FOR
Foreign Service Benefit Plan — High Option
FEHB Offered in 2027|Foreign Service Benefit Plan|Traditional|PPO
Premium
biweekly · employee paysSelf Only
$143.75biweekly · employee pays
vs 2026+$43.39 +43.2%
Lowest$57.28 (2013)
Highest$143.75 (2027)
Since 2013+151.0%
Self Plus One
$429.35biweekly · employee pays
vs 2026+$171.39 +66.4%
Lowest$157.84 (2017)
Highest$429.35 (2027)
Since 2016+171.8%
Self & Family
$382.65biweekly · employee pays
vs 2026+$134.38 +54.1%
Lowest$141.13 (2013)
Highest$382.65 (2027)
Since 2013+171.1%
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
- 2012Tracked since 2012Earliest plan year in the data set.
- 2016Self Plus One enrollment addedOPM introduced the Self Plus One enrollment type government-wide in 2016.
- 2027Largest increase: +43.2%Self Only employee share went from $100.36 to $143.75.
Full rate schedule
Plan yearIn-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $300 | $600 | $600 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $300 | $600 | $600 |
| Annual out-of-pocket maximum | $6,000 | $12,000 | $12,000 |
| Prescription out-of-pocket maximum | $6,000 | $12,000 | $12,000 |
- Type of accountNot Applicable
- Total Annual Part B Premium Reimbursement Amount per enrollee (PDP)$0
- Medicare Part D EGWP Prescription Drug Out-of-Pocket Maximum per enrollee$2,400
- Total Annual Part B Premium Reimbursement Amount Per Enrollee (MAPD)$2,000
- Tier 0$0 Copayment
- Tier 1$12 Copayment
- Tier 235% Coinsurance
- Tier 345% Coinsurance
- Tier 435% Coinsurance
- Tier 535% Coinsurance
- Tier 650% 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$6,000
- 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 A0% Coinsurance
- 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 CDeductible waived
- Out-of-Pocket Maximum with Part C$2,400
- Primary Care Physician Office Visit with Medicare Advantage (Part C) Primary$0 Copayment
- 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 C$900 Maximum
- Preventive CareMember Pays Nothing
- Primary Care Office Visit10%
- Specialist Office Visit10%
- Emergency Care10%
- Urgent Care$35 Copayment
- Doctor Costs for Inpatient Surgery10%
- Hospital Inpatient Cost Per Admission$250 Copayment
- Hospital Room CostsMember Pays Nothing
- Other Inpatient Hospital CostsMember Pays Nothing
- Doctor Costs for Outpatient Surgery10%
- Other Outpatient Surgery Costs10%
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)10%
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)10%
- Enhanced Lab NetworkMember Pays Nothing
- Applied Behavioral Analysis (ABA)10% Coinsurance
- Chiropractic$75
- Occupational Therapy10%
- Physical Therapy10%
- Speech Therapy10%
- Professional Services (Mental Health and Substance Use Disorder)10%
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)Member Pays Nothing
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)10%
- Diagnosis and Treatment (Infertility Services)10%
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)10%
- Artificial Insemination Services (e.g. ICI, IVI, IUI)10%
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)10%
- Surgical Procedures10%
- Reconstructive Surgery10%
- Hearing ServicesMember Pays Nothing
- 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)Member Pays Nothing
- Hospice Care10%
- Home Health Services (Skilled Nursing Care)10%
- Durable Medical Equipment10%
- Outpatient Rehabilitation (Skilled Nursing Care Facility)10%
- Diabetes Education10%
- Nutritional CounselingMember Pays Nothing
- Routine Dental Exams and Cleaning for AdultsCovered
- Routine Dental Exams and Cleaning for ChildrenCovered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- AcupunctureMember Pays Nothing
- 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 | $400 | $800 | $800 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $400 | $800 | $800 |
| Annual out-of-pocket maximum | $8,000 | $16,000 | $16,000 |
- Type of accountNot Applicable
- Tier 0$999 Copayment
- Tier 1$999 Copayment
- Tier 2$999 Copayment
- Tier 3$999 Copayment
- Tier 4$999 Copayment
- Tier 5$999 Copayment
- Tier 6$999 Copayment
- 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$8,000
- 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 A0% Coinsurance
- 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 CDeductible waived
- Out-of-Pocket Maximum with Part C$2,400
- Primary Care Physician Office Visit with Medicare Advantage (Part C) Primary$0 Copayment
- 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 C$900 Maximum
- Preventive Care30%
- Primary Care Office Visit30%
- Specialist Office Visit30%
- Emergency Care10%
- Urgent Care$35 Copayment
- Doctor Costs for Inpatient Surgery30%
- Hospital Inpatient Cost Per Admission$500
- Hospital Room Costs20%
- Other Inpatient Hospital Costs20%
- Doctor Costs for Outpatient Surgery30%
- Other Outpatient Surgery Costs30%
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)30%
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)30%
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)30% Coinsurance
- Chiropractic$75
- Occupational Therapy30%
- Physical Therapy30%
- Speech Therapy30%
- Professional Services (Mental Health and Substance Use Disorder)30%
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)20%
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)30%
- Diagnosis and Treatment (Infertility Services)30%
- 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 Procedures30%
- Reconstructive Surgery30%
- Hearing Services30%
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)30%
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)30%
- Hospice Care10%
- Home Health Services (Skilled Nursing Care)30%
- Durable Medical Equipment30%
- Outpatient Rehabilitation (Skilled Nursing Care Facility)30%
- Diabetes Education30%
- Nutritional Counseling30%
- Routine Dental Exams and Cleaning for AdultsCovered
- Routine Dental Exams and Cleaning for ChildrenCovered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- AcupunctureMember Pays Nothing
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
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 |
| 2019 | Nationwide |
| 2018 | Nationwide |
| 2017 | Nationwide |
| 2016 | Nationwide |