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2022 FEHB Plan Comparison Details

The information contained in this comparison tool is not the official statement of benefits. Before making your final enrollment decision, always refer to the individual FEHB brochure which is the official statement of benefits. The amounts shown below indicate what you will pay for each class of service. When you see a plus sign (+), it means you must pay the stated coinsurance AND any difference between your Plan’s allowance and the provider’s billed amount. When a “yes” appears indicating that there is coverage for a specific service, you must check the plan brochure for your cost share. NOTE: HDHP plans require that the combined medical and pharmacy deductible be met before traditional coverage begins. traditional coverage begins.

Costs & Network

Disclaimer: In some cases, the enrollee share of premiums for the Self Plus One enrollment type will be higher than for the Self and Family enrollment type. Enrollees who wish to cover one eligible family member are free to elect either the Self and Family or Self Plus One enrollment type. Check premiums on our website at www.opm.gov/fehbpremiums.

Self
Self
Self Plus One
Self Plus One
Self & Family
Self & Family




Plan Selection Comparison Tool

Plans Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) Blue Cross and Blue Shield Service Benefit Plan (Basic) GEHA Benefit Plan (HDHP) MHBP Consumer Option (HDHP)
Plan Links
General Information - State Alabama Alabama Alabama Alabama
General Information - Enrollment Code - Self 224 111 341 481
General Information - Enrollment Code - Self & Family 225 112 342 482
General Information - Enrollment Code - Self Plus One 226 113 343 483
General Information - Carrier Code 22 11 34 48
General Information - Telephone Number 877-459-6604 1-800-411-2583 800-821-6136 800-694-9901
Biweekly Premium Self
$135.59
Self
$80.18
Self
$63.21
Self
$76.40
Self
Biweekly Premium Self Plus One
$298.12
Self Plus One
$196.13
Self Plus One
$135.90
Self Plus One
$169.07
Self Plus One
Biweekly Premium Self & Family
$265.06
Self & Family
$212.29
Self & Family
$167.00
Self & Family
$177.52
Self & Family
Plans - Networks Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) -
In-Network 1
Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) -
Out-of-Network
Blue Cross and Blue Shield Service Benefit Plan (Basic) -
In-Network 1
GEHA Benefit Plan (HDHP) -
In-Network 1
GEHA Benefit Plan (HDHP) -
Out-of-Network
MHBP Consumer Option (HDHP) -
In-Network 1
MHBP Consumer Option (HDHP) -
Out-of-Network
Annual Deductible
Annual Deductible: The amount you may have to pay for covered health care services before the plan begins to pay. Some plans have both an overall deductible for all or most covered items/services, but some also have separate deductibles for specific types of services (e.g. prescription services).
Self
$1,800.00
Self
$2,600.00
Self
None
Self
$1,500.00
Self
$3,000.00
Self
$2,000.00
Self
$2,000.00
Self
Annual Deductible
Annual Deductible: The amount you may have to pay for covered health care services before the plan begins to pay. Some plans have both an overall deductible for all or most covered items/services, but some also have separate deductibles for specific types of services (e.g. prescription services).
Self Plus One
$3,600.00
Self Plus One
$5,200.00
Self Plus One
None
Self Plus One
$3,000.00
Self Plus One
$6,000.00
Self Plus One
$4,000.00
Self Plus One
$4,000.00
Self Plus One
Annual Deductible
Annual Deductible: The amount you may have to pay for covered health care services before the plan begins to pay. Some plans have both an overall deductible for all or most covered items/services, but some also have separate deductibles for specific types of services (e.g. prescription services).
Self & Family
$3,600.00
Self & Family
$5,200.00
Self & Family
None
Self & Family
$3,000.00
Self & Family
$6,000.00
Self & Family
$4,000.00
Self & Family
$4,000.00
Self & Family
Type of Account
HSA/HRA HSA/HRA None HSA/HRA HSA/HRA HSA/HRA HSA/HRA
Medical Account Contribution
The amount of funds available to you for paying your out-of-pocket qualified medical expenses through a premium pass-through contribution or a virtual account.
$800.00
Self
$800.00
Self
N/A
$900.00
Self
$900.00
Self
$1,200.00
Self
$1,200.00
Self
Medical Account Contribution
The amount of funds available to you for paying your out-of-pocket qualified medical expenses through a premium pass-through contribution or a virtual account.
