Here are GEHA's three comprehensive medical plans

All plans include vision for no extra premium.^

GEHA’s medical plan options are designed exclusively for federal and Postal employees, and retirees, worldwide.

The pricing information displayed below is based on your home location of
in
as a
who needs coverage for

2019 medical plans

HDHP

Lower premiums paired with an HSA or HRA. This plan is a good way to get low-cost medical coverage combined with funds you can use to pay for future medical expenses.

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monthly

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monthly


  • 100% coverage: In-network preventive
  • Up to $1,500 plan contribution to your HSA or HRA
  • 5% coinsurance for many in-network services once deductible is met
  • Vision coverage and benefits
  • 100% coverage: In-network dental diagnostic/preventive 2x/year
All Details

Standard Option

Affordable premiums and low copays. GEHA’s Standard Option medical plan is our best value for people who have predictable out-of-pocket expenses.

biweekly
monthly

biweekly
monthly


  • 100% coverage: In-network preventive
  • $30 copay for in-network specialist
  • Inpatient hospital, in-network: You pay 15% of allowance
  • 100% coverage: Maternity, physician/hospital care in-network
  • Preferred brand-name drugs: You pay 50%, up to $200 max
All Details

High Option

A smart pick if you take brand-name prescription drugs. GEHA's High Option medical plan includes comprehensive prescription coverage with potentially the lowest out-of-pocket costs.

biweekly
monthly

biweekly
monthly


  • 100% coverage: In-network preventive
  • $20 copay for in-network specialist
  • Inpatient hospital, in-network: You pay $100 copay, 10% of other charges
  • 100% coverage: Maternity, physician/hospital care in-network
  • Preferred brand-name drugs: You pay 25%, up to $150 max
All Details
  • Biweekly rate
    Monthly rate
  • Primary physician copay
  • Specialist copay
  • Urgent care
  • Hospital/facility care: Inpatient (you must pre-certify)
  • Hospital/facility care: Outpatient, emergency room and other charges
  • Generic prescriptions (retail pharmacy, 30-day supply)
  • Preferred brand-name medication (retail pharmacy, 30-day supply)
  • Non-preferred brand-name medication (retail pharmacy, 30-day supply)
  • Generic prescriptions (mail-order pharmacy, 90-day supply)
  • Preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Non-preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Out-of-pocket maximum
  • Calendar-year deductible
  • GEHA’s HSA/HRA premium pass-through contribution
  • Net deductible
  • Biweekly rate
    Monthly rate
  • Primary Physician Copay
  • Specialist Copay
  • Urgent care
  • Hospital/facility care: Inpatient (you must pre-certify)
  • Hospital/facility care: Outpatient, emergency room and other charges
  • Generic prescriptions (retail pharmacy, 30-day supply)
  • Preferred brand-name medication (retail pharmacy, 30-day supply)
  • Non-preferred brand-name medication (retail pharmacy, 30-day supply)
  • Generic prescriptions (mail-order pharmacy, 90-day supply)
  • Preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Non-preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Out-of-pocket maximum
  • Calendar-year deductible
  • GEHA’s HSA/HRA premium pass-through contribution
  • Net deductible
  • Enroll
  • All details
  • Biweekly Rate - Self Only
  • Primary Physician Copay
  • Specialist Copay
  • Urgent care
  • Hospital/facility care: Inpatient (you must pre-certify)
  • Hospital/facility care: Outpatient, emergency room and other charges
  • Generic prescriptions (retail pharmacy, 30-day supply)
  • Preferred brand-name medication (retail pharmacy, 30-day supply)
  • Non-preferred brand-name medication (retail pharmacy, 30-day supply)
  • Generic prescriptions (mail-order pharmacy, 90-day supply)
  • Preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Non-preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Out-of-pocket maximum
  • Calendar-year deductible
  • GEHA’s HSA/HRA premium pass-through contribution
  • Net deductible
  • Enroll
  • All details
  • Biweekly Rate - Self Only
  • Primary Physician Copay
  • Specialist Copay
  • Urgent Care
  • Hospital/facility care: Inpatient (you must pre-certify)
  • Hospital/facility care: Outpatient, emergency room and other charges
  • Generic prescriptions (retail pharmacy, 30-day supply)
  • Preferred brand-name medication (retail pharmacy, 30-day supply)
  • Non-preferred brand-name medication (retail pharmacy, 30-day supply)
  • Generic prescriptions (mail-order pharmacy, 90-day supply)
  • Preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Non-preferred brand-name medication (mail-order pharmacy, 90-day supply)
  • Out-of-pocket maximum
  • Calendar-year deductible
  • GEHA’s HSA/HRA premium pass-through contribution
  • Net deductible
  • Enroll
  • All details

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.

Savings in all medical plans^

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Vision Coverage

Get $5 annual eye exams and discounts on eyewear.
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HEARING-AID DISCOUNTS

Save 30% to 60% off the average retail price of hearing aids.
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TEETH WHITENING

Save 20% as you whiten your teeth from the comfort of home.
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HEALTH REWARDS

Up to $250 in incentives for members who complete simple and convenient health screenings.
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GYM DISCOUNTS

Access over 9,000 fitness centers nationwide for $25 a month (plus a $25 enrollment fee and taxes).
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MEDICAL ALERT SYSTEM

Get discounted emergency response services from Life Alert.