The GHI FEHB Program

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.

Enrollment: 1-800-624-2414, (TDD: 711), Monday to Friday, 8 a.m. to 6 p.m. (closed on weekends.)

Customer Service: call the number on the back of your member ID card, Monday to Friday, 8 a.m. to 6 p.m. (closed on weekends.)

Enrollment Codes and Rates 2020    

The Standard Option Plan serves New York City plus most New York counties, as well as Northern New Jersey.

These plans are only available to individuals who live or work in certain counties. Please see Federal RI 73-007 for the counties included in the service area.


Non-Postal Premium

Postal Premium




Type of Enrollment

Enrollment Code

Gov’t Share

Your Share

Gov’t Share

Your Share

Category 1 Your Share

Category 2 Your Share

All of New York and Northern New Jersey

Standard Option Self Only








Standard Option Self Plus One








Standard Option Self and Family









Non-Postal rates apply to most non-Postal employees. If you are in a special enrollment category, refer to the Guide to Federal Benefits for that category or contact the agency that maintains your health benefits enrollment.

Postal Category 1 rates
 apply to career employees covered by the National Postal Mail Handlers Union (NPMHU), National Association of Letter Carriers (NALC) and Postal Police bargaining units.

Postal Category 2 rates
 apply to other non-APWU, non-PCES, non-law enforcement Postal Service career employees, including management employees, and employees covered by the National Rural Letter Carrier’s Association bargaining unit.

Special Guides to Benefits are published for American Postal Workers Union (APWU) employees (see RI 20-2A) including Material Distribution Center, Operating Services and Information Technology/ Accounting Services employees and Nurses; Postal Service Inspectors and Office of Inspector General (OIG) law enforcement employees (RI 70-2IN); Postal Career Executive Service (PCES) employees (see RI 70- 2EX); and non-career employees (see RI 70-8PS).

Career APWU employees hired before May 23, 2011 will have the same rates as the Category 2 rates shown below. In the Guide to Benefits for APWU Employees (RI 70-2A) this will be referred to as the “Current” rate; otherwise, “New” rates apply.

For further assistance, Postal Service employees should call:

Human Resources, Shared Service Center, 1-877-477-3273, option 5 (TTY: 1-866-260-7507)

Postal rates do not apply to non-career postal employees, postal retirees, or associate members of any postal employee organization who are not career postal employees. Refer to the applicable Guide to Federal Benefits.    

GHI FEHB Program | EmblemHealth

Provider Network

With our robust network of quality doctors, you can get care from many of the region’s leading doctors, clinicians and facilities, including hospitals and urgent care centers.

You can find network doctors throughout the neighborhoods of all five boroughs of New York City, plus in Nassau, Suffolk, Westchester, Rockland and Orange counties.

With a GHI plan you have coverage at top-ranked area hospitals, including:

• Lenox Hill Hospital

• Memorial Sloan-Kettering Cancer Center

• Montefiore Medical Center

• North Shore-Long Island Jewish Health System

• NYU Hospital Center

• Staten Island University Hospital

• St. Barnabas Hospital Health Center

• And many more

Need to see a doctor?

To find a doctor in your plan’s network, click the Find a Doctor link below.

You can use a handy Map and Directions tool to locate a doctor’s office when you click on his or her name in our directory. Note that this tool is also available via smartphone!

Looking for Teladoc information?


In your secure member portal, myEmblemHealth, you have convenient access to your personal information, including benefits and valuable health management tools.

Stay on top of your benefits

When you sign in, you can:

  • Review your health benefits.
  • View your prescription history.
  • Look up covered drugs and locate a pharmacy.
  • Find claims information (such as claim or prior approval status, the amount paid toward your deductible and much more).
  • Order ID cards.
  • Download forms.
  • Update personal information, such as your email address.

Assess and track your health

With myEmblemHealth, you can take a more active role in your health by using a range of online self-management tools like the following:

  • Health Assessment (HA) — Get a customized picture of your health, and receive recommendations to improve unhealthy behavior that affects your quality of life and your health status. We also encourage your adult covered dependents to complete their own HA.
  • Personal Health Record (PHR) — Keep your health records well-organized right in one secure place. Copies of your PHR can be printed and shared with your doctors.
  • Treatment Cost Calculator – Estimate your share of costs for many common conditions and services, based on your particular benefits and coverage information.

Go green and get rid of clutter

Having all your health plan information online is a great way to get rid of clutter, stay organized and keep on top of your health at your convenience. By going paperless, you can conveniently access your personal message center to read plan communications, while helping to save trees!

Get the following items and more electronically:

  • Explanations of benefits (EOBs)
  • Notifications regarding when your claims are processed
  • Personalized information about your health
  • Your plan newsletter
  • Timely communications about your coverage and benefits

Enrollment and customer service

If you are a prospective member and have questions about enrollment, call 1-800-624-2414, Monday to Friday, 8 am to 6 pm (closed on weekends.) Use the Interactive Voice Response System after business hours. If you have a hearing or speech impairment and use a TDD, call 711.

If you are a current plan member, call the number on the back of your member ID card, Monday to Friday, 8 am to 6 pm (closed on weekends.)

Choosing GHI FEHB

If you’d like to join a GHI FEHB plan in which you’re not currently enrolled, simply fill out the enrollment form available from your agency’s Human Resources office. Make sure to include the GHI FEHB plan enrollment codes as shown on the Enrollment Codes and Rates section.

FEHB Drug Comparison Tool

Use our drug comparison tool to estimate your out-of-pocket prescription drug costs. Enter the medications you take and we'll show you your monthly out-of-pocket costs.

Click here to access it through ExpressScripts.   

Provider Coverage

With our robust network of quality doctors, you can get care from many of the region’s leading doctors, clinicians and facilities, including hospitals and urgent care centers.

A partner in wellness

The Right Care, Right in Your Neighborhood

AdvantageCare Physicians are the newest addition to the EmblemHealth family and are now one of the largest primary and specialty care practices in New York City. With 37 locations throughout New York City and Long Island, you can find a convenient location near home or work.