2022 GEHA MEDICAL PLANS - geha.com | - Choose from five unique medical plans designed to meet you where you are in life.
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2022 GEHA MEDICAL PLANS Choose from five unique medical plans designed to meet you where you are in life. geha.com | 800.262.4342
Contents Choose from five medical plans
02 Choose from five medical plans
04 Elevate
06 HDHP
Elevate HDHP
08 Standard geha.com/Elevate geha.com/HDHP
10 Elevate Plus • Our lowest premium plan • Low premiums with a low
• Low copays for doctor, net-deductible
12 High chiropractic and • Tax-advantaged health savings
acupuncture visits account (HSA)
14 NEW! Exclusive plan perk for Elevate and Elevate Plus subscribers • Digital wellness portal • GEHA contributes
money to your HSA
15 Get help choosing the right plan geha.com/HSA
16 It pays to stay in-network
How this plan pays you back How this plan pays you back
17 Definitions and terms • NEW! Features an annual • Earn rewards up to
plan perk. See page 14. $250 to $500 annually
18 Wellness Pays
geha.com/PlanPerk geha.com/HealthRewards
19 Health Rewards • Earn rewards up to • GEHA contributes $900 (Self
$500 to $1,000 annually Only) or $1,800 (Self Plus One or
20 Vision benefits and discounts for all plans geha.com/WellnessPays Self and Family) to your HSA
21 Included in all five plans
22 Compare deductibles for all plans Life-stage: early career Life-stage: all career stages
Health care style: wellness-focused, Health care style: non-traditional,
22 Compare out-of-pocket max for all plans cost-conscious focused on saving for future needs
23 Compare premiums for all plans
How often you use your plan How often you use your plan
24 Compare prescription coverage for all plans
Low Average High Low Average High
25 GEHA works with Medicare A & B
Prescription medication need Prescription medication need
26 Compare medical benefits for all plans
28 GEHA has a medical plan for your needs
Low Average High Low Average High
These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to all enrollees
02 2022 GEHA MEDICAL PLANS who become members of a GEHA medical plan and their eligible family members.We believe health care isn’t one size fits all, and our plans are designed with that in mind. Whatever stage of
CHOOSE FROM FIVE MEDICAL PLANS
life you’re in, GEHA has a plan designed to fit your needs. Get help choosing
the right plan for
your needs
Standard Elevate Plus High Meet one-on-one
Schedule an appointment with
geha.com/Standard geha.com/ElevatePlus geha.com/High
a GEHA Benefits Adviser.
• Dependable, • Easy to determine costs. • Comprehensive prescription
geha.com/Meet
traditional coverage No deductible. coverage
• Affordable premiums • Digital wellness portal • Low copays for doctor visits
• Some of the lowest copays • NOTE: No out-of-network • $2,500 hearing aid benefit Talk to us
for in-network primary care medical coverage and additional discount Speak to a GEHA Benefits
and specialist visits Adviser Monday – Friday,
7 a.m. – 7 p.m. Central time.
800.262.4342
How this plan pays you back How this plan pays you back How this plan pays you back
• Earn rewards up to • NEW! Features an annual • NEW! $800 Medicare Part
$250 to $500 annually plan perk. See page 14. B premium reimbursement Chat online
geha.com/HealthRewards geha.com/PlanPerk geha.com/Medicare During Open Season, you can
• Earn rewards up to • Earn rewards up to chat with a GEHA Benefits
$500 to $1,000 annually $250 to $500 annually Adviser online.
geha.com/WellnessPays geha.com/HealthRewards geha.com
Watch a webinar
Life-stage: mid-career Life-stage: mid-career Life-stage: late-career Tune in at a time that is
Health care style: traditional Health care style: proactive, Health care style: maximum convenient for you.
care and coverage values predictable pricing coverage, dependable support
geha.com/2022Webinars
How often you use your plan How often you use your plan How often you use your plan
Plan recommender tool
Answer a few questions to
Low Average High Low Average High Low Average High
see a plan that matches your
Prescription medication need Prescription medication need Prescription medication need individual or family needs.
geha.com/Select-A-Plan
Low Average High Low Average High Low Average High
These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to all enrollees who become members of a GEHA medical
plan and their eligible family members. 2022 GEHA MEDICAL PLANS 03Elevate Premiums
Self Only
What you pay
Self Plus One
What you pay
Self and Family
What you pay
geha.com/Elevate
Enrollment codes 254 256 255
• GEHA’s lowest premium plan Biweekly – employed $48.74 $112.11 $136.48
• Low copays for doctor visits, and Monthly – retired $105.61 $272.90 $295.71
chiropractic and acupuncture visits
Footnote: 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 that maintains your health benefits enrollment.
• Engaging digital wellness portal powered by
Rally Health
Yearly deductible in-network1 What you pay
How this plan pays you back
Self Only $500
• NEW! Subscribers can select an annual
Self Plus One and Self and Family $1,000
plan perk. Options include a Fitbit
wearable device including monthly Fitbit
Premium Membership, a $125 gift card Prescription benefits in-network1,2,3 What you pay
for DICK’S Sporting Goods or REI, or a
• 30-day retail generic $4
Daily Burn virtual fitness subscription.4
geha.com/PlanPerk • 30-day retail preferred brand-name 50% ($500 max)
• Earn up to $500 (maximum $1,000 per • 30-day retail non-preferred brand-name 100%
household) in Wellness Pays annually • 30-day specialty CVS exclusive generic and preferred brand-name 50% ($500 max)
geha.com/WellnessPays
• 30-day specialty CVS exclusive non-preferred brand-name 100%
Check prescription costs at geha.com/Prescriptions
To provide a low premium, this plan does not include mail-order prescriptions or out-of-
Life stage: early career
network pharmacy coverage, and it has a limited pharmacy network. Find a pharmacy at
Health care style: wellness-focused,
geha.com/Find-Care
cost-conscious
How often you use your plan
Low Average High
Prescription medication need
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount.
