FEHB Standard 2025
The family-friendly plan for those who want traditional coverage and affordable premiums
FEHB Standard plan highlights
- Low deductible and predictable copays for the services families use most
- Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
- Comprehensive, 100% maternity coverage, including five mental health visits per pregnancy, per year, and infertility coverage for artificial insemination
- $0 for one non-preventive PCP and two urgent care visits for children under 18
- For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits. Learn more about G.E.H.A and Medicare
Shopping for a Postal plan? View the 2025 PSHB Standard page
Shopping for 2024? View the 2024 Standard plan
2025 FEHB rates
Pay frequency
|
Self Only
|
Self Plus One
|
Self and Family
|
---|---|---|---|
Biweekly — employed
|
$80.32
|
$172.70
|
$214.30
|
Monthly — retired
|
$174.03
|
$374.18
|
$464.32
|
Pay frequency
|
Self Only
|
Self Plus One
|
Self and Family
|
|||||
---|---|---|---|---|---|---|---|---|
Pay frequency
Biweekly — employed
|
Self Only
$80.32
|
Self Plus One
$172.70
|
Self and Family
$214.30
|
Pay frequency
Monthly — retired
|
Self Only
$174.03
|
Self Plus One
$374.18
|
Self and Family
$464.32
|
- 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, immunizations and more |
$0
|
Primary care office visits
|
$20
|
Mental health office visits
|
$20
|
Specialist office visit
|
$35
|
MinuteClinic / Urgent care facility visit
|
$10/$30
|
Unlimited telehealth visits, including mental health, with MDLIVE
|
$0
|
Emergency room visit
|
20%1
|
Hospital care (outpatient / inpatient)
|
15%1 / 15%1
|
Lab services (QuestSelect benefit)
|
$0
|
Lab services (other than QuestSelect)
|
15%
|
X-Rays and other diagnostic services
|
15%1,2
|
Maternity; preventive & childbirth / delivery professional and facility services
|
$0
|
Chiropractic care (up to 20 visits per year)
|
$35
|
Acupuncture (up to 20 visits per year)
|
15%1
|
Preventive dental care, twice yearly
|
50%
|
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
$20
|
Deductible and out-of-pocket maximum
Network benefits3
|
Self Only
|
Self Plus One
|
Self and Family
|
---|---|---|---|
Yearly deductible (what you pay in-network)
|
$350
|
$700
|
$700
|
Out-of-pocket maximum4 (what you pay in-network)
|
$6,500
|
$13,000
|
$13,000
|
Network benefits3
|
Self Only
|
Self Plus One
|
Self and Family
|
|||||
---|---|---|---|---|---|---|---|---|
Network benefits3
Yearly deductible (what you pay in-network)
|
Self Only
$350
|
Self Plus One
$700
|
Self and Family
$700
|
Network benefits3
Out-of-pocket maximum4 (what you pay in-network)
|
Self Only
$6,500
|
Self Plus One
$13,000
|
Self and Family
$13,000
|
Prescription benefits
The table below summarizes your cost for prescription drugs with the Standard 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 Standard plan, use this handy check your drug costs tool.
Prescription benefit3,5
|
In-network
|
---|---|
30-day retail generic
|
$10
|
30-day retail preferred brand-name
|
40% ($250 max6)
|
30-day retail non-preferred brand-name
|
60% ($350 max6)
|
90-day mail service generic
|
$20
|
90-day mail service preferred brand-name
|
40% ($550 max6)
|
90-day mail service non-preferred brand-name
|
60% ($650 max6)
|
30-day specialty CVS exclusive generic
|
50% ($250 max)
|
30-day specialty CVS exclusive preferred brand-name
|
50% ($250 max6)
|
30-day specialty CVS exclusive non-preferred brand name
|
50% ($400 max6)
|
Prescription benefit3,5
|
In-network
|
|||
---|---|---|---|---|
Prescription benefit3,5
30-day retail generic
|
In-network
$10
|
Prescription benefit3,5
30-day retail preferred brand-name
|
In-network
40% ($250 max6)
|
Ready to enroll?
Whether it’s Standard or another G.E.H.A plan you’re considering, we can help.
Standard plan benefits that go beyond
Maternity support
Pregnancy, fertility, childbirth, mental health, breast pump discounts and more
Health Rewards
Up to two adults 18 and over can earn up to $250 each for healthy behaviors
Vision coverage7
Low-cost vision coverage with $5 annual eye exam from EyeMed®
Get help from a federal benefits expert.
Talk with a FedViser to help you choose the plan that works for you.
Monday–Friday (7 a.m.–7 p.m. Central time)
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1 Calendar year deductible applies.
2 Standard, you pay $250 ($100 professional fee, $150 facility fee) for advanced outpatient high tech imaging such as MRI, CT, PET, etc.
3 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.
4 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.
5 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
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.
7 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 Standard 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.
Let our benefits experts help you choose a G.E.H.A plan that can work for you.
7 a.m.–7 p.m. Central time
Monday–Friday
More ways to contact us
More ways to contact us
Health questions: 1-800-821-6136
Dental questions: 1-877-434-2336