Consumer Driven Option for federal employees
Your own Personal Care Account (PCA) helps pay for medical expenses.
Consumer Driven Option highlights
Benefits at a glance
Personal Care Account (PCA)
Choose how to spend your healthcare dollars
The Consumer Driven Option includes a PCA that covers 100% of all eligible expenses. Each year, the Plan adds to your account:
for Self
for Self Plus One and Self and Family
No upfront deductible, coinsurance, or copay until you use up the funds in your PCA.
Get a $25 wellness incentive added to your PCA for yourself and each covered family member who completes:
- Annual physical exam
- Mammogram
- Cervical cancer screening
Dental and vision services are payable out of your PCA.
The plan covers 90% of care received at a Cancer Center of Excellence.
Learn more about the Consumer Driven Option plan.
Watch our Consumer Driven Option explainer video
Consumer Driven Option 2025 premiums
Low rates with your own PCA
Premiums
| FEHB enrollment code | Biweekly | Monthly / Retiree |
|---|---|---|
| Self - 474 | $86.00 | $186.33 |
| Self + One - 476 | $186.91 | $404.97 |
| Self & Family - 475 | $203.90 | $441.79 |
Pharmacy
Dental
Additional benefits
Behavioral
health
Infertility
services
Cancer Centers of
Excellence
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