Low Average High 2 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
3 To provide a low premium, this plan does not include mail-order prescriptions or out-of-network pharmacy coverage, and it has a limited pharmacy
network. Find a pharmacy at geha.com/Find-Care
4 These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to subscribers who become a member of
04 2022 GEHA MEDICAL PLANS GEHA’s Elevate and Elevate Plus medical plans.Included with Elevate
ELEVATE
Medical benefits in-network1 What you pay
• Unlimited telehealth visits, including behavioral health, with MDLIVE Telehealth visits, including
geha.com/MDLIVE behavioral health
• Preventive care; adult routine screenings $0 geha.com/MDLIVE
• Well-child visit; up to age 22
Vision discount4 (see page 20)
• Maternity; routine care
geha.com/Vision
• Primary physician office visit
• MinuteClinic© (where available) geha.com/MinuteClinic Gym membership discount4
• Chiropractic care (manipulative therapy), including X-rays; $10 geha.com/Fitness
up to 12 visits per year
Electric toothbrush discount4
• Acupuncture; up to 20 treatments per year
geha.com/Toothbrush
• Specialist care; office visit $25
Teeth whitening discount4
• Urgent care $50
geha.com/Whitening
• Emergency care
• Hospital care; inpatient including maternity Surgical concierge5
• Hospital care; outpatient $0 out-of-pocket surgery costs and
25%2 care coordination
• Lab services
• Other diagnostic services
geha.com/BridgeHealth
• Outpatient professional surgical services For a complete list visit
• Inpatient professional surgical services $250 geha.com/Savings
Medicare A & B primary? See page 25 or visit geha.com/Medicare
4 These benefits are neither offered nor guaranteed under
contract with the FEHB program, but are made available
to all enrollees who become members of a GEHA medical
plan and their eligible family members.
Out-of-pocket maximum in-network1,3 What you pay 5 Subject to any eligibility limitations. See
info.bridgehealth.com/GEHA for more information.
Self Only $7,000
Self Plus One and Self and Family $14,000
Learn how to enroll at
geha.com/Enroll
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For
out-of-network benefits, refer to GEHA’s 2022 plan brochure RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
2 Calendar year deductible applies.
3 The out-of-pocket maximum is the maximum amount of coinsurance, copays and deductibles you pay for all family members before GEHA begins paying
for 100% of covered services. This is a combined maximum for both medical care and prescriptions. 2022 GEHA MEDICAL PLANS 05HDHP Premiums
Self Only
What you pay
Self Plus One
What you pay
Self and Family
What you pay
geha.com/HDHP
Enrollment codes 341 343 342
• Low premiums with a low net-deductible Biweekly – employed $63.21 $135.90 $167.00
• Reduce out-of-pocket expenses and Monthly – retired $136.95 $294.44 $361.83
enjoy a triple tax advantage with a health
Footnote: 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
savings account (HSA)6 geha.com/HSA agency or Tribal Employer that maintains your health benefits enrollment.
• Use your HSA money to reduce your net
deductible or save it and let it grow tax-free Yearly deductible you pay after
in your account6 Plan type Yearly deductible in-network1 GEHA contribution to your HSA2
How this plan pays you back Self Only $1,500 $600
Self Plus One and
• GEHA contributes $900 (Self Only) or Self and Family
$3,000 $1,200
$1,800 (Self Plus One or Self and Family)
to your HSA
Prescription benefits in-network1,3,4 What you pay
• Earn up to $250 (maximum $500 per
household) in Health Rewards annually • 30-day retail generic 25%
geha.com/HealthRewards
• 30-day retail preferred brand-name 25%5
• 30-day retail non-preferred brand-name 40%5
• 90-day mail service generic 25%
• 90-day mail service preferred brand-name 25%5
• 90-day mail service non-preferred brand-name 40%5
Life stage: all career stages • 30-day specialty CVS exclusive generic and preferred brand-name 25%5
Health care style: non-traditional, focused on
saving for future needs • 30-day specialty CVS exclusive non-preferred brand-name 40%5
Check prescription costs at geha.com/Prescriptions
How often you use your plan
Low Average High
Prescription medication need 1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For
out-of-network benefits, refer to GEHA’s 2022 plan brochure RI 71-014 (HDHP) at geha.com/PlanBrochure
2 The net deductible is the remaining amount after you subtract the annual GEHA contribution from the annual deductible. This is your out-of-pocket cost
before plan benefits begin.
3 Calendar year deductible applies.
Low Average High 4 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
5 If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the
brand-name and the generic.
6 The information provided is for informational purposes only. It should not be considered legal or financial advice. You should consult with a professional to
06 2022 GEHA MEDICAL PLANS determine what may be best for your individual needs.Included with HDHP
HDHP
Medical benefits in-network1 What you pay
• Unlimited telehealth visits, including behavioral health, with MDLIVE Telehealth visits, including
$02,3
geha.com/MDLIVE behavioral health3
geha.com/MDLIVE
• Maternity; routine care
$02
• Hospital care; inpatient maternity Vision benefit and discount5
• Preventive care; adult routine screenings (see page 20)
• Well-child visit; up to age 22 $0 geha.com/HDHPVision
• Preventive dental care, twice yearly
Gym membership discount5
• Primary physician office visit geha.com/Fitness
• Specialist care; office visit
• Urgent care Electric toothbrush discount5
• Emergency care geha.com/Toothbrush
• Hospital care; inpatient and outpatient
Teeth whitening discount5
• MinuteClinic© (where available) geha.com/MinuteClinic 5%2
geha.com/Whitening
• Lab services
• Other diagnostic services For a complete list visit
• Professional surgical services geha.com/Savings
• Chiropractic care (manipulative therapy), including X-rays; up to 20 visits per year
• Acupuncture; up to 20 treatments per year Learn about health
Medicare A & B primary? See page 25 or visit geha.com/Medicare
savings accounts
geha.com/HSA
Out-of-pocket maximum in-network1,4 What you pay
Self Only $5,000
Self Plus One and Self and Family $10,000
5 These benefits are neither offered nor guaranteed under
contract with the FEHB program, but are made available
to all enrollees who become members of a GEHA medical
plan and their eligible family members.
Learn how to enroll at
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For
out-of-network benefits, refer to GEHA’s 2022 plan brochure RI 71-014 (HDHP) at geha.com/PlanBrochure
geha.com/Enroll
2 Calendar year deductible applies.
3 If the deductible is met, high deductible health plan (HDHP) member will be charged by MDLIVE but GEHA will then reimburse the member 100% of the
billed charges.
