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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.

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Benefits at a glance


  • Out-of-network care
  • FEP Mail Service Pharmacy and largest approved drug list
  • Comprehensive family planning benefits including free maternal health coverage and up to $25,000 annually in IVF benefits 

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.

2026 Plan Brochure See Plan Brochure

View an interactive plan summary book

For a convenient summary of our three coverage options, view an interactive version of the 2025 Benefit Summary Book.

View Interactive Plan Brochure

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

2025 FEP Blue Standard Rates

 
Enrollment Code Bi-weekly Monthly
Self Only (104) $174.81 $378.76
Self + 1 (106) $384.14 $832.31
Self & Family (105) $424.65 $920.07
These rates do not apply to all enrollees. If you are in a special enrollment category, contact the agency or Tribal employer that manages your health benefits enrollment.

See if your doctor is in our network

Use our National Doctor and Hospital Finder tool to see if your current doctor is in our Preferred provider network or to find a specialist, retail clinic or urgent care center near you.

Find a Provider

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

  • $30 copay for primary care

  • $40 copay for specialists

  • $30 copay for mental health visits

 35% coinsurance†
Urgent Care Center
  • Accidental Injury: $0
  • Medical Emergency: $30 copay
  • Accidental Injury: $0
  • Medical Emergency: 35% coinsurance
Chiropractic Care

$30 copay per treatment; up to 12 visits a year

35% coinsurance† up to 12 visits a year
Prescription Drugs Retail Pharmacy^:
  • Generics: $7.50 copay
  • Preferred brand: 30% coinsurance
  • Non-preferred brand: 50% coinsurance
  • Preferred specialty: 30% coinsurance^
  • Non-preferred specialty: 30% coinsurance^

Mail Service Pharmacy:
  • Generics: $15 copay
  • Preferred brand: 15% coinsurance
  • Non-preferred brand: 20% coinsurance

Specialty Pharmacy^2:
  • Preferred specialty: $100 copay
  • Non-preferred specialty: $150 copay
 Retail Pharmacy:
  • 45% coinsurance

Mail Service Pharmacy:
  • Not covered

Specialty Pharmacy:
  • Not covered
Maternity Care $0 copay
  • Pre-/postnatal professional care: 35% coinsurance†
  • Inpatient hospital: $450 per admission copay for unlimited days, plus 35% coinsurance
  • Outpatient facility care: 35% coinsurance†
Hospital Care
  • 15% coinsurance for outpatient care†
  • $350 per admission copay for inpatient care (precertification is required)
  • 35% coinsurance†
  • $450 per admission copay plus 35% coinsurance for inpatient care (precertification is required)
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

  • Self Only: $350

  • Self + One and Self & Family: $700

  • Self Only: $350

  • Self + One and Self & Family: $700
Annual Medical Out-of-Pocket Maximum (PPO)

  • Self Only: $6,000

  • Self + One and Self & Family: $12,000

    Self Only: $8,0004

    Self + One and Self & Family: $16,0004

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 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

  • $30 copay for primary care

  • $40 copay for specialists

  • $30 copay for mental health visits

 35% coinsurance†
Urgent Care Center
  • Accidental Injury: $0
  • Medical Emergency: $30 copay
  • Accidental Injury: $0
  • Medical Emergency: 35% coinsurance
Chiropractic Care

$30 copay per treatment; up to 12 visits a year

35% coinsurance† up to 12 visits a year
Prescription Drugs Retail Pharmacy^:
  • Generics: $7.50 copay1
  • Preferred brand: 30% coinsurance
  • Non-preferred brand: 50% coinsurance
  • Preferred specialty: 30% coinsurance^
  • Non-preferred specialty: 30% coinsurance^

Mail Service Pharmacy:
  • Generics: $15 copay1
  • Preferred brand: $90 copay
  • Non-preferred brand: $125 copay

Specialty Pharmacy^2:
  • Preferred specialty: $65 copay
  • Non-preferred specialty: $85 copay
 Retail Pharmacy:
  • 45% coinsurance

Mail Service Pharmacy:
  • Not covered

Specialty Pharmacy:
  • Not covered
Maternity Care $0 copay
  • Pre-/postnatal professional care: 35% coinsurance†
  • Inpatient hospital: $450 per admission copay for unlimited days, plus 35% coinsurance
  • Outpatient facility care: 35% coinsurance†
Hospital Care
  • 15% coinsurance for outpatient care†
  • $350 per admission copay for inpatient care (precertification is required)
  • 35% coinsurance†
  • $450 per admission copay plus 35% coinsurance for inpatient care (precertification is required)
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 2025 FEP Blue Standard and FEP Blue Basic brochure 35% coinsurance†
Rewards Program
Annual Deductible

  • Self Only: $350

  • Self + One and Self & Family: $700

  • Self Only: $350

  • Self + One and Self & Family: $700
Annual Medical Out-of-Pocket Maximum (PPO)

  • Self Only: $6,000

  • Self + One and Self & Family: $12,000

    Self Only: $8,0004

    Self + One and Self & Family: $16,0004

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.
  • 5 You still have an overall medical out-of-pocket maximum. Your MPDP pharmacy out-of-pocket maximum is separate.

    •  

    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.

Easily submit out-of-network claims online

Looking for an accessible way to submit out-of-network claims? As an FEP Blue Standard member, you can submit domestic claims online at any time.

Learn More

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 FEP Medicare Prescription Drug Program
FEP Blue Standard with MPDP
FEP Medicare Prescription Drug
Program Out-of-Pocket Maximum 		$2,100 per member

Dummy comment to reduce the gap between 2 colsMedicare page for more information. 
Retail Pharmacy^

  • Generics: $5 copay

  • Preferred brand name: $35 copay

  • Non-preferred brand name: 50% coinsurance

  • Specialty drugs: $60 copay
FEP Mail Service Pharmacy

  • Generics: $5 copay

  • Preferred brand name: $85 copay

  • Non-preferred brand name: $125 copay

  • Specialty drugs: $150 copay

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 FEP Medicare Prescription Drug Program
FEP Blue Standard with MPDP
FEP Medicare Prescription Drug
Program Out-of-Pocket Maximum 		$2,000 per member

Dummy comment to reduce the gap between 2 colsMedicare page for more information. 
Retail Pharmacy^

  • Generics: $5 copay

  • Preferred brand name: $35 copay

  • Non-preferred brand name: 50% coinsurance

  • Specialty drugs: $60 copay
FEP Mail Service Pharmacy

  • Generics: $5 copay

  • Preferred brand name: $85 copay

  • Non-preferred brand name: $125 copay

  • Specialty drugs: $150 copay

^ 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.

Try our Prescription Drug Cost Tool

With our Prescription Drug Cost Tool, you can check drug costs 24/7. If you’re a member and logged in to MyBlue®, you can access a personalized drug cost tool that shows you the cost of prescription drugs for your specific plan.

Please note, while you can use the tool now, 2026 pricing information in the Personalized Drug Cost Tool will not be available until October 11, 2025.

Check Drug Costs See Personalized Costs

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

Not sure which plan is right for you?

Our AskBlueSM FEP Medical Plan Finder tool can help you select the right option for your needs.

Try AskBlue

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