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FEHB High 2026

The dependable plan for people who want peace of mind with maximum coverage

FEHB High plan highlights

Comprehensive brand-name and specialty prescription drug coverage
Low copays for doctor visits
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 for Medicare covered services, excluding prescription benefits
Medicare enrollees receive a $1,000 annual Medicare Part B premium reimbursement. Learn more about G.E.H.A and Medicare
Included vision discount at no additional cost⁷

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

Shopping for a 2025 plan? View the 2025 FEHB High page

Self Only	Self Plus One	Self and Family
Biweekly — employed	$195.29	$432.95	$525.18
Monthly — retired	$423.13	$938.06	$1,137.89

Pay frequency	Self Only	Self Plus One	Self and Family
	Pay frequency Biweekly — employed	Self Only $195.29	Self Plus One $432.95	Self and Family $525.18	Pay frequency Monthly — retired	Self Only $423.13	Self Plus One $938.06	Self and Family $1,137.89

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, well-child care, maternity care, immunizations and more	$0
	Primary care office visits	$30
	Mental health office visits	$30
	Specialist office visit	$45
	MinuteClinic / Urgent care facility visit	$15 / $45
	Unlimited telehealth visits, including mental health, with MDLIVE	$0
	Emergency room visit	30%¹
	Hospital care; outpatient / inpatient	20%¹ / $200 per day (up to 5 days) plus 20%
	Lab services	$10
	X-rays and other diagnostic services	20%¹
	Maternity; delivery and inpatient services	$200 per day (up to 5 days) plus 20%
	Maternity; childbirth / delivery professional services	$0
	Chiropractic care (up to 20 visits per year)	$30
	Acupuncture (up to 20 visits per year)	20%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 $30	Medical benefit Mental health office visits	What you pay $30	Medical benefit Specialist office visit	What you pay $45	Medical benefit MinuteClinic / Urgent care facility visit	What you pay $15 / $45	Medical benefit Unlimited telehealth visits, including mental health, with MDLIVE	What you pay $0	Medical benefit Emergency room visit	What you pay 30%¹	Medical benefit Hospital care; outpatient / inpatient	What you pay 20%¹ / $200 per day (up to 5 days) plus 20%	Medical benefit Lab services	What you pay $10	Medical benefit X-rays and other diagnostic services	What you pay 20%¹	Medical benefit Maternity; delivery and inpatient services	What you pay $200 per day (up to 5 days) plus 20%	Medical benefit Maternity; childbirth / delivery professional services	What you pay $0	Medical benefit Chiropractic care (up to 20 visits per year)	What you pay $30	Medical benefit Acupuncture (up to 20 visits per year)	What you pay 20%¹	Medical benefit Preventive dental, twice yearly	What you pay Balance after G.E.H.A pays $22 per visit

Network benefits²	Self Only	Self Plus One	Self and Family
	Yearly deductible (in-network)	$500	$1,000	$1,000
	Out-of-pocket maximum³ (in-network)	$7,500	$15,000	$15,000

Network benefits²	Self Only	Self Plus One	Self and Family
	Network benefits² Yearly deductible (in-network)	Self Only $500	Self Plus One $1,000	Self and Family $1,000	Network benefits² Out-of-pocket maximum³ (in-network)	Self Only $7,500	Self Plus One $15,000	Self and Family $15,000

Prescription benefits

The table below summarizes your benefits (what you pay in-network) for prescription drugs with the High plan. To find drug costs, use this handy check 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^2,4	In-network
	30-day retail generic	$10⁵
	30-day retail preferred brand-name	25% ($250 max)^5,6
	30-day retail non-preferred brand-name	40% ($400 max)^5,6
	90-day mail service generic	$25
	90-day mail service preferred brand-name	25% ($500 max)⁶
	90-day mail service non-preferred brand-name	40% ($800 max)⁶
	30-day specialty CVS exclusive generic	25% ($350 max)
	30-day specialty CVS exclusive preferred brand-name	25% ($350 max)⁶
	30-day specialty CVS exclusive non-preferred brand-name	40% ($400 max)⁶

Prescription benefit^2,4	In-network
	Prescription benefit^2,4 30-day retail generic	In-network $10⁵	Prescription benefit^2,4 30-day retail preferred brand-name	In-network 25% ($250 max)^5,6	Prescription benefit^2,4 30-day retail non-preferred brand-name	In-network 40% ($400 max)^5,6	Prescription benefit^2,4 90-day mail service generic	In-network $25	Prescription benefit^2,4 90-day mail service preferred brand-name	In-network 25% ($500 max)⁶	Prescription benefit^2,4 90-day mail service non-preferred brand-name	In-network 40% ($800 max)⁶	Prescription benefit^2,4 30-day specialty CVS exclusive generic	In-network 25% ($350 max)	Prescription benefit^2,4 30-day specialty CVS exclusive preferred brand-name	In-network 25% ($350 max)⁶	Prescription benefit^2,4 30-day specialty CVS exclusive non-preferred brand-name	In-network 40% ($400 max)⁶

High benefits that go beyond

Hearing aid support

Save with High’s $2,500 hearing aid benefit

Hearing aid benefit

Vision discount⁷

Coverage and discounts for eye exams, frames, lenses and more

Vision discount

Medicare + G.E.H.A

For annuitants, pairs well with Medicare, to give you more coverage for less

Medicare

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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 maintenance 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 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 High 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.

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 High 2026

FEHB High plan highlights

2026 FEHB High rates

Costs (what you pay in-network)

Deductible and out-of-pocket maximum

Prescription benefits