What Is the GEHA Federal Health Plan?


Quick Answer

The GEHA health plan is available to federal employees and retirees, such as postal workers, and provides an option between two levels of benefits, according to the official GEHA website. The plan augments the benefits of Medicare to those enrolled in both plans.

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Full Answer

The Standard Option plan is one of the lowest premium plans in the GEHA program, states GEHA. As of 2015, the copayment for a primary care visit is $15, and the copayment for a 30-day supply of a generic prescription drug is $10, with no annual deductible. The plan includes vision coverage for no additional premium and discounts for glasses and contact lenses.

The High Option plan completely covers hospital room and board within the provider network, notes GEHA. The network consists of nearly two million healthcare providers nationwide. Benefits are also available for services from providers outside the network. Coverage is available when the subscriber travels abroad. Savings for hearing and dental care are included at no additional cost.

If the subscriber is entitled to Medicare, GEHA coverage can reimburse for costs not covered by Medicare. If Medicare A & B is the primary insurance, GEHA waives deductibles, coinsurance and copayments. The subscriber files all his claims electronically by GEHA Express.

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