Standard Option & Rates

MHBP Standard Option & Rates

Standard Option is our most popular plan and it continues to be one of the best choices in FEHBP. Standard Option features affordable premiums, predictable out-of-pocket costs and comprehensive care:

Affordable rates for solid coverage that meets your budget.

Great benefits—from preventive care to hospitalization, even valuable extras like chiropractic care. View a summary of our Standard Option Benefits or view the official Plan brochure for a complete description of benefits.

Low out-of-pocket costs—with low PPO copayments you can better predict your health care expenses:

• $20 adult office visit copayment ($10 for dependent children under age 22)
• $10 copayment for generic medications from in-network retail pharmacies and competitive copayments for brand name prescription drugs with NO DEDUCTIBLE
• $15 copayment for PPO chiropractic visits (up to a $2,500 maximum, includes alternative and rehabilitative therapies combined)

100% coverage for many routine services:

• 100% coverage for one annual routine physical exam (age 18 and over—after you pay the low office visit copayment)
• 100% benefit for covered wellness screenings such as mammograms, cholesterol tests and more
• 100% benefit for well-child care visits
• 100% complete maternity care—including inpatient hospital room and board, pre- and postnatal care and anesthesia.

• Standard Option Summary of Benefits
• Official Plan Brochure

2009 Standard Option Rates

Topic	Non-Postal Biweekly	Postal Biweekly	Annuitant Monthly
Standard Option Self Only (454)	$59.86	$36.07	$129.70
Standard Option Self & Family (455)	$128.66	$74.80	$278.76

Non-postal rates apply to most non-postal enrollees. If you are in a special enrollment category, refer to the FEHB guide for that category or contact the agency that maintains your health benefits enrollment. Postal rates apply to career Postal Service employees. Most employees should refer to the FEHB Guide for United States Postal Service Employees, RI 70-2. Different postal rates apply and a special FEHB guide is published for Postal Service Inspectors and Office of Inspector General (OIG) employees (see RI 70-2IN).

* Postal rates do not apply to non-career postal employees, postal retirees, or associate members of any postal employee organization who are not career postal employees. Refer to the applicable FEHB Guide.