4 The out-of-pocket maximum is the maximum amount of coinsurance, copays and deductibles you pay for all family members before GEHA begins paying
for 100% of covered services. This is a combined maximum for both medical care and prescriptions. 2022 GEHA MEDICAL PLANS 07Standard Premiums
Self Only
What you pay
Self Plus One
What you pay
Self and Family
What you pay
geha.com/Standard
Enrollment codes 314 316 315
• Dependable, traditional coverage Biweekly – employed $62.66 $134.73 $164.85
• Affordable premiums Monthly – retired $135.77 $291.92 $357.17
• Some of the lowest copays for in-network Footnote: 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 that maintains your health benefits enrollment.
primary care and specialist visits
How this plan pays you back Yearly deductible in-network1 What you pay
• Earn up to $250 (maximum $500 per Self Only $350
household) in Health Rewards annually
Self Plus One and Self and Family $700
geha.com/HealthRewards
Prescription benefits in-network1,2 What you pay
• 30-day retail generic $10
• 30-day retail preferred brand-name 50% ($200 max3)
• 30-day retail non-preferred brand-name 50% ($300 max3)
• 90-day mail service generic $20
• 90-day mail service preferred brand-name 50% ($500 max3)
• 90-day mail service non-preferred brand-name 50% ($600 max3)
• 30-day specialty CVS exclusive generic and preferred brand-name 50% ($250 max3)
Life stage: mid-career • 30-day specialty CVS exclusive non-preferred brand-name 50% ($400 max3)
Health care style: traditional coverage to stay
on a healthy path Check prescription costs at geha.com/Prescriptions
How often you use your plan
Low Average High
Prescription medication need
Low Average High 1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For
out-of-network benefits, refer to GEHA’s 2022 plan brochure RI 71-006 (High and Standard) at geha.com/PlanBrochure
2 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
3 If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the
08 2022 GEHA MEDICAL PLANS brand-name and the generic.Included with Standard
STANDARD
Medical benefits in-network1 What you pay
• Unlimited telehealth visits, including behavioral health, with MDLIVE Telehealth visits, including
geha.com/MDLIVE behavioral health
• Preventive care; adult routine screenings geha.com/MDLIVE
• Well-child visit; up to age 22 $0
Vision discount4 (see page 20)
• Maternity; routine care
geha.com/Vision
• Hospital care; inpatient maternity
• Lab Card services geha.com/LabCard Hearing aid discount4
• MinuteClinic© (where available) geha.com/MinuteClinic $10 geha.com/Hearing
• Primary physician office visit $15 Gym membership discount4
• Specialist care; office visit $30 geha.com/Fitness
• Urgent care $35 Electric toothbrush discount4
• Lab services (other than Lab Card) 15% geha.com/Toothbrush
• Emergency care Teeth whitening discount4
• Hospital care; inpatient and outpatient geha.com/Whitening
• Professional surgical services 15%2
• X-ray and other diagnostic services
Medical alert system discount4
geha.com/LifeAlert
• Acupuncture; up to 20 treatments per year
• Preventive dental care; twice yearly 50% Lab Card service
geha.com/LabCard
• Chiropractic care (manipulative therapy), including X-rays; up to 20 visits
$30
per year
For a complete list visit
• Outpatient professional High Tech Imaging (MRI, CT, PET, etc.) $100 geha.com/Savings
• Outpatient facility High Tech Imaging (MRI, CT, PET, etc.) $150
Medicare A & B primary? See page 25 or visit geha.com/Medicare 4 These benefits are neither offered nor guaranteed under
contract with the FEHB program, but are made available
to all enrollees who become members of a GEHA medical
plan and their eligible family members.
Out-of-pocket maximum in-network1,3 What you pay
Self Only $6,500
Self Plus One and Self and Family $13,000
Learn how to enroll at
geha.com/Enroll
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For
out-of-network benefits, refer to GEHA’s 2022 plan brochure RI 71-006 (High and Standard) at geha.com/PlanBrochure
2 Calendar year deductible applies.
3 The out-of-pocket maximum is the maximum amount of coinsurance, copays and deductibles you pay for all family members before GEHA begins paying
for 100% of covered services. This is a combined maximum for both medical care and prescriptions. 2022 GEHA MEDICAL PLANS 09Elevate Plus Premiums
Self Only
What you pay
Self Plus One
What you pay
Self and Family
What you pay
geha.com/ElevatePlus
Enrollment codes 251 253 252
• Easy to determine costs. No deductible. Copays for Biweekly – employed $79.13 $182.51 $190.63
most common services.
Monthly – retired $171.44 $395.44 $413.04
• Low copays for non-traditional care, like
Footnote: These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the FEHB program website or
chiropractic and acupuncture contact the agency or Tribal Employer that maintains your health benefits enrollment.
• Engaging digital wellness portal
• NOTE: This plan has no Yearly deductible in-network.1,2 No out-of-network coverage. What you pay
out-of-network coverage
Self Only, Self Plus One and Self and Family $0
How this plan pays you back
Prescription benefits in-network.1,3,4 No out-of-network coverage. What you pay
• NEW! Subscribers can select an annual plan perk.
Options include a SilverSneakers fitness benefit, • 30-day retail generic $10
a Fitbit wearable device including monthly Fitbit
• 30-day retail preferred brand-name $805
Premium Membership, a $125 gift card for DICK’S
Sporting Goods or REI, or a Daily Burn virtual • 30-day retail non-preferred brand-name 50%5
fitness subscription.6 geha.com/PlanPerk
• 90-day mail service generic $20
• Earn up to $500 (maximum $1,000 per
• 90-day mail service preferred brand-name $2005
household) in Wellness Pays annually
geha.com/WellnessPays • 90-day mail service non-preferred brand-name 50%5
• 30-day specialty CVS exclusive generic and preferred brand-name 40% ($500 max5)
• 30-day specialty CVS exclusive non-preferred brand-name 50%5
Life stage: mid-career
Health care style: health-focused and proactive, Check prescription costs at geha.com/Prescriptions
values predictable pricing
No out-of-network pharmacy coverage and a limited pharmacy network. Find a
How often you use your plan pharmacy at geha.com/Find-Care
Low Average High
Prescription medication need
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated
amount. Refer to GEHA’s 2022 plan brochure RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
2 This plan has no out-of-network coverage.
3 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
Low Average High 4 This plan has no out-of-network pharmacy coverage and a limited pharmacy network. Find a pharmacy at geha.com/Find-Care
5 If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between
the brand-name and the generic.
