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Plans created for federal employees

Low rates. High standards. 24/7 customer service. Wellness rewards.      

Welcome new hires.

It’s time to choose a new health plan. We’re here to help.

Check out the 3 plan options MHBP has built just for federal employees like you. Each plan offers comprehensive coverage at low rates. And our dedicated 24/7 customer service is here whenever you need it. 

New hires have 60 days to choose a health plan

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Welcome, and congratulations on your new job. As you’re getting settled in your new role, one of the first things you’ll have to think about is your health plan. You have 60 days from the day you start working to select a plan. MHBP offers three unique plans, so we have a plan that will fit your needs.

It’s important to compare. Depending on where you live, there are as many as 250 plan choices in the Federal program. And yearly premiums can vary by more than $10,000 between the highest cost and lowest cost plans.

But first, a few quick facts. For more than 50 years, MHBP has been trusted by Federal and postal employees and retirees. Let us earn your trust, and we know we will, because of the consistently high ratings we receive each year in OPM’s satisfaction survey from current MHBP members.

One feature that stands out is our customer service. We have dedicated MHBP representatives available to answer your questions 24 hours a day, seven days a week, except major holidays. You can reach a representative when it’s convenient for you at 800-410-7778.

MHBP offers worldwide coverage. In the 50 United States, we are backed by the strength of a nationwide network from Aetna. There are no referrals required to see a specialist with any MHBP plan. We offer a 24/7 nurseline whenever you have a medical question, and we offer many programs and tools to help you reach your personal health goals. We offer virtual visits through your computer, phone or mobile app so you can meet with your doctor, dietician, social worker or psychologist. When you use Teladoc, you pay nothing for consultations. Those with the Consumer Option must meet their deductible first.

With low copayments for most services, you know what you’re going to spend. For example, generic drugs from a network pharmacy are just $5. This plan also includes wellness rewards to help you get and stay healthy as you reach your personal health goals. When you need additional services like diagnostic tests or even surgery, the Standard Option’s comprehensive coverage has your back.

We have three plans so you can choose the one that suits your needs: a Standard Option, a Consumer Option and a Value Plan. For a more detailed look at MHBP plan options and coverage, you can watch our plan comparison video. We also offer dental and vision coverage at low group rates, and you can join any time. Give us a call at 800-254-0227 to answer your questions.

We realize this is a big decision for you and your family. That’s why we strongly encourage you to compare benefits and rates. Once you’ve done that, we feel confident that MHBP will have a plan for you. You can also check us out on the web at MHBP.com, or give us a call at 800-410-7778 to answer your questions.

We look forward to welcoming you to the MHBP family.

Three plan options.
One mission — a healthier you.

Find the right coverage, care and resources to fit you.

Standard Option

Comprehensive coverage at an affordable price

The MHBP Standard Option is setting a higher standard for federal employee health plans at a lower cost.

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Consumer Option

Part health plan, part savings account that’s there when you need it

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

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Value Plan

A plan with your health care needs and budget in mind

The MHBP Value Plan is our most affordable plan. It provides you with protection against an unforeseen illness or event.

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Proud to serve you

For over 60 years, MHBP has served all federal and postal employees and annuitants, offering comprehensive benefits at affordable rates. MHBP is a worldwide health plan backed by the strength of the Aetna® network.

MHBP Plans at a glance

Please do not rely on this chart alone. Below is a summary of covered expenses for: Standard Option, Consumer Option and Value Plans. 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.

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 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
Maternity You pay nothing You pay nothing, after deductible* You pay nothing
Emergency Room Visits $200 copay*. Copay is waived if you are admitted to the hospital
(No deductible for accidental injury)		 $50 copay*. Copay is waived if you are admitted to the hospital 20% of Plan allowance* (coinsurance is waived if you are admitted to the hospital)
Urgent Care Center Visits $50 copay $50 copay* 20% of Plan allowance
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 Self only
$700 Self plus one or self and family		 $2,000 Self Only
$4,000 Self Plus One or Self and Family		 $600 Self only
$1200 Self plus one or self and family

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©2024 Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna). Aetna providers are independent contractors and are not agents of Aetna. Provider participation may change without notice.

This is a summary of the MHBP plan options. Before making a final decision, please read the Official Plan Brochure (RI 71-007 or RI 71-016). All benefits are subject to the definitions, limitations, and exclusions set forth in the official plan brochures. A single annual $52 associate membership fee makes all MHBP plans available to you.