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Consumer Option (HDHP)

Health coverage + health savings

A health plan + savings account that’s there for you

The MHBP Consumer Option is a high-deductible health plan (HDHP) with a health savings account (HSA). 

The Plan will deposit up to $2,400 per year for a Self and Family or Self Plus One enrollment ($1,200 Self Only) into your HSA for you. Use it to pay for health expenses, or watch your savings grow as they roll over. And Network preventive care is covered at 100% with no deductible. After you meet your deductible, you pay low copayments — or nothing at all — for covered care.

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2024 CONSUMER OPTION RATES (HDHP)

Federal Employees (biweekly)

Annuitants (monthly)

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.

Why choose MHBP:

Enroll today and discover countless reasons to smile!

Great coverage. Low rates. Wellness rewards.

The MHBP Consumer Option comes with a tax-advantaged Health Savings Account (HSA)

This is a summary of MHBP Consumer Option benefits when you use a doctor in our network. Do not rely on this list alone. Not all benefits are shown below.
Network Benefit Cost
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*
up to 40-visit maximum
Alternative Care (Acupuncture) $15 copay*
up to 40-visit maximum
Maternity You pay nothing*
Emergency Room Visits $50 copay*. Copay is waived if admitted to the hospital
Urgent Care Center Visits $50 copay*
Hospitalization $75 copay per day $750 max. per admission*
Prescription Drugs, Generic (retail) $10 copay
Calendar Year Deductible (a separate deductible applies to Non-Network benefits) $2,000 Self only
$4,000 Self plus one or self and family
* Indicates calendar year deductible applies before benefits begin.

Plans for a healthier you

Looking for a better health plan? Look no further than MHBP. With 3 plan options, you’re sure to find a plan that fits your needs, lifestyle and budget. Download the brochure to learn more.

Have questions? We’re here.

Call 1-800-410-7778 (TTY: 711)
24 hours a day, 7 days a week, except certain holidays

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.

Consumer Option members must meet their deductible before benefits apply.

Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. However, such services are covered at negotiated contract rates. This benefit is not available in all states. Aetna® and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.

Teladoc Health® and Teladoc physicians are independent contractors and are not agents of Aetna. Visit Teladoc.com/Aetna for a complete description of the limitations of Teladoc Health services. Teladoc, Teladoc Health and the Teladoc Health logo are registered trademarks of Teladoc Health, Inc. Aetna is the brand name for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

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.

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.

©2024 Aetna Inc.