Standard Option
Low rates + rich benefits
Comprehensive coverage at an affordable price
The MHBP Standard Option is setting a higher standard for federal employee health plans — at a lower cost.
The plan’s low copayments keep your costs down and out-of-pocket expenses predictable. With network providers, the plan pays 100 percent for annual exams, lab tests, maternity care and more. For services like diagnostic tests or surgery, this plan has you covered.
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2025 STANDARD OPTION RATES
These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer which maintains your health benefits enrollment.
Federal Employees (biweekly)
- Self Only (CODE 454): $83.83
- Self Plus One (CODE 456): $192.97
- Self and Family (CODE 455): $194.82
Annuitants (monthly)
- Self Only (CODE 454): $181.64
- Self Plus One (CODE 456): $418.10
- Self and Family (CODE 455): $422.11
Postal service employee or retiree? Visit MHBPPostal.com for your rates and enrollment codes.
Why choose MHBP:
- 24/7 dedicated customer service team (except certain holidays).
- Outstanding plan satisfaction, per OPM.gov Consumer Satisfaction Survey Results. If you aren’t happy, we aren’t happy.
- A large, nationwide network of over 1.9 million capable care providers and hospitals. When you need care, it’s never too far.
- No referrals required to see a specialist. No jumping through hoops to see the right doctor.
- Worldwide coverage for living, working, or traveling abroad.
Enroll today and discover countless reasons to smile!
Great coverage. Low rates. Wellness rewards.
- Up to $350 in wellness rewards
- No out-of-pocket costs for maternity care
- 40 alternative care visits per year for chiropractic care and acupuncture combined
- No additional cost MinuteClinic® visits at a CVS Pharmacy®
- No additional cost for telehealth services through Teladoc Health®
- No additional cost for Lab Savings Program
MHBP’s Standard Option in-network benefits have you covered
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.
Plans for a healthier you
Looking for a better health plan? Look no further than MHBP. With three MHBP plan options, find a health plan to fit your needs, with coverage at affordable rates. Download the brochure to learn more.
Have questions? We’re here.
Get Live Help
Have questions or need help selecting a plan? We offer multiple ways to get live help. Don’t wait, our friendly representatives are here for you.
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 $52 associate membership fee makes all MHBP plans available to you.
Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. Members enrolled in qualified high-deductible health plans must meet their deductible before receiving covered non-preventive MinuteClinic services at no cost-share. However, such services are covered at negotiated contract rates. This benefit is not available in all states and on indemnity plans.
Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.
Quest, Quest Diagnostics, any associated logos, and all associated Quest Diagnostics registered or unregistered trademarks are the property of Quest Diagnostics. LabCorp trademark is the property of LabCorp.