PCA
Panama Canal Area Benefit Plan — FFS Plan with a POS Option
FEHB Offered in 2027|Panama Canal Area Benefit Plan|Traditional|PPO
Premium
biweekly · employee paysSelf Only
$256.25biweekly · employee pays
vs 2026−$49.33 -16.1%
Lowest$51.55 (2013)
Highest$305.58 (2026)
Since 2013+397.1%
Self Plus One
$457.87biweekly · employee pays
vs 2026−$100.81 -18.0%
Lowest$119.08 (2016)
Highest$558.68 (2026)
Since 2016+284.5%
Self & Family
$437.78biweekly · employee pays
vs 2026−$112.27 -20.4%
Lowest$107.61 (2013)
Highest$550.05 (2026)
Since 2013+306.8%
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.
- 2026Largest increase: +139.1%Self Only employee share went from $127.83 to $305.58.
- 2026Option label changed“High” → “FFS Plan with a POS Option”
- 2027Largest decrease: -16.1%Self Only employee share went from $305.58 to $256.25.
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 | $12,000 | $24,000 | $24,000 |
- Type of accountNot Applicable
- Tier 00% Coinsurance
- Tier 120% Coinsurance
- Tier 230% 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 Nothing
- Primary Care Office Visit$10 Copayment
- Specialist Office Visit$10 Copayment
- Emergency Care$100 Copayment
- Urgent CareMember Pays Nothing
- Doctor Costs for Inpatient SurgeryMember Pays Nothing
- Hospital Inpatient Cost Per Admission$100 Copayment
- Hospital Room CostsMember Pays Nothing
- Other Inpatient Hospital CostsMember Pays Nothing
- Doctor Costs for Outpatient SurgeryMember Pays Nothing
- Other Outpatient Surgery CostsMember Pays Nothing
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)$10 Copayment
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)$40 Copayment
- Enhanced Lab NetworkNot applicable
- Applied Behavioral Analysis (ABA)Member Pays All Charges
- Chiropractic$10 Copayment
- Occupational TherapyMember Pays Nothing
- Physical TherapyMember Pays Nothing
- Speech TherapyMember Pays Nothing
- Professional Services (Mental Health and Substance Use Disorder)$5 Copayment
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)$25 Copayment
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)Member Pays Nothing
- Diagnosis and Treatment (Infertility Services)$5 Copayment
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)$5 Copayment
- Artificial Insemination Services (e.g. ICI, IVI, IUI)$5 Copayment
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical ProceduresMember Pays Nothing
- Reconstructive SurgeryMember Pays Nothing
- Hearing Services$10 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)Member Pays Nothing
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)Member Pays Nothing
- Durable Medical Equipment30%
- Outpatient Rehabilitation (Skilled Nursing Care Facility)Member Pays Nothing
- Diabetes EducationMember Pays Nothing
- 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 TreatmentNot Covered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture$10 Copayment
- Chronic Disease Management: Heart DiseaseNot Covered
- Chronic Disease Management: ObesityNot Covered
- Chronic Disease Management: HypertensionNot Covered
- Chronic Disease Management: AsthmaNot Covered
Out-of-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 | $12,000 | $24,000 | $24,000 |
- Type of accountNot Applicable
- Tier 00% Coinsurance
- Tier 120% Coinsurance
- Tier 230% 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 PrimaryMember Pays All Charges
- 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 Care50% Coinsurance
- Primary Care Office Visit50%
- Specialist Office Visit50%
- Emergency Care50%
- Urgent Care50%
- Doctor Costs for Inpatient Surgery50%
- Hospital Inpatient Cost Per Admission$100 Copayment
- Hospital Room Costs50%
- Other Inpatient Hospital Costs50%
- Doctor Costs for Outpatient Surgery50%
- Other Outpatient Surgery Costs50%
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)50%
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)50%
- Enhanced Lab Network50%
- Applied Behavioral Analysis (ABA)Member Pays All Charges
- Chiropractic50%
- Occupational Therapy50%
- Physical Therapy50%
- Speech Therapy50%
- Professional Services (Mental Health and Substance Use Disorder)50%
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)50%
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)50%
- Diagnosis and Treatment (Infertility Services)50%
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)50%
- Artificial Insemination Services (e.g. ICI, IVI, IUI)50%
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures50%
- Reconstructive Surgery50%
- Hearing Services50%
- 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 Care50%
- Home Health Services (Skilled Nursing Care)50%
- Durable Medical Equipment30%
- Outpatient Rehabilitation (Skilled Nursing Care Facility)50%
- Diabetes EducationMember Pays All Charges
- 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 TreatmentNot Covered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture50%
- 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 |
| 2019 | Nationwide |
| 2018 | Nationwide |
| 2017 | Nationwide |
| 2016 | Nationwide |