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Open to Everyone.
Consumer Option

Consumer 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 Consumer Satisfaction Survey Results
  • A large, nationwide network of doctors and hospitals
  • No referrals required to see specialists

If you like being in control and can pay for your health care until your deductible is met, MHBP Consumer Option is just what you’ve been looking for. Your preventive care is covered at 100 percent. Plus, we contribute up to $2,400 tax-free to your Health Savings Account (HSA). You own your HSA and can use those funds for covered care or save for future needs.

MHBP Consumer Option’s In-Network Benefits Are Just What You Need

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.

Preventive care benefits with No Copayment and No Deductible (Non-Network benefits are not available)

  • 100% for one annual routine physical exam (adults, age 18 and over)
  • 100% for well-child care visits
  • 100% for covered wellness screenings such as mammograms, cholesterol tests and more
  • 100% for covered immunizations, including flu shots

After you meet your deductible, you pay only low copayments – or Nothing – for your covered care

  • $15 doctor’s office visit copay – primary care or specialist
  • $5 convenient care center visit copay
  • $10 for generic medications from network retail pharmacies
  • $75 per day, limited to $750 per admission, for inpatient hospitalization
  • Nothing for maternity care

And Consumer Option comes with a tax-advantaged Health Savings Account (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.
  • You own your HSA. We’ll help you open the account, which doesn’t cost you anything, and we’ll make monthly deposits. You can make deposits too. All deposits are federal tax-free, up to IRS defined limits.
  • 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—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.


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 Consumer Option Rates and Resources
2020 Enrollment Type Federal Employees
Postal Employees
(biweekly) Category 1
Postal Employees
(biweekly) Category 2
Self Only – 481 $66.15 $63.50 $54.90 $143.32
Self Plus One – 483 $146.38 $140.53 $121.50 $317.16
Self and Family – 482 $153.70 $147.55 $127.57 $333.02

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 $42 associate membership fee makes all MHBP plans available to you.

Official Brochure

View the MHBP Consumer Option Official Plan Brochure.

Download Plan Brochure (PDF) »

Benefit Summary

View the MHBP Consumer Option Benefit Summary.

Download Benefit Summary (PDF) »