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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. Here's what you need to know about FEP Blue Focus and what it covers.

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This plan is best for people who:

  • Mainly use free preventive care
  • Need fewer than 10 doctor visits/year per member
  • Prefer generic drugs to help lower costs
  • Use in-network care only

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Get the details

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

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View an interactive plan summary book

For a convenient summary of our three coverage options, view an interactive version of the 2026 Benefit Summary Book.

2027 FEP Blue Focus Rates

 
Enrollment Code Bi-weekly Monthly
Self Only (131) $74.16 $160.69
Self + 1 (133) $159.43 $345.44
Self & Family (132) $175.35 $379.93

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
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

FEP Blue Focus Benefits

See costs for typical services when you use Preferred providers.

FEP Blue Focus
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
$10 per visit for the first 10 primary care and/or specialist visits for each person on your plan2
Specialists $10 per visit for the first 10 primary care and/or specialist visits for each person on your plan2
Urgent care centers $25
Chiropractic care

$25 for up to 10 total visits per year2,4

Acupuncture care

$25 for up to 10 total visits per year2,4

Prescription drugs

Retail Pharmacy:

Generics: $5
Preferred brand: 40%; up to $500
Preferred specialty: 40%; up to $600

Specialty Pharmacy:

Preferred specialty: 40%; up to $600
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®)
$3,000 for maternity care
Inpatient admission
(Services where you stay overnight)

30%*

Outpatient care
(Services done within a day)
30%*
Surgeons 30%*
ER
(Accidental injury)
$0 within 72 hours of injury
ER
(Medical emergency)
30%*
Lab work
(Such as blood tests)
$0 for first 10 specific lab tests3
Diagnostic services
(Such as sleep studies, X-rays,
CT scans)
30%*
Annual deductible Self Only: $1,000
Self + One and Self & Family: $2,000
Out-of-pocket maximum Self Only: $11,000
Self + One and Self & Family: $22,000

If you have Medicare primary or receive care overseas, different cost share amounts may apply.

*Deductible applies.
2You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
3Please see brochure for covered lab services.
4Up to 10 visits combined for chiropractic care and acupuncture.

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®

You pay nothing

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

$2,500 for inpatient hospital delivery7

Hospital Care

30% coinsurance for outpatient care1

30% coinsurance for inpatient care1
(precertification is required)

Surgeons (no referral needed) 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 $1,000 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 If your pregnancy care starts in 2025 and your baby is born in 2026, your copay will be based on the 2026 amount.

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.

Try our Prescription Drug Cost Tool

Check drug prices 24/7 with our Prescription Drug Cost Tool. Members can log in to MyBlue® for personalized costs based on your plan.

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.

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