Open Season is here. G.E.H.A benefits experts are available Monday–Friday, 8 a.m.–8 p.m. ET, and Saturday–Sunday, 8 a.m.–5 p.m. ET. Learn more about support

You are using a browser we no longer support. Current functionality may be reduced and some features may not work properly. For a more optimal geha.com experience, please click here for a list of supported browsers.

FEHB Standard 2026

The family-friendly plan for those who want strong coverage and affordable copays

FEHB Standard plan highlights

Low deductible and predictable copays for the services families use most
100% maternity physician coverage for your growing family, including doula services, preconception program and maternal mental health visits with an in-network provider
Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits
Included vision discount at no additional cost⁷

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

Looking for 2026 plan documents?

2026 FEHB Standard rates
Pay frequency	Self Only	Self Plus One	Self and Family
Biweekly — employed	$86.75	$186.51	$231.45
Monthly — retired	$187.95	$404.11	$501.47

2026 FEHB Standard rates
Pay frequency	Self Only	Self Plus One	Self and Family
	Pay frequency Biweekly — employed	Self Only $86.75	Self Plus One $186.51	Self and Family $231.45	Pay frequency Monthly — retired	Self Only $187.95	Self Plus One $404.11	Self and Family $501.47

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 that maintains your health benefits enrollment.

Costs (what you pay in-network)
Medical benefit	What you pay
Preventive care Annual physical exam, routine screenings, immunizations and more	$0
Primary care office visits	$35
Mental health office visits	$35
Specialist office visit	$50
MinuteClinic / Urgent care facility visit	$15 / $50
Unlimited telehealth visits, including mental health, with MDLIVE	$0
Emergency room visit	35%¹
Hospital care; outpatient / inpatient	25%¹ / 25%¹
Lab services (QuestSelect benefit)	$0
Lab services (other than QuestSelect)	25%
X-rays and other diagnostic services	25%^1,2
Maternity; delivery and inpatient services	25%¹
Maternity; childbirth / delivery professional services	$0
Chiropractic care (up to 20 visits per year)	$35
Acupuncture (up to 20 visits per year)	25%¹
Preventive dental care, twice yearly	50%

Costs (what you pay in-network)
Medical benefit	What you pay
	Medical benefit Preventive care Annual physical exam, routine screenings, immunizations and more	What you pay $0	Medical benefit Primary care office visits	What you pay $35	Medical benefit Mental health office visits	What you pay $35	Medical benefit Specialist office visit	What you pay $50	Medical benefit MinuteClinic / Urgent care facility visit	What you pay $15 / $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	What you pay 25%¹ / 25%¹	Medical benefit Lab services (QuestSelect benefit)	What you pay $0	Medical benefit Lab services (other than QuestSelect)	What you pay 25%	Medical benefit X-rays and other diagnostic services	What you pay 25%^1,2	Medical benefit Maternity; delivery and inpatient services	What you pay 25%¹	Medical benefit Maternity; childbirth / delivery professional services	What you pay $0	Medical benefit Chiropractic care (up to 20 visits per year)	What you pay $35	Medical benefit Acupuncture (up to 20 visits per year)	What you pay 25%¹	Medical benefit Preventive dental care, twice yearly	What you pay 50%

Prescription benefits

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

Prescriptions can be filled at a broad selection of in-network pharmacies nationwide. 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^3,5	In-network
30-day retail generic	$10
30-day retail preferred brand-name	40% ($350 max)⁶
30-day retail non-preferred brand-name	60% ($550 max)⁶
90-day mail service generic	$25
90-day mail service preferred brand-name	40% ($700 max)⁶
90-day mail service non-preferred brand-name	60% ($1,100 max)⁶
30-day specialty CVS exclusive generic	50% ($450 max)
30-day specialty CVS exclusive preferred brand-name	50% ($450 max)⁶
30-day specialty CVS exclusive non-preferred brand name	50% ($600 max)⁶

Prescription benefits
Prescription benefit^3,5	In-network
	Prescription benefit^3,5 30-day retail generic	In-network $10	Prescription benefit^3,5 30-day retail preferred brand-name	In-network 40% ($350 max)⁶	Prescription benefit^3,5 30-day retail non-preferred brand-name	In-network 60% ($550 max)⁶	Prescription benefit^3,5 90-day mail service generic	In-network $25	Prescription benefit^3,5 90-day mail service preferred brand-name	In-network 40% ($700 max)⁶	Prescription benefit^3,5 90-day mail service non-preferred brand-name	In-network 60% ($1,100 max)⁶	Prescription benefit^3,5 30-day specialty CVS exclusive generic	In-network 50% ($450 max)	Prescription benefit^3,5 30-day specialty CVS exclusive preferred brand-name	In-network 50% ($450 max)⁶	Prescription benefit^3,5 30-day specialty CVS exclusive non-preferred brand name	In-network 50% ($600 max)⁶

Deductible and out-of-pocket maximum
Network benefits³	Self Only	Self Plus One	Self and Family
Yearly deductible (in-network)	$500	$1,000	$1,000
Out-of-pocket maximum⁴ (in-network)	$8,000	$16,000	$16,000

Deductible and out-of-pocket maximum
Network benefits³	Self Only	Self Plus One	Self and Family
	Network benefits³ Yearly deductible (in-network)	Self Only $500	Self Plus One $1,000	Self and Family $1,000	Network benefits³ Out-of-pocket maximum⁴ (in-network)	Self Only $8,000	Self Plus One $16,000	Self and Family $16,000

Standard benefits that go beyond

Maternity support

Pregnancy, fertility, childbirth, mental health, breast pump discounts and more

Maternity program

Health Rewards

Get rewarded for engaging in healthy behaviors

Health Rewards

Vision discount⁷

Eye exams, frames, lenses and more

Vision discount

Ready to enroll?

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

Enroll now

Fedviser talking on headset in front of computer

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

Chat online with a FedViser

Chat now

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

1-800-821-6136

¹ Calendar year deductible applies.

² Standard, you pay a $250 copay for advanced outpatient high tech imaging such as MRI, CT, PET, etc.

³ 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.

⁴ 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.

⁵ Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.

⁶ If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the brand-name and the generic.

⁷ 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 Standard health plan. Before making a final decision, please read the Plan's Federal brochure RI 71-006. 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 Standard 2026

FEHB Standard plan highlights

2026 FEHB Standard rates

Costs (what you pay in-network)

Prescription benefits

Deductible and out-of-pocket maximum