GEHA 2023 benefit plans - GEHA offers five unique health plans and two dental plans tailored to the unique needs of federal employees. (2024)

GEHA 2023benefit plansGEHA offers five unique health plansand two dental plans tailored to theunique needs of federal employees.

Lowest vs highest $20,800FEHB plan cost1 highest FEHB plan cost• 271 plans in FEHB; includes regional and nationwide plans• 19 to 40 plans to choose from $18,000 depending on where you live difference• Important to shop for the best plan options and price $2,800 lowest FEHB plan1. 2023 premiums for Self and Family plans with 1,000+ subscribers cost

We are the Government EmployeesHealth Association● 85+ years, started by Railway Mail Carriers● Exclusively Federal / Postal / Annuitants / Military retirees● 2+ million members worldwide● One of the largest carriers in the FEHB and FEDVIP● Extensive nationwide network of doctors, dentists, hospitals and other providers● Nonprofit association; focused on federal employees

Today’s presenter Susan Duffy Sales Manager | DC, MD, VA Get in touch at geha.com

Key takeaways 1 Shopping makes good sense and good CENTS 2 GEHA is not one-size-fits-all; benefit plans for all stages of your life 3 Connect with us via chat, text, call or by virtual appointmentThis is a brief description of the features of Government Employees Health Association, Inc.'s medical plans. Before making a final decision, please read theGEHA Federal brochures, which are available at geha.com/PlanBrochure. All benefits are subject to the definitions, limitations and exclusions set forth in theFederal brochures.

Shopping makesgood “cents”Shopping for your health plan,like other large expenses,makes good sense.

Time spent shopping 15 minutes Shopping for a medical plan 1 hour or less Researching a doctor 10+ hours Purchasing a carSources: usatoday.com/story/money/personalfinance/2014/09/04/health-insurance-plans-costs/15032405/

Where to begin Consider individual or Which will fit your What are the most family medical needs. family budget? important factors for you and your family? • Surgeries • Higher deductible • Specific doctors • Regular medications • Lower monthly • Prescription costs • Pregnancies premiums • Wellness programs • Long-term savings • Availability of tools in an HSA? like virtual careSlide 8

Connect with GEHA, we’re here to helpMonday – Friday, 7 a.m. – 7 p.m. Central time Call us at Schedule a 1-on-1 meeting 800.262.4342 Chat online Text from your phone Get in touch. Visit geha.com

GEHA 2023medical plansChoose from five medical plans that aredesigned to meet you where you are in life.

GEHA medicalplans offer• Extensive nationwide network• No referrals• $0 copay, unlimited telehealth visits with MDLIVE, including mental health*• $0 copay, in-network preventive care• Worldwide coverage• Generous wellness rewards*If deductible is met, high deductible health plan (HDHP) members will be charged by MDLIVE butGEHA will then reimburse the member 100% of the billed charge.

Plans that meet you where you are in lifeElevate HDHP Standard Elevate Plus HighGEHA’s lowest HSA-compatible, Comprehensive and In-network only, Lower medical andpremium and tax advantages, affordable lower deductible. prescription costs.lowest doctor visit low out-pocket- coverage, low Copay for $1,000 Medicarecopays. Generous costs after doctor visit copays preferred brand Part Bwellness rewards. deductible. and 100% maternity. name medication. reimbursem*nt.

Included benefits and savings withno additional premium $5 or less, annual eye exam Other savings on: discounts on lens and frames • Electric toothbrushes • Teeth whitening • Hearing aids $25/month gives you access to over 11,600 fitness centers nationwide • Medical alert systemsLearn more at geha.com/SavingsGEHA supplemental benefits are neither offered nor guaranteed under contract with the FEHB, but are made available to all enrollees and familymembers who become members of a GEHA medical plan.

