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FEHB HDHP 2025

The plan for smart savers who need coverage for today while planning for tomorrow.

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FEHB HDHP plan highlights

Get up to $2,000 from G.E.H.A into a health savings account (HSA) to use for qualified health care expenses now or in the future⁹
Contribute your own dollars to the account tax-free and lower your yearly taxable income¹
Choose to invest your HSA savings and watch it grow tax-free as your money carries over year-to-year¹
Pay no more than 5% out-of-pocket on all medical services after deductible

Shopping for a Postal plan? View the 2025 PSHB HDHP page

Self Only	Self Plus One	Self and Family
Biweekly — employed	$76.27	$163.99	$201.52
Monthly — retired	$165.26	$355.31	$436.63

Pay frequency	Self Only	Self Plus One	Self and Family
	Pay frequency Biweekly — employed	Self Only $76.27	Self Plus One $163.99	Self and Family $201.52	Pay frequency Monthly — retired	Self Only $165.26	Self Plus One $355.31	Self and Family $436.63

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.

Medical benefit	What you pay
	Preventive care Annual physical exam, routine screenings, immunizations and more	$0
	Primary care office visits	5%²
	Mental health office visits	5%²
	Specialist office visit	5%²
	MinuteClinic / Urgent care facility visit	5%² / 5%²
	Unlimited telehealth visits, including mental health, with MDLIVE	$0^2,3
	Emergency room visit	5%²
	Hospital care; inpatient and outpatient	5%² / 5%²
	Lab services	5%²
	X-rays and other diagnostic services	5%²
	Maternity; preventive & childbirth / delivery professional and facility services	$0²
	Chiropractic care (up to 20 visits per year)	5%²
	Acupuncture (up to 20 visits per year)	5%²
	Preventive dental care, twice yearly	$0

Medical benefit	What you pay
	Medical benefit Preventive care Annual physical exam, routine screenings, immunizations and more	What you pay $0	Medical benefit Primary care office visits	What you pay 5%²	Medical benefit Mental health office visits	What you pay 5%²	Medical benefit Specialist office visit	What you pay 5%²	Medical benefit MinuteClinic / Urgent care facility visit	What you pay 5%² / 5%²	Medical benefit Unlimited telehealth visits, including mental health, with MDLIVE	What you pay $0^2,3	Medical benefit Emergency room visit	What you pay 5%²	Medical benefit Hospital care; inpatient and outpatient	What you pay 5%² / 5%²	Medical benefit Lab services	What you pay 5%²	Medical benefit X-rays and other diagnostic services	What you pay 5%²	Medical benefit Maternity; preventive & childbirth / delivery professional and facility services	What you pay $0²	Medical benefit Chiropractic care (up to 20 visits per year)	What you pay 5%²	Medical benefit Acupuncture (up to 20 visits per year)	What you pay 5%²	Medical benefit Preventive dental care, twice yearly	What you pay $0

Self Only	Self Plus One	Self and Family
Yearly deductible (what you pay in-network)	$1,650; G.E.H.A HSA contribution of $1,000; You pay $650⁵	$3,300; G.E.H.A HSA contribution of $2,000; You pay $1,300⁵	$3,300; G.E.H.A HSA contribution of $2,000; You pay $1,300⁵
Out-of-pocket maximum⁶ (what you pay in-network)	$6,000	$12,000	$12,000

Network benefits⁴	Self Only	Self Plus One	Self and Family
	Network benefits⁴ Yearly deductible (what you pay in-network)	Self Only $1,650; G.E.H.A HSA contribution of $1,000; You pay $650⁵	Self Plus One $3,300; G.E.H.A HSA contribution of $2,000; You pay $1,300⁵	Self and Family $3,300; G.E.H.A HSA contribution of $2,000; You pay $1,300⁵	Network benefits⁴ Out-of-pocket maximum⁶ (what you pay in-network)	Self Only $6,000	Self Plus One $12,000	Self and Family $12,000

Prescription benefits

The table below summarizes your benefits for prescription drugs with the HDHP plan. To find drug costs, use this handy check drug costs tool.

Prescriptions can be filled at a broad selection of in-network pharmacies nationwide. To find a pharmacy near you, go to caremark.com.

