A New Standard for Federal Employee Health Plans to fit your family’s needs.
MHBP Consumer Option (HDHP) is part health plan, part savings account that’s there when you need it.
MHBP provides federal employee health plans with:
Outstanding plan satisfaction
Outstanding plan satisfaction, per OPM.gov Consumer Satisfaction Survey Results
A large, nationwide network
A large, nationwide network of over 1.6 million providers and hospitals. When you need care, it’s never too far.
Worldwide coverage
Worldwide coverage available.
No referrals required to see specialists
No referrals required to see specialists.No jumping through hoops to see the right doctor.
The Consumer Option (HDHP) comes with a tax-advantaged Health Savings Account (HSA)
Get up to $2,400 per year
We contribute up to $2,400 per year for Self Plus One or Self and Family coverage ($1,200 for Self Only) to use for qualified medical expenses. The money is yours to spend or save.
You own your HSA
We contribute up to $2,400 per year for Self Plus One or Self and Family coverage ($1,200 for Self Only) to use for qualified medical expenses. The money is yours to spend or save.
A debit card that gives you easy access
A debit card that gives you easy access to your HSA funds. Use it when you need to pay for qualified medical expenses.
Rollover HSA funds from year to year
Rollover HSA funds from year to year—there is no “use it or lose it” rule. Any unused funds in your HSA roll over from year to year, so you can use them to pay for future health care expenses.
| Preventive Care | You Pay Nothing |
|---|---|
| Primary Care Doctors’ Visits | $15 copay* |
| Specialist Visits | $15 copay* |
| MinuteClinic® Visits | You Pay Nothing* |
| Walk-in Clinic Visits | $5 copay* |
| Lab Savings Program | You pay nothing* for covered lab tests with the Lab Savings Program when LabCorp® or Quest Diagnostics™ performs the tests |
| Alternative Care (Chiropractic) | $15 copay* per visit up to 40-visit combined maximum |
| Alternative Care (Acupuncture) | $15 copay* per visit up to 40-visit combined maximum |
| Maternity | You Pay Nothing, after deductible* |
| Emergency Room Visits | $50 copay* |
| Urgent Care Center Visits | $50 copay* |
| Hospitalization | $75 copay per day, up to $750
maximum per admission* |
| Prescription Drugs, Generic (retail) | $10 copay* |
| Calendar Year Deductible
(a separate deductible applies to |
$2,000 Self Only
$4,000 Self Plus One or Self and Family |
* Indicates calendar year deductible applies before benefits begin.
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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.
| 2023 Enrollment Type | Federal Employees (biweekly) |
Annuitants (monthly) |
|---|---|---|
| Self Only – 481 | $78.69 | $170.50 |
| Self Plus One – 483 | $174.14 | $377.31 |
| Self and Family – 482 | $182.85 | $396.17 |
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 MHBP Consumer Option. Before making a final decision, please read the official Plan brochure (RI 71-016). 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.
Official Brochure
View the MHBP Consumer Option Official Plan Brochure.
Download Plan Brochure (PDF)
