High 2025 for Postal workers
The dependable plan for people who want peace of mind with maximum coverage
High plan highlights
- Comprehensive brand-name and specialty prescription drug coverage
- Low copays for doctor visits, including primary care, mental health and specialists
- Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
- For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits
- Medicare enrollees receive a $1,000 annual Medicare Part B premium reimbursement. Learn more about G.E.H.A and Medicare
Not a Postal employee/retiree? View the 2025 FEHB High page
2025 PSHB rates
|
Pay frequency
|
Self Only
|
Self Plus One
|
Self and Family
|
|---|---|---|---|
|
Biweekly — employed
|
$128.19
|
$293.04
|
$365.22
|
|
Monthly — retired
|
$277.75
|
$634.92
|
$791.31
|
|
Pay frequency
|
Self Only
|
Self Plus One
|
Self and Family
|
|||||
|---|---|---|---|---|---|---|---|---|
|
Pay frequency
Biweekly — employed
|
Self Only
$128.19
|
Self Plus One
$293.04
|
Self and Family
$365.22
|
Pay frequency
Monthly — retired
|
Self Only
$277.75
|
Self Plus One
$634.92
|
Self and Family
$791.31
|
- These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the PSHB 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, well-child care, maternity care, immunizations and more |
$0
|
|
Primary care office visits
|
$20
|
|
Mental health office visits
|
$20
|
|
Specialist office visit
|
$30
|
|
MinuteClinic / Urgent care facility visit
|
$10 / $30
|
|
Unlimited telehealth visits, including mental health, with MDLIVE
|
$0
|
|
Emergency room visit
|
15%1
|
|
Hospital care (outpatient / inpatient)
|
10%1 / $100 per admission plus 10%
|
|
Lab services
|
$0
|
|
X-Rays and other diagnostic services
|
10%1
|
|
Maternity; childbirth / delivery professional and facility services |
$0
|
|
Chiropractic care (up to 20 visits per year)
|
$20
|
|
Acupuncture (up to 20 visits per year)
|
10%1
|
|
Preventive dental, twice yearly
|
Balance after G.E.H.A pays $22 per visit
|
|
Medical benefit
|
What you pay
|
|||
|---|---|---|---|---|
|
Medical benefit
Preventive care
Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more |
What you pay
$0
|
Medical benefit
Primary care office visits
|
What you pay
$20
|
Deductible and out-of-pocket maximum
|
Network benefits2
|
Self Only
|
Self Plus One
|
Self and Family
|
|---|---|---|---|
|
Yearly deductible (what you pay in-network)
|
$350
|
$700
|
$700
|
|
Out-of-pocket maximum3 (what you pay in-network)
|
$6,000
|
$12,000
|
$12,000
|
|
Network benefits2
|
Self Only
|
Self Plus One
|
Self and Family
|
|||||
|---|---|---|---|---|---|---|---|---|
|
Network benefits2
Yearly deductible (what you pay in-network)
|
Self Only
$350
|
Self Plus One
$700
|
Self and Family
$700
|
Network benefits2
Out-of-pocket maximum3 (what you pay in-network)
|
Self Only
$6,000
|
Self Plus One
$12,000
|
Self and Family
$12,000
|
Prescription benefits
The table below summarizes your cost for prescription drugs with the High plan. For details on specialty drugs that are injected or infused, check the G.E.H.A 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 the Elevate Plus plan, use this handy check your drug costs tool.
|
Prescription benefit 3,4
|
In-network
|
|---|---|
|
30-day retail generic
|
$105
|
|
30-day retail preferred brand-name
|
25% ($150 max5.6)
|
|
30-day retail non-preferred brand-name
|
40% ($200 max5,6)
|
|
90-day mail service generic
|
$20
|
|
90-day mail service preferred brand-name
|
25% ($350 max6)
|
|
90-day mail service non-preferred brand-name
|
40% ($500 max6)
|
|
30-day specialty CVS exclusive generic and preferred brand-name
|
25% ($150 max)
|
|
30-day specialty CVS exclusive preferred brand-name
|
25% ($200 max4)
|
|
Prescription benefit 3,4
|
In-network
|
|||
|---|---|---|---|---|
|
Prescription benefit 3,4
30-day retail generic
|
In-network
$105
|
Prescription benefit 3,4
30-day retail preferred brand-name
|
In-network
25% ($150 max5.6)
|
Benefits that go beyond
Hearing aid support
Save with High’s $2,500 hearing aid benefit
Vision benefits7
Coverage and discounts for eye exams, frames, lenses and more
Medicare + G.E.H.A
For annuitants, pairs well with Medicare, to give you more coverage for less
Ready to enroll?
Whether it’s High 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 Calendar year deductible applies.
2 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.
3 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.
4 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
5 Costs for initial prescription and first fill. You pay 50% for third and additional fills at retail for 30-day supply. For long-term prescriptions, use mail order or your local retail CVS Pharmacy store (90-day supply) for greater cost savings.
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 PSHB 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 medical plan. Before making a final decision, please read the Plan's Federal brochure RI 71-021. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.
Visual representations do not imply endorsement by any government agency or department.
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
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Health questions: 1-800-821-6136
Dental questions: 1-877-434-2336