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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, for treatment of prenatal and postpartum depression with an in-network provider.
$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

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.

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	Medical benefit Mental health office visits	What you pay $20	Medical benefit Specialist office visit	What you pay $35	Medical benefit MinuteClinic / Urgent care facility visit	What you pay $10/$30	Medical benefit Unlimited telehealth visits, including mental health, with MDLIVE	What you pay $0	Medical benefit Emergency room visit	What you pay 20%¹	Medical benefit Hospital care (outpatient / inpatient)	What you pay 15%¹ / 15%¹	Medical benefit Lab services (QuestSelect benefit)	What you pay $0	Medical benefit Lab services (other than QuestSelect)	What you pay 15%	Medical benefit X-rays and other diagnostic services	What you pay 15%^1,2	Medical benefit Maternity; preventive & childbirth / delivery professional and facility services	What you pay $0	Medical benefit Chiropractic care (up to 20 visits per year)	What you pay $35	Medical benefit Acupuncture (up to 20 visits per year)	What you pay 15%¹	Medical benefit Preventive dental care, twice yearly	What you pay 50%

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 benefits for prescription drugs with the Standard plan. To find drug costs, use this handy check your drug costs tool.

Prescriptions can be filled at a broad selection of in-network pharmacies nationwide. To find a pharmacy near you, go to caremark.com.

For details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.

Prescription benefit^3,5	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 benefit^3,5	In-network
	Prescription benefit^3,5 30-day retail generic	In-network $10	Prescription benefit^3,5 30-day retail preferred brand-name	In-network 40% ($250 max⁶)	Prescription benefit^3,5 30-day retail non-preferred brand-name	In-network 60% ($350 max⁶)	Prescription benefit^3,5 90-day mail service generic	In-network $20	Prescription benefit^3,5 90-day mail service preferred brand-name	In-network 40% ($550 max⁶)	Prescription benefit^3,5 90-day mail service non-preferred brand-name	In-network 60% ($650 max⁶)	Prescription benefit^3,5 30-day specialty CVS exclusive generic	In-network 50% ($250 max)	Prescription benefit^3,5 30-day specialty CVS exclusive preferred brand-name	In-network 50% ($250 max⁶)	Prescription benefit^3,5 30-day specialty CVS exclusive non-preferred brand name	In-network 50% ($400 max⁶)

Ready to enroll?

Whether it’s Standard or another G.E.H.A plan you’re considering, we can help.

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Standard benefits that go beyond

Maternity support

Pregnancy, fertility, childbirth, mental health, breast pump discounts and more

Maternity program

Health Rewards

Get rewarded for engaging in healthy behaviors

Health rewards

Vision benefit⁷

Low-cost vision coverage with $5 annual eye exam from EyeMed®

Vision benefit

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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 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

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

1-800-821-6136

¹ Calendar year deductible applies.

² Standard, you pay a $250 copay 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 health plan and their eligible family members

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.

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G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

We're the benefits provider of choice for 2+ million federal employees, retirees and their families.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

We offer two comprehensive dental plans with the right coverage for every stage of life.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Both G.E.H.A dental plans include no in-network deductibles with over 450,000 provider locations nationwide.

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FEHB Standard 2025

FEHB Standard plan highlights

2025 FEHB rates

Costs (what you pay in-network)

Deductible and out-of-pocket maximum

Prescription benefits

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