FEP Blue Standard® for FEHB
This plan is best for growing families or anyone who wants the broadest coverage with the flexibility to see both in- and out-of-network doctors. Here's what you need to know about FEP Blue Standard and what it covers.
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How to Enroll
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This plan is best for people who:
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Take specialty drugs
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Want access to the FEP Mail Service Pharmacy
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Are planning or growing your family and want maternity care fully covered + additional IVF benefits
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Want out-of-network coverage
Get the details
Want to see detailed benefits for this plan? Download the Blue Cross and Blue Shield Service Benefit Plan Brochure – FEP Blue Standard and FEP Blue Basic below.
2027 FEP Blue Standard Rates
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self Only (104) | $204.65 | $443.41 |
| Self + 1 (106) | $449.89 | $974.76 |
| Self & Family (105) | $496.90 | $1,076.61 |
2026 FEP Blue Standard Rates
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self Only (104) | $188.32 | $408.02 |
| Self + 1 (106) | $410.88 | $890.24 |
| Self & Family (105) | $457.66 | $991.60 |
FEP Blue Standard Benefits
See costs for typical services when you use Preferred providers.
| FEP Blue Standard | |
|---|---|
| Preventive care |
$0
$425 per day copay for inpatient care; up to $2,975 per admission (precertification is required) |
|
Virtual doctor visits by Teladoc Health® |
$0 |
|
Primary care doctor & mental health visits |
$30 |
| Specialists | $40 |
| Urgent care centers | $30 |
| Chiropractic care | $30 for up to 12 total visits per year |
| Acupuncture care | 15% for up to 24 total visits per year* |
| Prescription drugs |
Retail Pharmacy:
Mail Service Pharmacy:
Specialty Pharmacy:
|
|
Maternity care & family planning (You pay nothing for birth control; if you're growing your family, you have access to a WINFertility discount through Blue365®) |
$0 for maternity care
15% of up to $25,000 for IVF* |
|
Inpatient admission (Services where you stay overnight) |
$450 per admission |
|
Outpatient care (Services done within a day) |
15%* |
| Surgeons | 15%* |
|
ER (Accidental injury) |
$0 within 72 hours of injury |
|
ER (Medical emergency) |
15%* |
|
Lab work (Such as blood tests) |
15%* |
|
Diagnostic services (Such as sleep studies, X-rays, CT scans) |
15%* |
| Annual deductible |
|
| Out-of-pocket maximum |
|
If you have Medicare primary or receive care overseas, different cost share amounts may apply.
* Deductible applies.
This is a summary of the features of the Blue Cross and Blue Shield Service Benefit Plan. Before making a final decision, please read the Plan’s federal brochure (RI 71-005). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.
FEP Blue Standard Benefits
See costs for typical services when you use Preferred providers.
| In-Network (PPO benefit) - You pay: |
Out-of-Network (Non-PPO benefit)* - You pay: |
|
|---|---|---|
|
Virtual Doctor visits by Teladoc Health® |
$0 copay | N/A |
| Preventive Care | $0 copay for covered preventive screenings, immunizations and services |
35% coinsurance† |
| Physician and Mental Health Care |
|
35% coinsurance† |
| Urgent Care Center |
|
|
| Chiropractic Care |
$30 copay per treatment; up to 12 visits a year |
35% coinsurance† up to 12 visits a year |
| Prescription Drugs |
Retail Pharmacy^:
Mail Service Pharmacy:
Specialty Pharmacy^2:
|
Retail Pharmacy:
Mail Service Pharmacy:
Specialty Pharmacy:
|
| Maternity Care | $0 copay | |
| Hospital Care |
|
|
| Surgery |
15% coinsurance† |
35% coinsurance†* |
| ER (accidental injury) | $0 within 72 hours |
Nothing for covered services |
| ER (medical emergency) |
15% coinsurance† |
15% coinsurance† |
| Lab work (such as blood tests) |
15% coinsurance† |
35% coinsurance† |
| Diagnostic services (such as sleep studies, X-rays, CT scans) |
15% coinsurance† |
35% coinsurance† |
| Dental Care | See 2026 FEP Blue Standard and FEP Blue Basic brochure |
35% coinsurance† |
| Rewards Program |
|
|
| Annual Deductible |
|
|
| Annual Medical Out-of-Pocket Maximum (PPO) |
|
Coinsurance (a type of cost sharing) is the percentage of coinsurance you pay. We contract with providers to pay them a set rate, or an allowance. Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).
- *FEP Blue Standard Traditional Pharmacy drug tiers: Tier 1 Generics, Tier 2 Preferred Brand Name, Tier 3 Non-preferred Brand Name, Tier 4 Preferred Specialty, Tier 5 Non-preferred Specialty.
- *If you use a Non-preferred provider under FEP Blue Standard, you generally pay any difference between coinsurance and the billed amount, in addition to any share coinsurance shown in the table above. Certain out-of-pocket costs do not apply if Medicare is your primary coverage for medical services (it pays first).
- † Subject to the calendar year deductible: $350 per person or $700 in total for Self + One or Self & Family contracts.
- ^ What you’ll pay for a 30-day supply of covered drugs.
- 1 If you have Medicare Part B primary, your costs for prescription drugs may be lower.
- 2 On limited occasions, such as for certain drugs that require prior approval, you will need to file a claim for services received from Preferred providers.
- 3 You must be the contract holder or spouse, 18 or older, on a FEP Blue Standard or FEP Blue Basic Plan to earn incentive rewards.
- 4 Eligible expenses for the services of Preferred (In-Network) providers also count toward these limits.
This is a summary of the features of the Blue Cross and Blue Shield Service Benefit Plan. Before making a final decision, please read the Plan’s federal brochure (RI 71-005). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.
FEP Blue Standard with FEP Medicare Prescription Drug Program
Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers than the traditional pharmacy benefit. Learn more here.
| FEP Blue Standard with MPDP | |
|---|---|
| Tier Specifics |
Tier 1: Generics Tier 2: Preferred brand name Tier 3: Non-preferred brand name Tier 4: Specialty drugs |
|
Retail Pharmacy (For a 30-day supply) |
Tier 1: $5 Tier 2: $35 Tier 3: 50% Tier 4: $60 |
|
FEP Mail Service Pharmacy (For a 90-day supply) |
Tier 1: $5 Tier 2: $85 Tier 3: $125 Tier 4: $150 |
|
Annual pharmacy out-of-pocket maximum |
$2,400 per member |
The formulary and/or pharmacy network may change at any time. You will receive notice when necessary.
FEP Blue Standard with FEP Medicare Prescription Drug Program
Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers than the traditional pharmacy benefit. Learn more here.
| FEP Blue Standard with MPDP | |
|---|---|
|
FEP Medicare Prescription Drug Program Out-of-Pocket Maximum |
$2,100 per member |
| Retail Pharmacy^ |
|
| FEP Mail Service Pharmacy |
|
^ What you’ll pay for a 30-day supply of covered drugs.
The FEP Medicare Prescription Drug Program is a prescription drug plan with a Medicare contract. Enrollment in MPDP depends on contract renewal.
The formulary and/or pharmacy network may change at any time. You will receive notice when necessary.
Get prescriptions delivered right to your door
All FEP Blue Standard members get access to our Mail Service Pharmacy Program. It’s a convenient way to get any prescription drugs you take regularly sent to your home. You can use your MyBlue® account to access the Mail Service Pharmacy and place mail order prescriptions.
Learn More