Elevate Why pay for benefits you may never use? • GEHA’s lowest premium plan • Low copays for convenient and immediate care • Solid protection for the unexpected • 900,000 physicians and health care professionals • 5,600+ hospitals • Generous wellness rewards help reduce your out-of-pocket expenses • BONUS: annual plan perk valued at $125Plan use

Elevate Our lowest premium, low copays, generous rewards Elevate 2023 benefits You pay MDLIVE telehealth visits, including mental health $0 Primary office visit & mental health visits Chiropractic (12 visits), acupuncture (20 visits) $10 MinuteClinic® Elevate premium & What you Specialist office visit, unlimited $30 enrollment code pay biweekly 254 Self Only $50.69 Urgent care $50 256 Self Plus One $118.83 Other care, emergency and hospitalization, after 25% annual deductible of $500 Self / $1,000 Self + 255 Self and Family $144.67 Prescriptions Generic, 30-day retail supply $4 Preferred brand-name, 30-day retail supply 50% ($500 max) Mail order pharmacy 100% (no benefit) Non-preferred brand medication Wellness rewards, yearly Earn up to Self / Self + $500 / $1,000These rates do not apply to all enrollees. If you are in a special enrollment This is a brief description of the features of Gov ernment Employees Health Association, Inc.'s medicalcategory, please refer to the FEHB program website or contact the agency or Tribal plans. Before making a final decision, please read the GEHA Federal brochures w hich are av ailable atEmployer that maintains your health benefit enrollment. geha.com/PlanBrochure. All benefits are subj ect to the definitions, limitations and exclusions set forth in the Federal brochures.

Wellness Pays Rewardable activity Wellness Pays plan rewardrewards Achieve your Stride step goal $10 per month Use of the medical cost estimate tool $10 per month, $30 maxElevate plans Rally Missions Wellness quizzes $50 Flu shotEarn up to $500 Self or MDLIVE telehealth or mental health visit$1,000 Family annually Rally health survey $75Roll over unused funds up to Annual physical$2,500 Self or $5,000 Family Breast cancer screening (mammogram) Cervical cancer screening (Pap) Colorectal cancer screening $100Learn more at (colonoscopy)geha.com/WellnessPays Digital wellness coaching First trimester prenatal appointment Complete Real Appeal or Quit for Life $200

Use Wellness Pays fundslike an FSA CopaysUnused funds roll overFunds roll over up to$2,500/person or Eyeglasses$5,000 for two peopleLearn more atgeha.com/WellnessPays Orthodontia

GEHA's digital platform powered by Rally® Healthputs digital tools at your fingertips

Exclusive plan perk for ElevateElevate plan subscribers are eligible annually to choose one plan perkfrom the following options: Fitbit wearable device including monthly Fitbit Premium Membership $125 gift card for REI or DICK’s Sporting Goods Daily Burn virtual fitness subscriptionClaim your plan perk after January 1, 2023. Just sign up for a geha.com account (or log into your existing account) and update yourcontact preferences.These benefits are neither offered nor guaranteed under contract with the FEHB Program but are made available to all Enrollees who becomemembers of a GEHA medical plan and their eligible family members.

Elevate recap • GEHA’s lowest premium • Low copays for doctor visits & alternative care • Earn up to $500 or $1,000 in rewards • BONUS $125 plan perk • Learn more at geha.com/Elevate 2023 Elevate premiums Premium & enrollment code Biweekly Monthly 254 Self Only $50.69 $109.83 256 Self Plus One $118.83 $257.47Get in touch.Visit geha.com 255 Self and Family $144.67 $313.46 These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB program website or contact the agency or Tribal Employer that maintains your health benefit enrollment.

