Choose the Right Plan
We can help you select the right Service Benefit Plan option to combine with Medicare.
See what you get with FEP and Medicare
Combining your FEP coverage with Medicare gives you additional benefits not covered by Medicare alone. When combined with Medicare, our FEP Blue Basic and FEP Blue Standard plans provide the coverage and benefits you need today and as your health care needs change throughout retirement.
When you pair Medicare with our FEP Blue Basic plan, you pay no deductible. Medicare plus our FEP Blue Standard plan means we'll waive your deductible when you have Medicare as your primary coverage. Medicare combined with either plan means you'll pay your FEP premium, your Medicare premium, pharmacy cost shares and nothing for most services.
Pay zero out-of-pocket costs for covered services
You’ll pay nothing for these services when Medicare Part A and Part B are primary. FEP Blue Basic and FEP Blue Focus members must stay in-network.
Covering the things Medicare doesn’t cover
Combining coverage gives you access to benefits not covered by Medicare.
| FEP Blue Basic® | FEP Blue Standard® | FEP Blue Focus® | |
|---|---|---|---|
| Hearing Aids |
Receive an allowance of up to $2,500 every five years for the purchase of hearing aids and hearing aid supplies. Get hearing aid discounts through our Blue365® Discount Program. You can combine this discount with the hearing aid benefit above. |
Receive an allowance of up to $2,500 every five years for the purchase of hearing aids and hearing aid supplies. Get hearing aid discounts through our Blue365® Discount Program. You can combine this discount with the hearing aid benefit above. |
Get hearing aid discounts through our Blue365® Discount Program. |
| Routine Foot Care | If you have a long-term condition such as diabetes, your Service Benefit Plan coverage will cover necessary routine foot care, and when combined with Medicare coverage, you’ll pay nothing out-of-pocket for these treatments. | If you have a long-term condition such as diabetes, your Service Benefit Plan coverage will cover necessary routine foot care, and when combined with Medicare coverage, you’ll pay nothing out-of-pocket for these treatments. | If you have a long-term condition such as diabetes, your Service Benefit Plan coverage will cover necessary routine foot care, and when combined with Medicare coverage, you’ll pay nothing out-of-pocket for these treatments. |
|
Acupuncture |
12 visits per year at no cost to you | 24 visits per year at no cost to you |
10 visits per year at no cost to you |
| Dental Care | You pay nothing for 2 preventive cleanings a year | Please see the brochure | Not covered |
| Overseas Care |
All three of our plans cover you abroad. Learn more about overseas coverage. |
All three of our plans cover you abroad. Learn more about overseas coverage. |
All three of our plans cover you abroad. Learn more about overseas coverage. |
Get up to $800 back with a Medicare Reimbursement Account
FEP Blue Basic members who have Medicare Part A and Part B can get up to $800 back with a Medicare Reimbursement Account.
Learn More
Your pharmacy benefits with and without MPDP
Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and more approved prescription drugs than the traditional pharmacy benefit with the FEP Medicare Prescription Drug Program (MPDP). You can compare our traditional pharmacy benefits for each plan with what you get with MPDP. Please note that MPDP only has four drug tiers—and specialty drugs are tier 4 drugs.
2026 FEHB Benefits
Learn more about the FEP Medicare Prescription Drug Program.
| FEP Blue Basic Traditional Pharmacy Benefit with Medicare Part B | FEP Blue Basic with MPDP Pharmacy Benefit | |
|---|---|---|
|
In-network Retail Pharmacy^ |
Tier 1 (Generics): $10 copay Tier 2 (Preferred brand): 35% coinsurance ($100 maximum) Tier 3 (Non-preferred brand): 60% coinsurance Tier 4 (Preferred specialty): 35% coinsurance ($200 maximum) Tier 5 (Non-preferred specialty): 35% coinsurance ($450 maximum) |
Tier 1: $10 copay Tier 2: $45 copay Tier 3: 50% of our allowance Tier 4: $75 copay |
|
FEP Mail Service Pharmacy What you'll pay for up to a 90-day supply of covered drugs |
Tier 1 (Generics): $20 copay Tier 2 (Preferred brand): 35% coinsurance ($225 maximum) Tier 3 (Non-preferred brand): 35% coinsurance ($250 maximum) |
Tier 1: $15 copay Tier 2: $95 copay Tier 3: $125 copay Tier 4: $150 copay |
|
FEP Specialty Pharmacy† |
Tier 4 (Preferred specialty): 35% coinsurance ($200 maximum) Tier 5 (Non-preferred specialty): 35% coinsurance ($450 maximum) |
Your specialty drug benefits are in Tier 4 (see above) |
|
Annual Pharmacy Out-of-Pocket Maximum* |
Not a benefit | $2,100 per member |
Learn more about the FEP Medicare Prescription Drug Program.
| FEP Blue Standard Traditional Pharmacy Benefit with Medicare Part B | FEP Blue Standard with MPDP Pharmacy Benefit | |
|---|---|---|
|
In-network Retail Pharmacy^ |
Tier 1: $7.50 copay Tier 2: 30% coinsurance Tier 3: 50% coinsurance Tier 4: 30% coinsurance Tier 5: 30% coinsurance |
Tier 1: $5 copay Tier 2: $35 copay Tier 3: 50% coinsurance Tier 4: $60 copay |
|
FEP Mail Service Pharmacy What you'll pay for up to a 90-day supply of covered drugs |
Tier 1: $15 copay Tier 2: 15% coinsurance ($150 maximum) Tier 3: 20% coinsurance ($250 maximum) |
Tier 1: $5 copay Tier 2: $85 copay Tier 3: $125 copay Tier 4: $150 copay |
|
FEP Specialty Pharmacy† |
Tier 4: $100 copay Tier 5: $150 copay |
Your specialty drug benefits are in Tier 4 (see above) |
|
Annual Pharmacy Out-of-Pocket Maximum* |
Not a benefit | $2,100 per member |
† What you'll pay for up to a 30-day supply of covered drugs.
