MHBP offers three health plan choices to fit your family’s needs

Your family’s health needs can change. MHBP has the coverage and benefits designed to help you roll with the punches. MHBP’s plans for federal employees are made to make the care your family needs more accessible and affordable.

  View the MHBP Plans Overview Brochure and learn how we offer choices to fit your family’s needs.

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MHBP Benefit Highlights – What You Pay In-Network

Please do not rely on this chart alone. Below is a summary of covered expenses. For more detail about definitions, limitations, and exclusions please refer to the Official Plan Brochure. A single annual $52 Associate Membership fee makes all MHBP plans available to all federal employees.

Summary of covered expenses comparison chart
Care Type Standard Option Consumer Option (HDHP) Value Plan
Preventive Care You Pay Nothing You Pay Nothing You Pay Nothing
Primary Care Doctors’ Visits $20 copay, adult

$10 copay, dependents through age 21

$15 copay* $30 copay, adult

$10 copay, dependents through age 21

Specialist Visits $30 copay $15 copay* $50 copay*
MinuteClinic® Visits You Pay Nothing You Pay Nothing* You Pay Nothing
Convenient Care Clinic Visits $5 copay $5 copay* $15 copay, adult

$5 copay, dependents through age 21

Lab Savings Program You pay nothing for covered lab tests with the Lab Savings Program when LabCorp® or Quest Diagnostics™ performs the tests You pay nothing* for covered lab tests with the Lab Savings Program when LabCorp® or Quest Diagnostics™ performs the tests You pay nothing for covered lab tests with the Lab Savings Program when LabCorp® or Quest Diagnostics™ performs the tests
Alternative Care (Chiropractic) $20 copay per visit up to 40-visit combined maximum $15 copay* per visit up to 40-visit combined maximum 20% of the Plan allowance* up to 40-visit maximum
Alternative Care (Acupuncture) 10% of the Plan allowance 40-visit combined maximum $15 copay* per visit up to 40-visit combined maximum 20% of the Plan allowance* up to 40-visit maximum
Maternity You Pay Nothing You Pay Nothing, after deductible* You Pay Nothing
Emergency Room Visits $200 copay*

(No deductible for accidental injury)

$50 copay* 20% of Plan allowance*
Urgent Care Center Visits $50 copay*

(No deductible for accidental injury)

$50 copay* 20% of Plan allowance*

(No deductible for accidental injury)

Hospitalization $200 copay per admission and 10% of

Plan allowance for ancillary services

$75 copay per day, up to $750

maximum per admission*

20% of Plan allowance*
Prescription Drugs, Generic (retail) $5 copay $10 copay* $10 copay
Calendar Year Deductible

(a separate deductible applies to
Non-Network benefits)

$350 per person
$700 per family
$2,000 Self Only

$4,000 Self Plus One or Self and

Family

$600 per person

$1,200 per family

Learn more about the Standard Option >> Learn more about the Consumer Option (HDHP) >> Learn more about the Value Plan >>
*Must meet deductible first

2023 – Plan Rates and Options Comparison Chart

These rates don’t apply to all enrollees. If you are in a special enrollment category, please contact the agency that maintains your health benefits enrollment.

Summary of covered expenses comparison chart
2023 Enrollment Type Standard Option Consumer Option (HDHP) Value Plan
Federal employees (biweekly) Annuitants (monthly) Enrollment code Federal employees (biweekly) Annuitants (monthly) Enrollment code Federal employees (biweekly) Annuitants (monthly) Enrollment code
Self Only $80.61 $174.65 454 $78.69 $170.50 481 $58.20 $126.11 414
Self Plus One $185.54 $402.01 456 $174.14 $377.31 483 $137.91 $298.81 416
Self and Family $187.33 $405.55 455 $182.85 $396.17 482 $140.66 $304.77 415
Learn more about the Standard Option >> Learn more about the Consumer Option (HDHP)>> Learn more about the Value Plan >>

Learn More

View the Official Plan Brochure for details about MHBP health benefits plans.
Download Official Plan Brochures

How to Enroll

Get the information you need to become a member in one of MHBP’s affordable nationwide health plans.
Learn How to Enroll