6 These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to subscribers who become a
10 2022 GEHA MEDICAL PLANS member of GEHA’s Elevate and Elevate Plus medical plans.Included with
ELEVATE PLUS
Medical benefits in-network.1,2 No out-of-network coverage. What you pay
Elevate Plus
• Unlimited telehealth visits, including behavioral health, with MDLIVE
geha.com/MDLIVE Telehealth visits, including
• Preventive care; adult routine screenings behavioral health
$0
• Well-child visit; up to age 22 geha.com/MDLIVE
• Lab services
• Maternity; routine care Vision discount5 (see page 20)
geha.com/Vision
• MinuteClinic© (where available) geha.com/MinuteClinic $10
• Primary physician office visit Hearing aid discount5
• Chiropractic care (manipulative therapy), including X-rays; up to 15 visits geha.com/Hearing
$25
per year
Gym membership discount5
• Acupuncture; up to 20 treatments per year
geha.com/Fitness
• Specialist care; office visit $40
Electric toothbrush discount5
• Urgent care $50
geha.com/Toothbrush
• Other diagnostic services $503
Teeth whitening discount5
• In-office professional surgical services $75
geha.com/Whitening
• Emergency care $200
Surgical concierge6
• Outpatient and inpatient professional surgical services $200
$0 out-of-pocket surgery costs and
• Hospital care; inpatient including maternity
$250 per day up to care coordination
$1,000 per admission geha.com/BridgeHealth
• Hospital care; outpatient $250 per day per facility
For a complete list visit
Medicare A & B primary? See page 25 or visit geha.com/Medicare geha.com/Savings
Out-of-pocket maximum in-network.1,4 No out-of-network coverage. What you pay
5 These benefits are neither offered nor guaranteed under
contract with the FEHB program, but are made available to
Self Only $6,000 all enrollees who become members of a GEHA medical plan
and their eligible family members.
Self Plus One and Self and Family $12,000 6 Subject to any eligibility limitations. For more information,
see info.bridgehealth.com/GEHA
This plan has no out-of-network medical coverage. Find a provider or check if your
provider is in-network at geha.com/Find-Care
Learn how to enroll at
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount.
Elevate Plus has no out of network benefits. Refer to GEHA’s 2022 plan brochure RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
geha.com/Enroll
2 This plan has no out-of-network coverage.
3 You pay $175 ($100 professional fee, $75 facility fee) for advanced outpatient High Tech Imaging such as MRI, CT, PET, etc. Refer to GEHA’s 2022 plan
brochure RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
4 The out-of-pocket maximum is the maximum amount of coinsurance and copays you pay for all family members before GEHA begins paying for 100%
of covered services. This is a combined maximum for both medical care and prescriptions. 2022 GEHA MEDICAL PLANS 11High Premiums
Self Only
What you pay
Self Plus One
What you pay
Self and Family
What you pay
geha.com/High
Enrollment codes 311 313 312
• Comprehensive brand-name and specialty Biweekly – employed $104.86 $244.76 $302.25
prescription coverage
Monthly – retired $227.20 $530.31 $654.87
• Low copays for doctor visits
Footnote: 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 that maintains your health benefits enrollment.
• $2,500 hearing aid benefit and
additional discount
Yearly deductible in-network1 What you pay
How this plan pays you back
Self Only $350
• NEW! $800 part B Medicare premium
Self Plus One and Self and Family $700
reimbursement geha.com/Medicare
• Earn up to $250 (maximum $500 per
household) in Health Rewards annually Prescription benefits in-network1,2 What you pay
geha.com/HealthRewards
• 30-day retail generic $103
• 30-day retail preferred brand-name 25% ($150 max3,4)
• 30-day retail non-preferred brand-name 40% ($200 max3,4)
• 90-day mail service generic $20
• 90-day mail service preferred brand-name 25% ($350 max4)
• 90-day mail service non-preferred brand-name 40% ($500 max4)
Life stage: late-career
• 30-day specialty CVS exclusive generic and preferred brand-name 25% ($150 max4)
Health care style: maximum coverage and
dependable support • 30-day specialty CVS exclusive non-preferred brand-name 40% ($200 max4)
Check prescription costs at geha.com/Prescriptions
How often you use your plan
Low Average High
Prescription medication need
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For
Low Average High
out-of-network benefits, refer to GEHA’s 2022 plan brochure RI 71-006 (High and Standard) at geha.com/PlanBrochure
2 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.
3 Costs for initial prescription and first refill. You pay 50% for third and additional refills at retail for 30-day supply. For long-term prescriptions, use mail
order or your local retail CVS Pharmacy store (90-day supply) for greater cost savings.
4 If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the
12 2022 GEHA MEDICAL PLANS brand-name and the generic.Included with High
HIGH
Medical benefits in-network1 What you pay
• Unlimited telehealth visits, including behavioral health, with MDLIVE Telehealth visits, including
geha.com/MDLIVE behavioral health
• Preventive care; adult routine screenings geha.com/MDLIVE
• Well-child visit; up to age 22
$0 Vision discount4 (see page 20)
• Maternity; routine care
geha.com/Vision
• Emergency care; accidental (must be within 72 hours)
• Hospital care; inpatient maternity Hearing aid discount4
• Lab Card services geha.com/LabCard geha.com/Hearing
• MinuteClinic© (where available) geha.com/MinuteClinic $10
Gym membership discount4
• Primary physician office visit geha.com/Fitness
• Specialist care; office visit $20
• Chiropractic care (manipulative therapy), including X-rays; up to 20 visits per year Electric toothbrush discount4
geha.com/Toothbrush
• Urgent care $35
• Lab services (other than Lab Card) 10% Teeth whitening discount4
geha.com/Whitening
• Emergency care; medical
• Hospital care; outpatient Medical alert system discount4
• Professional surgical services geha.com/LifeAlert
10%2
• X-ray services
Lab Card service
• Other diagnostic services
geha.com/LabCard
• Acupuncture; up to 20 treatments per year
$100 per admission For a complete list visit
• Hospital care; inpatient
plus 10% geha.com/Savings
Balance after GEHA
• Preventive dental care, twice yearly
pays $22 per visit
4 These benefits are neither offered nor guaranteed under
contract with the FEHB program, but are made available
Medicare A & B primary? See page 25 or visit geha.com/Medicare to all enrollees who become members of a GEHA medical
plan and their eligible family members.
