Rewards and savings
Earn money with Healthy Rewards and save more with our perks program featuring discounts on chiropractic care, vision, gym memberships and more.
More choices. More savings. Coverage you trust.
Eligible FEHB members can benefit from new lower contribution rates. And Medicare-eligible federal retirees can now stay with Geisinger through its Geisinger Medicare Advantage plan.
More value. More support. More from your health plan.
Whole-person care
We’re leading the way in whole-person care — from preventive care to wellness to mental health and best-in-class specialists.
Local expertise
With a vast regional network and renowned centers of excellence, we offer highly sought-after, award-winning care in your backyard and beyond.
Explore your options
With GHP, federal employees get more than just insurance. We've provided health coverage to Pennsylvanians for more than 50 years offering improved outcomes and reduced costs. Plus you'll have access to one of the broadest networks in the region — beyond Geisinger health facilities — and worldwide urgent and emergency care coverage.
See how we can make better health easier for you.
2027 FEHB plan options
You’ve spoken. We’ve listened. Now delivering better value.
For comprehensive details about coverage effective dates, enrollment procedures, deadlines and more, visit opm.gov/healthcare-insurance and contact your agency benefits officer directly.
Deductible and out-of-pocket maximum
| Benefits and services | Standard option | Basic option |
| Deductible | $350/$700* | None* |
| Out-of-pocket maximum | $5,000/$10,000* | $8,550/$17,100* |
*Single vs. family deductibles
Outpatient services
| Benefits and services | Standard option | Basic option |
| Preventive care | $0 | $0 |
| Telehealth | $5 | $5 |
| Primary care office visit | $20 | $35 |
| Specialty care office visit | $35 | $50 |
| Laboratory tests | 20% after deductible | 30% after deductible |
| X-rays | 20% after deductible | 30% after deductible |
| Chiropractic services (15 visits) | $20 | $35 |
Hospital services
| Benefits and services | Standard option | Basic option |
| Outpatient surgery | 20% after deductible | 30% after deductible |
| Inpatient hospital | 20% after deductible | 30% after deductible |
Emergency and urgent care
| Benefits and services | Standard option | Basic option |
| Urgent care | $20 | $50 |
| Emergency care | $150 | $250 |
Prescription drugs
| Benefits and services | Standard option | Basic option |
| Generic | $15 | $15 |
| Preferred brand | $60 | $60 |
| Non-preferred brand | $90 | $90 |
| Specialty | $150 | $150 |
All benefits are subject to the definitions, limitations and exclusions set forth in the federal brochure.
Your 2027 premium share: Standard option
| Type | Enrollment code | Biweekly | Monthly |
| Self only | GG4 | $147.67 | $319.36 |
| Self plus 1 | GG6 | $312.20 | $676.44 |
| Self and family | GG5 | $300.28 | $650.60 |
Your 2027 premium share: Basic option
| Type | Enrollment code | Biweekly | Monthly |
| Self only | AJ1 | $127.50 | $276.25 |
| Self plus 1 | AJ3 | $268.63 | $582.03 |
| Self and family | AJ2 | $274.48 | $594.71 |
Compare our 2026 plan and see the difference!
Download the 2026 FEHB at a glance brochure.
Your 2026 premium share: Standard option
| Type | Enrollment code | Biweekly | Monthly |
| Self only | GG4 | $242.16 | $524.68 |
| Self plus 1 | GG6 | $513.81 | $1,113.25 |
| Self and family | GG5 | $519.98 | $1,126.63 |
Your 2026 premium share: Basic option
| Type | Enrollment code | Biweekly | Monthly |
| Self only | AJ1 | $215.42 | $466.74 |
| Self plus 1 | AJ3 | $455.99 | $987.98 |
| Self and family | AJ2 | $458.72 | $993.90 |
See what's covered
Family planning
Contraception coverage
Contraceptive coverage, including counseling and sterilization, is available at no cost to GHP members. See pages 33 and 34 of the benefits brochure for details.
GHP prior authorization process allows providers to make an urgent request, which would be completed in 24 hours. If you have difficulty getting contraceptive coverage or other reproductive healthcare, contact contraception@opm.gov.
View contraception coverage
Infertility benefits
Learn about coverage for infertility evaluation and treatment.
Ready to enroll?
Find your enrollment code in the charts above. Then you can enroll online at opm.gov or contact your ABO for further guidance and information.
Why choose Geisinger?
Built on innovation, we provide a wide network and offer focused benefits to keep you well.
Common questions
What is FEHB?
FEHB is an acronym for Federal Employee Health Benefits. Geisinger Health Plan offers 2 health plans, basic and standard — both approved by the Office of Personnel Management (OPM) — for employees of the federal government.
We also offer a plan for Medicare-eligible members.
What is FEHB open season?
Open season is the set time period federal employees can choose their health benefits for the year.
When is FEHB open season?
Federal employees must choose their benefits between Nov. 9 and Dec. 14, 2026, for coverage starting Jan. 1, 2027.
Effective date: FEHB enrollment changes for most employees generally become effective on the first day of the first full pay period beginning on or after Jan. 1, which is expected to be Jan. 10, 2027. Members should confirm final dates, eligibility, enrollment timing and coverage details in official FEHB and plan materials.
Effective date: FEHB enrollment changes for most employees generally become effective on the first day of the first full pay period beginning on or after Jan. 1, which is expected to be Jan. 10, 2027. Members should confirm final dates, eligibility, enrollment timing and coverage details in official FEHB and plan materials.
Can I change my FEHB plan outside of open season?
Yes, but only if you have a qualifying life event (QLE). You must submit your change within 60 days of that event occurring. Common QLEs are:
- Getting married, divorcing or legally separating
- Having a baby, adopting a child or getting a new foster child
- Death of a spouse or a covered family member
- Moving outside your current health plan’s service area
- Losing other health insurance coverage
Talk to a customer service representative for more information or learn more about QLEs from OPM.
Already a Geisinger Health Plan member?
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Get support
Are you a member with questions?
Our friendly customer service staff are here to help members with answers.
Hours: Monday – Friday, 7 a.m. – 7 p.m., Saturday 8 a.m. – 2 p.m., excluding major holidays.
Disputed claims process
Learn how to file a claim or appeal.
Geisinger Health Plan may refer collectively to health care coverage sponsors Geisinger Health Plan, Geisinger Quality Options, Inc., and Geisinger Indemnity Insurance Company, unless otherwise noted. Geisinger Health Plan is part of Geisinger, an integrated health care delivery and coverage organization.