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Explore Our FEHB Plans

See the differences between benefits and coverage for our three plan options side by side.

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Each plan offers more ways to get the coverage you need

FEP Blue Focus®

  • Lowest premium
  • $10 per visit for the first 10 primary and specialist visits for each person on your plan
  • Lowest copay for urgent care centers

FEP Blue Basic®

  • No deductibles
  • Flat copays for many medical services
  • Broader prescription drug coverage

 

FEP Blue Standard®

  • 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

2026 FEHB Plan Rates

FEP Blue Focus
Enrollment code Bi-weekly Monthly
Self Only (131) $66.81 $144.76
Self + 1 (133) $143.63 $311.21
Self & Family
(132)
$157.97 $342.28
FEP Blue Basic
Enrollment code Bi-weekly Monthly
Self Only (111) $133.77 $289.83
Self + 1 (113) $319.25 $691.71
Self & Family
(112)
$356.86 $773.20
FEP Blue Standard
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 FEHB Plan Rates

FEP Blue Focus
Enrollment code Bi-weekly Monthly
Self Only (131) $59.17 $128.21
Self + 1 (133) $127.21 $275.63
Self & Family
(132)
$139.92 $303.17
FEP Blue Basic
Enrollment code Bi-weekly Monthly
Self Only (111) $113.16 $245.18
Self + 1 (113) $274.14 $593.97
Self & Family
(112)
$303.61 $657.82
FEP Blue Standard
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.

A closer look at medical out-of-pocket costs

See costs of typical services when you use Preferred providers. 

 Download the 2026 Benefits at a Glance Brochure

FEP Blue Focus
View plan page
FEP Blue Basic
View plan page
FEP Blue Standard
View plan page
Virtual doctor visits by Teladoc Health®

$0 copay

$0 copay

$0 copay

Preventive Care $0 copay for covered preventive screenings, immunizations and services $0 copay for covered preventive screenings, immunizations and services $0 copay for covered preventive screenings, immunizations and services
Physician and Mental Health Care $10 per visit for your first 10 primary and/or specialty care visits5
  • $35 copay for primary care 1
  • $50 copay for specialists 1
  • $35 copay for mental health visits
  • $30 copay for primary care
  • $40 copay for specialists
  • $30 copay for mental health visits
Urgent Care Center $25 copay $50 copay

 

Accidental Injury: $0

Medical Emergency: $30 copay

Chiropractic Care $25 for up to 10 visits a year2,5 $35 for up to 20 visits a year $30 for up to 12 visits a year
Prescription Drugs

Retail Pharmacy^:

  • Generics: $5 copay

  • Preferred brand: 40% coinsurance

 

Specialty Pharmacy^:

  • Preferred specialty: 40% coinsurance

If you have Medicare Part B primary, your costs for prescription drugs may be lower.

Retail Pharmacy^:

  • Generics: $15 copay

  • Preferred brand: 35% coinsurance

  • Non-preferred brand: 60% coinsurance

  • Preferred specialty: 35% coinsurance

  • Non-preferred specialty: 35% coinsurance


Mail Service Pharmacy^:

Available to members with Medicare Part B primary only. Visit the Medicare page for more information.

  • Generics: $20 copay

  • Preferred brand: 35% coinsurance

  • Non-preferred brand: 35% coinsurance


Specialty Pharmacy^:

  • Preferred specialty: 35% coinsurance

  • Non-preferred specialty: 35% coinsurance

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^:

  • Preferred specialty: $100 copay

  • Non-preferred specialty: $150 copay

FEP Medicare Prescription Drug Program

Not a benefit

Retail Pharmacy^:

  • Generics: $10 copay

  • Preferred brand: $45 copay

  • Non-preferred brand: 50% coinsurance

  • Specialty: $75 copay


  • Mail Service Pharmacy:

  • Generics: $15 copay

  • Preferred brand: $95 copay

  • Non-preferred brand: $125 copay

  • Specialty: $150 copay

Retail Pharmacy^:

  • Generics: $5 copay

  • Preferred brand: $35 copay

  • Non-preferred brand: 50% coinsurance

  • Specialty: $60 copay


Mail Service Pharmacy:

  • Generics: $5 copay

  • Preferred brand: $85 copay

  • Non-preferred brand: $125 copay

  • Specialty: $150 copay

Maternity Care
  • $0 for doctor's visits
  • $2,500 for facility care
  • $0 for doctor’s visits
  • $0 for delivery at a Blue Distinction Center
  • $425 for delivery at all other facilities
$0 copay
Hospital Care

 

30% coinsurance for outpatient care*

30% coinsurance for inpatient care* (precertification is required)

 

$250 copay for outpatient care per day per facility1

$425 per day copay for inpatient care; up to $2,975 per admission (precertification is required)

15% coinsurance for outpatient care*

$350 per admission copay for inpatient care (precertification is required)

Surgery 30% coinsurance*
  • $150 copay per surgeon in an office1
  • $200 copay per surgeon in other settings1
15% coinsurance*
ER (accidental injury) $0 within 72 hours $425 copay per day per facility $0 within 72 hours
ER (medical emergency) 30% coinsurance*
$425 copay per day per facility
 
15% coinsurance*
Lab work (such as blood tests) $0 for first 10 specific lab tests**
20% coinsurance1
15% coinsurance*
Diagnostic services (such as sleep studies, CT scans) 30% coinsurance*
  • Up to $100 in an office1
  • Up to $250 in a hospital1
15% coinsurance*
Dental Care Not a benefit

$35 per evaluation; up to 2 evaluations per year

See 2026 FEP Blue Standard and FEP Blue Basic brochure
Rewards Program Earn $150 on your MyBlue Wellness Card for getting an annual physical4
Annual Deductible
  • Self Only: $750
  • Self + One and Self & Family: $1,500

No deductible

  • Self Only: $350
  • Self + One and Self & Family: $700
Out-of-Pocket Maximum (PPO)
  • Self Only: $10,000
  • Self + One and Self & Family: $20,000
  • Self Only: $7,500
  • Self + One and Self & Family: $15,000
  • Self Only: $6,000
  • Self + One and Self & Family: $12,000
FEP Medicare Prescription Drug Program Out-of-Pocket Maximum

Not a benefit

$2,100 per member $2,100 per member

Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).

  • * Deductible applies.
  • ** Please see brochure for covered lab services.
  • ^ What you’ll pay for a 30-day supply of covered drugs.
  • 1 You pay 35% coinsurance for agents, drugs and/or supplies you receive during your care.
  • 2 Up to 10 visits combined for chiropractic care and acupuncture.
  • 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 You must be the contract holder or spouse, 18 or older, on an FEP Blue Focus plan to earn this reward.
  • 5 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.

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 brochures (FEP Blue Standard and FEP Blue Basic: RI 71-005; FEP Blue Focus: RI 71-017). All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochures.

A closer look at medical out-of-pocket costs

See costs of typical services when you use Preferred providers. 

 Download the 2025 Benefits at a Glance Brochure

FEP Blue Focus
View plan page
FEP Blue Basic
View plan page
FEP Blue Standard
View plan page
Virtual doctor visits by Teladoc Health®

$0 copay

$0 copay

$0 copay

Preventive Care $0 copay for covered preventive screenings, immunizations and services $0 copay for covered preventive screenings, immunizations and services $0 copay for covered preventive screenings, immunizations and services
Physician and Mental Health Care $10 per visit for your first 10 primary and/or specialty care visits1
  • $35 copay for primary care 1
  • $50 copay for specialists 1
  • $35 copay for mental health visits
  • $30 copay for primary care
  • $40 copay for specialists
  • $30 copay for mental health visits
Urgent Care Center $25 copay $50 copay

 

Accidental Injury: $0

Medical Emergency: $30 copay

Chiropractic Care $25 for up to 10 visits a year1,2 $35 for up to 20 visits a year $30 for up to 12 visits a year
Prescription Drugs

Retail Pharmacy^:

  • Generics: $5 copay

  • Preferred brand: 40% coinsurance

 

Specialty Pharmacy^:

  • Preferred specialty: 40% coinsurance

If you have Medicare Part B primary, your costs for prescription drugs may be lower.

