GEHA Insurance
GEHA Insurance

GEHA Insurance: Government Employees Health Association

Founded in 1937 by postal workers, the Government Employees Health Association (GEHA) is a self-insured, not-for-profit organization dedicated to providing comprehensive health benefits to federal employees, retirees, and their families. Headquartered in Lee’s Summit, Missouri, GEHA has grown to serve over 2 million members worldwide, ensuring their access to quality medical and dental care.

GEHA Overview

  • Full Name: Government Employees Health Association (GEHA)
  • Type: Self-insured, not-for-profit association
  • Founded: 1937 (87 years ago)
  • Headquarters: Lee’s Summit, Missouri, United States
  • President: Julie Browne
  • Key People: Arthur A. Nizza, DSW (President and CEO)
  • Employees: Approximately 1,500
  • Services: Provides medical and dental plans to federal employees, retirees, and their families through the Federal Employees Health Benefits Program and the Federal Employees Dental and Vision Insurance Program.
  • Members: Serves over 2 million people worldwide.
  • Subsidiaries: GEHA Solutions, Surety Life
  • Mission: Founded by postal workers to protect the health and well-being of federal employees.

As a key player in the Federal Employees Health Benefits Program and the Federal Employees Dental and Vision Insurance Program, GEHA offers a range of plans tailored to meet the diverse needs of its members. With approximately 1,500 employees, GEHA operates under the leadership of President Julie Browne and CEO Arthur A. Nizza, DSW.

GEHA’s mission centers on protecting the health and well-being of federal employees, reflecting its roots in the postal service community. The organization continues to adapt and innovate, striving to provide the best possible benefits and services for its members, including subsidiaries like GEHA Solutions and Surety Life.

Evolution of the company name

The company’s name has changed six times since its founding in 1937:

  • 1937: Railway Mail Hospital Association
  • 1950: Postal Transport Hospital Association
  • 1958: Federal Postal Hospital Association
  • 1964: Federal Employees Hospital Association
  • 1965: Government Employees Hospital Association
  • 2007: Government Employees Health Association

Exclusively for federal employees.

G.E.H.A exclusively serves federal employees, federal retirees, military retirees and their families. That means our health plans are specially designed for you.

Large network.

G.E.H.A gives you access to millions of providers across the country. Health plan members also get telehealth access to doctors, pediatricians and behavioral health therapists. Anytime. Anywhere.

Earn rewards.

GEHA Elevate and Elevate Plus health plans reward you for your healthy behavior. You can receive up to $500 annually (or up to $1,000 for two family members) in Wellness Pays rewards.

Benefit plans for every life stage.

G.E.H.A offers diverse benefit plan portfolios that provide a great value at any stage of life. We have a plan that fits your priorities, whether it’s low deductibles, rewards for healthy living, Medicare coordination or extended prescription coverage.

Made for Medicare.

G.E.H.A’s Standard and High medical plans offer no-to-low deductibles and copays for Medicare enrollees plus comprehensive prescription coverage. Our High plan even provides a Medicare Part B Reimbursement Account of $1,000 to help cover premiums

Plus: Two GEHA Medicare Advantage Plans. See what additional benefits and features are available.

2025 FEHB Elevate plan highlights

  • Our lowest premium plan to keep more dollars in your pocket each month
  • Low copays on the services you use most — primary care and specialist visit and generic prescription drugs
  • Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
  • $10 copays for in-office mental health visits
  • Unlimited access to care when you need it with $0 copay telehealth from MDLIVE
  • Low copays on chiropractic and acupuncture services
  • Choose one exclusive annual Plan Perk, such as a REI or DICK’S Sporting Goods gift card or a 12-month Daily Burn virtual fitness subscription to support a healthy lifestyle.*

2025 FEHB rates

Pay frequencySelf OnlySelf Plus OneSelf and Family
Biweekly — employed$57.83$139.51$169.84
Monthly — retired$125.29$302.27$367.98
GEHA Insurance FEHB Rate Card

Costs (what you pay in-network)

In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For out-of-network benefits, check the G.E.H.A Plan Brochure.

Medical benefitWhat you pay
Preventive care
Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more
$0
Primary care office visits$10
Mental health office visits$10
Specialist office visit$30
MinuteClinic / Urgent care facility visit$10 / $50
Unlimited telehealth visits, including mental health, with   MDLIVE$0
Emergency room visit25%1
Hospital care; inpatient and outpatient (including maternity)25%1 / 25%1
Lab services25%1
X-Rays and other diagnostic services25%1
Chiropractic care (up to 12 visits per year)$10
Acupuncture (up to 20 visits per year)$10

Prescription benefits

The table below summarizes your cost for prescription drugs with the Elevate plan. This plan has no out-of-network pharmacy coverage. For details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.

2025 PSHB Elevate plan highlights

Elevate plan highlights

  • Our lowest premium plan to keep more dollars in your pocket each month
  • Low copays on the services you use most — primary care and specialist visit and generic prescription drugs
  • Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
  • $10 copays for in-office mental health visits
  • Unlimited access to care when you need it with $0 copay telehealth including mental health from MDLIVE
  • Low copays on chiropractic and acupuncture services
  • Choose one exclusive annual Plan Perk, such as a REI or DICK’S Sporting Goods gift card or a 12-month Daily Burn virtual fitness subscription to support a healthy lifestyle.*

2025 PSHB rates

Pay frequencySelf OnlySelf Plus OneSelf and Family
Biweekly — Postal workers$68.14$164.38$200.12
Monthly — retired$147.63$356.17$433.60
GEHA Insurance PSHB Rate Card

Costs (what you pay in-network)

In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider’s negotiated amount. For out-of-network benefits, check the G.E.H.A Plan Brochure.

Medical benefitWhat you pay
Preventive care
Annual physical exam, routine screenings, well-child care, maternity care, immunizations and more
$0
Primary care office visits$10
Mental health office visits$10
Specialist office visit$30
MinuteClinic / Urgent care facility visit$10 / $50
Unlimited telehealth visits, including mental health, with   MDLIVE$0
Emergency room visit25%1
Hospital care; inpatient and outpatient (including maternity)25%1 / 25%1
Lab services25%1
X-Rays and other diagnostic services25%1
Chiropractic care (up to 12 visits per year)$10
Acupuncture (up to 20 visits per year)$10

Deductible and out-of-pocket maximum

Network benefitsSelf OnlySelf Plus OneSelf and Family
Yearly deductible  (what you pay in-network)$500$1,000$1,000
Out-of-pocket maximum5  (what you pay in-network)$8,500$17,000$17,000
GEHA Insurance FEHB Deductible & Out of Pocket max

Prescription benefits

For added convenience and management of medications, prescription benefits include access to presorted multi-dose packets. Packets can be delivered to your home or, if available, picked up at a retail location. To find drug costs with the Elevate Plus plan, use this handy check your drug costs tool.

Prescription benefitIn-network
30-day retail generic$4
30-day retail preferred brand-name50% ($500 max)
30-day retail non-preferred brand-name100%
30-day specialty CVS exclusive generic and preferred brand-name50% ($500 max)
30-day specialty CVS exclusive non-preferred brand-name100%
GEHA Insurance Prescription Benefits
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