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MHBP

MHBP Value Plan — Value Option

FEHB Not offered after 2026|MHBP|Traditional|PPO
Also listed as: MHBP - Value Plan

Premium

biweekly · employee pays
Self Only 2026
$67.80biweekly · employee pays
vs 2025+$7.27 +12.0%
Lowest$43.11 (2013)
Highest$67.80 (2026)
Since 2013+57.3%
Self Plus One 2026
$160.64biweekly · employee pays
vs 2025+$17.21 +12.0%
Lowest$123.93 (2020)
Highest$160.64 (2026)
Since 2016+14.6%
Self & Family 2026
$163.85biweekly · employee pays
vs 2025+$17.56 +12.0%
Lowest$102.78 (2013)
Highest$163.85 (2026)
Since 2013+59.4%

Premium history

Share
Period
Rate type

Year by year

follows the chart's share, period and rate-type selection
YearSelf OnlyΔSelf Plus OneΔSelf & FamilyΔListed as

Changelog

  • 2012
    Tracked since 2012
    Earliest plan year in the data set.
  • 2014
    Largest increase: +21.0%
    Self Only employee share went from $43.11 to $52.16.
  • 2014
    Option label changed
    “Standard” → “Value”
  • 2016
    Self Plus One enrollment added
    OPM introduced the Self Plus One enrollment type government-wide in 2016.
  • 2020
    Largest decrease: -5.0%
    Self Only employee share went from $55.06 to $52.30.
  • 2020
    Renamed
    “MHBP - Value Plan” → “MHBP Value Plan”
  • 2027
    No longer offered
    Not present in OPM rate tables for 2027.

Full rate schedule

Plan year

In-network

2026 plan benefits file
Self OnlySelf Plus OneSelf & Family
Annual deductible$600$1,200$1,200
Medical account contributionNot applicableNot applicableNot applicable
Net deductible$600$1,200$1,200
Annual out-of-pocket maximum$6,600$13,200$13,200
  • Type of accountNot Applicable
  • Deductible waiver (with Medicare Part A as Primary)No
  • Deductible waiver (with Medicare Part B as Primary)No
  • Deductible waiver (with Medicare Parts A and B as Primary)No
  • Out-of-pocket maximum (with Medicare Parts A and B as Primary)$6,600
  • Primary care physician office visit (with Medicare Part B as Primary)$30 Copayment
  • Specialty office physician visit (with Medicare Part B as Primary)$50 Copayment
  • Inpatient Hospital Services (with Medicare Part A as Primary)20% Coinsurance
  • Outpatient hospital services (with Medicare Part A as Primary)20% Coinsurance
  • Outpatient physician services (with Medicare Part B as Primary)20% Coinsurance
  • Part B Premium Reimbursement (with Medicare as Primary)No
  • Requirement for Part B ReimbursementNot applicable
  • Deductible Waiver (with Medicare Advantage Part C as Primary)Not applicable
  • Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)$6,600
  • Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)$30 Copayment
  • Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)$50 Copayment
  • Inpatient Hospital Services (with Medicare Advantage Part C as Primary)20% Coinsurance
  • Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)20% Coinsurance
  • Outpatient physician services (with Medicare Advantage Part C as Primary)20% Coinsurance
  • Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)No
  • Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
  • Medicare Part D EGWP Prescription Drug Out-of-Pocket Maximum$2,000
  • Medicare Part D EGWP Tier 0Member Pays Nothing
  • Medicare Part D EGWP Tier 1$10 Copayment
  • Medicare Part D EGWP Tier 2$47 Copayment
  • Medicare Part D EGWP Tier 3$100 Copayment
  • Medicare Part D EGWP Tier 433% Coinsurance
  • Medicare Part D EGWP Tier 5Not applicable
  • Medicare Part D EGWP Tier 6Not applicable
  • Preventive CareMember Pays Nothing
  • Primary Care Office Visit$30 Copayment
  • Specialist Office Visit$50 Copayment
  • Emergency Care20% Coinsurance
  • Urgent Care20% Coinsurance
  • 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)20% Coinsurance
  • Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)20% Coinsurance
  • Enhanced Lab NetworkMember Pays Nothing
  • Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
  • Tier 0Member Pays Nothing
  • Tier 1$10 Copayment
  • Tier 245% Coinsurance
  • Tier 375% Coinsurance
  • Tier 450% Coinsurance
  • Tier 550% Coinsurance
  • Tier 650% Coinsurance
  • Mail Service Pharmacy Benefit (Prescription Drugs)Yes
  • Mail Order Pharmacy Restriction (Prescription Drugs)Yes
  • Specialty Pharmacy Restriction (Prescription Drugs)Yes
  • Applied Behavioral Analysis (ABA)20% Coinsurance
  • Chiropractic20% Coinsurance
  • Occupational Therapy20% Coinsurance
  • Physical Therapy20% Coinsurance
  • Speech Therapy20% Coinsurance
  • 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)20% Coinsurance
  • Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)20% Coinsurance
  • 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 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 Care20% Coinsurance
  • Home Health Services (Skilled Nursing Care)20% Coinsurance
  • Durable Medical Equipment20% Coinsurance
  • Outpatient Rehabilitation (Skilled Nursing Care Facility)20% Coinsurance
  • Diabetes Education20% Coinsurance
  • 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
  • EyeglassesCovered
  • Contact LensesCovered
  • Acupuncture20% Coinsurance
  • Chronic Disease Management: Heart DiseaseCovered
  • Chronic Disease Management: ObesityCovered
  • Chronic Disease Management: HypertensionCovered
  • Chronic Disease Management: AsthmaCovered

