2020 medical plans

Benefits exclusively for federal employees and retirees


GEHA offers five medical plans that empower you to achieve the health you need to live the life you want. Each plan is designed to help you do your possible.

Whether you’re focused on wellness, saving for future health care needs, seeking a traditional benefit plan or looking for a complement to Medicare, GEHA has an option that is right for you.

All GEHA plans offer worldwide coverage and a mix of benefits. You can choose the plan that works for your budget and lifestyle.

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ElevateNEW
Elevate prioritizes your health with convenient access to care and a low premium.
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HDHP
Pairs a low premium with a lower-than-expected deductible. You pay only 5% coinsurance.
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Standard Option
With affordable premiums and traditional coverage, this medical plan provides dependable benefits.
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Elevate PlusNEW
Elevate Plus has no in-network deductible and copays for most common medical expenses. 
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High Option

A smart pick if you take brand-name prescription drugs and the plan of choice for Medicare enrollees.
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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.

  • Non-Postal biweekly
  • Postal biweekly – Category 1
  • Postal biweekly – Category 2
  • Monthly rate (retiree only)
  • Non-Postal biweekly
    $47.32 $108.84 $132.51
  • Postal biweekly – Category 1
    $45.43 $104.49 $127.21
  • Postal biweekly – Category 2
    $39.28 $90.34 $109.98
  • Monthly rate (retiree only)
    $102.53 $235.83 $287.10
  • Non-Postal biweekly
    $59.29 $127.48 $150.04
  • Postal biweekly – Category 1
    $56.92 $122.38 $144.04
  • Postal biweekly – Category 2
    $49.21 $105.81 $124.53
  • Monthly rate (retiree only)
    $128.46 $276.20 $325.09
  • Non-Postal biweekly
    $60.54 $130.18 $155.52
  • Postal biweekly – Category 1
    $58.12 $124.97 $149.30
  • Postal biweekly – Category 2
    $50.25 $108.05 $129.08
  • Monthly rate (retiree only)
    $131.18 $282.05 $336.96
  • Non-Postal biweekly
    $72.67 $170.27 $180.23
  • Postal biweekly – Category 1
    $69.77 $163.27 $173.02
  • Postal biweekly – Category 2
    $60.32 $142.26 $149.59
  • Monthly rate (retiree only)
    $157.46 $368.92 $390.49
  • Non-postal biweekly
    $105.42 $246.51 $304.39
  • Postal biweekly – Category 1
    $102.14 $239.51 $296.80
  • Postal biweekly – Category 2
    $92.32 $218.50 $274.04
  • Monthly rate (retiree only)
    $228.41 $534.11 $659.51

Category 1: Postal Category 1 rates apply to career bargaining unit employees who are represented by the following agreements: APWU, IT/AS, NALC, NPMHU, and NRLCA.

Category 2: Postal Category 2 rates apply to career bargaining unit employees who are represented by the following agreement: PPOA.

Savings in all medical plans^

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HEALTH REWARDS

Incentives for members who complete healthy activities.
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Vision Coverage

Get annual eye exams for $5 or less and discounts on eyewear.
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TEETH WHITENING

Save 20% as you whiten your teeth from the comfort of home.
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gym discounts

Access over 10,000 fitness centers nationwide for $25 a month (plus a $25 enrollment fee and taxes).
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hearing-aid discounts

Save 30% to 60% off the average retail price of hearing aids.
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MEDICAL ALERT SYSTEM

Get discounted emergency response services from Life Alert.
ELECTRIC TOOTHBRUSH DISCOUNT

All GEHA members can buy a premium toothbrush by cariPRO at a discounted price of $27.99 plus shipping and handling.

Find plan brochures for all of the FEHB plans at opm.gov.