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FEHB High 2025

The dependable plan for people who want peace of mind with maximum coverage

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FEHB High plan highlights

  • Comprehensive brand-name and specialty prescription drug coverage
  • Low copays for doctor visits, including primary care, mental health and specialists
  • Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
  • For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits
  • Medicare enrollees receive a $1,000 annual Medicare Part B premium reimbursement. Learn more about G.E.H.A and Medicare 

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

Shopping for 2024? View the 2024 High plan



2025 FEHB rates

Pay frequency
Self Only
Self Plus One
Self and Family
Biweekly — employed
$137.11
$307.42
$376.32
Monthly — retired
$297.07
$666.08
$815.36
Pay frequency
Self Only
Self Plus One
Self and Family
Pay frequency
Biweekly — employed
Self Only
$137.11
Self Plus One
$307.42
Self and Family
$376.32
Pay frequency
Monthly — retired
Self Only
$297.07
Self Plus One
$666.08
Self and Family
$815.36
  1. 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 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
$20
Mental health office visits
$20
Specialist office visit
$30
MinuteClinic / Urgent care facility visit
$10 / $30
Unlimited telehealth visits, including mental health, with MDLIVE
$0
Emergency room visit
15%1
Hospital care (outpatient / inpatient)
10%1 / $100 per admission plus 10%
Lab services
$0
X-Rays and other diagnostic services
10%1
Maternity; childbirth / delivery professional and facility services
$0
Chiropractic care (up to 20 visits per year)
$20
Acupuncture (up to 20 visits per year)
10%1
Preventive dental, twice yearly
Balance after G.E.H.A pays $22 per visit
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
$20

Deductible and out-of-pocket maximum

Network benefits2
Self Only
Self Plus One
Self and Family
Yearly deductible  (what you pay in-network)
$350
$700
$700
Out-of-pocket maximum3  (what you pay in-network)
$6,000
$12,000
$12,000
Network benefits2
Self Only
Self Plus One
Self and Family
Network benefits2
Yearly deductible  (what you pay in-network)
Self Only
$350
Self Plus One
$700
Self and Family
$700
Network benefits2
Out-of-pocket maximum3  (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 cost for prescription drugs with the High plan. For details on specialty drugs that are injected or infused, check the G.E.H.A 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 the High plan, use this handy check your drug costs tool.
Prescription benefit2,4
In-network
30-day retail generic
$105
30-day retail preferred brand-name
25% ($150 max5,6)
30-day retail non-preferred brand-name
40% ($200 max5,6)
90-day mail service generic
$20
90-day mail service preferred brand-name
25% ($350 max6)
90-day mail service non-preferred brand-name
40%  ($500 max6)
30-day specialty CVS exclusive generic
25%  ($150 max)
30-day specialty CVS exclusive preferred brand-name
25% ($150 max6)
30-day specialty CVS exclusive non-preferred brand-name
40% ($200 max6)
Prescription benefit2,4
In-network
Prescription benefit2,4
30-day retail generic
In-network
$105
Prescription benefit2,4
30-day retail preferred brand-name
In-network
25% ($150 max5,6)

Benefits that go beyond

Hearing aid support
Save with High’s $2,500 hearing aid benefit
Hearing aid discounts
Vision benefits7
Coverage and discounts for eye exams, frames, lenses and more
Vision coverage
Medicare + G.E.H.A
For annuitants, pairs well with Medicare, to give you more coverage for less
Medicare
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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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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 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.

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

5 Costs for initial prescription and first fill. You pay 50% for third and additional fills at retail for 30-day supply. For long-term prescriptions, use mail order or your local retail CVS Pharmacy store (90-day supply) for greater cost savings.

6 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.

7These 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 High medical plan. Before making a final decision, please read the Plan's Federal brochure RI 71-006. 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