GEHA
G.E.H.A Indemnity Benefit Plan — Elevate Plus Option
FEHB Offered in 2027|GEHA Indemnity Benefit Plan|Traditional|EPO
Also listed as: GEHA Indemnity Benefit Plan
Premium
biweekly · employee paysSelf Only
$262.63biweekly · employee pays
vs 2026+$57.50 +28.0%
Lowest$72.67 (2020)
Highest$262.63 (2027)
Since 2020+261.4%
Self Plus One
$578.95biweekly · employee pays
vs 2026+$129.37 +28.8%
Lowest$170.27 (2020)
Highest$578.95 (2027)
Since 2020+240.0%
Self & Family
$634.19biweekly · employee pays
vs 2026+$138.07 +27.8%
Lowest$180.23 (2020)
Highest$634.19 (2027)
Since 2020+251.9%
Premium history
SharePeriodRate type
Year by year
follows the chart's share, period and rate-type selection| Year | Self Only | Δ | Self Plus One | Δ | Self & Family | Δ | Listed as |
|---|
Changelog
- 2020First appears in OPM rate tablesNew plan option for 2020.
- 2026Largest increase: +43.0%Self Only employee share went from $143.49 to $205.13.
- 2026Renamed“GEHA Indemnity Benefit Plan” → “G.E.H.A Indemnity Benefit Plan”
Full rate schedule
Plan yearIn-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $200 | $400 | $400 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $200 | $400 | $400 |
| Annual out-of-pocket maximum | $7,000 | $14,000 | $14,000 |
| Prescription out-of-pocket maximum | $7,000 | $14,000 | $14,000 |
- Type of accountNot Applicable
- Tier 0$0 Copayment
- Tier 1$15 Copayment
- Tier 2$100 Copayment
- Tier 350% Coinsurance
- Tier 440% Coinsurance
- Tier 550% Coinsurance
- Mail Order PharmacyNo
- Deductible waiver (with Medicare Part A as Primary)Deductible waived
- Deductible waiver (with Medicare Part B as Primary)Deductible waived
- Deductible Waiver with Parts A & BDeductible waived
- Out-of-Pocket Maximum with Parts A & B$7,000
- Primary Care Physician Office Visit with Medicare A & B PrimaryMember Pays Nothing
- Specialty Physician Office Visit with Parts A & BMember Pays Nothing
- Inpatient Hospital Services with Parts A & BMember Pays Nothing
- Outpatient Hospital Services with Part AMember Pays Nothing
- Outpatient physician services (with Medicare Part B as Primary)Member Pays Nothing
- Part B Premium Reimbursement with Parts A & BNot applicable
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver with Part CNot applicable
- Out-of-Pocket Maximum with Part CNot applicable
- Primary Care Physician Office Visit with Medicare Advantage (Part C) PrimaryNot applicable
- Specialty Physician Office Visit with Part CNot applicable
- Inpatient Hospital Services with Part CNot applicable
- Outpatient Hospital Services with Part CNot applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement with Part CNot applicable
- Preventive CareMember Pays Nothing
- Primary Care Office Visit$30 Copayment
- Specialist Office Visit$50 Copayment
- Emergency Care25% Coinsurance
- Urgent Care$50 Copayment
- Doctor Costs for Inpatient Surgery20% Coinsurance
- Hospital Inpatient Cost Per Admission20% Coinsurance
- Hospital Room Costs20% Coinsurance
- Other Inpatient Hospital Costs20% Coinsurance
- Doctor Costs for Outpatient Surgery20% Coinsurance
- Other Outpatient Surgery Costs20% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)$50 Copayment
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)$175 Copayment
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)$30 Copayment
- Chiropractic$30 Copayment
- Occupational Therapy$50 Copayment
- Physical Therapy$50 Copayment
- Speech Therapy$50 Copayment
- Professional Services (Mental Health and Substance Use Disorder)$30 Copayment
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)20% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)20% Coinsurance
- Diagnosis and Treatment (Infertility Services)$50 Copayment
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)$50 Copayment
- Artificial Insemination Services (e.g. ICI, IVI, IUI)20% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures20% Coinsurance
- Reconstructive Surgery20% Coinsurance
- Hearing Services$50 Copayment
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays Nothing
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)20% Coinsurance
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)$30 Copayment
- Durable Medical Equipment20% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)20% Coinsurance
- Diabetes EducationMember Pays Nothing
- Nutritional CounselingMember Pays Nothing
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture$30 Copayment
