HIGH DEDUCTIBLE HEALTH PLAN (hdhp) 

Welcome to your MEDICAL plan page
Bookmark this page for future reference the next time you need to explore your benefits, rewards or care resources. Watch the welcome video for a quick overview of what you can do to get the most out of your medical plan.

For a detailed overview of your plan, watch this on-demand webinar to learn how to maximize your benefits.

Get started

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You will need:
  • Your GEHA medical plan ID card, which you should have received in the mail.
  • Information on any other medical plans you or your family have that will coordinate with your GEHA benefits.
  • Your mobile device if you'd like to download and set up the GEHA mobile app.
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The process should take:
About 20-30 minutes to complete. if you have any questions along the way, don't hesitate to contact us to get help setting up.

Your onboarding steps

number 1
Complete your Enrollment Questionnaire.
Your Enrollment Questionnaire helps us process your claims quickly and efficiently. If you prefer, you can complete this by mail using the form provided in your enrollment packet.
number 2
Register your GEHA web account.
Your GEHA web account offers you access to member-only services, like tracking claims and deductible and setting your communication preferences.
number 3
Choose how to get your Explanation of Benefits.
Once you're registered with GEHA, go to Update Info & Preferences to select whether you want to receive your Explanation of Benefits (EOB) by email or U.S. mail.
number 4
Download the GEHA mobile app.
The GEHA mobile app empowers you to access your account on the go, check claims and deductibles, find care and more. No smart phone? No problem. This step is optional.
number 5
Explore your plan page.
Take a look at the rest of this page to explore your plan's benefits. 

HDHP coverage


Your yearly deductible & out-of-pocket max

Yearly net deductible.1 What you pay in-network.2

Plan type 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.4 What you pay in-network .2

Plan type Benefit What you pay
Self Only Out-of-pocket max4 $5,000
Self Plus One Out-of-pocket max4 $10,000
Self and Family Out-of-pocket max4 $10,000

Your medical benefits

What you pay for common in-network services.1

Benefit What you pay
Unlimited telehealth visits with MDLIVE geha.com/MDLIVE
Hospital care; inpatient maternity
Maternity, routine care
$02,3
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) geha.com/MinuteClinic
Lab services
Other diagnostic services
Professional surgical services
Acupuncture; up to 20 treatments per year
5%2
Chiropractic care; up to 20 visits per year (spinal manipulation therapy)
Balance after GEHA pays $20 per visit 2
Chiropractic X-rays Balance after GEHA pays $25 per year 2

Your prescription benefits

In-network benefts.1,2 Visit geha.com/Prescriptions to learn more.3

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

Medicare + HDHP Option coverage


Your yearly deductible & out-of-pocket max

Yearly net deductible.1 What you pay in-network.2

Plan type Yearly deductible GEHA HRA3 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.4 What you pay in-network .2

Plan type Benefit What you pay
Self Only Out-of-pocket max4 $5,000
Self Plus One Out-of-pocket max4 $10,000
Self and Family Out-of-pocket max4 $10,000

Your medical benefits

What you pay in-network for common services.1

Benefit What you pay
Unlimited telehealth visits with MDLIVE geha.com/MDLIVE
$02,3
Preventive care; adult routine screenings
Preventive lab services
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) geha.com/MinuteClinic
Lab (non-preventive) and X-ray services
Professional surgical services; inpatient and outpatient
5%2
Chiropractic care; up to 20 visits per year (spinal manipulation therapy)
Balance after GEHA pays $20 per visit2
Chiropractic X-rays Balance after GEHA pays $25 per year2

Your prescription benefits

In-network benefts.1,2 Visit geha.com/Prescriptions to learn more.3

Prescription Type What you pay
30-day retail Generic
Preferred brand-name
Non-preferred brand-name
25%
25%
4
40%4
90-day mail service Generic
Preferred brand-name
Non-preferred brand-name
25%
25%
4
40%4
30-day specialty CVS exclusive Generic
Preferred brand-name
Non-preferred brand-name
25%
25%4
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 also determine if you are eligible for an HRA or HSA 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: 
  • Tax-free contributions that lower your taxable income.
  • Tax-free interest that grows your account over time.
  • 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.

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

Estimate medication costs

Visit our Check Drug Costs tool, hosted by CVS Caremark, to evaluate your medication cost.
ESTIMATE YOUR COSTS

Find an in-network pharmacy

Discover a convenient in-network pharmacy near you using this online locator, hosted by CVS Caremark.
LOCATE YOUR PHARMACY

CVS Caremark mobile app

Scan prescriptions, compare prices and check your refills.
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

Included benefits and discounts

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Telehealth benefit1

Unlimited telehealth visits with certified doctors, including pediatricians, licensed behavioral health therapists and dermatologists through MDLIVE. After your deductible is met, you'll be charged by MDLIVE but reimbursed 100% by GEHA.
LEARN MORE
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Vision benefits & discount2

Pay a $5 copay for routine eye exams at in-network EyeMed℠ providers, and get discounts on lenses, frames and specialty items such as tints, scratch coating and polycarbonate lenses.
LEARN MORE
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Hearing aid discount2

Receive TruHearing discounted pricing on hearing aids and save 30% to 60% averaging more than $2,100 per pair.
LEARN MORE
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Gym membership discount2

Access more than 10,000 Active&Fit Direct™ participating fitness centers. You can also access 1,500+ on-demand workout videos at home or on-the-go.
LEARN MORE
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Electric toothbrush discount2,3

Save more than 70% off a premium electric toothbrush by cariPRO™.
LEARN MORE
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Teeth whitening discount2

Receive a 20% discount on the lowest published price on all Smile Brilliant home teeth whitening products. Includes custom-fitted trays, whitening gel and desensitizing gel.
LEARN MORE
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Medical alert system2

Get free activation, plus a 10% monthly discount, for responsive emergency help with Life Alert.
LEARN MORE
 
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Biometric screening

Free screenings that measure your blood pressure, A1C, height, weight and total cholesterol numbers at select nationwide locations.
LEARN MORE
 

Health Rewards



This program gives two adult members per household (age 18+) the opportunity to earn up to $250 each in rewards for participating in activities that promote healthy behavior. The money you can earn can be used for qualified medical expenses and health-related items by using your Health Rewards card.

 

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. 

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How it works

Once you’ve signed up, start earning rewards by completing activities. It’s as simple as that. Earn up to $250 each (maximum $500 per household) per year.
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 card in the mail.
ACTIVATE YOUR ACCOUNT
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Redeeming your rewards

Once your deductible is met, you can use your rewards on all qualified 213(d) medical expenses at pharmacies and health care providers for eligible goods, services and prescriptions.
USE YOUR REWARDS

Find care




How to get care

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

Other care resources

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Maternity resources

We're here to help with your growing family. We have answers to your questions about pregnancy, prenatal care and your GEHA benefits.
ACCESS YOUR BENEFITS
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Your care team

Your care team1 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. 3100
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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.
REQUEST NOW

Resources


Plan documents

Topic
Resource
2021 High Deductible Health Plan (HDHP) Brochure Download (PDF)
2021 HDHP Member Guide Download
2021 HDHP Member Webinar Watch Now
2021 Medical Benefits Guide Download 
2021 Summary of Benefits Coverage Download (PDF)

Helpful resources

Topic
Resource
GEHA Customer Care geha.com/Contact
Find Care Tool geha.com/Find-Care
Frequently asked questions geha.com/FAQs