Retail Pharmacy^:

  • Generics: $15 copay

  • Preferred brand: $75 copay

  • Non-preferred brand: 60% coinsurance

  • Preferred specialty: $120 copay

  • Non-preferred specialty: $200 copay


Mail Service Pharmacy^:

Available to members with Medicare Part B primary only. Visit the Medicare page for more information.

  • Generics: $20 copay

  • Preferred brand: $100 copay

  • Non-preferred brand: $125 copay


Specialty Pharmacy^:

  • Preferred specialty: $1202

  • Non-preferred specialty: $200 copay2

If you have Medicare Part B primary, your costs for prescription drugs may be lower.

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: $90 copay

  • Non-preferred brand: $125 copay


Specialty Pharmacy^:

  • Preferred specialty: $65 copay

  • Non-preferred specialty: $85 copay

FEP Medicare Prescription Drug Program

Retail Pharmacy^:

  • Generics: $5 copay
  • Preferred brand: 40% coinsurance

  • Non-preferred brand: 40% coinsurance

  • Specialty: 40% coinsurance

 

Mail Service Pharmacy

  • Not a benefit

Retail Pharmacy^:

  • Generics: $10 copay

  • Preferred brand: $45 copay

  • Non-preferred brand: 50% coinsurance

  • Specialty: $75 copay


  • Mail Service Pharmacy:

  • Generics: $15 copay

  • Preferred brand: $95 copay

  • Non-preferred brand: $125 copay

  • Specialty: $150 copay

Retail Pharmacy^:

  • Generics: $5 copay

  • Preferred brand: $35 copay

  • Non-preferred brand: 50% coinsurance

  • Specialty: $60 copay


Mail Service Pharmacy:

  • Generics: $5 copay

  • Preferred brand: $85 copay

  • Non-preferred brand: $125 copay

  • Specialty: $150 copay

Maternity Care
  • $0 for doctor's visits
  • $1,500 for facility care
  • $350 inpatient
  • $0 outpatient
$0 copay
Hospital Care

 

30% coinsurance for outpatient care1

30% coinsurance for inpatient care1 (precertification is required)

$250 copay for outpatient care per day per facility1

$350 per day copay for inpatient care; up to $1,750 per admission (precertification is required)

15% coinsurance for outpatient care*

$350 per admission copay for inpatient care (precertification is required)

Surgery 30% coinsurance*
  • $150 copay per surgeon in an office1
  • $200 copay per surgeon in other settings1
15% coinsurance*
ER (accidental injury) $0 within 72 hours $350 copay per day per facility $0 within 72 hours
ER (medical emergency) 30% coinsurance1
$350 copay per day per facility
 
15% coinsurance*
Lab work (such as blood tests) $0 for first 10 specific lab tests**
15% coinsurance1
15% coinsurance*
Diagnostic services (such as sleep studies, CT scans) 30% coinsurance*
  • Up to $100 in an office1
  • Up to $250 in a hospital1
15% coinsurance*
Dental Care Not a benefit

$35 per evaluation; up to 2 evaluations per year

See 2025 FEP Blue Standard and FEP Blue Basic brochure
Rewards Program Earn $150 on your MyBlue Wellness Card for getting an annual physical4
Annual Deductible
  • Self Only: $500
  • Self + One and Self & Family: $1,000

No deductible

  • Self Only: $350
  • Self + One and Self & Family: $700
Out-of-Pocket Maximum (PPO)
  • Self Only: $9,000
  • Self + One and Self & Family: $18,000
  • Self Only: $7,500
  • Self + One and Self & Family: $15,000
  • Self Only: $6,000
  • Self + One and Self & Family: $12,000
FEP Medicare Prescription Drug Program Out-of-Pocket Maximum $2,000 per member $2,000 per member $2,000 per member

Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).

  • * Deductible applies.
  • ** Please see brochure for covered lab services.
  • ^ What you’ll pay for a 30-day supply of covered drugs.
  • 1 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
  • 2 Up to 10 visits combined for chiropractic care and acupuncture.
  • 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 You must be the contract holder or spouse, 18 or older, on an FEP Blue Focus plan to earn this reward.

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 brochures (FEP Blue Standard and FEP Blue Basic: RI 71-005; FEP Blue Focus: RI 71-017). All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochures.