Standard Option

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MHBP Standard Option – A Federal Employee Health Insurance Plan

Comprehensive coverage at a price that may surprise you, MHBP Standard Option will help make your out-of-pocket expenses more predictable while providing robust benefits for the unpredictable.

Standard Option's 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 Network providers, with No Deductible
  • Annual routine physical exam (age 18 and over) and immunizations
  • Covered wellness screenings such as mammograms, cholesterol tests and more
  • 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®
  • Specialty imaging services, like CAT scans and MRIs, when you use a stand-alone imaging center or clinic
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*
  • ... and much more
*Calendar year deductible applies

2017 Standard Option Rates and Resources

Standard Option Benefit Summary

Standard Option Official Plan Brochure

2017 Enrollment Type

Federal Employees

Postal Employees


Category 1

Category 2

Self Only – 454





Self Plus One – 456





Self and Family – 455





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.

This is a summary of the Mail Handlers Benefit Plan (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.

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