HDHP Comprehensive medical coverage + GEHA funded health savings account (HSA) • An HSA is triple-tax advantaged 1) Tax-free contributions from GEHA and you 2) Tax-free interest or investment gains 3) Tax-free withdrawals for qualified expenses • No use-it-or-lose it; save for future expenses • $47 million, GEHA contributions to member-owned HSAs in 2022 • $250 million, the combined amount GEHA HDHP members have in their HSA’sPlan use • Visit irs.gov/Pub969 for HSA eligibility

HDHP The #1 HDHP choice for federal employees Self Only example In-network Deductible, you pay $1,500 GEHA contributes $75/month into HSA $900 annually Net-deductible after GEHA contribution, you pay $600 HDHP 2023 premium & What you Out-of-pocket annual maximum, you pay $5,000 enrollment code pay biweekly (includes annual deductible) 341 Self Only $69.37 HDHP 2023 benefits You pay 343 Self Plus One $149.15 Medical care, after deductible 5% (not a typo!) 342 Self and Family $183.28 Generics & preferred brand-name, after deductible 25% Preventive care, no deductible $0 Preventive dental, no deductible $0, twice yearly Vision coverage, geha.com/HDHPvision Included Wellness rewards, can be used for additional Earn up to dental and vision expenses, Self/Self+ $250/$500 yearlyThese rates do not apply to all enrollees. If you are in a special enrollment This is a brief description of the features of Gov ernment Employees Health Association, Inc.'s medicalcategory, please refer to the FEHB program website or contact the agency or plans. Before making a final decision, please read the GEHA Federal brochures w hich are av ailable atTribal Employer that maintains your health benefit enrollment. geha.com/PlanBrochure. All benefits are subj ect to the definitions, limitations and exclusions set forth in the Federal brochures.

Boost your retirement savingswith an HSA• Investment options1, tax-free savings• +$1,000 catch-up contributions, at age 55+• Use funds for anything at age 65, no penalties2• Use for Medicare Part B premiums, tax-free• Continue to use funds tax-free for qualifying expenses1Investment returns not guaranteed. Investment products are not FDIC insured, are not a deposit or other obligation or guaranteed by HSA Bank andare subject to investment risks. The information provided is for informational purposes only. It should not be considered legal or financial advice.Consult with a professional to determine what may be best for your individual needs.2 See IRS Publications 502 and 969 for more information regarding qualified medical expenses and health savings accounts.

HDHP: HSA funds can be invested If you don’t use your GEHA HSA contribution for qualified medical expenses, you can invest the funds in stocks, bonds and mutual funds, with the added benefit of tax-free growth.1 $52,300 $224,00025 years $22,200 $95,00015 years $5,400 $23,0005 years $3,850 $9001 year $900 saved per year $3,850 saved per year (2023 IRS limit) You save and invest all your You save all your $900 GEHA contribution $900 GEHA contribution. and invest an additional $2,950 of your own money each year.1Growth projections based on 6% annual rate of return with a 24% federal tax bracket, for example only. No guarantee on returns. Visit HSA Bank’s SavingsCalculator at hsabank.com/hsabank/learning-center/hsa-savings-calculator

You qualify for an HSA if you:• Are covered under a qualifying HDHP like GEHA’s HDHP• Have no other group health coverage• Are not enrolled in Medicare A or B or TRICARE• Have not received non-service-related care from the VA in the last 3 months; have not received care from IHS in last 3 months• Are not covered by an FSA or an HRA, including on your spouse’s plan, unless it’s a limited expense FSA for dental and vision only• Cannot be claimed as a dependent on someone else’s tax return• Visit irs.gov/Pub969 for complete details on eligibility

HDHP recap • Comprehensive medical coverage • HSA-qualified, triple tax-advantages • 100% preventive dental, also includes vision coverage • Learn more at geha.com/HDHP and geha.com/HSA HDHP 2023 premiums Premium & enrollment code Biweekly Monthly 341 Self Only $69.37 $150.30Get in touch. Visit 343 Self Plus One $149.15 $323.15geha.com 342 Self and Family $183.28 $397.11 These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB program website or contact the agency or Tribal Employer that maintains your health benefit enrollment.

