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Federal employees and retirees

Call 1-800-410-7778 (TTY: 711)

The MHBP Standard Option health plan for all federal employees

The MHBP Standard Option offers rich benefits and lower rates for you and your family.

MHBP Standard Option offers comprehensive coverage at an affordable price

We are setting a higher standard for federal employee health plans – at a lower cost.

The plan‘s low copayments keep your costs down and out-of-pocket expenses predictable. With network providers, you pay nothing for annual exams, lab tests, maternity care, including delivery and more.

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2026 STANDARD OPTION RATES

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.

Federal Employees (biweekly)

  • Self Only (CODE 454): $93.89
  • Self Plus One (CODE 456): $216.12
  • Self and Family (CODE 455): $218.20

Annuitants (monthly)

  • Self Only (CODE 454): $203.44
  • Self Plus One (CODE 456): $468.27
  • Self and Family (CODE 455): $472.76

Postal service employee or retiree? Visit MHBPPostal.com for your rates and enrollment codes.

Why choose MHBP:

  • 24/7 dedicated customer service team (except certain holidays).
  • Outstanding plan satisfaction, per OPM.gov Consumer Satisfaction Survey Results. If you aren’t happy, we aren’t happy.
  • A large, nationwide network of over 2 million capable care providers and hospitals. When you need care, it’s never too far.
  • No referrals required to see a specialist. No jumping through hoops to see the right doctor.
  • Worldwide coverage​ for living, working, or traveling abroad.

Enroll today and discover countless reasons to smile!

Great coverage. Low rates. Wellness rewards.

  • Up to $350 in wellness rewards
  • No out-of-pocket costs for maternity care
  • 40 alternative care visits per year for chiropractic care and acupuncture combined
  • No additional cost for telehealth services through Teladoc Health
  • No additional cost for Lab Savings Program
Standard Option rates and enrollment codes

MHBP’s Standard Option in-network benefits have you covered

Complete coverage at a price that may surprise you. With copays for most services, the MHBP Standard Option will help make your out-of-pocket expenses more predictable.

This is a summary of MHBP Standard Option benefits when you use network providers. Do not rely on this list alone. Not all benefits are shown below. For more detail about definitions, limitations, and exclusions please refer to the Official Plan Brochure.

Network Benefit Cost
Preventive Care You pay nothing
Primary Care Doctors’ Visits $20 copay, adult
$10 copay, dependents through age 21
Specialist Visits $30 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) $20 copay per visit up to 40-visit combined maximum
Alternative Care (Acupuncture) 10% of the Plan allowance 40-visit combined maximum
Maternity You pay nothing
Emergency Room Visits $200 copay*
(No deductible for accidental injury; copay is waived if admitted to the hospital)
Urgent Care Center Visits $50 copay
Hospitalization $200 copay per admission and 10% of Plan allowance for ancillary services
Prescription Drugs, Generic (30-day supply) $5 copay
Calendar Year Deductible (a separate deductible applies to Non-Network benefits) $350 Self only
$700 Self plus one or self and family
*Must meet deductible first
2026 MHBP Health Plans Brochure

Plans for a healthier you

Looking for a better health plan? Look no further than MHBP. With three MHBP plan options, find a health plan to fit your needs, with coverage at affordable rates. Download the brochure to learn more.

2026 MHBP Plans brochure . Opens in a new window
2026 standard example

Shop. Compare. Choose MHBP.

How do you select the best plan for you and your family? Choice is a good thing, but choosing isn’t always easy.  Compare your plan to MHBP and see if you can save.

2026 Standard Option Plan Comparison Chart

Have questions? We’re here.

Call 1-800-410-7778 (TTY: 711)
24 hours a day, 7 days a week, except certain holidays
cell phones laid on a table, all screens have title - Let's talk. Low premiums High Standards. Great coverage Wellness rewards. Choice plus Value.

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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.

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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.

Information is accurate as of the production date but may change.

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.

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.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). This is a brief description of the features of this MHBP plan. Before making a final decision, please read the Plan’s Federal brochure(s). All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure. A single annual $52 associate membership fee makes all MHBP plans available to you.