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A low premium – and a lower-than-expected deductible.

High Deductible Health Plan 2020

View the 2019 High Deductible Health Plan

Take advantage of comprehensive coverage and funds you can use to pay for future health care expenses.

This plan pairs lower premiums with a health savings account (HSA) or a health reimbursement arrangement (HRA).

Why you might like the HDHP:

  • Pay nothing for in-network preventive medical care.
  • You pay only 5% of medical services after your deductible is met.
  • With our premium pass-through, GEHA contributes to your HSA/HRA to lower your net deductible.
  • Vision benefits are included and you pay nothing for in-network preventive dental treatment, which includes two checkups and one X-ray annually.
  • Your in-network out-of-pocket maximum for 2020 is only $5,000 for Self Only, or $10,000 for Self Plus One or Self and Family.

2020 Rates

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.

Self OnlySelf Plus OneSelf and Family
Non-Postal biweekly$59.29$127.48$150.04
Postal biweekly – Category 1 $56.92$122.38$144.04
Postal biweekly – Category 2 $49.21$105.81$124.53
Monthly (retirees)$128.46$276.20$325.09

Costs for services in 2020

The table below summarizes your in-network cost for medical benefits with GEHA's High Deductible Health Plan. For complete information, refer to the GEHA Plan Brochure.

Copays

CopayWhat you pay in-network
Primary physician office visit5% after deductible*
Specialist5% after deductible*
MinuteClinic (where available)5% after deductible*
Urgent care5% after deductible*
Routine eye exam$5 through EyeMed

Other services

ServiceWhat you pay in-network
Preventive lab servicesNothing
Well-child visits; up to age 22Nothing
Adult routine screeningNothing
Preventive dental care; twice yearlyNothing

Maternity care

ServiceWhat you pay in-network
Maternity; routine preventive careNothing*

Out-of-pocket maximums and yearly deductibles

Self OnlySelf Plus OneSelf and Family
Out-of-pocket-maximum (in-network)$5,000$10,000$10,000
Calendar-year deductible (in-network)$1,500$3,000$3,000
GEHA’s HSA/HRA premium pass-through contribution$900$1,800$1,800
Net deductible after pass-through1$600$1,200$1,200

1Your “net deductible after pass-through” is the bottom-line amount you owe for health care services before GEHA begins to pay. If you have GEHA’s High Deductible Health Plan, GEHA’s pass-through contribution reduces your net deductible.

Prescriptions

The table below summarizes your cost for prescription drugs with GEHA’s HDHP. For complete benefit information, including details on specialty drugs that are injected or infused, refer to the GEHA Plan Brochure.

To find a drug cost based on your benefit plan and prescription dosage, check your drug costs.

Retail pharmacy – 30-day supply

In-networkOut-of-network
Generic and preferred brand-name medication25% of plan allowance, after deductible*¤25% of plan allowance, after plan deductible,* plus difference between GEHA allowance and the cost of the drug¤
Non-preferred brand-name medication40% of plan allowance, after deductible*¤40% of plan allowance, after plan deductible,* plus difference between GEHA allowance and the cost of the drug¤

Mail service pharmacy – 90-day supply

In-networkOut-of-network
Generic or preferred brand-name medication25% of plan allowance, after deductible*¤n/a
Non-preferred brand-name medication40% of plan allowance, after deductible*¤n/a

Videos: How an HSA or an HRA works with an HDHP


Key plan features

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VISION BENEFITS

The HDHP is GEHA's only plan that includes generous vision benefits for eye exams, frames and lenses, especially if you stay in-network.
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HEALTH REWARDS

Up to $250 in incentives for HDHP members who complete simple and convenient health screenings.
ELECTRIC TOOTHBRUSH DISCOUNT

All GEHA members can buy a premium electric toothbrush by cariPRO at a discounted price of $27.99 plus shipping and handling.

Is the High Deductible Health Plan right for you?

Find out