You are using a browser we no longer support. Current functionality may be reduced and some features may not work properly. For a more optimal geha.com experience, please click here for a list of supported browsers.

FEHB Standard 2027

The family-friendly plan for those who want strong coverage and affordable copays

Enroll now
Learn more about Standard
Plan highlights
  • Low deductible and predictable copays for the services families use most
  • 100% maternity physician coverage for your growing family, including doula services, preconception program and maternal mental health visits with an in-network provider
  • For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits
  • Get access to the new G.E.H.A member discount program with discounts on travel, fitness, personal care, groceries, electronics, childcare, senior care and more1

Shopping for 2026? View the 2026 FEHB Standard page

Shopping tools

Provider search

Find a provider

Drug cost finder

Check drug costs

Plan compare

Compare plans
Plan resources
As a member-founded nonprofit association, our dollars are reinvested in additional benefits1 and services exclusively for our members. Find out what’s new for 2027 health plans.
Download guideView Plan Brochures and benefits guides

2027 FEHB Standard rates

2027 FEHB Standard rates
Pay frequency
Self Only | CODE 314 
Self Plus One | CODE 316
Self and Family | CODE 315 
Biweekly — employed
$86.75
$186.51
$231.45
Monthly — retired
$187.95
$404.11
$501.47
2027 FEHB Standard rates
Pay frequency
Self Only | CODE 314 
Self Plus One | CODE 316
Self and Family | CODE 315 
Pay frequency
Biweekly — employed
Self Only | CODE 314 
$86.75
Self Plus One | CODE 316
$186.51
Self and Family | CODE 315 
$231.45
Pay frequency
Monthly — retired
Self Only | CODE 314 
$187.95
Self Plus One | CODE 316
$404.11
Self and Family | CODE 315 
$501.47
  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.
Costs (what you pay in-network)
Network benefits2
You pay
Yearly deductible (in-network)
$500 for Self Only
$1,000 for Self Plus One or Self and Family
Out‑of‑pocket maximum3 (in-network)
$8,000 for Self Only
$16,000 for Self Plus One or Self and Family
Preventive care 
Annual physical exam, routine screenings, immunizations and more
$0
Primary care office visits
$35
Mental health office visits
$35
Specialist office visit
$50
MinuteClinic® / Urgent care facility visit
$15 / $50
Unlimited telehealth visits, including mental health
$0
Emergency room visit
35%4
Hospital care; outpatient / inpatient
25% 4 /  25%4
Lab services (QuestSelect benefit)
$0
Lab services (other than QuestSelect)
25%4
X-rays and other diagnostic services
25%4,5
Maternity inpatient
25%4
Maternity; childbirth delivery professional  services
$0
Chiropractic care (up to 20 visits per year)
$35
Acupuncture (up to 20 visits per year)
25%4
Preventive dental care, twice yearly
50%
Costs (what you pay in-network)
Network benefits2
You pay
Network benefits2
Yearly deductible (in-network)
You pay
$500 for Self Only
$1,000 for Self Plus One or Self and Family
Network benefits2
Out‑of‑pocket maximum3 (in-network)
You pay
$8,000 for Self Only
$16,000 for Self Plus One or Self and Family
Network benefits2
Preventive care 
Annual physical exam, routine screenings, immunizations and more
You pay
$0
Network benefits2
Primary care office visits
You pay
$35
Network benefits2
Mental health office visits
You pay
$35
Network benefits2
Specialist office visit
You pay
$50
Network benefits2
MinuteClinic® / Urgent care facility visit
You pay
$15 / $50
Network benefits2
Unlimited telehealth visits, including mental health
You pay
$0
Network benefits2
Emergency room visit
You pay
35%4
Network benefits2
Hospital care; outpatient / inpatient
You pay
25% 4 /  25%4
Network benefits2
Lab services (QuestSelect benefit)
You pay
$0
Network benefits2
Lab services (other than QuestSelect)
You pay
25%4
Network benefits2
X-rays and other diagnostic services
You pay
25%4,5
Network benefits2
Maternity inpatient
You pay
25%4
Network benefits2
Maternity; childbirth delivery professional  services
You pay
$0
Network benefits2
Chiropractic care (up to 20 visits per year)
You pay
$35
Network benefits2
Acupuncture (up to 20 visits per year)
You pay
25%4
Network benefits2
Preventive dental care, twice yearly
You pay
50%

Prescription costs

(what you pay in-network)

Go to caremark.com to find a pharmacy near you or access drug costs, specialty drug lists and additional details about your prescriptions.

For out-of-network benefits and details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.
Prescription benefits
Prescription drug benefits2,6
Retail (30-day)
Mail service (90-day)
Specialty CVS exclusive (30-day)
Generic
$10
$25
50% ($450 max)
Preferred brand-name
40%  ($350 max)7
40%  ($700 max)7
50%  ($450 max)7
Non-preferred brand-name
60%  ($550 max)7
60%  ($1,100 max)7
50%  ($600 max)7
Prescription benefits
Prescription drug benefits2,6
Retail (30-day)
Mail service (90-day)
Specialty CVS exclusive (30-day)
Prescription drug benefits2,6
Generic
Retail (30-day)
$10
Mail service (90-day)
$25
Specialty CVS exclusive (30-day)
50% ($450 max)
Prescription drug benefits2,6
Preferred brand-name
Retail (30-day)
40%  ($350 max)7
Mail service (90-day)
40%  ($700 max)7
Specialty CVS exclusive (30-day)
50%  ($450 max)7
Prescription drug benefits2,6
Non-preferred brand-name
Retail (30-day)
60%  ($550 max)7
Mail service (90-day)
60%  ($1,100 max)7
Specialty CVS exclusive (30-day)
50%  ($600 max)7

Standard benefits that go beyond

Enhanced member discounts1

Access member discounts on travel, fitness, personal care, groceries, childcare and more
Member discount program

Health Rewards

Get rewarded for engaging in healthy behaviors

Health Rewards

Vision discount1

Eye exams, frames, lenses and more


Vision discount

Ready to enroll?

Whether it’s Standard or another G.E.H.A plan you’re considering, we can help.
Enroll in health plan
Fedviser talking on headset in front of computer

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 8 a.m.–8 p.m. ET
Live chat: Available 8 a.m.–7 p.m. ET

1-833-973-4342 Schedule a benefits session

More ways to connect

Chat online with a FedViser

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

1 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 health plan and their eligible family members.

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 Calendar year deductible applies.

5 Standard, you pay a $250 copay for advanced outpatient high tech imaging such as MRI, CT, PET, etc.

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

7 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.

This is a brief description of the features of the G.E.H.A Standard health 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.

Monday–Friday
By phone: Available 8 a.m.–8 p.m. ET
Live chat: Available 8 a.m.–7 p.m. ET

Call now 1-833-973-4342Schedule a benefits session

More ways to contact us
Live chat
Current G.E.H.A member needing help?

Health questions: 1-800-821-6136

Dental questions: 1-877-434-2336