FEP Blue Standard® for FEHB
Why choose between in-network and out-of-network care? With FEP Blue Standard, you get both—access to a network with over 2 million doctors and hospitals and over 55,000 retail pharmacies, plus access to out-of-network providers.
Benefits at a Glance
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 Standard and FEP Blue Basic below.
See Plan Brochure
2025 FEP Blue Standard Rates
| 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 |
FEP Blue Standard® Benefits
See costs for typical services when you use Preferred providers.
| In-Network (PPO benefit) - You pay: |
Out-of-Network (Non-PPO benefit)* - You pay: |
|
|---|---|---|
| Virtual Doctor visits by Teladoc Health® | $0 copay | N/A |
| Preventive Care | $0 copay for covered preventive screenings, immunizations and services |
35% of our allowance† |
| Physician and Mental Health Care |
|
35% of our allowance† |
| Urgent Care Center |
|
|
| Chiropractic Care |
$30 copay per treatment; up to 12 visits a year |
35% of our allowance† up to 12 visits a year |
| Prescription Drugs |
Retail Pharmacy^:
Mail Service Pharmacy:
Specialty Pharmacy^2:
|
Retail Pharmacy:
Mail Service Pharmacy:
Specialty Pharmacy:
|
| Maternity Care | $0 copay | |
| Hospital Care |
|
|
| Surgery |
15% of our allowance† |
35% of our allowance†* |
| ER (accidental injury) | $0 within 72 hours |
Nothing for covered services |
| ER (medical emergency) |
15% of our allowance† |
15% of our allowance† |
| Lab work (such as blood tests) |
15% of our allowance† |
35% of our allowance† |
| Diagnostic services (such as sleep studies, X-rays, CT scans) |
15% of our allowance† |
35% of our allowance† |
| Dental Care | See 2025 FEP Blue Standard and FEP Blue Basic brochure |
35% of our allowance† |
| Rewards Program |
|
|
| Annual Deductible |
|
|
| Annual Medical Out-of-Pocket Maximum (PPO) |
|
FEP Blue Standard® 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. New for 2025: the annual pharmacy out-of-pocket maximum is $2,000 per member and separate from the medical out-of-pocket maximum. Learn more here.
| FEP Blue Standard® with MPDP | |
|---|---|
| Retail Pharmacy^ |
|
| FEP Mail Service Pharmacy |
|
Coinsurance (a type of cost sharing) is the percentage of our allowance 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 Standard Traditional Pharmacy drug tiers: Tier 1 Generics, Tier 2 Preferred Brand Name, Tier 3 Non-preferred Brand Name, Tier 4 Preferred Specialty, Tier 5 Non-preferred Specialty.
- *If you use a Non-preferred provider under FEP Blue Standard, you generally pay any difference between our allowance and the billed amount, in addition to any share of our allowance shown in the table above. Certain out-of-pocket costs do not apply if Medicare is your primary coverage for medical services (it pays first).
- † Subject to the calendar year deductible: $350 per person or $700 in total for Self + One or Self & Family contracts.
- ^ What you’ll pay for a 30-day supply of covered drugs.
- 1 If you have Medicare Part B primary, your costs for prescription drugs may be lower.
- 2 On limited occasions, such as for certain drugs that require prior approval, you will need to file a claim for services received from Preferred providers.
- 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 Eligible expenses for the services of Preferred (In-Network) providers also count toward these limits.
- 5 You still have an overall medical out-of-pocket maximum. Your MPDP pharmacy out-of-pocket maximum is separate.
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.
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 71-005). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.
Get prescriptions delivered right to your door
All FEP Blue Standard members get access to our Mail Service Pharmacy Program. It’s a convenient way to get any prescription drugs you take regularly sent to your home. You can use your MyBlue® account to access the Mail Service Pharmacy and place mail order prescriptions.
Learn More