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FEHB Elevate 2025

The affordable plan for people focused on essential coverage and extra wellness rewards

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FEHB Elevate plan highlights

  • Our lowest premium plan to keep more dollars in your pocket each month
  • Low copays on the services you use most — primary care and specialist visit and generic prescription drugs
  • Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
  • $10 copays for in-office mental health visits
  • Unlimited access to care when you need it with $0 copay telehealth from MDLIVE
  • Low copays on chiropractic and acupuncture services
  • Choose one exclusive annual Plan Perk, such as a REI or DICK’S Sporting Goods gift card or a 12-month Daily Burn virtual fitness subscription to support a healthy lifestyle.*

*These products and services are neither offered nor guaranteed under contract with the FEHB Program but are made available to eligible Subscribers who become members of the G.E.H.A Elevate medical plan. Only Subscribers in the 50 United States and the District of Columbia are eligible at this time.

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

Shopping for 2024? View the 2024 Elevate plan


2025 FEHB rates

Pay frequency
Self Only
Self Plus One
Self and Family
Biweekly — employed
$57.83
$139.51
$169.84
Monthly — retired
$125.29
$302.27
$367.98
Pay frequency
Self Only
Self Plus One
Self and Family
Pay frequency
Biweekly — employed
Self Only
$57.83
Self Plus One
$139.51
Self and Family
$169.84
Pay frequency
Monthly — retired
Self Only
$125.29
Self Plus One
$302.27
Self and Family
$367.98

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 G.E.H.A Plan Brochure.
Medical benefit
What you pay
Preventive care
Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more
$0
Primary care office visits
$10
Mental health office visits
$10
Specialist office visit
$30
MinuteClinic / Urgent care facility visit
$10 / $50
Unlimited telehealth visits, including mental health, with   MDLIVE
$0
Emergency room visit
25%1
Hospital care; inpatient and outpatient (including maternity)
25%1 / 25%1
Lab services
25%1
X-Rays and other diagnostic services
25%1
Chiropractic care (up to 12 visits per year)
$10
Acupuncture (up to 20 visits per year)
$10
Medical benefit
What you pay
Medical benefit
Preventive care
Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more
What you pay
$0
Medical benefit
Primary care office visits
What you pay
$10

Prescription benefits

The table below summarizes your cost for prescription drugs with the Elevate plan. This plan has no out-of-network pharmacy coverage. For details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.

To find drug costs with the Elevate plan, use this handy check your drug costs tool.
Prescription benefit2,3,4
In-network
30-day retail generic
$4
30-day retail preferred brand-name
50% ($500 max)
30-day retail non-preferred brand-name
100%
30-day specialty CVS exclusive generic and preferred brand-name
50% ($500 max)
30-day specialty CVS exclusive non-preferred brand-name
100%
Prescription benefit2,3,4
In-network
Prescription benefit2,3,4
30-day retail generic
In-network
$4
Prescription benefit2,3,4
30-day retail preferred brand-name
In-network
50% ($500 max)

Deductible and out-of-pocket maximum

Network benefits
Self Only
Self Plus One
Self and Family
Yearly deductible  (what you pay in-network)
$500
$1,000
$1,000
Out-of-pocket maximum5  (what you pay in-network)
$8,500
$17,000
$17,000
Network benefits
Self Only
Self Plus One
Self and Family
Network benefits
Yearly deductible  (what you pay in-network)
Self Only
$500
Self Plus One
$1,000
Self and Family
$1,000
Network benefits
Out-of-pocket maximum5  (what you pay in-network)
Self Only
$8,500
Self Plus One
$17,000
Self and Family
$17,000

Elevate benefits that go beyond

Vision benefits6

Eye exams, frames, lenses and more

Vision coverage
Unlimited $0 telehealth visits
Including mental health with MDLIVE

Online doctor visit
Low or no copays

Including primary care, mental health visits and some alternative care
Find Care

Ready to enroll?

Whether it’s Elevate 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

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

1 Calendar year deductible applies.

2 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.

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

4 This plan does not include mail-order prescriptions or out-of-network pharmacy coverage, it has a limited pharmacy network. Find a pharmacy at geha.com/Find-Care.

5 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.

6 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 medical plan and their eligible family members.

This is a brief description of the features of the G.E.H.A Elevate medical plan. Before making a final decision, please read the Plan's Federal brochure RI 71-018. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Need help choosing a plan?

Let our benefits experts help you choose a G.E.H.A plan that can work for you.

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


Call now 1-833-973-GEHALive chat
More ways to contact us
Schedule a benefits session
Current G.E.H.A member needing help?

Health questions: 1-800-821-6136

Dental questions: 1-877-434-2336