Federal employees can choose from three great options!
Health insurance plan options
FCHP offers you three options: High Option, Standard Option, and High Deductible Health Plan (HDHP)
| High Option |
With High Option, you receive comprehensive benefits and services with low copayments. |
Standard Option
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With Standard Option, you pay lower premiums up-front, while certain services are subject to a deductible. |
High Deductible Health Plan (HDHP)
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With HDHP, you have higher calendar year deductibles and annual out-of-pocket maximum limits than with other types of FEHB plans. But when you enroll in this HDHP, you become eligible for either a health savings account (HSA) or a health reimbursement account (HRA), which will allow you to save for future medical expenses, including deductibles and copayments. |
Benefits and coverage
No matter which FCHP plan you choose, you’ll get:
- Routine physical exams – you won’t pay anything for your routine physical!
- Yearly eye exams
- Comprehensive dental benefits for the whole family
- Prescription coverage around the country
- Emergency care around the world
- Chiropractic services coverage
- Eyewear and hearing aid discounts
- Up to $400 reimbursement for fitness center memberships
- A variety of health education and healthy extras, such as smoking cessation and more!
Network
Our network continues to grow across the Commonwealth! We’ve recently expanded our Select Care service area to include providers in Franklin, Hampden and Hampshire counties. No matter which option you choose, you’ll have access to an expansive health care network with thousands of providers.
For more information