The GHI FEHB Program
As a federal employee or retiree, you can choose from one of two options we offer through the GHI FEHB program: GHI Standard Option plan and GHI High Option plan.
Standard Option Plan
This is our in-network plan, which means you can get care from our large network of quality doctors, including specialists, without a referral. Simply choose one of our network doctors and make an appointment.
In most cases, your only out-of-pocket cost will be a copay. For dependent children under age 26, copays are eliminated for all office visits, including but not limited to allergy, physical and speech therapy, specialist, laboratory and radiology services.
High Option Plan
With this plan, in addition to coverage for in-network care, you’re covered for out-of-network care. Please note that the cost-sharing requirements for this plan are different from the Standard Option, which means your out-of-pocket costs will be higher.
When you see an out-of-network doctor, you pay the doctor. You request the doctor’s office to fill out a claim form with the type of service you received, and then send the form to us. We’ll send you a check for the amount we cover.