Out-of-pocket maximum in-network1,3 What you pay
Self Only $5,000
Self Plus One and Self and Family $10,000
Learn how to enroll at
geha.com/Enroll
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For
out-of-network benefits, refer to GEHA’s 2022 plan brochure RI 71-006 (High and Standard) at geha.com/PlanBrochure
2 Calendar year deductible applies.
3 The out-of-pocket maximum is the maximum amount of coinsurance and copays you pay for all family members before GEHA begins paying for 100% of
covered services. This is a combined maximum for both medical care and prescriptions. 2022 GEHA MEDICAL PLANS 13It pays to be a GEHA subscriber
GEHA’s unique position as a nonprofit member association allows us to offer this plan
perk. We don’t have stockholders, which means our priority is putting money back into
supporting our members.
Beginning in 2022, Elevate and Elevate Plus plan subscribers are eligible annually to
choose one plan perk from the following options
Fitbit wearable device including
monthly Fitbit Premium Membership
NEW!
Exclusive plan $125 gift card for DICK’S Sporting
Goods or REI
perk for Elevate
and Elevate Plus Daily Burn virtual fitness subscription
subscribers
geha.com/PlanPerk SilverSneakers
Exclusively for Elevate Plus plan subscriber and spouse
enrolled in Medicare Part A and/or B
Activation is easy
It’s quick and easy for Elevate and Elevate Plus subscribers to claim their plan perk
after January 1, 2022. Just sign up for a geha.com account (or log into your existing
account) and update your contact preferences.
These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to subscribers who
14 2022 GEHA MEDICAL PLANS become a member of GEHA’s Elevate and Elevate Plus medical plans.Get help choosing the right plan
PLAN PERK | RESOURCES
For more information about FEHB plans, visit opm.gov/Healthcare-Insurance
Book an appointment Call us
Meet one-on-one with a GEHA Benefits Adviser to help answer Talk to a GEHA Benefits Adviser Monday – Friday, 7 a.m. – 7 p.m.
your questions. Central time.
geha.com/Meet 800.262.4342
Chat online at Open Season Watch on-demand webinars
Chat with a GEHA Benefits Adviser in real time during Learn how to find a plan that’s right for you with an
Open Season. on-demand webinar.
geha.com geha.com/2022Webinars
Plan recommender tool Compare plans
Answer a few questions to see a plan that matches your Compare GEHA’s five medical plans to easily find the right plan
individual or family needs. for you.
geha.com/Select-A-Plan geha.com/CompareMedical
2022 GEHA MEDICAL PLANS 15It pays to stay in-network
Whether it’s a fixed dollar amount, or a percentage, we want you to understand what you pay for in- or out-of-network services. We’ve included an example
below for a plan with a 10% coinsurance1 for services in-network and 25% coinsurance for services out-of-network.
The Elevate Plus medical plan does not offer out-of-network coverage.
Service example Out-of-network price In-network price
Provider’s billed rate $150 $150
In-network provider’s contracted rate with GEHA and
$100 $100
GEHA’s plan allowance for out-of-network providers
$75 $90
What GEHA pays
75% of $100 90% of $100
$25 $10
What you pay (coinsurance)
25% of $100 10% of $100
You also pay the difference between the out-of-network
$50 $0
provider’s billed rate and GEHA’s plan allowance
What you pay total for this service $75 $10
1 See page 17 for definition.
16 2022 GEHA MEDICAL PLANSDefinitions and terms
IN- & OUT-OF-NETWORK EXAMPLES | DEFINITIONS
We know some terms can be confusing. As you work your way through this guide, these definitions may help.
Term Definition
Calendar year deductible What you pay each year before the plan begins to pay out benefits.
Coinsurance The percentage you pay for a covered health care service, after you’ve met your deductible.
Copay A fixed amount you pay for a service or prescription.
Portion of monthly HDHP premium that GEHA contributes to a health savings account (HSA) or health reimbursement
GEHA contribution
arrangement (HRA).
A health care provider who is a part of GEHA’s provider network. These providers agree to limit what they will
In-network provider
charge you.
The remaining amount after you subtract the annual GEHA contribution from the annual deductible. This is your
Net deductible (HDHP)
out-of-pocket cost before plan benefits begin.
The maximum amount you pay each year for coverage. Includes copays, deductibles and coinsurance, but not premiums.
Out-of-pocket max
Once the limit is met, the plan pays the remainder of your covered health care expenses for the rest of the year.
Cost of health care goods and services after subtracting the insurance company’s negotiated discount. For complete
Plan allowance
details see the definition of “Plan allowance” in Section 10 of any GEHA plan brochure. geha.com/PlanBrochure
PPO A preferred provider organization.
Premium What you pay monthly or biweekly for coverage.
Prescription benefits What you pay as a copay or percentage of coinsurance for medication.
This is a brief description of the features of Government Employees Health Association, Inc.’s medical plans. Before making a final decision, please read the GEHA Federal brochures which are available at geha.com/PlanBrochure. All
benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochures.
2022 GEHA MEDICAL PLANS 17Wellness Pays Wellness Pays rewards you for activities you’re probably
already doing
• When you complete your first rewardable activity, you will receive a Wellness Pays prepaid debit
Elevate and Elevate card in the mail.
• The card can be used for qualified medical expenses such as copays, medical, dental and vision
Plus plans expenses at many major retailers.
• As you continue completing rewardable activities, funds will be loaded onto your Wellness Pays
prepaid debit card.
Rewardable activity Wellness Pays plan reward
$500 • Achieve your Stride step goal $10 per month
PER PERSON • Use of the medical cost estimate tool $10 per month, $30 max
• Biometric screening
The maximum amount of Wellness Pays
• Rally Missions
rewards that an individual can earn per year.