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Out-of-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | Not applicable | Not applicable | Not applicable |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | Not applicable | Not applicable | Not applicable |
| Annual out-of-pocket maximum | Not applicable | Not applicable | Not applicable |
- Type of accountNot Applicable
- Tier 0100% Coinsurance
- Tier 1100% Coinsurance
- Tier 2100% Coinsurance
- Tier 3100% Coinsurance
- Tier 4100% Coinsurance
- Tier 5100% Coinsurance
- Mail Order PharmacyNo
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible Waiver with Parts A & BNot applicable
- Out-of-Pocket Maximum with Parts A & BNot applicable
- Primary Care Physician Office Visit with Medicare A & B PrimaryNot applicable
- Specialty Physician Office Visit with Parts A & BNot applicable
- Inpatient Hospital Services with Parts A & BNot applicable
- Outpatient Hospital Services with Part ANot applicable
- Outpatient physician services (with Medicare Part B as Primary)Not applicable
- Part B Premium Reimbursement with Parts A & BNot applicable
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver with Part CNot applicable
- Out-of-Pocket Maximum with Part CNot applicable
- Primary Care Physician Office Visit with Medicare Advantage (Part C) PrimaryNot applicable
- Specialty Physician Office Visit with Part CNot applicable
- Inpatient Hospital Services with Part CNot applicable
- Outpatient Hospital Services with Part CNot applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement with Part CNot applicable
- Preventive CareMember Pays All Charges
- Primary Care Office VisitMember Pays All Charges
- Specialist Office VisitMember Pays All Charges
- Emergency Care25% Coinsurance
- Urgent CareMember Pays All Charges
- Doctor Costs for Inpatient SurgeryMember Pays All Charges
- Hospital Inpatient Cost Per AdmissionMember Pays All Charges
- Hospital Room CostsMember Pays All Charges
- Other Inpatient Hospital CostsMember Pays All Charges
- Doctor Costs for Outpatient SurgeryMember Pays All Charges
- Other Outpatient Surgery CostsMember Pays All Charges
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)Member Pays All Charges
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)Member Pays All Charges
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)Member Pays All Charges
- ChiropracticMember Pays All Charges
- Occupational TherapyMember Pays All Charges
- Physical TherapyMember Pays All Charges
- Speech TherapyMember Pays All Charges
- Professional Services (Mental Health and Substance Use Disorder)Member Pays All Charges
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)Member Pays All Charges
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)Member Pays All Charges
- Diagnosis and Treatment (Infertility Services)Member Pays All Charges
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)Member Pays All Charges
- Artificial Insemination Services (e.g. ICI, IVI, IUI)Member Pays All Charges
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical ProceduresMember Pays All Charges
- Reconstructive SurgeryMember Pays All Charges
- Hearing ServicesMember Pays All Charges
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays All Charges
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)Member Pays All Charges
- Hospice CareMember Pays All Charges
- Home Health Services (Skilled Nursing Care)Member Pays All Charges
- Durable Medical EquipmentMember Pays All Charges
- Outpatient Rehabilitation (Skilled Nursing Care Facility)Member Pays All Charges
- Diabetes EducationMember Pays All Charges
- Nutritional CounselingMember Pays All Charges
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentNot Covered
- EyeglassesNot Covered
- Contact LensesNot Covered
- AcupunctureMember Pays All Charges
- Chronic Disease Management: Heart DiseaseNot Covered
- Chronic Disease Management: ObesityNot Covered
- Chronic Disease Management: HypertensionNot Covered
- Chronic Disease Management: AsthmaNot Covered
Offered nationwide.
Service area description
| State | Description |
|---|---|
| Nationwide | Nationwide |
Service area over time
| Year | States / areas listed |
|---|---|
| 2027 | Nationwide |
| 2026 | Nationwide |
| 2025 | Nationwide |
| 2024 | Nationwide |
| 2023 | Nationwide |
| 2022 | Nationwide |
| 2021 | Nationwide |
| 2020 | Nationwide |