$1,600.00
Self Plus One
$1,600.00
Self Plus One
N/A
$1,800.00
Self Plus One
$1,800.00
Self Plus One
$2,400.00
Self Plus One
$2,400.00
Self Plus One
Medical Account Contribution
The amount of funds available to you for paying your out-of-pocket qualified medical expenses through a premium pass-through contribution or a virtual account.
$1,600.00
Self & Family
$1,600.00
Self & Family
N/A
$1,800.00
Self & Family
$1,800.00
Self & Family
$2,400.00
Self & Family
$2,400.00
Self & Family
Net Deductible
A net deductible is the sum of your deductible minus any medical account fund.
$1,000.00
Self
$1,800.00
Self
None
Self
$600.00
Self
$2,100.00
Self
$800.00
Self
$800.00
Self
Net Deductible
A net deductible is the sum of your deductible minus any medical account fund.
$2,000.00
Self Plus One
$3,600.00
Self Plus One
None
Self Plus One
$1,200.00
Self Plus One
$4,200.00
Self Plus One
$1,600.00
Self Plus One
$1,600.00
Self Plus One
Net Deductible
A net deductible is the sum of your deductible minus any medical account fund.
$2,000.00
Self & Family
$3,600.00
Self & Family
None
Self & Family
$1,200.00
Self & Family
$4,200.00
Self & Family
$1,600.00
Self & Family
$1,600.00
Self & Family
Annual Out-of-Pocket Maximum
Annual Maximum Out of Pocket: Yearly amount the Federal government sets as the most each individual or family is required to pay in cost sharing (e.g. copayments, deductibles and coinsurance) during the plan year for covered, in-network services. This amount may be higher than the out of pocket limits the plan sets.
$6,900.00
Self
$9,000.00
Self
$6,500.00
Self
$5,000.00
Self
$7,000.00
Self
$6,000.00
Self
$7,500.00
Self
Annual Out-of-Pocket Maximum
Annual Maximum Out of Pocket: Yearly amount the Federal government sets as the most each individual or family is required to pay in cost sharing (e.g. copayments, deductibles and coinsurance) during the plan year for covered, in-network services. This amount may be higher than the out of pocket limits the plan sets.
$13,800.00
Self Plus One
$18,000.00
Self Plus One
$13,000.00
Self Plus One
$10,000.00
Self Plus One
$14,000.00
Self Plus One
$12,000.00
Self Plus One
$15,000.00
Self Plus One
Annual Out-of-Pocket Maximum
Annual Maximum Out of Pocket: Yearly amount the Federal government sets as the most each individual or family is required to pay in cost sharing (e.g. copayments, deductibles and coinsurance) during the plan year for covered, in-network services. This amount may be higher than the out of pocket limits the plan sets.
$13,800.00
Self & Family
$18,000.00
Self & Family
$13,000.00
Self & Family
$10,000.00
Self & Family
$14,000.00
Self & Family
$12,000.00
Self & Family
$15,000.00
Self & Family
Member Cost with Medicare A & B Primary - Deductible Waiver
Member Cost with Medicare A & B Primary - This field will indicate either the amount of your annual deductible or that the deductible has been waived (forgiven) when Medicare A and B is the primary coverage.
$1800 $2600 N/A $1500 $3000 $3000 $6000 Deductible Waived Deductible Waived
Member Cost with Medicare A & B Primary - Out-of-Pocket Maximum
Member Cost with Medicare A & B Primary - This is the most you have to pay annually in cost-sharing (deductibles, copayments and coinsurance) for covered, in-network services in your FEHB plan when Medicare A and B is your primary coverage.
$6900 $9000 $6500 $13000 $5000 $10000 $7000 $14000 $6000 $12000 $7500 $15000
Member Cost with Medicare A & B Primary - Primary Care Office Visit with Medicare A & B Primary
Member Cost with Medicare A & B Primary - This is the amount you pay for a primary care visit. When you have Medicare A and B, some plans will waive the copay.
15% 40% Member Pays Nothing 5% 25% + Member Pays Nothing Member Pays Nothing +
Member Cost with Medicare A & B Primary - Specialty Office Visit
Member Cost with Medicare A & B Primary - This is the amount you pay for a Specialty care visit. When you have Medicare A and B, some plans will waive the copay.
15% 40% Member Pays Nothing 5% 25% + Member Pays Nothing Member Pays Nothing +
Member Cost with Medicare A & B Primary - Inpatient Hospital
Member Cost with Medicare A & B Primary - This is the amount you pay for an inpatient hospital stay. When you have Medicare A and B, some plans waive this amount.
