skip to main content
Open to Everyone.
Standard option

Standard Option

This Plan is Your Plan

That's you, federal employees. No matter what job you do in the service of the U.S. public, this plan is your plan. Whether it's coordinating services, providing nurse support around the clock or paying claims quickly and accurately, MHBP is there when you need us.  Plus, MHBP is backed by Aetna, a CVS Health Company - a name you know and trust.

MHBP provides federal employee health plans with:

  • Outstanding plan satisfaction, per OPM.gov Consumer Satisfaction Survey Results
  • A large, nationwide network of doctors and hospitals
  • No referrals required to see specialists

For the sixth year in a row, we've lowered rates** on our MHBP Standard Option, all while raising our quality standards.

Complete coverage at a price that may surprise you. With copays for most services, the MHBP Standard Option will help make your out-of-pocket expenses more predictable.

Standard Option's In-Network Benefits Have You Covered

This is a summary of MHBP Standard Option benefits when you use network providers. Do not rely on this list alone. Not all benefits are shown below.

100% coverage for routine services when you use a doctor that's part of our network, with No Deductible

  • Annual routine physical exam (age 18 and over)
  • Routine immunizations
  • Covered wellness screenings such as mammograms and cholesterol test
  • Well-child care visits and immunizations
  • Complete maternity care—including inpatient hospital care, pre- and postnatal care and anesthesia
  • You pay nothing for covered lab tests with the Lab Savings Program through Quest Diagnostics® or LabCorp®

Predictability for the not-so-routine services

  • $20 adult primary care doctor's office visit copay ($10 for dependent children under age 22)
  • $30 specialist visit copay
  • $5 convenient care center visit copay
  • $5 copay for generic medications from network retail pharmacies
  • $20 copay for chiropractic visits (up to the 26-visit maximum, includes chiropractic and alternative therapies combined)

Comprehensive coverage when you need it most. You pay:

  • $200 copay per inpatient hospital admission and 10% of Plan allowance for ancillary services
  • 10% of Plan allowance for surgical procedures*
  • 10% of Plan Allowance for Lab, X-ray and other Diagnostic tests*

  • *Calendar year deductible applies.
    **Except postal category I

These rates do not apply to all enrollees. If you are in a special enrollment category, please contact the agency that maintains your health benefits enrollment.

2020 Standard Option Rates and Resources
2020 Enrollment Type Federal Employees
(biweekly)
Postal Employees
(biweekly)
Annuitants
(monthly)
Category 1 Category 2
Self Only – 454 $65.87 $63.23 $54.67 $142.71
Self Plus One – 456 $151.62 $145.55 $125.84 $328.50
Self and Family – 455 $153.07 $146.95 $127.05 $331.66

This is a summary of the MHBP Standard Option. Before making a final decision, please read the official Plan brochure (RI 71-007). All benefits are subject to the definitions, limitations and exclusions set forth in the official Plan brochure. A single annual $42 associate membership fee makes all MHBP plans available to you.

These rates do not apply to all enrollees. If you are in a special enrollment category, please contact the agency that maintains your health benefits enrollment.

2019 Standard Option Rates and Resources
2019 Enrollment Type Federal Employees
(biweekly)
Postal Employees
(biweekly)
Annuitants
(monthly)
Category 1 Category 2
Self Only – 454 $66.53 $63.87 $55.22 $144.16
Self Plus One – 456 $153.15 $147.02 $127.11 $331.82
Self and Family – 455 $154.62 $148.44 $128.33 $335.01

This is a summary of the MHBP Standard Option. Before making a final decision, please read the official Plan brochure (RI 71-007). All benefits are subject to the definitions, limitations and exclusions set forth in the official Plan brochure. A single annual $42 associate membership fee makes all MHBP plans available to you.

Learn more

Official Brochure

View the MHBP Standard Option Official Plan Brochure.

Download Plan Brochure (PDF) »
Benefit Summary

Benefit Summary

View the MHBP Standard Option Benefit Summary.

Download Benefit Summary (PDF) »