For details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.

Prescription benefit^2,4,7	In-network
	30-day retail generic	25%
	30-day retail preferred brand-name	25%⁸
	30-day retail non-preferred brand-name	40%⁸
	90-day mail service generic	25%
	90-day mail service preferred brand-name	25%⁸
	90-day mail service non-preferred brand-name	40%⁸
	30-day specialty CVS exclusive generic	25%
	30-day specialty CVS exclusive preferred brand-name	25%⁸
	30-day specialty CVS exclusive non-preferred brand-name	40%⁸

Prescription benefit^2,4,7	In-network
	Prescription benefit^2,4,7 30-day retail generic	In-network 25%	Prescription benefit^2,4,7 30-day retail preferred brand-name	In-network 25%⁸	Prescription benefit^2,4,7 30-day retail non-preferred brand-name	In-network 40%⁸	Prescription benefit^2,4,7 90-day mail service generic	In-network 25%	Prescription benefit^2,4,7 90-day mail service preferred brand-name	In-network 25%⁸	Prescription benefit^2,4,7 90-day mail service non-preferred brand-name	In-network 40%⁸	Prescription benefit^2,4,7 30-day specialty CVS exclusive generic	In-network 25%	Prescription benefit^2,4,7 30-day specialty CVS exclusive preferred brand-name	In-network 25%⁸	Prescription benefit^2,4,7 30-day specialty CVS exclusive non-preferred brand-name	In-network 40%⁸

HDHP benefits that go beyond

Vision benefit¹⁰

G.E.H.A’s most comprehensive benefits for eye exams, frames, and lenses — especially in-network

Vision benefit

Health Rewards

Get rewarded for engaging in healthy behaviors

Health rewards

The power of the HSA

Take G.E.H.A's contributions, decide what you'll contribute and use the proceeds tax-free for all qualified medical expenses⁹

Health savings account

Ready to enroll?

Whether it’s HDHP or another G.E.H.A plan you’re considering, we can help.

Enroll now

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Get help from a federal benefits expert.

Talk with a FedViser to help you choose the plan that works for you.

Monday–Friday
By phone: Available 7 a.m.–7 p.m. CT
Live chat: Available 7 a.m.–6 p.m. CT

1-833-973-4342 Chat now

Schedule a benefits session

Schedule benefits session

Current G.E.H.A member needing help?

1-800-821-6136

¹ Investment products are not FDIC insured, are not a deposit or other obligation of or guaranteed by HSA Bank and are subject to investment risks. The information provided is for informational purposes only. It should not be considered legal or financial advice. You should consult with a professional to determine what may be best for your individual needs.

² Calendar year deductible applies

³ HDHP members who have met their deductible will be charged by MDLIVE, but G.E.H.A will reimburse the member 100% of the Plan Allowance.

⁴ In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or percentage of the provider’s negotiated amount.

⁵ The net deductible is the remaining amount after you subtract the annual G.E.H.A contribution from the annual deductible. This is your out-of-pocket cost before plan benefits begin.

⁶ The out-of-pocket maximum is the maximum amount of coinsurance, copays and deductibles you pay for all family members before G.E.H.A begins paying for 100% of covered services. This is a combined maximum for both medical care and prescriptions.

⁷ Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.

⁸ If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the brand-name and the generic.

⁹ See IRS Publications 502 and 969 for more information regarding qualified medical expenses, health savings accounts, and health reimbursement arrangements.

¹⁰ These benefits are neither offered nor guaranteed under contract with the FEHB Program but are made available to all Enrollees who become members of a G.E.H.A health plan and their eligible family members.

This is a brief description of the features of the G.E.H.A High Deductible Health Plan (HDHP). Before making a final decision, please read the Plan’s Federal brochure RI 71-014. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

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Both G.E.H.A dental plans include no in-network deductibles with over 450,000 provider locations nationwide.

Founded by Postal workers 87 years ago to protect the health and well-being of federal employees.

Our Customer Care team can be reached Monday through Friday from 7 a.m.–7 p.m. Central time.

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FEHB HDHP 2025

FEHB HDHP plan highlights

2025 FEHB rates

Costs (what you pay in-network)

Deductible and out-of-pocket maximum

Prescription benefits