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Standard Option

 Low rates + rich benefits

Comprehensive coverage at an affordable price

The MHBP Standard Option is setting a higher standard for postal and 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, the plan pays 100 percent for annual exams, lab tests, maternity care and more. For services like diagnostic tests or surgery, this plan has you covered.

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2024 STANDARD OPTION RATES

Federal Employees (biweekly)

Annuitants (monthly)

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.

Why choose MHBP:

Enroll today and discover countless reasons to smile!

Great coverage. Low rates. Wellness rewards.

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.
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
MinuteClinic® Visits You pay nothing
Walk-in Clinic Visits $5 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 (retail) $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

Plans for a healthier you

Looking for a better health plan? Look no further than MHBP. With 3 plan options, you’re sure to find a plan that fits your needs, lifestyle and budget. Download the brochure to learn more.

Have questions? We’re here.

Call 1-800-410-7778 (TTY: 711)
24 hours a day, 7 days a week, except certain holidays

Get Live Help

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.

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.