Continuity of Care during the Government Shutdown. Learn more on our blog.

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.

FEHB Elevate Plus 2026

The conventional plan for proactive people who always stay in-network

FEHB Elevate Plus plan highlights

Predictable copays for primary care, specialists and other frequently used services
Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
Unlimited access to care when you need it with $0 copay telehealth (including mental health) from MDLIVE
Included vision discount at no additional cost⁸

Shopping for a Postal plan? View the 2026 PSHB overview page

Shopping for a 2025 plan? View the 2025 FEHB Elevate Plus page

Self Only	Self Plus One	Self and Family
Biweekly — employed	$205.13	$449.58	$496.12
Monthly — retired	$444.45	$974.09	$1,074.93

Pay frequency	Self Only	Self Plus One	Self and Family
	Pay frequency Biweekly — employed	Self Only $205.13	Self Plus One $449.58	Self and Family $496.12	Pay frequency Monthly — retired	Self Only $444.45	Self Plus One $974.09	Self and Family $1,074.93

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 benefit⁴	What you pay
	Preventive care Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more	$0
	Primary care office visits	$30
	Mental health office visits	$30
	Specialist office visit	$50
	MinuteClinic / Urgent care facility visit	$10 / $50
	Unlimited telehealth visits, including mental health, with MDLIVE	$0
	Emergency room visit	25%¹
	Hospital care; outpatient / inpatient (including maternity)	20%¹ / 20%¹
	Lab services	$0
	X-rays and other diagnostic services	$50²
	Maternity; childbirth / delivery professional services	$0
	Maternity; delivery and inpatient services	20%¹
	Chiropractic care (up to 15 visits per year)	$30
	Acupuncture (up to 20 visits per year)	$30

Medical benefit⁴	What you pay
	Medical benefit⁴ Preventive care Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more	What you pay $0	Medical benefit⁴ Primary care office visits	What you pay $30	Medical benefit⁴ Mental health office visits	What you pay $30	Medical benefit⁴ Specialist office visit	What you pay $50	Medical benefit⁴ MinuteClinic / Urgent care facility visit	What you pay $10 / $50	Medical benefit⁴ Unlimited telehealth visits, including mental health, with MDLIVE	What you pay $0	Medical benefit⁴ Emergency room visit	What you pay 25%¹	Medical benefit⁴ Hospital care; outpatient / inpatient (including maternity)	What you pay 20%¹ / 20%¹	Medical benefit⁴ Lab services	What you pay $0	Medical benefit⁴ X-rays and other diagnostic services	What you pay $50²	Medical benefit⁴ Maternity; childbirth / delivery professional services	What you pay $0	Medical benefit⁴ Maternity; delivery and inpatient services	What you pay 20%¹	Medical benefit⁴ Chiropractic care (up to 15 visits per year)	What you pay $30	Medical benefit⁴ Acupuncture (up to 20 visits per year)	What you pay $30

Self Only	Self Plus One	Self and Family
Yearly deductible (in-network)	$200	$400	$400
Out-of-pocket maximum (in-network)³	$7,000	$14,000	$14,000

Term	Self Only	Self Plus One	Self and Family
	Term Yearly deductible (in-network)	Self Only $200	Self Plus One $400	Self and Family $400	Term Out-of-pocket maximum (in-network)³	Self Only $7,000	Self Plus One $14,000	Self and Family $14,000

Prescription benefits

The table below summarizes your benefits (what you pay in-network) for prescription drugs with the Elevate Plus plan. To find drug costs, use this handy check drug costs tool.

This plan has a limited pharmacy network with no out-of-network coverage. 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^4,5,6	In-network
	30-day retail generic	$15
	30-day retail preferred brand-name	$100⁷
	30-day retail non-preferred brand-name	50%⁷
	90-day mail service generic	$20
	90-day mail service preferred brand-name	$200⁷
	90-day mail service non-preferred brand-name	50%⁷
	30-day specialty CVS exclusive generic	40% ($700 max)
	30-day specialty CVS exclusive preferred brand-name	40% ($700 max)⁷
	30-day specialty CVS exclusive non-preferred brand-name	50%⁷

Prescription benefit^4,5,6	In-network
	Prescription benefit^4,5,6 30-day retail generic	In-network $15	Prescription benefit^4,5,6 30-day retail preferred brand-name	In-network $100⁷	Prescription benefit^4,5,6 30-day retail non-preferred brand-name	In-network 50%⁷	Prescription benefit^4,5,6 90-day mail service generic	In-network $20	Prescription benefit^4,5,6 90-day mail service preferred brand-name	In-network $200⁷	Prescription benefit^4,5,6 90-day mail service non-preferred brand-name	In-network 50%⁷	Prescription benefit^4,5,6 30-day specialty CVS exclusive generic	In-network 40% ($700 max)	Prescription benefit^4,5,6 30-day specialty CVS exclusive preferred brand-name	In-network 40% ($700 max)⁷	Prescription benefit^4,5,6 30-day specialty CVS exclusive non-preferred brand-name	In-network 50%⁷

Elevate Plus benefits that go beyond

Vision discount⁸

Eye exams, frames, lenses and more

Vision discount

Unlimited $0 telehealth visits

Including mental health with MDLIVE

Online doctor visit

Low copays

Including primary care, mental health visits and some alternative care

Find Care

Ready to enroll?

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

Enroll now

Fedviser talking on headset in front of computer

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

Chat online with a FedViser

Chat now

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

1-800-821-6136

¹ Calendar year deductible applies.

² You pay a $175 copay for advanced outpatient high tech imaging. Refer to G.E.H.A's 2026 plan brochure RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure

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 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 This plan does not include out-of-network pharmacy coverage, and it has a limited pharmacy network. Find a pharmacy at geha.com/FindCare.

⁶ Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.

⁷ 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.

⁸ 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 Elevate Plus health plan. Before making a final decision, please read the Plan's Federal brochure RI 71-018. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

We reinvest every dollar to ensure our plans and member experience are second to none.

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.

Founded by Postal workers 88 years ago to protect the health and well-being of federal employees.

Our Customer Care team can be reached Monday through Friday from 8 a.m.–8 p.m. Eastern time.

Agency benefits professionals, this is your one-stop shop for Open Season support.

FEHB Elevate Plus 2026

FEHB Elevate Plus plan highlights

2026 FEHB Elevate Plus rates

Costs (what you pay in-network)

Deductible and out-of-pocket maximum

Prescription benefits