GEHA
G.E.H.A Indemnity Benefit Plan — Elevate Option
FEHB Offered in 2027|GEHA Indemnity Benefit Plan|Traditional|PPO
Also listed as: GEHA Indemnity Benefit Plan
Premium
biweekly · employee paysSelf Only
$77.92biweekly · employee pays
vs 2026+$0.00 0.0%
Lowest$47.32 (2020)
Highest$77.92 (2026)
Since 2020+64.7%
Self Plus One
$187.99biweekly · employee pays
vs 2026+$0.00 0.0%
Lowest$108.84 (2020)
Highest$187.99 (2026)
Since 2020+72.7%
Self & Family
$228.85biweekly · employee pays
vs 2026+$0.00 0.0%
Lowest$132.51 (2020)
Highest$228.85 (2026)
Since 2020+72.7%
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: +34.7%Self Only employee share went from $57.83 to $77.92.
- 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 | $750 | $1,500 | $1,500 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $750 | $1,500 | $1,500 |
| Annual out-of-pocket maximum | $10,600 | $21,200 | $21,200 |
| Prescription out-of-pocket maximum | $10,600 | $21,200 | $21,200 |
- Type of accountNot Applicable
- Tier 0$0 Copayment
- Tier 1$10 Copayment
- Tier 250% Coinsurance
- Tier 350% Coinsurance
- Mail Order PharmacyNo
- Deductible waiver (with Medicare Part A as Primary)No
- Deductible waiver (with Medicare Part B as Primary)No
- Deductible Waiver with Parts A & BNo
- Out-of-Pocket Maximum with Parts A & B$10,600
- 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 Nothing
- Primary Care Office Visit$10 Copayment
- Specialist Office Visit$30 Copayment
- Emergency Care35% Coinsurance
- Urgent Care$50 Copayment
- Doctor Costs for Inpatient Surgery$250 Copayment
- Hospital Inpatient Cost Per Admission25% Coinsurance
- Hospital Room Costs25% Coinsurance
- Other Inpatient Hospital Costs25% Coinsurance
- Doctor Costs for Outpatient Surgery25% Coinsurance
- Other Outpatient Surgery Costs25% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)25% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)25% Coinsurance
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)25% Coinsurance
- Chiropractic$10 Copayment
- Occupational Therapy$30 Copayment
- Physical Therapy$30 Copayment
- Speech Therapy$30 Copayment
- Professional Services (Mental Health and Substance Use Disorder)$10 Copayment
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)25% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)25% Coinsurance
- Diagnosis and Treatment (Infertility Services)$30 Copayment
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)$30 Copayment
- Artificial Insemination Services (e.g. ICI, IVI, IUI)25% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures25% Coinsurance
- Reconstructive Surgery25% Coinsurance
- Hearing Services$30 Copayment
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays Nothing
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)25% Coinsurance
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)25% Coinsurance
- Durable Medical Equipment25% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)Member Pays All Charges
- 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$10 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 | $2,000 | $4,000 | $4,000 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $2,000 | $4,000 | $4,000 |
| Annual out-of-pocket maximum | $17,000 | $34,000 | $34,000 |
- Type of accountNot Applicable
- Tier 0100% Coinsurance
- Tier 1100% Coinsurance
- Tier 2100% Coinsurance
- Tier 3100% Coinsurance
- Mail Order PharmacyNo
- Deductible waiver (with Medicare Part A as Primary)No
- Deductible waiver (with Medicare Part B as Primary)No
- Deductible Waiver with Parts A & BNo
- Out-of-Pocket Maximum with Parts A & B$17,000
- 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 Care50% Coinsurance
- Primary Care Office Visit50% Coinsurance
- Specialist Office Visit50% Coinsurance
- Emergency Care35% Coinsurance
- Urgent Care50% Coinsurance
- Doctor Costs for Inpatient Surgery50% Coinsurance
- Hospital Inpatient Cost Per Admission50% Coinsurance
- Hospital Room Costs50% Coinsurance
- Other Inpatient Hospital Costs50% Coinsurance
- Doctor Costs for Outpatient Surgery50% Coinsurance
- Other Outpatient Surgery Costs50% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)50% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)50% Coinsurance
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)50% Coinsurance
- Chiropractic50% Coinsurance
- Occupational Therapy50% Coinsurance
- Physical Therapy50% Coinsurance
- Speech Therapy50% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)50% Coinsurance
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)50% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)50% Coinsurance
- Diagnosis and Treatment (Infertility Services)50% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)50% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)50% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures50% Coinsurance
- Reconstructive Surgery50% Coinsurance
- Hearing Services50% Coinsurance
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)50% Coinsurance
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)50% Coinsurance
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)50% Coinsurance
- Durable Medical Equipment50% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)Member Pays All Charges
- Diabetes EducationMember Pays Nothing
- Nutritional Counseling50% Coinsurance
- 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
- Acupuncture50% Coinsurance
- 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 |