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.

HDHP 2023

Most popular HDHP for federal employees

View the 2022 HDHP Plan

Highlights:

  • Low premiums with a lower net deductible than many traditional FEHB plans
  • Reduce out-of-pocket expenses and enjoy a triple tax advantage with a health savings account (HSA)^
  • GEHA puts money in your HSA. Use your HSA money to reduce your net deductible or save it and let it grow tax-free^

How this plan pays you back:

  • GEHA contributes $900 (Self Only) or $1,800 (Self Plus One or Self and Family) to your HSA
  • Earn up to $250 (maximum $500 per household) per year in Health Rewards
^Investment products are not FDIC insured, are not a deposit or other obligation of or guaranteed by HSA Bank, and are subject to investment risks. The information provided is for informational purposes only. It should not be considered legal or financial advice. You should consult with a professional to determine what may be best for your individual needs.

2023 HDHP rates


Self Only Self Plus One Self and Family
Biweekly — employed $69.37 $149.15 $183.28
Monthly — retired $150.30 $323.15 $397.11


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 GEHA Plan Brochure.

What you pay
Unlimited telehealth visits, including mental health, with MDLIVE $01,2
Maternity; routine care 0%1
Maternity; inpatient care 0%1
Preventive care; adult routine screenings $0
Well-child visit; up to age 22 $0
Preventive dental care, twice yearly $0
Vision coverage; eye exam and additional benefits $5
Primary physician office visit 5%1
Mental health office visit 5%1
Specialist care office visit 5%1
Urgent care facility 5%1
ER visit 5%1
Hospital care; inpatient and outpatient 5%1
MinuteClinic (where available) 5%1
Lab services 5%1
Other diagnostic services 5%1
Professional surgical services 5%1
Chiropractic care (manipulative therapy), including X-rays; up to 20 visits per year 5%1
Acupuncture; up to 20 treatments per year 5%1

Deductible and out-of-pocket max (in-network)


Self Only Self Plus One Self and Family
Yearly deductible (what you pay in-network) $1,500 $3,000 $3,000
Out-of-pocket-max (what you pay in-network) $5,000 $10,000 $10,000
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.

Prescription benefits

The table below summarizes your cost for prescription drugs with GEHA’s HDHP. For details on specialty drugs that are injected or infused, check the GEHA 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 HDHP, use this handy check your drug costs tool.

What you pay in-network
30-day retail generic 25% of plan allowance, after deductible*
30-day retail preferred brand-name 25% of plan allowance, after deductible*¤
30-day non-preferred brand-name 40% of plan allowance, after deductible*¤
90-day mail service generic 25% of plan allowance, after deductible*
90-day mail service preferred brand-name 25% of plan allowance, after deductible*¤
90-day mail service non-preferred brand-name 40% of plan allowance, after deductible*¤
30-day specialty CVS exclusive generic and preferred brand-name 25% of plan allowance, after deductible*¤
30-day specialty CVS exclusive non-preferred brand-name 40% of plan allowance, after deductible*¤

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


cover image for the 2023 geha medical benefits guide

2023 Medical Benefits Guide


Review this guide with all our plans, including rates, costs, extra services, and side-by-side comparisons


Highlights that are special to HDHP

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.
Health Rewards3

Up to $250 in incentives for HDHP members who complete simple and convenient health screenings.
$0 telehealth visits4

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

Ready to enroll?

 
You've thought about it, and are ready to commit. What's next?
Let's explain the process.

How to enroll

Our Benefits Advisers are available Mon. – Fri. from 7 a.m. – 7 p.m. Central time and are ready to answer your questions.
Are you a current GEHA member?
Medical questions: 800.821.6136
Dental questions: 877.434.2336