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Federal employees and retirees

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

Value plan

A plan with your health care needs and budget in mind

Simple, affordable coverage to protect you from the unexpected

The MHBP Value Plan is our most affordable plan – with predictable costs for doctor visits, maternity care and covered lab tests.

The Value Plan balances low cost and high satisfaction. That makes it a great choice for healthy people who don’t typically need a lot of medical services. Plus, you pay nothing for preventive care from network providers. Including an annual exam, preventative screenings, immunizations and well-child visits.

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2025 VALUE PLAN 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 414): $60.53
  • Self Plus One (CODE 416): $143.43
  • Self and Family (CODE 415): $146.29

Annuitants (monthly)

  • Self Only (CODE 414): $131.15
  • Self Plus One (CODE 416): $310.76
  • Self and Family (CODE 415): $316.97

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 1.9 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 $300 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 MinuteClinic® visits at a CVS Pharmacy®
  • No additional cost for telehealth through Teladoc Health™
  • No additional cost for Lab Savings Program
Value Plan rates and enrollment codes

MHBP’s Value Plan network benefits are just what you need

Looking for preventive care and the occasional visit to the doctor’s office, but still need protection from major expenses at an affordable premium? 

Then the MHBP Value Plan is the right fit for you. Doctor visits, prescription drugs and unexpected trips to the emergency room or Urgent Care Center are all covered.

This is a summary of MHBP Value Plan 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 $30 copay ($10 copay for dependents under 21)
Specialist Visits $50 copay*
MinuteClinic® Visits You pay nothing
Walk-in Clinic Visits $15 copay ($5 copay for dependents under 21)
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% of the plan allowance per visit up to 40-visit combined maximum
Alternative Care (Acupuncture) 20% of the plan allowance per visit up to 40-visit combined maximum
Maternity You pay nothing
Emergency Room Visits 20% of plan allowance* (coinsurance is waived if admitted to the hospital)
Urgent Care Center Visits 20% of plan allowance
Hospitalization 20% of plan allowance*
Prescription Drugs, Generic (30-day supply) $10 copay
Calendar Year Deductible (a separate deductible applies to Non-Network benefits) $600 Self Only
$1,200 Self Plus One or Self and Family
*Must meet deductible first

The Value Plan is also great choice if you or an eligible dependent needs Temporary Continuation of Coverage (TCC). To learn more about TCC, view the OPM TCC guide RI 79-27.

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.

2025 MHBP Plans brochure . Opens in a new window

Have questions? We’re here.

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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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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.

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.

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.

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