New Federal, Postal Employees and Mail Handlers converting to Full-Time Career status – congratulations!
As you’re getting settled in, you’ll want to start thinking about your health plan. You have 60 days from the day you start working to select a plan. It’s important to compare health plans because 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.
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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.
Plans that are there for you
We offer three unique plans so you can choose one that fits your needs. Our plans include worldwide coverage and no referrals. Watch our plan comparison video and learn how MHBP has a plan to make the care your family needs more accessible and affordable.
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MHBP has been trusted by Federal and postal employees and retirees from more than 50 years. At the heart of the MHBP is health coverage. We offer three nationwide health plans backed by the strength of the Aetna network.
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. 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. The good news is all our MHBP plans offer in and out of network benefits. See the official plan brochure on MHBP.com for full coverage details.
There are no referrals required to see a specialist with any MHBP plan. You have access to one-on-one virtual visits on your computer, phone or mobile app. And we offer many programs and tools to help you reach your personal health goals. Now that you’ve heard the basics, let’s review each of the options. This is just a high-level summary, but you can review all of the plan details that our website, MHBP.com.
The Standard Option is our most popular plan. It offers comprehensive coverage at a very affordable price. This plan’s low copayments not only keep your costs down, they make your out-of-pocket expenses more predictable. When you use a network provider, the plan pays 100% for routine services like annual exams, lab tests, immunizations and maternity care.
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.
Next is our Consumer Option, which offers comprehensive medical coverage and a health savings account. MHBP contributes up to $2,400 tax-free each year for you to use for qualified medical expenses. The money is yours to spend or save.
The Consumer Option covers preventive care at 100%. That means no copayment and no deductible for network providers. So, you can get things like an annual exam, well-child visits, wellness screenings and immunizations at no charge. Once you meet your deductible, you’ll pay low copayments or nothing at all for your covered care.
Finally, we offer the Value Plan. This plan provides simple, affordable coverage to protect you from the unexpected. The Value Plan focuses on affordability, and can be a good choice if you are looking for preventive care and the occasional visit to the doctor’s office, but still need protection from major expenses.
The Value Plan covers preventive care at 100%. That means no copayment, and no deductible for network providers. Other services, like specialist visits or hospitalizations, require copayments. You also have access to dental and vision plans at affordable group rates. You can enroll in this optional coverage throughout the year, even if you don’t have an MHBP health plan. You can also call one of our representatives at 800-254-0227 to ask questions or talk through your options.
The comprehensive dental coverage pays 100% for preventive visits twice a year. There are copayments for other services, which you can review online. The annual benefit maximum is $2,000.
Our vision plan offers nationwide coverage. You can get exams, lenses, contacts and frames for a low copayment. There’s even a discount for laser vision correction.
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. The OPM website at opm.gov/insure has a handy comparison tool, so you can look at your options side by side. Comparing the plans available in your area is important, as yearly premiums vary by more than $10,000. You can also call one of our representatives at 800-410-7778, 24/7 to ask questions or talk through your options.
As a Federal employee, you serve the needs of the country. At MHBP, we take that same care in serving you. Give us a call today and see how we can help.
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.
| Care Type | Standard Option | Consumer Option | 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 |
| 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 |
| Prescription Drugs, Generic (retail) | $5 copay | $10 copay* | $10 copay |
| Learn more about the Standard Option >> | Learn more about the Consumer Option >> | Learn more about the Value Plan >> |
* Indicates calendar year deductible applies before benefits begin.
This is a summary of the MHBP Standard Option. Before making a final decision, please read the official Plan brochure (RI 71-007). 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.
Quest, Quest Diagnostics, any associated logos, and all associated Quest Diagnostics registered or unregistered trademarks are the property of Quest Diagnostics. LabCorp trademark is the property of LabCorp.
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