15% 40% Member Pays Nothing 5% 25% + Member Pays Nothing Member Pays Nothing +
Member Cost with Medicare A & B Primary - Outpatient Hospital
Member Cost with Medicare A & B Primary - This is the amount you pay for an outpatient hospital visit when you have Medicare Parts A & B as your primary coverage.What is the amount a member with Medicare A and B pays for an outpatient hospital visit?
15% 40% Member Pays Nothing 5% 25% + Member Pays Nothing Member Pays Nothing +
Member Cost with Medicare A & B Primary - Part B Premium Reimbursement
Member Cost with Medicare A & B Primary - If a plan reimburses you for your Part B premiums, this displays the maximum amount that you will be reimbursed. A ‘No” means that the premium will not be reimbursed.
No No $800 Max $900 max N/A No No
Primary/Specialty Care - Preventive Care
Primary/Specialty Care - What is the member cost share for Preventive Care, as defined by the U.S. Preventive Services Task Force with a rating of A or B?
You pay nothing 40% + Member Pays Nothing You pay nothing 25% + Member Pays Nothing Member Pays All Charges
Primary/Specialty Care - Primary Care Office Visit
Primary/Specialty Care - The amount you pay for a visit to a primary care practitioner (typically an M.D. or D.O., but can include other licensed providers).
15% 40% + $30 5% 25% + $15 40% +
Primary/Specialty Care - Specialist Office Visit
Primary/Specialty Care - The amount you pay for a visit to a provider focusing on a specific area of medicine. Some plans require a referral from your primary care provider for you to see a specialist. You must get a referral, if required, or your plan may not pay for the services.
15% 40% + $40 5% 25% + $15 40% +
Primary/Specialty Care - Plan Requires Referral to See Certain Specialists
Primary/Specialty Care - A written order from your primary care provider for you to see a specialist or get certain health care services. Some plans may require you need to get a referral before you can get health care services from anyone other than your primary care provider. In those plans, if you don’t get a referral first, the plan may not pay for the services
No No No No No No No
Emergency & Urgent Care - Emergency Care
Emergency & Urgent Care - What is the member cost share for Emergency Care?
15% 15% $175 5% 5% + $50 $50 +
Emergency & Urgent Care - Urgent Care
Emergency & Urgent Care - What is the member cost share for Urgent Care?
15% 40% + $35 5% 25% + $50 $50 +
Emergency & Urgent Care - Out-of-Pocket Waived
Emergency & Urgent Care - Is a member's Out-of-Pocket cost waived when the member is admitted to the hospital following ER treatment? Select "NA" if a member pays nothing for any medical emergency.
No No Yes No No Yes Yes
Surgery & Hospital Charges - Doctor Costs Inpatient Surgery
Surgery & Hospital Charges - The amount you will pay for a doctor to perform inpatient surgery.
15% 40% + $200 5% 25% + Member Pays Nothing 40% +
Surgery & Hospital Charges - Hospital Inpatient Cost Per Admission
Surgery & Hospital Charges - This is the amount you pay before the Plan pays benefits when you are admitted as an inpatient to a hospital.
15% 40% + $175 Per Day Up To $875 Per Admission 5% 25% + $75 Per Day $750 max 40% +
Surgery & Hospital Charges - Room & Board Charges
Surgery & Hospital Charges - This is the amount you pay for covered Room & Board charges while an inpatient in a hospital.
15% 40% + Member Pays Nothing 5% 25% + Member Pays Nothing 40% +
Surgery & Hospital Charges - Other Inpatient Costs
Surgery & Hospital Charges - This is the amount you pay for other costs associated with inpatient surgery.
15% 40% + Member Pays Nothing 5% 25% + Member Pays Nothing 40% +
Surgery & Hospital Charges - Doctor Costs Outpatient Surgery
Surgery & Hospital Charges - This is the amount you pay for a doctor to perform surgery in an outpatient hospital setting or ambulatory surgery center.
15% 40% + $150 Or $200 5% 25% + $150 40% +
Surgery & Hospital Charges - Other Outpatient Costs
Surgery & Hospital Charges - This is the amount you pay for other outpatient care at a hospital (not surgery or emergency room services).