* You still have an overall medical out-of-pocket maximum. Your MPDP pharmacy out-of-pocket maximum is part of it, not added to it.
Prescription Drug Coverage for PSHB Members with Medicare
Under the Postal Service Health Benefits (PSHB) Program, all Postal Service retirees and family members eligible for Medicare primary will be automatically enrolled in the FEP Medicare Prescription Drug Program (MPDP).
If you already have MPDP and opt out of or disenroll from MPDP, you will not have any prescription drug coverage with FEP.
Learn more about MPDP and your prescription drug coverage.
2025 FEHB Benefits
Learn more about the FEP Medicare Prescription Drug Program.
| FEP Blue Basic Traditional Pharmacy Benefit with Medicare Part B | FEP Blue Basic with MPDP Pharmacy Benefit | |
|---|---|---|
|
In-network Retail Pharmacy^ |
Tier 1 (Generics): $10 copay Tier 2 (Preferred brand): $50 copay Tier 3 (Non-preferred brand): 50% of our allowance ($60 min) Tier 4 (Preferred specialty): $80 copay Tier 5 (Non-preferred specialty): $100 copay |
Tier 1 (Generics): $10 copay Tier 2 (Preferred brand): $45 copay Tier 3 (Non-preferred brand): 50% of our allowance ($60 min) Tier 4 (Specialty): $75 copay |
|
FEP Mail Service Pharmacy What you'll pay for up to a 90-day supply of covered drugs |
Tier 1 (Generics): $20 copay Tier 2 (Preferred brand): $100 copay Tier 3 (Non-preferred brand): $125 copay |
Tier 1: $15 copay Tier 2: $95 copay Tier 3: $125 copay Tier 4: $150 copay |
| FEP Specialty Pharmacy† |
Tier 4 (Preferred specialty): $80 copay Tier 5 (Non-preferred specialty): $100 copay |
Your specialty drug benefits are in Tier 4 (see above) |
|
Annual Pharmacy Out-of-Pocket Maximum* |
Not a benefit | $2,000 per member |
Learn more about the FEP Medicare Prescription Drug Program.
| FEP Blue Standard Traditional Pharmacy Benefit with Medicare Part B | FEP Blue Standard with MPDP Pharmacy Benefit | |
|---|---|---|
|
In-network Retail Pharmacy^ |
Tier 1 (Generics): $5 copay Tier 2 (Preferred brand): 30% of our allowance Tier 3 (Non-preferred brand): 50% of our allowance Tier 4 (Preferred specialty): 30% of our allowance Tier 5 (Non-preferred specialty): 30% of our allowance |
Tier 1 (Generics): $5 copay Tier 2 (Preferred brand): $35 copay Tier 3 (Non-preferred brand): 50% of our allowance Tier 4 (Specialty): $60 copay |
|
FEP Mail Service Pharmacy What you'll pay for up to a 90-day supply of covered drugs |
Tier 1 (Generics): $10 copay Tier 2 (Preferred brand): $90 copay Tier 3 (Non-preferred brand): $125 copay |
Tier 1 (Generics): $5 copay Tier 2 (Preferred brand): $85 copay Tier 3 (Non-preferred brand): $125 copay Tier 4 (Specialty): $150 copay |
| FEP Specialty Pharmacy† |
Tier 4 (Preferred specialty): $65 copay Tier 5 (Non-preferred specialty): $85 copay |
Your specialty drug benefits are in Tier 4 (see above) |
|
Annual Pharmacy Out-of-Pocket Maximum* |
Not a benefit | $2,000 per member |
Learn more about the FEP Medicare Prescription Drug Program.
| FEP Blue Focus Traditional Pharmacy Benefit with Medicare Part B | FEP Blue Focus with MPDP Pharmacy Benefit | |
|---|---|---|
|
In-network Retail Pharmacy^ |
Tier 1 (Generics): $5 copay Tier 2 (Preferred brand): 40% of our allowance ($350 max) |
Tier 1 (Generics): $5 copay Tier 2 (Preferred brand): 40% of our allowance ($350 max) Tier 3 (Non-preferred brand): 40% of our allowance ($350 max) Tier 4 (Specialty): 40% of our allowance ($350 max) |
|
FEP Mail Service Pharmacy What you'll pay for up to a 90-day supply of covered drugs |
Not a benefit | Not a benefit |
| FEP Specialty Pharmacy† | Tier 2 (Preferred specialty): 40% of our allowance ($350 max) | Your specialty drug benefits are in Tier 4 (see above) |
|
Annual Pharmacy Out-of-Pocket Maximum* |
Not a benefit | $2,000 per member |
† What you'll pay for up to a 30-day supply of covered drugs.
* You still have an overall medical out-of-pocket maximum. Your MPDP pharmacy out-of-pocket maximum is part of it, not added to it.
Explore More
View Our FEHB Summary Book
Learn more about the benefits of combining Medicare coverage with FEP for retired federal employees and family members.
Learn MoreView Our PSHB Summary Book
Learn more about the benefits of combining Medicare coverage with FEP for USPS retirees and family members.
Learn MorePreparing for Medicare
See what you need to know about Medicare and your health care coverage options.
Learn More