Standard GEHA’s most popular medical plan • Comprehensive and affordable coverage • Low doctor visit and urgent care copays • 100% maternity coverage, includes inpatient • Generous wellness rewardsHow often you use your plan

Standard Traditional coverage and affordable premiums Standard 2023 benefits You pay MDLIVE tele-health visits, includes mental health Routine maternity care, includes inpatient $0 QuestSelectTM Lab Benefit (formerly Lab Card®) Primary office visit $20 Mental health office visit Urgent care Standard premium & What you Specialist office visit $35 enrollment code pay biweekly Chiropractic (20 visits) 314 Self Only $68.77 Other care, emergency and hospitalization, after 316 Self Plus One $147.87 15% annual deductible of $350 Self / $700 Self+ 315 Self and Family $180.92 Generic, 30-day retail supply / 90-day mail order $10 / $20 Preferred brand-name, 30-day retail supply 50% ($200 max) Preferred brand-name, 90-day mail order 50% ($500 max) Wellness rewards, yearly Earn up to Self / Self+ $250 / $500These rates do not apply to all enrollees. If you are in a special enrollment This is a brief description of the features of Gov ernment Employees Health Association, Inc.'s medicalcategory, please refer to the FEHB program website or contact the agency or Tribal plans. Before making a final decision, please read the GEHA Federal brochures w hich are av ailable atEmployer that maintains your health benefit enrollment. geha.com/PlanBrochure. All benefits are subj ect to the definitions, limitations and exclusions set forth in the Federal brochures.

Health Learn more at geha.com/HealthRewards Rewards Rewardable activity Rewardable amount HDHP1, Standard Online wellness workshops $10 per workshop and High plans Flu shot $25 Cervical cancer screening (Pap) Colorectal cancerEarn up to $250 per individual or$500 annually per household. screening (colonoscopy) Breast cancer $50Roll over unused funds up to $1,250 screening (mammogram)Self or $2,500 Family. First trimester prenatal appointment MDLIVE telehealth or mental health visit Health risk assessment $75 Participation in a targeted health1. HDHP members enrolled in an HSA may $50‒$250only use funds for qualified dental and vision program (by invitation)expenses until the yearly plan deductible hasbeen satisfied.

Standard recap • Comprehensive coverage and affordable premiums for all life stages • 100% maternity coverage • Learn more at geha.com/Standard Standard premiums 2023 Premium & enrollment code Biweekly Monthly 314 Self Only $68.77 $149.01Get in touch. Visit 316 Self Plus One $147.87 $320.39geha.com 315 Self and Family $180.92 $392.00 These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB program website or contact the agency or Tribal Employer that maintains your health benefit enrollment.

Elevate Plus GEHA’s lowest annual deductible, in-network only plan • $150/$300 Self Only/Self+ annual deductible • 15% coinsurance for some services • Copay for preferred brand medications • Generous wellness rewardsHow often you use your plan

Elevate Plus Low deductible, in-network only plan Elevate Plus 2023 benefits You pay MDLIVE tele-health visits, includes mental health $0 Lab services Primary office visit Mental health office visit $30 Chiropractic (15 visits), acupuncture (20 visits) Specialist office visit $45 Urgent care $50 Other care, emergency and hospitalization, after 15% annual deductible of $150 Self / $300 Self+ Elevate Plus premium What you Generic, 30-day retail supply / 90-day mail order $10 / $20 and enrollment code pay biweekly Preferred brand-name, 30-day retail supply $80 251 Self Only $85.77 Preferred brand-name, 90-day mail order $200 253 Self Plus One $187.64 Wellness rewards, annually Self / Self+ Earn up to $500/$1,000 252 Self and Family $209.83These rates do not apply to all enrollees. If you are in a special enrollmentcategory, please refer to the FEHB program website or contact the agency or This is a brief description of the features of Gov ernment Employees Health Association, Inc.'s medical plans. BeforeTribal Employer that maintains your health benefit enrollment. making a final decision, please read the GEHA Federal brochures w hich are av ailable at geha.com/PlanBrochure. All benefits are subj ect to the definitions, limitations and exclusions set forth in the Federal brochures.