• Wellness quizzes
$50
• Flu shot
• MDLIVE telehealth visit
• MDLIVE behavioral health visit
$1,000 • Rally health survey $75
PER HOUSEHOLD • Annual physical
• Breast cancer screening (mammogram)1
The maximum amount of Wellness Pays
• Cervical cancer screening (Pap)1
rewards a household can earn per year. $100
• Colorectal cancer screening (colonoscopy or in-home kit)1
• Digital wellness coaching
geha.com/WellnessPays • First trimester prenatal appointment
• Complete Real Appeal or Quit for Life $200
Earn rewards on GEHA’s digital platform powered by Rally
Register on our Rally® platform to self-manage your health goals, enroll with a wellness coach
and more.
Earn rewards automatically
You’ll receive a rewards card deposit about 10 business days after GEHA receives notification that
you completed a rewardable activity. geha.com/ElevateLearn
18 2022 GEHA MEDICAL PLANS 1 Restrictions may applyHealth Rewards Health Rewards empowers you with tools and incentives to
EARN REWARDS FOR HEALTHY ACTIVITIES
help you live healthier
• Complete healthy activities like a health risk assessment, preventive screenings, and
HDHP, Standard and online wellness workshops such as weight management, stress management or
smoking cessation.
High plans • As you continue completing rewardable activities, the money you earn can be used for
qualified medical expenses1 with your Health Rewards prepaid debit card.
Rewardable activity Health Rewards plan reward
$250
• Online wellness workshops $10 per workshop
• Flu shot $25
PER PERSON
• Cervical cancer screening (Pap)2
The maximum amount of Health Rewards • Colorectal cancer screening (colonoscopy or in-home kit)2
that an individual can earn per year. • Breast cancer screening (mammogram)2 $50
• First trimester prenatal appointment
• MDLIVE telehealth visit
• Health risk assessment $75
$500 • Participation in a targeted health program (by invitation) $50 – $250
PER HOUSEHOLD
The maximum amount of Health Rewards a 1 HDHP + HSA members can use their rewards on qualified dental and vision care expenses until they meet their deductible. Then, all
eligible medical and pharmacy expenses qualify, too.
household can earn per year. 2 Restrictions may apply.
geha.com/HealthRewards
2022 GEHA MEDICAL PLANS 19Vision benefits and
discounts for all plans
What you pay for an annual eye exam at a qualified
EyeMed provider With all GEHA medical plans, you get low copays on eye exams, and discounts
on frames and lenses through EyeMed.™
$0 COPAY $5 COPAY The EyeMed network includes LensCrafters, Target Optical, independent eye
Elevate and Elevate Plus HDHP, Standard and High doctors and top optical retailers. Members also save on LASIK at participating
locations.
Elevate, Standard, Elevate Plus and High HDHP
Vision discounts in-network1,2 What you pay What you pay
Frames (retail price) 60% of price $0 under $100 plus 80% over $100
Eyeglass lenses, standard plastic single vision (retail price) Up to $50 $10
Eyeglass lenses, standard plastic bifocal lens (retail price) Up to $70 $10
Eyeglass lenses, standard plastic progressive lens (retail price) Up to $135 No more than $75
Eyeglass lens options, UV treatment, tint (solid and gradient), standard plastic
$15 $15
scratch coating
Eyeglass lens options, standard anti-reflective coating $45 $45
Contact lens, conventional (retail price) 85% of price $10 under $110 plus 85% over $110
HDHP is GEHA’s only plan to include a complete vision benefit in addition to vision discounts through EyeMed. Learn more about this benefit at
geha.com/HDHPVision
1 Elevate, Standard, Elevate Plus and High plans only when you visit an EyeMed provider.
2 These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to all enrollees who become members of a GEHA medical plan and their eligible family members.
20 2022 GEHA MEDICAL PLANSIncluded in all five plans
VISION | INCLUDED BENEFITS & DISCOUNTS
Free 24/7 Health Advice Line
Talk to a nurse 24/7.
geha.com/Healthline
Unlimited $0 MDLIVE1 Gym membership discount2
Access 11,000+ Active&Fit Direct™ locations nationwide with
telehealth visits GEHA’s Connection Fitness® program.
Get access to certified doctors, including pediatricians, geha.com/Fitness
behavioral health therapists and dermatologists.
geha.com/MDLIVE
Teeth whitening discounts2
Get a 20% discount on the lowest published price on all Smile
Brilliant home teeth whitening and oral care products.
geha.com/Whitening
Hearing aid discounts2
Get discounts through TruHearing on hearing aids. Save up to
30% to 60% off hearing aids. Some average more than $2,500
in savings per pair.
Electric toothbrush discount2,3 geha.com/Hearing
Enjoy 70% off a cariPROTM premium electric
toothbrush.
Medical alert system discount2
geha.com/Toothbrush Get free activation on LifeAlert® services, plus a 10% monthly
discount, for you and your extended family.
geha.com/LifeAlert
1 If deductible is met, high deductible health plan (HDHP) member will be charged by MDLIVE but GEHA will then reimburse the member 100% of the billed charge.
2 These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to all enrollees who become members of a GEHA medical plan and their eligible family members.
3 The cariPROTM premium toothbrush removes seven times more plaque than a regular brush, is completely waterproof and comes with a two-year manufacturer’s warranty. Replacement brush heads with high-quality DuPontTM bristles
are also available at this exclusive, member-only price.
2022 GEHA MEDICAL PLANS 21Compare deductibles for all plans
Yearly deductible in-network.1 The Elevate Plus medical plan does not offer out-of-network coverage.
What you pay each year before the plan begins to pay out benefits. For HDHP, the net deductible is the remaining amount after you subtract the GEHA
contribution from the annual deductible. This is your out-of-pocket cost before plan benefits begin.
Elevate HDHP Standard Elevate Plus High
Plan type What you pay What you pay What you pay What you pay What you pay
$1,500 yearly deductible
Self Only $500 −$900 GEHA contribution2 $350 $0 $350
=$600 your net deductible
$3,000 yearly deductible
Self Plus One and
$1,000 −$1,800 GEHA contribution2 $700 $0 $700
Self and Family
=$1,200 your net deductible
Compare out-of-pocket max for all plans
Out-of-pocket max in-network.1 The Elevate Plus medical plan does not offer out-of-network coverage.
The maximum amount of coinsurance, copays and deductibles you pay for all family members before GEHA begins to pay 100% of covered services. This is
a combined maximum of medical care and prescriptions.
