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HDHP

Welcome to your medical plan page

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What’s new in 2023

  • For out-of-network services, the deductible and out-of-pocket maximum will accumulate separately from in-network services. In-network costs will no longer apply to out-of-network amounts.
  • Preventive colorectal cancer screening now covered at no cost at age 45
  • Prediabetes screening age lowered to 35 instead of 40. Unlimited diabetes education provided.
For a complete list of plan changes, download the plan brochure.
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HDHP coverage


Yearly deductible

Yearly deductible in-network1,2 Annual deductible GEHA HSA contribution You pay2
Self Only $1,500 $900 $600
Self Plus One or Self and Family $3,000 $1,800 $1,200

Out-of-pocket maximum

Out-of-pocket maximum in-network1,2 You pay
Self Only $5,000
Self Plus One or Self and Family $10,000

Your medical benefits

Medical benefits in-network1 You pay
  • Unlimited telehealth visits, including mental health, with MDLIVE
$02,3
  • Maternity; routine preventive care
  • Maternity; inpatient care
$02
  • Preventive care; adult routine screenings
  • Well-child visit; up to age 22
  • Preventive dental care, twice yearly
$0
$5
  • Primary physician office visit
  • Mental health office visit
  • Specialist care; office visit
  • Urgent care facility
  • ER visit
  • Hospital care; inpatient and outpatient
  • MinuteClinic© (where available)
  • Lab services
  • X-ray and 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

Prescription benefits in-network1,2,3 You pay
30-day retail generic 25%
30-day retail preferred brand-name 25%4
30-day retail non-preferred brand-name 40%4
90-day mail service generic 25%
90-day mail service preferred brand-name 25%4
90-day mail service non-preferred brand-name 40%4
30-day specialty CVS exclusive generic and preferred brand-name 25%4
30-day specialty CVS exclusive non-preferred brand-name 40%4

Medicare and HDHP coverage


Yearly deductible

Yearly deductible in-network1,2 Annual deductible GEHA HRA contribution You pay2
Self Only $1,500 $900 $600
Self Plus One or Self and Family $3,000 $1,800 $1,200

Out-of-pocket maximum

Out-of-pocket max in-network1,2 You pay
Self Only $5,000
Self Plus One or Self and Family $10,000

HDHP and Medicare medical benefits

With Medicare A & B primary in-network1,2 You pay
  • Unlimited telehealth visits, including mental health, with MDLIVE
$02,3
  • Preventive care; adult routine screenings
  • Preventive dental care, twice yearly
$0
  • Vision coverage; eye exam
$5
  • Primary physician office visit
  • Mental health office visit
  • Specialist care; office visit
  • Urgent care facility
  • ER visit
  • Hospital care; inpatient and outpatient
  • MinuteClinic© (where available)
  • Lab services
  • X-ray and other diagnostic services
  • Professional surgical services
  • Chiropractic care (manipulative therapy), including X-rays; up to 20 visits per year
5%2

Your prescription benefits

Prescription benefits in-network1,2,3 You pay
30-day retail generic 25%
30-day retail preferred brand-name 25%4
30-day retail non-preferred brand-name 40%4
90-day mail service generic 25%
90-day mail service preferred brand-name 25%4
90-day mail service non-preferred brand-name 40%4
30-day specialty CVS exclusive generic and preferred brand-name 25%4
30-day specialty CVS exclusive non-preferred brand-name 40%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 monthly 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 or 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 2023 HSA contributions, including GEHA's monthly contributions, cannot exceed:
    • $3,850 for Self Only, $7,750 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

Understanding an HRA (Health Reimbursement Arrangement)

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 or 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

Your exclusive discounts

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Vision benefit & discount1

HDHP is GEHA’s only plan to include a complete vision benefit in addition to vision discounts 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 

Hearing aid discount1

Receive TruHearing discounted pricing on hearing aids and save 30% to 60%, averaging more than $2,600 per pair.
Learn more
electric toothbrush 

Electric toothbrush discount1,2

Save more than 70% off a premium electric toothbrush by cariPRO.®
Learn more
tooth whitening icon 

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

For helpful instructions on how to find in-network primary, specialty and urgent care using GEHA’s Find Care tool, watch this video.

Nurse Advice Line
Talk to a nurse 24/7/365 at no cost.
MinuteClinic©
Local care for minor issues.
Telehealth
$0 unlimited visits with MDLIVE, including mental health.
Urgent care
Convenient local care option.
Primary and specialty care
Non-emergency doctor care.
Emergency room
Life threatening issues.
Suicide and Crisis Lifeline
Mental health, emotional distress or suicidal crisis-related emergencies.

Other care resources

Baby carriage 

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 team of health professionals

Your dedicated group of health professionals 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

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 can 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 reloadable debit card

After completing your first eligible rewards activity, you’ll automatically receive a Health Rewards reloadable 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
Two hands with a trophy 

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 reloadable debit card.
Use your rewards

Resources


Plan documents

Topic
Resource
2023 HDHP Plan Brochure Download (PDF)
2023 HDHP Member Guide Browse the e-book
2023 Medical Benefits Guide Browse the e-book
2023 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