocket maximum⁵ (in-network)	$10,600	$21,200	$21,200

Deductible and out-of-pocket maximum
Network benefits	Self Only	Self Plus One	Self and Family
	Network benefits Yearly deductible (in-network)	Self Only $750	Self Plus One $1,500	Self and Family $1,500	Network benefits Out-of-pocket maximum⁵ (in-network)	Self Only $10,600	Self Plus One $21,200	Self and Family $21,200

Elevate benefits that go beyond

Vision discount⁶

Eye exams, frames, lenses and more

Vision discount

Unlimited $0 telehealth visits

Including mental health with MDLIVE

Online doctor visit

Low or no copays

Including primary care, mental health visits and some alternative care

Find Care

Ready to enroll?

Whether it’s Elevate or another G.E.H.A plan you’re considering, we can help.

Enroll now

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Get help from a federal benefits expert.

Talk with a FedViser to help you choose the plan that works for you.

Click to view our extended Open Season and holiday hours to help you compare options and answer questions

Monday–Friday
By phone: Available 8 a.m.–8 p.m. Eastern time
Live chat: Available 8 a.m.–7 p.m. Eastern time

1-833-973-4342 Schedule a benefits session

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Current G.E.H.A member needing help?

1-800-821-6136

¹ Calendar year deductible applies.

² In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or percentage of the provider's negotiated amount.

³ Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.

⁴ This plan does not include mail-order prescriptions or out-of-network pharmacy coverage, and it has a limited pharmacy network. Find a pharmacy at geha.com/FindCare.

⁵ The out-of-pocket maximum is the maximum amount of coinsurance, copays and deductibles you pay for all family members before G.E.H.A begins paying for 100% of covered services. This is a combined maximum for both medical care and prescriptions.

⁶ These benefits are neither offered nor guaranteed under contract with the FEHB Program but are made available to all Enrollees who become members of a G.E.H.A health plan and their eligible family members.

This is a brief description of the features of the G.E.H.A Elevate health plan. Before making a final decision, please read the Plan's Federal brochure RI 71-018. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

We reinvest our dollars to ensure our plans and member experience are second to none.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

Dedicated to Postal workers since 1937

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

We offer two comprehensive dental plans with the right coverage for every stage of life.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Both G.E.H.A dental plans include no in-network deductibles with over 583,000 in-network dentist locations, including worldwide coverage.

Our Customer Care team can be reached Monday through Friday from 8 a.m.–8 p.m. Eastern time.

Founded by Postal workers 88 years ago to protect the health and well-being of federal employees.

Agency benefits professionals, this is your one-stop shop for Open Season support.

FEHB Elevate 2026

FEHB Elevate plan highlights

2026 FEHB Elevate rates

Costs (what you pay in-network)

Prescription benefits

Deductible and out-of-pocket maximum