FEHB HDHP 2025
The plan for smart savers who need coverage for today while planning for tomorrow.
FEHB HDHP plan highlights
- The most popular high deductible health plan (HDHP) for federal employees
- Get up to $2,000 from G.E.H.A into a health savings account1 (HSA) to use or qualified health care expenses now or in the future
- Contribute your own dollars to the account tax-free and lower your yearly taxable income
- Choose to invest your HSA savings and watch it grow tax-free as your money carries over year-to-year1
- New HDHP members earn $80 when they open an HSA account with the G.E.H.A HDHP plan1
- Pay no more than 5% out-of-pocket on all medical services after deductible
Shopping for a Postal plan? View the 2025 PSHB HDHP page
Shopping for 2024? View the 2024 HDHP plan
2025 FEHB rates
|
Pay frequency
|
Self Only
|
Self Plus One
|
Self and Family
|
|---|---|---|---|
|
Biweekly — employed
|
$76.27
|
$163.99
|
$201.52
|
|
Monthly — retired
|
$165.26
|
$355.31
|
$436.63
|
|
Pay frequency
|
Self Only
|
Self Plus One
|
Self and Family
|
|||||
|---|---|---|---|---|---|---|---|---|
|
Pay frequency
Biweekly — employed
|
Self Only
$76.27
|
Self Plus One
$163.99
|
Self and Family
$201.52
|
Pay frequency
Monthly — retired
|
Self Only
$165.26
|
Self Plus One
$355.31
|
Self and Family
$436.63
|
- 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.
|
Medical benefit
|
What you pay
|
|---|---|
|
Preventive care
Annual physical exam, routine screenings, immunizations and more |
$0
|
|
Primary care office visits
|
5%2
|
|
Mental health office visits
|
5%2
|
|
Specialist office visit
|
5%2
|
|
MinuteClinic / Urgent care facility visit
|
5%2 / 5%2
|
|
Unlimited telehealth visits, including mental health, with MDLIVE
|
$02,3
|
|
Emergency room visit
|
5%2
|
|
Hospital care; inpatient and outpatient
|
5%2 / 5%2
|
|
Lab services
|
5%2
|
|
X-Rays and other diagnostic services
|
5%2
|
|
Maternity; preventive & childbirth / delivery professional and facility services
|
$02
|
|
Chiropractic care (up to 20 visits per year)
|
5%2
|
|
Acupuncture (up to 20 visits per year)
|
5%2
|
|
Preventive dental care, twice yearly
|
$0
|
|
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
5%2
|
Deductible and out-of-pocket maximum
|
Network benefits4
|
Self Only
|
Self Plus One
|
Self and Family
|
|---|---|---|---|
|
Yearly deductible
(what you pay in-network) |
$1,650;
G.E.H.A HSA contribution of $1,000; You pay $6505 |
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005 |
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005 |
|
Out-of-pocket maximum6
(what you pay in-network) |
$6,000
|
$12,000
|
$12,000
|
|
Network benefits4
|
Self Only
|
Self Plus One
|
Self and Family
|
|||||
|---|---|---|---|---|---|---|---|---|
|
Network benefits4
Yearly deductible
(what you pay in-network) |
Self Only
$1,650;
G.E.H.A HSA contribution of $1,000; You pay $6505 |
Self Plus One
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005 |
Self and Family
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005 |
Network benefits4
Out-of-pocket maximum6
(what you pay in-network) |
Self Only
$6,000
|
Self Plus One
$12,000
|
Self and Family
$12,000
|
Prescription benefits
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 the HDHP plan, use this handy check your drug costs tool.
|
Prescription benefit2,4,7
|
In-network
|
|---|---|
|
30-day retail generic
|
25%
|
|
30-day retail preferred brand-name
|
25%8
|
|
30-day retail non-preferred brand-name
|
40%8
|
|
90-day mail service generic
|
25%
|
|
90-day mail service preferred brand-name
|
25%8
|
|
90-day mail service non-preferred brand-name
|
40%8
|
|
30-day specialty CVS exclusive generic
|
25%
|
|
30-day specialty CVS exclusive preferred brand-name
|
25%8
|
|
30-day specialty CVS exclusive non-preferred brand-name
|
40%8
|
|
Prescription benefit2,4,7
|
In-network
|
|||
|---|---|---|---|---|
|
Prescription benefit2,4,7
30-day retail generic
|
In-network
25%
|
Prescription benefit2,4,7
30-day retail preferred brand-name
|
In-network
25%8
|
HDHP benefits that go beyond
Vision benefits9
G.E.H.A’s most comprehensive benefits for eye exams, frames, and lenses — especially in-network
Health Rewards
Members get money back for completing simple and convenient health screenings
The power of the HSA
Take G.E.H.A's contributions, decide what you'll contribute and use the proceeds tax-free for all qualifying medical expenses
Ready to enroll?
Whether it’s HDHP or another G.E.H.A plan you’re considering, we can help.
Get help from a federal benefits expert.
Talk with a FedViser to help you choose the plan that works for you.
Monday–Friday (7 a.m.–7 p.m. Central time)
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1 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.
2 Calendar year deductible applies
3 HDHP members who have met their deductible will be charged by MDLIVE, but G.E.H.A will reimburse the member 100% of the plan allowance.
4 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.
5 The net deductible is the remaining amount after you subtract the annual G.E.H.A contribution from the annual deductible. This is your out-of-pocket cost before plan benefits begin.
6 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.
7 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
8 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.
9 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 medical plan and their eligible family members
This is a brief description of the features of the G.E.H.A High Deductible Health Plan (HDHP). Before making a final decision, please read the Plan’s Federal brochure RI 71-014. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.
Let our benefits experts help you choose a G.E.H.A plan that can work for you.
7 a.m.–7 p.m. Central time
Monday–Friday
More ways to contact us
More ways to contact us
Health questions: 1-800-821-6136
Dental questions: 1-877-434-2336