MHBP Standard Option

Standard Option is a highly preferred plan among federal employees. It’s got everything you need and more:

• Affordable rates—compare and save.

• Great benefits—from preventive care to hospitalization, even valuable extras like chiropractic care. View a summary of our 2008 Standard Option Benefits.

• Low out-of-pocket costs—with low PPO copayments you can better predict your health care expenses:
• $20 adult office visit copayment ($10 for dependent children under age 22)
• $10 copayment for generic medications from in-network retail pharmacies and competitive copayments for brand name prescription drugs with NO DEDUCTIBLE
• $15 copayment for PPO chiropractic visits (up to a $2,500 maximum, includes alternative and rehabilitative therapies combined)

• 100% coverage for many routine services:
• 100% coverage for one annual routine physical exam (age 18 and over—after you pay the low office visit copayment)
• 100% benefit for covered wellness screenings such as mammograms, cholesterol tests and more
• 100% benefit for well-child care visits
• 100% complete maternity care—including inpatient hospital room and board, pre and postnatal care and anesthesia

AND…no deductible applies to any of these services!

Standard Option has something for everyone: young adults, families, retirees and Medicare beneficiaries alike. View the Standard Option Summary of Benefits, or view our Official Plan Brochure for a complete description of benefits.