Elevate HDHP Standard Elevate Plus High
Plan type What you pay What you pay What you pay What you pay What you pay
Self Only $7,000 $5,000 $6,500 $6,000 $5,000
Self Plus One and
Self and Family $14,000 $10,000 $13,000 $12,000 $10,000
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For out-of-network benefits, refer to one of GEHA’s 2022 plan brochures: RI 71-006 (High and
Standard), RI 71-014 (HDHP) or RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
2 GEHA’s contribution will go into a health savings account (HSA) or a health reimbursement arrangement (HRA). Most people qualify for an HSA. Those who don’t are enrolled in an HRA; this group includes Medicare enrollees and those who
have non-HDHP coverage elsewhere. Find out which one you’re eligible for at geha.com/IRS969
22 2022 GEHA MEDICAL PLANSCompare premiums for all plans
COMPARE PREMIUMS, DEDUCTIBLES & OUT-OF-POCKET MAX
What you pay monthly or biweekly for coverage.
Elevate HDHP Standard Elevate Plus High
Self Only premium What you pay What you pay What you pay What you pay What you pay
Enrollment code 254 341 314 251 311
Biweekly – employed $48.74 $63.21 $62.66 $79.13 $104.86
Monthly – retired $105.61 $136.95 $135.77 $171.44 $227.20
Elevate HDHP Standard Elevate Plus High
Self Plus One premium What you pay What you pay What you pay What you pay What you pay
Enrollment code 256 343 316 253 313
Biweekly – employed $112.11 $135.90 $134.73 $182.51 $244.76
Monthly – retired $242.90 $294.44 $291.92 $395.44 $530.31
Elevate HDHP Standard Elevate Plus High
Self and Family premium What you pay What you pay What you pay What you pay What you pay
Enrollment code 255 342 315 252 312
Biweekly – employed $136.48 $167.00 $164.85 $190.63 $302.25
Monthly – retired $295.71 $361.83 $357.17 $413.04 $654.87
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 that maintains your health benefit enrollment.
2022 GEHA MEDICAL PLANS 23Compare prescription coverage for all plans
What you pay in-network.1,2
Elevate HDHP Standard Elevate Plus High
Prescription type What you pay What you pay What you pay What you pay What you pay
• 30-day retail generic $4 25%3 $10 $10 $104
• 30-day preferred brand-name 50% ($500 max) 25%3,5 50% ($200 max5) $805 25% ($150 max4,5)
• 30-day non-preferred brand-name 100% 40%3,5 50% ($300 max5) 50%5 40% ($200 max4,5)
• 90-day mail order service generic No benefit 25%3 $20 $20 $20
• 90-day mail order service preferred
No benefit 25%3,5 50% ($500 max5) $2005 25% ($350 max5)
brand-name
• 90-day mail order service non-preferred
No benefit 40%3,5 50% ($600 max5) 50%5 40% ($500 max5)
brand-name
• 30-day specialty CVS exclusive generic and
50% ($500 max) 25%3,5 50% ($250 max5) 40% ($500 max5) 25% ($150 max5)
preferred brand-name
• 30-day specialty CVS exclusive non-preferred
100% 40%3,5 50% ($400 max5) 50%5 40% ($200 max5)
brand-name
Elevate and Elevate Plus do not have out-of-network pharmacy coverage and have a limited pharmacy network. Learn more about prescription
coverage at geha.com/Prescriptions
Check drug costs at info.caremark.com/GEHA
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For out-of-network benefits, refer to one of GEHA’s 2022 plan brochures: RI 71-006 (High and
Standard), RI 71-014 (HDHP) or RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
2 The out-of-pocket maximum is the maximum amount of coinsurance and copays you pay for all family members before GEHA begins paying for 100% of covered services. This is a combined maximum for both medical care and prescriptions.
3 Calendar year deductible applies.
4 Cost for initial prescription and first refill. You pay 50% for third and additional refills at retail for 30-day supply. For long term prescriptions, use mail order or your local retail CVS Pharmacy store (90-day supply) for greater cost savings.
5 If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the brand-name and the generic.
24 2022 GEHA MEDICAL PLANSGEHA works with Medicare A & B
COMPARE PRESCRIPTION | MEDICARE COVERAGE
GEHA offers five medical plan, each with coverage that coordinates with Medicare. For more
information, including benefits and rates, visit geha.com/Medicare
You’ve got
options with retail Elevate + HDHP + Standard + Elevate Plus High +
prescriptions Plan service Medicare Medicare Medicare + Medicare Medicare
Pay less for prescriptions filled NEW! Choice of plan perk1 Yes No No Yes No
at an in-network pharmacy
NEW! $800 Medicare Part
location. Locations include any No No No No Yes
B reimbursement
CVS Pharmacy location, but you
Coverage for in- and
don’t have to go to a CVS to Yes Yes Yes Yes Yes
out-of-network care2
pay in-network prices.
100% medical coverage
Find an in-network pharmacy (copays and deductibles
No No Yes Yes Yes
location at geha.com/Find-Care waived) with Medicare
A & B primary
Mail service pharmacy No Yes Yes Yes Yes
Non-preferred
No Yes Yes Yes Yes
drug coverage3
Vision and hearing aid
Yes Yes Yes Yes Yes
discounts or benefit4,5,6
Save more with mail
Coverage for care outside
order prescriptions of the United States
Yes Yes Yes Yes Yes
With CVS Caremark’s Mail
Service Pharmacy, you can save
NEW! in 2022 Elevate and Elevate Plus subscribers can select a plan perk from several
money and have your routine health and wellness options, including SilverSneakers fitness benefit for Elevate Plus only.1
prescriptions delivered to your To learn more, see page 14 or visit geha.com/PlanPerk
home, postage-paid, within
about 14 days from the time you
1 These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to subscribers who become a
submit your prescription. member of GEHA’s Elevate and Elevate Plus medical plans.
2 Though the Elevate Plus plan on it’s own does not provide out-of-network medical coverage when it’s combined with Medicare and the provider
accepts Medicare assignment, out-of-network cost shares are waived. There are no out-of-network pharmacy benefits for Elevate and Elevate Plus.
Mail order is not available for 3 With High plan, when Medicare A & B is primary, you pay a lower coinsurance for preferred and non-preferred brand medications.
4 These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to all enrollees who become
the Elevate plan option. members of GEHA and their eligible family members.
