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Manage your High Option federal health plan

With low copays and low deductibles, the High Option is a premier plan in the Federal Employees Health Benefits (FEHB) Program.

Lower your out-of-pocket costs by staying in the network

The Plan deductible is a fixed amount you must pay for covered healthcare expenses before your plan starts paying.

High Option 2025
Calendar year deductible Self Self Plus One / Self & Family	In-network $450 $800	Out-of-network $1,000 $2,000
Annual out-of-pocket maximum Combined medical and prescription drugs	In-network $6,500 Self $13,000 Self Plus One / Self & Family	Out-of-network $12,000 Self $24,000 Self Plus One / Self & Family

Copayments and coinsurance amounts do not count toward your deductible.

-                                Service
+                                In-network (PPO) you pay
-                                Office and specialist visits for medical, mental health, and substance use
+                                $25 copay 

(no deductible applied)
-                                Virtual Visits with Teladoc
+                                $0 copay for first 2 visits 

$10 copay 
(no deductible applied)
-                                Routine dental
+% of Plan allowance
-                                Urgent care
+                                $30 copay
-                                Ambulance
+% of Plan allowance
-                                Physical therapy
+% of Plan allowance (60 visits per year)
-                                Chiropractic care
+                                $25 copay (24 visits per year)
-                                Acupuncture
+                                $25 copay (24 visits per year)

Manage your plan and estimate the cost of healthcare ahead of time.

OptumRx manages your pharmacy benefits and offers home delivery.

Protect your well-being and live a healthier life, usually with no out-of-pocket costs.

Your plan covers preventive care, medical visits, dental care, mental health, and more.