CareFirst BlueChoice, Standard Option: 2027 FEHB premiums and benefits
| Enrollment | Employee, biweekly | Employee, monthly | Annuitant, monthly | Change in your share vs 2026 | Employee, per year (26 periods) |
|---|---|---|---|---|---|
| Self Only code 2G4 | $278.22 gov $352.04 | $602.81 | $602.81 | +$30.02 biweekly | $7,234 |
| Self Plus One code 2G6 | $492.98 gov $767.53 | $1,068.13 | $1,068.13 | +$58.23 biweekly | $12,817 |
| Self and Family code 2G5 | $653.66 gov $843.82 | $1,416.26 | $1,416.26 | +$70.35 biweekly | $16,995 |
Traditional, HMO network. Offered in District of Columbia (statewide); Maryland (statewide); Virginia (4 counties). The county list is on the comparison page. The government share is the lesser of 72% of the program-wide average premium or 75% of this plan's premium (5 U.S.C. 8906).
Educational information only; StandWatch is not acting for OPM, and the brochure and your agency's benefits office are the final authority. Same code and assumptions as the comparison page: worst year is exact (premiums plus the in-network out-of-pocket maximum, minus an HSA deposit); the other three are estimates under stated usage profiles, each labeled copays only, has coinsurance, or not priced.
Deductibles and limits
| Self Only | Self Plus One | Self and Family | |
|---|---|---|---|
| Deductible | $0 out of network $0 | $0 out of network $0 | $0 out of network $0 |
| Out-of-pocket maximum | $7,500 out of network $11,000 | $15,000 out of network $22,000 | $15,000 out of network $22,000 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | $0 Copayment + difference between our allowance and the billed amount |
| Primary care visit | $25 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Specialist visit | $50 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Urgent care | $50 Copayment | $80 Copayment + difference between our allowance and the billed amount |
| Emergency room | $200 Copayment | $200 Copayment + difference between our allowance and the billed amount |
| Labs and X-rays | $40 Copayment | $40 Copayment + difference between our allowance and the billed amount |
| CT, MRI, PET | $75 Copayment | $75 Copayment + difference between our allowance and the billed amount |
| Hospital stay, per admission | 20% Coinsurance after $250/$500 facility deductible | 30% Coinsurance after $250/$500 facility deductible |
| Hospital room | 20% Coinsurance after $250/$500 facility deductible | 30% Coinsurance after $250/$500 facility deductible |
| Surgeon, inpatient | 20% Coinsurance | 30% Coinsurance + difference between our allowance and the billed amount |
| Outpatient surgery | $50 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Mental health, office | $25 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Mental health, inpatient | 20% Coinsurance | 30% Coinsurance |
| Physical therapy | $50 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Chiropractic | $50 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Acupuncture | $50 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Maternity care | $0 Copayment | $0 Copayment + difference between our allowance and the billed amount |
| Maternity hospital stay | 20% Coinsurance after $250/$500 deductible | 30% Coinsurance after $250/$500 deductible + difference between our allowance and the billed amount |
| Infertility diagnosis and treatment | $50 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| IVF and assisted reproduction | 20% Services are paid at regular Plan benefits. | 30% Services are paid at regular Plan benefits. |
| Hearing aids | Covered | Covered |
| Durable medical equipment | 25% Coinsurance | 50% Coinsurance + difference between our allowance and the billed amount |
| Home health | $50 Copayment | $100 Copayment + difference between our allowance and the billed amount |
| Adult dental exams | Not Covered | Not Covered |
| Children's dental exams | Not Covered | Not Covered |
| Routine eye exam | Covered $10 copay | Not Covered |
| Eyeglasses | Not Covered | Not Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | $10 Copayment | $0 Copayment |
| Tier 2 | $75 Copayment | $0 Copayment |
| Tier 3 | $100 Copayment | $0 Copayment |
| Tier 4 | $125 Copayment | $0 Copayment |
| Mail order | Yes | Yes |
| Prescription out-of-pocket maximum, Self | $7,500 | Not listed |
| Prescription out-of-pocket maximum, family | $15,000 | Not listed |
| WITH MEDICARE | ||
OPM's summary of the plan's cost sharing. The small print under a figure is OPM's own wording and usually carries the real terms: per-day charges, caps, and whether the deductible applies. The brochure is the official statement of benefits.
Official pages
CareFirst BlueChoice plan site · Summary of Benefits and Coverage · OPM plan comparison and brochure RI 73-718 · 888-789-9065
Before you enroll
Not the official statement of benefits. This plan's brochure is the only contractual statement of what it covers, excludes, and limits. Where this page and the brochure disagree, the brochure governs. Read it before you enroll.
Estimates, under published assumptions. Premiums, deductibles, and out-of-pocket maximums are OPM's figures. The year-cost figures are estimates under the usage profiles and assumed charges published on the comparison page, labeled exact, copays only, has coinsurance, or not priced. They are not predictions of what you will spend.
What the model leaves out. Out-of-network care and balance billing, whether your own doctors take this plan, whether your medications are on its formulary and at which tier, referral and prior-authorization rules, mail-order and specialty pharmacy pricing, FEDVIP dental and vision, and Medicare coordination at 65 beyond the rows shown. Postal Service employees and annuitants are in a separate program and are not covered.
No affiliation. StandWatch is not affiliated with, endorsed by, or acting for the Office of Personnel Management or any federal agency. The plan data is OPM's; the arrangement is ours. StandWatch is not a health plan, a broker, or an insurer, and nothing here is a recommendation to select, keep, or drop any plan, or medical, insurance, financial, tax, or legal advice. The full educational-purpose statement.
Source: OPM FEHB Public Use Files, plan year 2027 (rates, plan key, plan benefits, service area), and the OPM premium charts for the change from 2026.