Out-of-network

2026 plan benefits file
Self OnlySelf Plus OneSelf & Family
Annual deductible$900$1,800$1,800
Medical account contributionNot applicableNot applicableNot applicable
Net deductible$900$1,800$1,800
Annual out-of-pocket maximum$10,000$20,000$20,000
  • Type of accountNot Applicable
  • Deductible waiver (with Medicare Part A as Primary)No
  • Deductible waiver (with Medicare Part B as Primary)No
  • Deductible waiver (with Medicare Parts A and B as Primary)No
  • Out-of-pocket maximum (with Medicare Parts A and B as Primary)$10,000
  • Primary care physician office visit (with Medicare Part B as Primary)40% Coinsurance
  • Specialty office physician visit (with Medicare Part B as Primary)40% Coinsurance
  • Inpatient Hospital Services (with Medicare Part A as Primary)40% Coinsurance
  • Outpatient hospital services (with Medicare Part A as Primary)40% Coinsurance
  • Outpatient physician services (with Medicare Part B as Primary)40% Coinsurance
  • Part B Premium Reimbursement (with Medicare as Primary)No
  • Requirement for Part B ReimbursementNot applicable
  • Deductible Waiver (with Medicare Advantage Part C as Primary)Not applicable
  • Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)$10,000
  • Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)40% Coinsurance
  • Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)40% Coinsurance
  • Inpatient Hospital Services (with Medicare Advantage Part C as Primary)40% Coinsurance
  • Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)40% Coinsurance
  • Outpatient physician services (with Medicare Advantage Part C as Primary)40% Coinsurance
  • Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)No
  • Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
  • Medicare Part D EGWP Prescription Drug Out-of-Pocket Maximum$2,000
  • Medicare Part D EGWP Tier 0Member Pays Nothing
  • Medicare Part D EGWP Tier 1$10 Copayment
  • Medicare Part D EGWP Tier 2$47 Copayment
  • Medicare Part D EGWP Tier 3$100 Copayment
  • Medicare Part D EGWP Tier 433% Coinsurance
  • Medicare Part D EGWP Tier 5Not applicable
  • Medicare Part D EGWP Tier 6Not applicable
  • Preventive Care40% Coinsurance
  • Primary Care Office Visit40% Coinsurance
  • Specialist Office Visit40% Coinsurance
  • Emergency Care40% Coinsurance
  • Urgent Care40% Coinsurance
  • Doctor Costs for Inpatient Surgery40% Coinsurance
  • Hospital Inpatient Cost Per Admission40% Coinsurance
  • Hospital Room Costs40% Coinsurance
  • Other Inpatient Hospital Costs40% Coinsurance
  • Doctor Costs for Outpatient Surgery40% Coinsurance
  • Other Outpatient Surgery Costs40% Coinsurance
  • Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)40% Coinsurance
  • Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)40% Coinsurance
  • Enhanced Lab NetworkNot applicable
  • Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
  • Tier 0Member Pays All Charges
  • Tier 1Member Pays All Charges
  • Tier 2Member Pays All Charges
  • Tier 3Member Pays All Charges
  • Tier 4Member Pays All Charges
  • Tier 5Member Pays All Charges
  • Tier 6Member Pays All Charges
  • Mail Service Pharmacy Benefit (Prescription Drugs)No
  • Mail Order Pharmacy Restriction (Prescription Drugs)Not applicable
  • Specialty Pharmacy Restriction (Prescription Drugs)Not applicable
  • Applied Behavioral Analysis (ABA)40% Coinsurance
  • ChiropracticMember Pays All Charges
  • Occupational Therapy40% Coinsurance
  • Physical Therapy40% Coinsurance
  • Speech Therapy40% Coinsurance
  • Professional Services (Mental Health and Substance Use Disorder)40% Coinsurance
  • Inpatient Hospital (Mental Health and Substance Use Disorder Services)40% Coinsurance
  • Outpatient Hospital (Mental Health and Substance Use Disorder Services)40% Coinsurance
  • Diagnosis and Treatment (Infertility Services)40% Coinsurance
  • Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)40% Coinsurance
  • Artificial Insemination Services (e.g. ICI, IVI, IUI)40% Coinsurance
  • Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
  • Surgical Procedures40% Coinsurance
  • Reconstructive Surgery40% Coinsurance
  • Hearing ServicesMember Pays Nothing
  • Hearing Aids (external)Covered
  • Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)40% Coinsurance
  • Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)40% Coinsurance
  • Hospice Care40% Coinsurance
  • Home Health Services (Skilled Nursing Care)40% Coinsurance
  • Durable Medical Equipment40% Coinsurance
  • Outpatient Rehabilitation (Skilled Nursing Care Facility)40% Coinsurance
  • Diabetes EducationMember Pays All Charges
  • Nutritional Counseling40% 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
  • EyeglassesCovered
  • Contact LensesCovered
  • Acupuncture40% Coinsurance
  • Chronic Disease Management: Heart DiseaseCovered
  • Chronic Disease Management: ObesityCovered
  • Chronic Disease Management: HypertensionCovered
  • Chronic Disease Management: AsthmaCovered
Offered nationwide.

Service area description

StateDescription
NationwideNationwide

Service area over time

YearStates / areas listed
2026Nationwide
2025Nationwide
2024Nationwide
2023Nationwide
2022Nationwide
2021Nationwide
2020Nationwide
2019Nationwide
2018Nationwide
2017Nationwide
2016Nationwide