Elevate Plus recap • Low deductible + 15% coinsurance on some medical services • In-network only • Generous rewards Elevate Plus premiums 2023 Premium & enrollment code Biweekly Monthly 251 Self Only $85.77 $185.84Get in touch.Visit geha.com 253 Self Plus One $187.64 $406.55 252 Self and Family $209.83 $454.64 These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB program website or contact the agency or Tribal Employer that maintains your health benefit enrollment.

High Traditional coverage with lower out-of-pocket costs • Your cost is lower for brand-name and specialty medications • You pay only 10% coinsurance for things like ER and outpatient treatments • Low specialist doctor copays • Generous wellness rewardsHow often you use your plan

High Comprehensive brand-name Rx coverage, lower cost-sharing High 2023 benefits You pay MDLIVE tele-health visits, includes mental health Outpatient accidental injury treatment $0 Maternity coverage, including in-patient Lab services Primary office visit and mental health office visit Specialist office visit $20 Chiropractic (20 visits) High premium and What you enrollment code pay biweekly Urgent care $35 311 Self Only $105.74 Other care, emergency and outpatient, after 10% annual deductible of $350 Self / $700 Self+ 313 Self Plus One $243.49 Hospital care; inpatient $100/admission + 10% 312 Self and Family $304.39 Generic, 30-day retail supply / 90-day mail order $10 / $20 Preferred brand-name, 30-day retail supply 25% ($150 max) Preferred brand-name, 90-day mail order 25% ($350 max) Wellness rewards, annually Earn up to Self / Self+ $250 / $500These rates do not apply to all enrollees. If you are in a special enrollment This is a brief description of the features of Gov ernment Employees Health Association, Inc.'s medicalcategory, please refer to the FEHB program website or contact the agency or Tribal plans. Before making a final decision, please read the GEHA Federal brochures w hich are av ailable atEmployer that maintains your health benefit enrollment. geha.com/PlanBrochure. All benefits are subj ect to the definitions, limitations and exclusions set forth in the Federal brochures.

High + Medicare A & Bgeha.com/Medicare• NEW $1,000/person Medicare Part B premium reimbursem*nt, visit geha.com/MRA• You pay $0 for deductibles, copays and coinsurance whether your provider is in-network or out-of-network• Even lower costs for preferred and non-preferred brand-name prescriptions

High recap • Lower out-of-pocket costs overall • $1,000 Medicare Part B reimbursem*nt • To learn more visit geha.com/High High premiums 2023 Premium & enrollment code Biweekly Monthly 311 Self Only $105.74 $229.10Get in touch.Visit geha.com 313 Self Plus One $243.49 $527.56 312 Self and Family $304.39 $659.52 These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB program website or contact the agency or Tribal Employer that maintains your health benefit enrollment.

GEHA works with Medicare A & B geha.com/Medicare Elevate + HDHP + Standard + Elevate Plus + High + Plan service Medicare Medicare Medicare Medicare Medicare $1,000 Medicare Part B reimbursem*nt No No No No Yes 100% medical coverage (copays, coinsurance & deductibles waived) with No No Yes Yes Yes Medicare A & B primary Hearing aid benefit No No Yes Yes Yes Non-preferred drug coverage1 No Yes Yes Yes Yes Mail service pharmacy No Yes Yes Yes Yes Coverage in- and out-of-network2 Yes Yes Yes Yes Yes Coverage outside of the United States Yes Yes Yes Yes Yes1. With High plan, when Medicare A & B is primary, you pay a lower coinsurance for preferred and non-preferred brand medications.2. Though the Elevate Plus plan on its own does not provide out-of-network medical coverage, when it is combined with Medicare and the provider accepts Medicare, out-of-network cost shares are waived. There are no out-of-network pharmacy benefits for Elevate and Elevate Plus.This is a brief description of the features of Gov ernment Employees Health Association, Inc.'s medical plans. Before making a final decision, please read the federal brochures. All benefits aresubj ect to the definitions, limitations and exclusions set forth in the Federal brochures.

