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Low premiums paired with a health savings account.

HDHP 2021

View the 2022 HDHP

A lower-than-expected deductible. Low premiums. GEHA contributes to an HSA.

Why you might like the HDHP:

  • GEHA contributes $900 (Self Only) or $1,800 (Self Plus One or Self and Family) to your HSA, which can reduce the yearly net deductible to $600 or $1,200, respectively.
  • Reduce your out-of-pocket expenses with a health savings account (HSA).
  • You pay only 5% of medical services after your deductible is met.
  • Includes a complete vision benefit along with $0 in-network preventive dental benefits, all with no deductible.

2021 rates

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.


Self Only Self Plus One Self and Family
Non-Postal biweekly $61.37 $131.94 $159.04
Postal biweekly – Category 1 $58.91 $126.66 $152.68
Postal biweekly – Category 2 $50.94 $109.51 $132.01
Retirees monthly $132.96 $285.87 $344.60


Costs for services in 2021

The table below summarizes your in-network cost for medical benefits with GEHA's HDHP. 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, refer to the GEHA Plan Brochure.

What you pay in-network
Unlimited telehealth visits with MDLIVE $01,2
Preventive care; adult routine screenings $0
Well-child visit; up to age 22 $0
Maternity, routine care 0%1
MinuteClinic (where available) 5%1
Primary physician office visit 5%1
Specialist care; office visit 5%1
Urgent care 5%1
Emergency care 5%1
Hospital care; inpatient and outpatient 5%1
Professional surgical services 5%1
Lab services 5%1
Other diagnostic services 5%1
Chiropractic care (spinal manipulation therapy) Balance after GEHA pays $20 per visit, up to 20 visits per year1
Chiropractic X-rays Balance after GEHA pays $25 per year1
Preventive dental care, twice yearly $0, no deductible
Acupuncture; up to 20 treatments per year 5%1

Out-of-pocket max & yearly deductible


Self Only Self Plus One Self and Family
Out-of-pocket-max (what you pay in-network) $5,000 $10,000 $10,000
Yearly deductible (what you pay in-network) $1,500 $3,000 $3,000
GEHA’s contribution $900 $1,800 $1,800
Net deductible1 $600 $1,200 $1,200

1Net deductible: This is the remaining amount after you subtract the annual GEHA contribution from the annual deductible. This is your out-of-pocket cost before plan benefits begin.


Prescriptions

The table below summarizes your cost for prescription drugs with GEHA’s HDHP. For complete benefit information, including details on specialty drugs that are injected or infused, refer to the GEHA Plan Brochure.

For added convenience and management of medications, your GEHA prescription benefits include access to presorted multi-dose packets. Presorted packets can be delivered to your home or, if available, picked up at a retail location.

To find a drug cost based on your benefit plan and prescription dosage, check your drug costs.

Retail pharmacy – 30-day supply


What you pay in-network What you pay out-of-network
Generic and preferred brand-name medication 25% of plan allowance, after deductible*¤ 25% of plan allowance, after plan deductible,* plus difference between GEHA allowance and the cost of the drug¤
Non-preferred brand-name medication 40% of plan allowance, after deductible*¤ 40% of plan allowance, after plan deductible,* plus difference between GEHA allowance and the cost of the drug¤

Mail service pharmacy – 90-day supply


What you pay in-network What you pay out-of-network
Generic or preferred brand-name medication 25% of plan allowance, after deductible*¤ No benefit
Non-preferred brand-name medication 40% of plan allowance, after deductible*¤ No benefit

Videos: How an HSA or an HRA works with an HDHP


Key plan features

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VISION BENEFITS

The HDHP is GEHA's only plan that includes generous vision benefits for eye exams, frames and lenses, especially if you stay in-network.
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HEALTH REWARDS

Up to $250 in incentives for HDHP members who complete simple and convenient health screenings.
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$0 TELEHEALTH VISITS

Access certified doctors, including pediatricians, licensed behavioral health therapists and dermatologists.