Compare Our FEHB Plans
See the differences between benefits and coverage for our three plan options side by side.
What's the difference between coverage options?
FEP Blue Focus®
- Must stay in-network
- Out-of-pocket costs include copays and coinsurance
- Earn $150 on your MyBlue® Wellness Card for getting an annual physical
- Has a deductible
FEP Blue Basic®
- Must stay in-network
- Most out-of-pocket costs are copays
- Earn up to $170 a year on your MyBlue® Wellness Card
- Eligible members with Medicare can get up to $800 Medicare Part B reimbursement
- Access to Mail Service Pharmacy Program for members with Medicare Part B
- Has no deductible
FEP Blue Standard®
- Can see any provider, even outside the network
- Out-of-pocket costs include copays and coinsurance
- Access to Mail Service Pharmacy Program
- Earn up to $170 a year on your MyBlue® Wellness Card
- Has a deductible
2026 FEHB Plan 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 |
| 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 |
| 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 |
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 |
|
|
| Mental Health Visits | $10 copay per visit for your first 10 primary and/or specialty care visits combined | $30 copay | $25 copay |
| 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^:
Specialty Pharmacy^:
|
If you have Medicare Part B primary, your costs for prescription drugs may be lower. Retail Pharmacy^:
Mail Service Pharmacy^: Available to members with Medicare Part B primary only. Visit the Medicare page for more information.
Specialty Pharmacy^:
|
Retail Pharmacy^:
Mail Service Pharmacy:
Specialty Pharmacy^:
|
| FEP Medicare Prescription Drug Program |
Not a benefit |
Retail Pharmacy^:
|
Retail Pharmacy^:
Mail Service Pharmacy:
|
| Maternity Care |
|
|
$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*
|
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*
|
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
|
|
|
| Network Coverage | In-network care only, except in certain situations like emergency care | In-network care only, except in certain situations like emergency care | In-network and out-of-network care |
| Annual Deductible |
|
No deductible |
|
| Out-of-Pocket Maximum (PPO) |
|
|
|
| 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.
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.