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 |
For some services, you'll have a copay or coinsurance
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 | 30% of Plan allowance |
| Urgent care | $30 copay |
| Ambulance | 15% of Plan allowance |
| Physical therapy | 15% of Plan allowance (60 visits per year) |
| Chiropractic care | $25 copay (24 visits per year) |
| Acupuncture | $25 copay (24 visits per year) |
Access High Option tools, resources, and benefit details
Prescription coverage
OptumRx manages your pharmacy benefits and offers home delivery.
Health management programs
Protect your well-being and live a healthier life, usually with no out-of-pocket costs.
Benefits & coverage
Your plan covers preventive care, medical visits, dental care, mental health, and more.
Download and access Health Plan resources
