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HDHP 2024

The economical plan for savvy savers whose focus is on future medical needs

View the 2025 HDHP plan

Highlights:

  • Low premium with lower-than-expected deductible
  • Triple tax advantaged Health Savings Account (HSA)*
  • New for 2024: $1,000/$2,000 GEHA contribution makes your costs even lower
  • Unlimited telehealth visits, including mental health, with MDLIVE1,2
  • 5% out-of-pocket after deductible
  • Routine vision and preventive dental benefits included
  • Our fastest growing FEHB plan! Popular plan for healthy individuals who don't frequent the doctor but have coverage when they need it.

* 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.

2024 HDHP rates

Pay frequency Self Only Self Plus One Self and Family
Biweekly — employed $71.45 $153.62 $188.78
Monthly — retired $154.81 $332.84 $409.02

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.



Costs (what you pay in-network)

In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For out-of-network benefits, check the GEHA Plan Brochure.
Medical benefit What you pay
Unlimited telehealth visits, including mental health, with MDLIVE $01,2
Maternity; preventive prenatal and postnatal office visits 0%1
Maternity; childbirth/delivery professional services 0%1
Maternity; childbirth/delivery facility services 0%1
Preventive care; adult routine screenings $0
Well-child visit; up to age 22 $0
Preventive dental care, twice yearly $0
Vision coverage; eye exam and additional benefits $5
Primary care physician office visit 5%1
Mental health office visit 5%1
Specialist care office visit 5%1
Urgent care facility visit 5%1
ER visit 5%1
Hospital care; inpatient and outpatient 5%1
MinuteClinic visit (where available) 5%1
Lab services 5%1
Other diagnostic services 5%1
Professional surgical services 5%1
Chiropractic care (manipulative therapy), including X-rays; up to 20 visits per year 5%1
Acupuncture; up to 20 visits per year 5%1
1 Calendar year deductible applies.
2 HDHP members who have met their deductible will be charged by MDLIVE, but GEHA will reimburse the member 100% of the plan allowance.

Deductible and out-of-pocket maximum (in-network)

Term Self Only Self Plus One Self and Family
Yearly deductible (what you pay in-network) $1,600 $3,200 $3,200
GEHA’s contribution $1,000 $2,000 $2,000
Net deductible1 $600 $1,200 $1,200
Out-of-pocket maximum (what you pay in-network) $6,000 $12,000 $12,000

1Net deductible: This is the remaining amount after you subtract the annual GEHA contribution from the annual deductible. This is your out-of-pocket cost before plan benefits begin.


Prescription benefits1,2,3

The table below summarizes your cost for prescription drugs with GEHA’s HDHP. For details on specialty drugs that are injected or infused, check the GEHA Plan Brochure.
 
For added convenience and management of medications, prescription benefits include access to presorted multi-dose packets. Packets can be delivered to your home or, if available, picked up at a retail location. To find drug costs with HDHP, use this handy check your drug costs tool.
Prescription benefit What you pay in-network
30-day retail generic 25% of plan allowance, after deductible*
30-day retail preferred brand-name 25% of plan allowance, after deductible*¤
30-day non-preferred brand-name 40% of plan allowance, after deductible*¤
90-day mail service generic 25% of plan allowance, after deductible*
90-day mail service preferred brand-name 25% of plan allowance, after deductible*¤
90-day mail service non-preferred brand-name 40% of plan allowance, after deductible*¤
30-day specialty CVS exclusive generic and preferred brand-name 25% of plan allowance, after deductible*¤
30-day specialty CVS exclusive non-preferred brand-name 40% of plan allowance, after deductible*¤

*Under the High Deductible Health Plan (HDHP), your deductible is $1,600 for Self Only coverage, and $3,200 for Self Plus One or Self and Family coverage. With the exception of preventive care, vision and dental, you must pay the full deductible before GEHA pays for your health care. You can use funds in your health savings account or health reimbursement arrangement to cover your deductible and other medical expenses.

¤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.

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

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

3 Calendar year deductible applies.

cover image for the 2024 geha medical benefits guide

2024 Medical Benefits Guide

Review this guide with all our plans, including rates, costs, extra services, and side-by-side comparisons



Highlights that are special to HDHP

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.
Vision benefits
Health Rewards3
Up to $250 in incentives for HDHP members who complete simple and convenient health screenings.

Health Rewards
$0 telehealth visits4
Access certified doctors, including pediatricians, licensed mental health therapists and dermatologists.

$0 telehealth visits

For information on year-round savings for GEHA dental members, visit Savings for GEHA dental members.

3 HDHP + HSA members can use their rewards on qualified dental and vision care expenses until they meet their deductible. Then, all eligible medical and pharmacy expenses qualify, too.

4 HDHP members who have met their deductible will be charged by MDLIVE, but GEHA will reimburse the member 100% of the plan allowance.

To open an HSA, you must meet IRS eligibility requirements. Contribution amounts are subject to IRS limits. Please see the plan brochure for more information.

This is a brief description of the features of the GEHA 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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Health questions: 1-800-821-6136

Dental questions: 1-877-434-2336

GEHA supplemental benefits are neither offered nor guaranteed under contract with the FEHB, but are made available to all enrollees and family members who become members of a GEHA medical plan. For information on year-round savings for GEHA dental members, visit Savings for GEHA dental members.

This is a brief description of the features of the GEHA HDHP medical plan. 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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