High Option for federal employees
Choose a health plan that offers low copays, affordable deductibles, and a nationwide UnitedHealthcare network.
High Option highlights
With low copays and low deductibles, the High Option is a premier plan in the Federal Employee Health Benefits (FEHB) Program.
100% coverage for many in-network services
- Preventive care and screenings
- Routine mammograms, including 3D mammograms, covered for members age 35 and older:
- From age 35 through 39, one during this five-year period
- From age 40, one every calendar year
- Maternity care and support
- Accidental injury outpatient services within 72 hours
- Lab tests (covered blood work performed at LabCorp and Quest Diagnostics)
- Tobacco cessation program
- Visits to a registered dietician/nutritionist
- Male sterilization
$450 in-network deductible for Self or $800 in-network deductible for Self Plus One or Self & Family.
$25 copay for office visits, including specialists.
$30 copay for all urgent care centers.
$10 for retail non-speciality Tier 1 drugs.
Find out if the High Option is right for you:
Watch our High Option explainer video
High Option premiums
NEW for 2026: 100% in-network coverage for male sterilization
Premiums
| FEHB enrollment code | Biweekly | Monthly / Retiree |
|---|---|---|
| Self - 471 | $140.16 | $303.68 |
| Self + One - 473 | $265.11 | $574.40 |
| Self & Family - 472 | $337.72 | $731.73 |
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Pharmacy
Dental
High Option members receive dental benefits as part of the medical plan, including coverage for routine dental care, exams, cleanings, x-rays, and fluoride treatment.
Additional benefits
Behavioral
health
Infertility
services
Cancer Centers of
Excellence
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