15% 40% + $100 Per Day Or $150 Per Day 5% 25% + $75 40% +
Lab, X-Ray & Other Diagnostic Tests - Simple Diagnostic Tests/Procedures
Lab, X-Ray & Other Diagnostic Tests - What is the member cost share for Simple Diagnostic Tests/Procedures (e.g., blood tests, urinalysis, ultrasounds)?
15% 40% + $0 Or $30 Or $40 5% 25% + $15 40% +
Lab, X-Ray & Other Diagnostic Tests - Complex Diagnostic Tests/Procedures
Lab, X-Ray & Other Diagnostic Tests - What is the member cost share for Complex Diagnostic Tests/Procedures (e.g., CT scans, MRIs, PET scans, sleep labs)?
15% 40% + $40 Or $100 5% 25% + $15 40% +
Lab, X-Ray & Other Diagnostic Tests - Enhanced Lab Network
Lab, X-Ray & Other Diagnostic Tests - What is the member cost share for Enhanced lab Network?
15% 40% + N/A N/A N/A Member Pays Nothing 40% +
Prescription Drugs - Separate Annual Out-of-Pocket Maximum None None None None None None None
Prescription Drugs - Separate Annual Deductible
None
Self
None
Self
None
Self
None
Self
None
Self
None
Self
None
Self
Prescription Drugs - Separate Annual Deductible
None
Self Plus One
None
Self Plus One
None
Self Plus One
None
Self Plus One
None
Self Plus One
None
Self Plus One
None
Self Plus One
Prescription Drugs - Separate Annual Deductible
None
Self & Family
None
Self & Family
None
Self & Family
None
Self & Family
None
Self & Family
None
Self & Family
None
Self & Family
Prescription Drugs - Retail Generic
Prescription Drugs - The amount you will pay to fill a prescription for retail generic drugs.
Tier 1: $10 Tier 3: 50% $300 max 40% + Tier 1: $10 25% 25% + $10 Member Pays All Charges
Prescription Drugs - Retail Brand
Prescription Drugs - The amount you will pay to fill a prescription for retail brand name drugs.
Tier 2: 50% $200 max Tier 3: 50% $300 max 40% + Tier 2: $55 Tier 3: 60% $75 min 25% Or 40% 25% + Or 40% + Tier 2: 30% + $200 max Tier 3: 50% + $200 max Member Pays All Charges
Prescription Drugs - Specialty
Prescription Drugs - Your cost share for specialty prescription drugs. Specialty prescription drugs are high cost, complex drugs placed on a specialty tier of the formulary and/or dispensed from a designated specialty pharmacy.
Tier 4: 50% $350 Max Tier 5: 50% $700 Max Member Pays All Charges Tier 4: $85 Or Tier 4: $80 Tier 5: $110 Or Tier 5: $100 25% Or 40% N/A Tier 4: 30% $225 Max Tier 5: 30% $225 Max Tier 6: 30% $275 Max Member Pays All Charges
Prescription Drugs - Mail Service Pharmacy Benefit
Prescription Drugs - This is the amount you pay for a mail order prescription. These are medications sent via mail for maintenance prescriptions, typically greater than a 30-day supply.
Yes No No Yes N/A Yes No
Prescription Drugs - Mail Order Pharmacy Restriction
Prescription Drugs - Mail order drug dispensing may be restricted to a specific mail order pharmacy. For more details, refer to the medication pricing tool.
Yes N/A N/A Yes N/A Yes N/A
Prescription Drugs - Specialty Pharmacy Restriction
Prescription Drugs - Specialty drug dispensing may be restricted to a specific specialty pharmacy. For more details, refer to the medication pricing tool.
Yes N/A Yes Yes N/A Yes N/A
Treatment Therapies - Applied Behavioral Analysis (ABA)
Treatment Therapies - This is the amount you pay for Applied Behavior Analysis (ABA) coverage.
15% 40% + $30 Or $40 5% 25% + $15 40% +
Treatment Therapies - Chiropractic
Treatment Therapies - Your cost share for chiropractic care.
Member Pays All Charges Member Pays All Charges $30 5% 25% + Difference Between Plan Allowance and Billed Amount $15 40% +
Treatment Therapies - Occupational Therapy
Treatment Therapies - Your cost share for occupational therapy.
15% 40% + $30 Or $40 5% 25% + $15 40% +
Treatment Therapies - Physical Therapy
Treatment Therapies - Your cost share for physical therapy.
