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FEP Blue Focus® for FEHB

This plan is ideal for individuals and families who mainly use their benefits for free preventive care and have minimal prescription needs.

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Benefits at a glance:


  • 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  

Get the details

Want to see detailed benefits for this plan? Download the 2025 Blue Cross and Blue Shield Service Benefit Plan Brochure – FEP Blue Focus below.

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.

2026 FEP Blue Focus Rates

 
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

2025 FEP Blue Focus Rates

 
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
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.

FEP Blue Focus Benefits

See costs for typical services when you use Preferred providers.

FEP Blue Focus
Virtual doctor visits by Teladoc Health®

$0 copay

Preventive Care $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 care5
Urgent Care Center $25 copay
Chiropractic Care

$25 copay per treatment; for up to 10 visits per year combined for chiropractic care and acupuncture5

Prescription Drugs

Retail Pharmacy^:

Generics: $5 copay

Preferred brand: 40% coinsurance2

 

Specialty Pharmacy^:

Preferred specialty: 40% coinsurance2

Maternity Care

$0 for doctor's visits

$2,500 copay for facility care

Hospital Care

30% coinsurance for outpatient care1

30% coinsurance for inpatient care1 (precertification is required)

Surgery 30% coinsurance1
ER (accidental injury) $0 within 72 hours
ER (medical emergency) 30% of our allowance1
Lab work (such as blood tests) $0 for first 10 specific lab tests3,4
Diagnostic services
(such as sleep studies, X-rays, CT scans)
30% coinsurance1
Dental Care Not covered
Rewards Program Earn $150 MyBlue Wellness Card for getting an annual physical6
Annual Deductible

Self Only: $750

Self + One and Self & Family: $1,500

Out-of-Pocket Maximum (PPO)

Self Only: $10,000

Self + One and Self & Family: $20,000

Under FEP Blue Focus, benefits are not available for services performed by Non-preferred providers, except in certain situations such as emergency care.

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 Focus Traditional Pharmacy drug tiers: Tier 1 Preferred Generics, Tier 2 Preferred Brand Name, Preferred Specialty and Preferred Brand Name Specialty.
  • ^ What you’ll pay for a 30-day supply of covered drugs.
  • 1 Deductible applies. $750 for Self Only and $1,500 for Self + One and Self & Family.
  • 2 Specialty drugs are limited to a 30-day supply.
  • 3 Professional charges for facility-based intensive outpatient treatment and professional charges for outpatient diagnostic tests to include psychological testing are not part of the 10 for $10 benefit.
  • 4 Please see brochure for covered lab services.
  • 5 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
  • 6 You must be the contract holder or spouse, 18 or older, on a FEP Blue Focus plan to earn incentive rewards.
  •  
  •  

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 71-017). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.

FEP Blue Focus Benefits

See costs for typical services when you use Preferred providers.

FEP Blue Focus
Virtual doctor visits by Teladoc Health®

$0 copay

Preventive Care $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 care5
Urgent Care Center $25 copay
Chiropractic Care

$25 copay per treatment; for up to 10 visits per year combined for chiropractic care and acupuncture5

Prescription Drugs

Retail Pharmacy^:

Generics: $5 copay

Preferred brand: 40% coinsurance2

 

Specialty Pharmacy^:

Preferred specialty: 40% coinsurance2

Maternity Care

$0 for doctor's visits

$1,500 copay for facility care

Hospital Care

30% coinsurance for outpatient care1

30% coinsurance for inpatient care1 (precertification is required)

Surgery 30% coinsurance1
ER (accidental injury) $0 within 72 hours
ER (medical emergency) 30% coinsurance1
Lab work (such as blood tests) $0 for first 10 specific lab tests3,4
Diagnostic services
(such as sleep studies, X-rays, CT scans)
30% coinsurance1
Dental Care Not covered
Rewards Program Earn $150 MyBlue Wellness Card for getting an annual physical6
Annual Deductible

Self Only: $500

Self + One and Self & Family: $1,000

Out-of-Pocket Maximum (PPO)

Self Only: $9,000

Self + One and Self & Family: $18,000

Under FEP Blue Focus, benefits are not available for services performed by Non-preferred providers, except in certain situations such as emergency care.

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 Focus Traditional Pharmacy drug tiers: Tier 1 Preferred Generics, Tier 2 Preferred Brand Name, Preferred Specialty and Preferred Brand Name Specialty.
  • ^ What you’ll pay for a 30-day supply of covered drugs.
  • 1 Deductible applies. $500 for Self Only and $1,000 for Self + One and Self & Family.
  • 2 Specialty drugs are limited to a 30-day supply.
  • 3 Professional charges for facility-based intensive outpatient treatment and professional charges for outpatient diagnostic tests to include psychological testing are not part of the 10 for $10 benefit.
  • 4 Please see brochure for covered lab services.
  • 5 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
  • 6 You must be the contract holder or spouse, 18 or older, on a FEP Blue Focus plan to earn incentive rewards.
  • 7 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 71-017). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.

2025 FEP Blue Focus 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

Please note that FEHB FEP Blue Focus members who are currently enrolled in MPDP will transition to the regular pharmacy benefit in 2026.

FEP Blue Focus with MPDP
FEP Medicare Prescription Drug
Program Out-of-Pocket Maximum
$2,000 per member
Retail Pharmacy^

Generics: $5 copay

Preferred brand: 40% coinsurance

Non-preferred brand: 40% coinsurance

Specialty drugs: 40% coinsurance

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

^ 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.

Get to know FEP Blue Focus

Watch this video to take a closer look at our budget-friendly option and how it can help you focus on the essentials of good health.

Have questions? Check out our enrollment & benefits FAQs.

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