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HDHP

Welcome to your medical plan page

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What’s new in 2022

  • HDHP members pay the specialist 5% coinsurance for chiropractic care after the deductible is met. This includes X-ray coverage.
  • Nutritional counseling is covered at 100% in-network for HDHP members. This coverage is subject to the deductible when the counseling is not preventive.
For a complete list of plan changes, download the plan brochure.
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HDHP coverage


Yearly deductible in-network1,2

Plan type Yearly deductible GEHA HSA3 contribution Yearly net deductible
Self Only $1,500 - $900 = $600
Self Plus One $3,000 - $1,800 = $1,200
Self and Family $3,000 - $1,800 = $1,200

Out-of-pocket max in-network4

Plan type What you pay
Self Only $5,000
Self Plus One $10,000
Self and Family $10,000

Medical benefits in-network1

Benefit What you pay
  • Unlimited telehealth visits, including behavioral health, with MDLIVE
$02,3
  • Maternity; routine preventive care
  • Hospital care; inpatient maternity
$02
  • Preventive care; adult routine screenings
  • Well-child visit; up to age 22
  • Preventive dental care, twice yearly
$0
  • Primary physician office visit
  • Specialist care; office visit
  • Urgent care
  • Emergency care
  • Hospital care; inpatient and outpatient
  • MinuteClinic© (where available)
  • Lab services
  • Other diagnostic services
  • Professional surgical services
  • Chiropractic care (manipulative therapy), including X-rays; up to 20 visits per year
  • Acupuncture; up to 20 treatments per year
5%2

Your prescription benefits

In-network benefits.1,2

30-day retail prescription What you pay
Generic
Preferred brand-name
Non-preferred brand-name
25%3
25%3,4
40%3,4
90-day mail service prescription What you pay
Generic
Preferred brand-name
Non-preferred brand-name
25%3
25%3,4
40%3,4
30-day specialty CVS exclusive What you pay
Generic
Preferred brand-name
Non-preferred brand-name
25%3
25%3,4
40%3,4

Medicare + HDHP coverage


Yearly deductible in-network1,2

Yearly deductible GEHA HSA3 contribution Yearly net deductible1
Self Only $1,500 - $900 = $600
Self Plus One $3,000 - $1,800 = $1,200
Self and Family $3,000 - $1,800 = $1,200

Out-of-pocket max in-network4

Plan type What you pay
Self Only $5,000
Self Plus One $10,000
Self and Family $10,000

HDHP + Medicare medical benefits

With Medicare A & B primary in-network1,2

Benefit What you pay
  • Unlimited telehealth visits, including behavioral health, with MDLIVE
$02,3
  • Preventive care; adult routine screenings
  • Preventive dental care, twice yearly
$0
  • Primary physician office visit
  • Specialist care; office visit
  • Urgent care
  • Emergency care
  • Hospital care; inpatient and outpatient
  • MinuteClinic© (where available)
  • Lab services
  • Other diagnostic services
  • Professional surgical services
  • Chiropractic care (manipulative therapy), including X-rays; up to 20 visits per year
  • Acupuncture; up to 20 treatments per year
5%2

Your prescription benefits

In-network benefits.1,2

30-day retail prescription What you pay
Generic
Preferred brand-name
Non-preferred brand-name
25%3
25%3,4
40%3,4
90-day mail service prescription What you pay
Generic
Preferred brand-name
Non-preferred brand-name
25%3
25%3,4
40%3,4
30-day specialty CVS exclusive What you pay
Generic
Preferred brand-name
Non-preferred brand-name
25%3
25%3,4
40%3,4

Included benefits


Understanding an HSA (Health Savings Account)

If you qualify for an HSA you will receive a welcome kit in the mail from HSA Bank. Most people qualify for an HSA.1 You can learn more about HSA eligibility at geha.com/IRS969. Investing your HSA money not only helps you save for future financial security, it offers some major tax advantages, too. All GEHA HSA contributions are pre-tax and are not taxed when you withdraw them for qualified medical expenses.2

Your HSA has a triple tax advantage: 

piggy bank

Tax-free contributions
that lower your taxable income.

Dollar bill growing on plant

Tax-free interest
that grows your account over time.

Coins falling into hand

Tax-free withdrawals
for qualified medical expenses.2


How an HSA is funded

GEHA's contribution is prorated based on the effective date of your HDHP enrollment.

Plan type GEHA monthly contribution
Self Only $75 monthly ($900 annual max)

Self Plus One $150 monthly ($1,800 annual max)

Self and Family $150 monthly ($1,800 annual max)

How you can use the money in your HSA

  • Use the funds for current medical expenses, which lowers your yearly deductible.
  • Keep any unused money in an interest-bearing savings account or invest in stocks, bonds and mutual funds and use those funds for future medical expenses.
  • You may make additional contributions up to the IRS-allowed annual maximum. Total 2021 HSA contributions, including GEHA's monthly contributions, cannot exceed: 
    • $3,600 for Self Only, $7,200 for Self Plus One or Self and Family
    • Plus $1,000 in "catch up" contributions for individuals age 55+
  • At age 65, you can use the funds in this account like you would an IRA.
  • For a list of qualified medical expenses, visit irs.gov/Pub502

Benefits of an HSA

  • You own the account and can take it with you when you change plans, change jobs or retire.
  • Any unused money rolls over year to year.
  • Accounts are provided by HSA Bank with access to investment services.
  • You can make additional tax-deductible deposits.
  • Enjoy tax-free withdrawals for qualified medical expenses.
  • GEHA pays your account setup fee and monthly maintenance fee.

To learn more, visit geha.com/HSA

Understanding an HRA (Health Reimbursement Arrangement)

If you do not qualify for an HSA, you will receive a health reimbursement arrangement (HRA) notification in the mail from GEHA. You can also determine if you are eligible for an HRA or HSA at  at geha.com/IRS969. As you receive medical care, available funds in your HRA will be used tax-free to pay for qualified out-of-pocket expenses. You can use HRA funds to reimburse payment of Medicare Part B premiums. Our plan allows unused HRA funds to carry over from year to year. You will forfeit the money in your HRA if you leave federal employment or switch health insurance plans. If you retire, or remain covered under your HDHP, you may continue to accumulate and use funds in your HRA.

How an HRA is funded

For those who don't qualify for an HSA, the full annual HRA deposit is available for qualified medical expenses incurred on or after your effective date.
Plan type GEHA lump sum contribution1
Self Only $900

Self Plus One $1,800 

Self and Family $1,800

Features of an HRA

  • Unused money rolls over year over year.
  • No additional personal contributions are allowed.
  • Tax-free withdrawals for qualified medical expenses.
  • No account fees.
  • You do not own the account.
  • If you leave federal employment or change to another medical plan, including one of GEHA's other medical plans, the money in the HRA is forfeited.
  • For a list of qualified medical expenses, visit irs.gov/Pub502


Pharmacy benefits

Retail pharmacy

Fill your prescriptions at more than 66,000 in-network pharmacies nationwide including CVS, RiteAid, Walgreens, Walmart and more.
VISIT YOUR PHARMACY

Mail service pharmacy

Have medications delivered to your door with CVS Caremark Mail Service Pharmacy. Many non-specialty drugs qualify for 90-day refills.
LEARN MORE

Estimate medication costs

Visit our check drug costs tool, hosted by CVS Caremark, to evaluate your medication costs.
LEARN MORE

CVS ExtraCare Health Benefit

Receive a 20% discount on eligible CVS Health Brand health-related items by using the ExtraCare Health Benefit.
VISIT CVS.COM

Your exclusive discounts

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Vision benefit & discount1

HDHP offers a complete vision benefit in addition to vision discounts through EyeMed. You get low copays on eye exams and discounts on frames and lenses through EyeMed.™
LEARN MORE
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Medical alert discount1

Get free activation, plus a 10% monthly discount, for responsive emergency help.
LEARN MORE
Hearing aid icon 

Hearing aid discount1

Receive TruHearing discounted pricing on hearing aids and save 30% to 60%, averaging more than $2,500 per pair.
LEARN MORE
electric toothbrush icon 

Electric toothbrush discount1,2

Save more than 70% off a premium electric toothbrush by cariPRO.™
LEARN MORE
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Teeth whitening discount1

Receive a 20% discount off the lowest published price on all Smile Brilliant home teeth whitening products. Includes custom-fitted trays, whitening gel and desensitizing gel.
LEARN MORE

Find care




Choose the right care

Free Health Advice Line
Talk to a nurse 24/7/365.
MinuteClinic©
Local care for minor issues.
Telehealth1
Unlimited $0 visits with MDLIVE.
Urgent care
Convenient local care option.
Primary and specialty care
Non-emergency doctor care.
Emergency room
Life threatening issues.
Call 9-1-1

 

Other care resources

maternity resources icon 

Maternity resources

Count on GEHA’s maternity program for answers to your questions about pregnancy, prenatal care and your GEHA benefits.
LEARN MORE
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Your care team

Your care team will help move you toward your health goals by assisting with lifestyle choices, medications, health care providers, educational materials and more.
CALL 888.216.8246 ext. 3984
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Second Opinion

When it comes to making medical decisions, such as if a surgery is right for you, you want to be sure. Request a second opinion to learn more about your treatment options.
GET A SECOND OPINION

Health Rewards


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How it works

This program gives two adult members per household (age 18+) the opportunity to earn up to $250 each (maximum $500 per household per year) in Health Rewards for participating in activities that promote healthy behavior.

HDHP members who are also enrolled in an HSA may only use their card for qualified dental and vision expenses until the yearly plan deductible has been satisfied.
EARN YOUR REWARDS
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Your Health Rewards card

After completing your first eligible rewards activity, you’ll automatically receive a Health Rewards prepaid debit card in the mail. You can use this reloadable card at pharmacies and health care providers to pay for eligible goods, services and prescriptions.
ACTIVATE YOUR ACCOUNT
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Redeeming your rewards

You can spend your available rewards on all 213(d) qualified medical expenses — such as eyeglasses or contacts, orthodontics, doctor visits and dental care — using your Health Rewards prepaid debit card.
USE YOUR REWARDS

Our Benefits Advisers are available Mon. – Fri. from 7 a.m. – 7 p.m. Central time and are ready to answer your questions.
Are you a current GEHA member?
Medical questions: 800.821.6136
Dental questions: 877.434.2336

Resources


Plan documents

Topic
Resource
2022 HDHP Plan Brochure Download (PDF)
2022 HDHP Member Guide Browse the e-book
2022 Medical Benefits Guide Browse the e-book
2022 Summary of Benefits Coverage Download (PDF)

Helpful resources

Topic
Resource
Create your GEHA web account geha.com/Register
Complete your Enrollment Questionnaire geha.com/EQ
Talk with GEHA Customer Care geha.com/Contact
Use the Find Care Tool geha.com/Find-Care
View the frequently asked questions geha.com/FAQs
Access the GEHA App Visit the App Store or Google Play