5 The HDHP plan also includes additional vision benefits. Learn more at geha.com/HDHPVision
6 Standard, Elevate Plus and High also include additional hearing aid benefits. Learn more at geha.com/Hearing
2022 GEHA MEDICAL PLANS 25Compare medical benefits for all plans
NOTE: The Elevate Plus medical plan does not offer out-of-network coverage.
Elevate HDHP Standard Elevate Plus High
Medical benefits in-network1 What you pay What you pay What you pay What you pay What you pay
Unlimited telehealth visits, including behavioral
$0 $02,3 $0 $0 $0
health, with MDLIVE
• Preventive care; adult routine screenings
$0 $0 $0 $0 $0
• Well-child visit; up to age 22
Maternity; routine care $0 $02 $0 $0 $0
MinuteClinic© (where available) $10 5%2 $10 $10 $10
Primary physician office visit $10 5%2 $15 $25 $20
Specialist care; office visit $25 5%2 $30 $40 $20
Urgent care $50 5%2 $35 $50 $35
$0 (must be within
Emergency care; accidental 25%2 5%2 15%2 $200
72 hours)
Emergency care; medical 25%2 5%2 15%2 $200 10%2
$250 per day up
$100 per admission
Hospital care; inpatient 25%2 5%2 15%2 to $1,000 per
plus 10%
admission
$250 per day up
Hospital care; inpatient maternity 25%2 $02 $0 to $1,000 per $0
admission
$250 per day per
Hospital care; outpatient 25%2 5%2 15%2 10%2
facility
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For out-of-network benefits, refer to one of GEHA’s 2022 plan brochures: RI 71-006 (High and
Standard), RI 71-014 (HDHP) or RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
2 Calendar year deductible applies.
3 If deductible is met, high deductible health plan (HDHP) member will be charged by MDLIVE but GEHA will then reimburse the member 100% of the billed charge.
26 2022 GEHA MEDICAL PLANSCOMPARE MEDICAL PLAN BENEFITS
Elevate HDHP Standard Elevate Plus High
Medical benefits in-network1 What you pay What you pay What you pay What you pay What you pay
Inpatient professional surgical services $250 5%2 15%2 $200 10%2
Outpatient professional surgical services 25%2 5%2 15%2 $200 10%2
Lab Card services No benefit No benefit $0 No benefit $0
Lab services (other than Lab Card) 25%2 5%2 15% $0 10%
Other diagnostic services 25% 5% 2
15% 2,3
$50 4
10%2
Chiropractic care visit (manipulative $10 up to 12 visits 5%2 up to 20 visits $30 up to 20 visits $25 up to 15 visits $20 up to 20 visits
therapy), including X-rays per year per year per year per year per year
Balance after GEHA
$0 twice yearly;
Preventive dental care No benefit 50% twice yearly No benefit pays $22 per visit,
no deductible
twice yearly
Acupuncture visit; 20 treatments
$10 5%2 15%2 $25 10%2
per year
Still unsure? Try our plan recommender tool Answer a few Your doctor is probably in-network GEHA has an extensive
simple questions and we’ll help you find a plan that might be nationwide network of up to 4 million provider locations. Check
right for your needs. geha.com/Select-A-Plan to see if your doctor is in-network. geha.com/Find-Care
1 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For out-of-network benefits, refer to one of GEHA’s 2022 plan brochures:
RI 71-006 (High and Standard), RI 71-014 (HDHP) or RI 71-018 (Elevate and Elevate Plus) at geha.com/PlanBrochure
2 Calendar year deductible applies.
3 Standard, you pay $175 ($100 professional fee, $75 facility fee) for advanced outpatient High Tech Imaging such as MRI, CT, PET, etc. You pay $175 ($100 professional fee, $75 facility fee) for High Tech Imaging such as MRI, CT,
PET, etc. Refer to GEHA’s 2022 plan brochure RI 71-006 (High and Standard) at geha.com/PlanBrochure
4 Elevate Plus, you pay 25% for advanced outpatient diagnostic tests such as, High Tech Imaging such as MRI, CT, PET, etc. Refer to GEHA’s 2022 plan brochure RI 71-018 (Elevate and Elevate Plus) for a complete list at
geha.com/PlanBrochure
2022 GEHA MEDICAL PLANS 27GEHA has a medical plan for your needs
Choose from five unique medical plans designed to meet you where you are in life.
Book an appointment
Meet one-on-one with a GEHA Benefits Adviser.
geha.com/Meet
Ready to enroll?
If you’ve found a plan that aligns with your Call us
needs, learn how to enroll in a plan today. Monday – Friday, 7 a.m. – 7 p.m. Central time.
geha.com/Enroll 800.262.4342
Chat with a GEHA representative
Chat with a Benefits Adviser in real time during Open Season.
This is a brief description of the features of Government Employees Health Association, geha.com
Inc.‘s medical plans. Before making a final decision, please read the GEHA Federal
brochures which are available at geha.com/PlanBrochure. All benefits are subject
to the definitions, limitations and exclusions set forth in the Federal brochure. For
information and changes to GEHA’s medical plans, see our three plan brochures – Watch a webinar
RI 71-006 (High and Standard), RI 71-014 (HDHP) and RI 71-018 (Elevate and
Elevate Plus) – which are available at geha.com/PlanBrochure Find a plan that’s right for you with an on-demand webinar.
geha.com/2022Webinars
Notice of Summary of Benefits and Coverage (SBC): Availability of Summary Health
Information: The Federal Employees Health Benefit (FEHB) program offers numerous
health benefits plans and coverage options. Choosing a health plan and coverage
option is an important decision. To help you make an informed choice, each FEHB plan Compare plans
makes available a Summary of Benefits and Coverage (SBC) about each of its health
coverage options, online and in paper. The SBC summarizes important information in geha.com/CompareMedical
a standard format to help you compare plans and options. GEHA’s SBCs are available
on the internet at geha.com/SBC. Paper copies are also available, free of charge, by
calling 800.821.6136.
Plan recommender tool
To find out more information about plans available under the FEHB program, including
SBCs for other FEHB plans, please visit opm.gov/Insure
geha.com/Select-A-Plan
©2021-2022 Government Employees Health Association, Inc. All rights reserved.
Please recycle.
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Get in touch
Let us help you choose a GEHA plan that
can work for you.
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