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Find Your Perfect FEHB Plan

There's a lot to explore when it comes to BCBS FEP health coverage. Here, you can compare health plans to find the one that fits you and your family's lifestyle best. Still not sure? Our Plan Finder tool makes choosing easy.

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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
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 care6
 $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.
  • 6 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 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.

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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