15% 40% + $30 Or $40 5% 25% + $15 40% +
Treatment Therapies - Speech Therapy
Treatment Therapies - Your cost share for speech therapy.
15% 40% + $30 Or $40 5% 25% + $15 40% +
Dental - Preventive Dental for Adults
Dental - Does the plan cover Preventive Dental for Adults?
Yes No Yes Yes Yes No No
Dental - Preventive for Children
Dental - Does the plan cover Preventive Dental for Children?
Yes No Yes Yes Yes No No
Dental - Minor Restorative for Adults
Dental - Does the plan cover Minor Restorative for Adults (e.g., fillings, local anesthesia)?
No No No Yes Yes No No
Dental - Minor Restorative for Children
Dental - Does the plan cover Minor Restorative for Children (e.g., fillings, local anesthesia)?
No No No Yes Yes No No
Dental - Major Restorative for Adults
Dental - Does the plan cover Major Restorative for Adults (e.g., endodontics, crowns, prosthodontics)?
No No No No No No No
Dental - Major Restorative for Children
Dental - Does the plan cover Major Restorative for Children (e.g., endodontics, crowns, prosthodontics)?
No No No No No No No
Dental - Orthodontic
Dental - Does the plan cover Orthodontics?
No No No No No No No
Vision - Routine Eye Exams
Vision - Does the plan cover Routine Eye Exams?
Yes Yes No Yes Yes No No
Vision - Eye Exams for Medical Condition or Non-Surgical Treatment
Vision - Does the plan cover Eye Exams for Medical Condition or Non-Surgical Treatment?
Yes Yes Yes Yes Yes Yes Yes
Vision - Eyeglass Frames & Lenses
Vision - Does the plan cover Eyeglass Frames and Lenses?
Yes Yes No Yes Yes Yes Yes
Vision - Contacts
Vision - Does the plan cover Contacts?
Yes Yes No Yes Yes Yes Yes
Alternative Care - Alternative Care
Alternative Care - Your plan may cover some type of alternative care such as: acupuncture, massage therapy, hypnotherapy, holistic medicine, Yoga, herbal treatments, or naturopathic services. Please consult the plan brochure for more information.
Yes Yes Yes Yes Yes Yes Yes

Key:  Excellent  Very Good  Good  Fair  Poor         NA  (NA is displayed if a plan did not report or is unable to report a result in this coverage area.)
Plans Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) Blue Cross and Blue Shield Service Benefit Plan (Basic) GEHA Benefit Plan (HDHP) MHBP Consumer Option (HDHP)
Quality - Controlling High Blood Pressure
People with high blood pressure receive effective treatment.
Fair Fair Good Good
Quality - Comprehensive Diabetes Care - HbA1c <8%
Do people with diabetes have their condition under control?
Fair Fair Good Outstanding
Quality - Timeliness of Prenatal Care
Pregnant women receive care in the first trimester.
Fair Good Good Good
Quality - Avoidance of Antibiotic Treatment for Acute Bronchitis / Bronchiolitis - Ages 18-64
Appropriate use of antibiotics for acute bronchitis.
Poor Poor Fair Fair
Quality - Asthma Medication Ratio
Appropriate ratio of controller medications to total asthma medications.
Outstanding Excellent Excellent Excellent
Quality - Breast Cancer Screening
Do women who need screening mammograms get them?
Poor Good Poor Poor
Quality - Follow-Up After Emergency Department Visit for Alcohol and Other Drug Abuse or Dependence - 30-day
Follow-up appointment within 30 days of discharge.
NA Good Fair Poor
Quality - Follow-Up After Emergency Department Visit for Mental Illness - 30-day
Follow-up appointment within 30 days of discharge.
Poor Fair Fair Poor
Quality - Well-Child Visits in First 30 Months of Life (First 15 Months)
Recommended well-child visits completed.
Poor Good Good Fair
Quality - Use of Imaging Studies for Low Back Pain
Appropriate treatment of lower back pain.
Poor Fair Good Fair
CustomerService - Overall Plan Satisfaction
How pleased are customers with the plan overall?
Good Outstanding Outstanding Fair
CustomerService - Claims Processing
How quickly do customers say the plan handles claims?
Fair Excellent Fair Good
CustomerService - Getting Needed Care
Members report getting the care they need.
Good Excellent Good Poor
CustomerService - Coordination of Care
Members say that their doctors know about care from other providers.
Poor Poor Good NA
Control Panel