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FEHB Standard 2025

The family-friendly plan for those who want traditional coverage and affordable premiums

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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
  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, 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.
Enroll now

Standard plan benefits that go beyond

Maternity support
Pregnancy, fertility, childbirth, mental health, breast pump discounts and more
Maternity program
Health Rewards
Up to two adults 18 and over can earn up to $250 each for healthy behaviors
Health rewards
Vision coverage7
Low-cost vision coverage with $5 annual eye exam from EyeMed®
Vision coverage
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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 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.

















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