Hearing aid benefitsand discounts for GEHA plans Elevate Plan service Elevate HDHP Standard Plus High Hearing aid benefit (plan pays) $0 $0 $2,500 $1,500 $2,500 Hearing aid discounts1 Yes Yes Yes Yes YesGet discounts through TruHearing on hearing aids.Save up to 30% to 60% off hearing aids.Some average more than $2,600 in savings per pair.Learn more at geha.com/Hearing1These benefits are neither offered nor guaranteed under contract with the FEHB program, but are made available to all enrollees who become members ofGEHA and their eligible family members.

Self OnlyCompare premium and enrollment code Biweekly – employed Monthly - retired2023 254 Elevate $50.69 $109.83 341 HDHP $69.37 $150.30premiums for 314 Standard $68.77 $149.01 351 Elevate Plus $85.77 $185.84all plans 311 High $105.74 $229.10 Self Plus One premium and enrollment code Biweekly – employed Monthly - retiredgeha.com/Rates 254 Elevate $118.83 $257.47 341 HDHP $149.15 $323.15 314 Standard $147.87 $320.39 351 Elevate Plus $187.64 $406.55 311 High $243.49 $527.56 Self and Family premium and enrollment code Biweekly – employed Monthly - retired 254 Elevate $144.67 $313.46 341 HDHP $183.28 $397.11 314 Standard $180.92 $392.00 351 Elevate Plus $209.83 $454.64 311 High $304.39 $659.52 These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the FEHB program website or contact the agency or Tribal Employer that maintains your health benefit enrollment.

Shopping for yourplan makesperfect CENTS• Shop at any stage of life, even retirement• A little time can save you hundreds or more• Five unique medical plans, as unique as youGEHA has a plan for you, rightnow, at this stage in your life

GEHA’s online resourcesFind in-network providersgeha.com/Find-CareCompare medical plansgeha.com/Plan-ComparePlan recommender toolgeha.com/Select-A-PlanResearch drug costs for all GEHA plansinfo.caremark.com/gehaWatch on-demand benefits webinarsgeha.com/BenefitsWebinars

Connect with GEHA, we’re here to helpMonday – Friday, 7 a.m. – 7 p.m. Central time Call us at Schedule a 1-on-1 meeting 800.262.4342 Chat online Text from your phone Get in touch. Visit geha.com

GEHA 2023dental plansThe #1 dental plan choicefor federal employees.

GEHA Standardand High dentalgeha.com/Dental• No waiting periods• No in-network deductibles• 400,000+ in-network provider locations nationwide geha.com/Find-Care• Worldwide coverage• Child and adult orthodontia• No premium increases in 2023!This is a brief description of services covered under the GEHA Connection Dental Federal plan. For a complete list of plan limitations andexclusions, please refer to the GEHA Connection Dental Federal Plan Brochure available online at geha.com/PlanBrochureDental

Included benefits and savingswith no additional premium $5 annual eye exam through EyeMed®, discounts on eyewear geha.com/Vision Other savings on: • Electric toothbrushes • Teeth whitening • Hearing aids • Medical alert systems Learn more at geha.com/SavingsThese benefits are neither offered nor guaranteed under contract with the FEDVIP program, but are made available to all enrollees who become members of GEHA and their eligiblefamily members.

Emergency dentist virtual visitTeledentistry.com/GEHA• 24/7 virtual dental care when your dentist is not available• One limited oral evaluation, problem focused (D0140) will be allowed per patient in a 12 consecutive month period• Use a GEHA virtual dental visit when you: • Are having a dental emergency and do not have a dentist • Need access to a dentist after hours • Need to consult a dentist without leaving home or while travelingThis is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure available atgeha.com/PlanBrochureDental. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Get plan details at Standard dental geha.com/StandardDentalAbout this plan: Who should consider Standard dental?• GEHA’s lowest premium dental plan • People concerned with their overall health and wellness• Provides no-cost in-network preventive dental coverage • People looking for the peace of mind that comes with additional dental• $2,500 orthodontia coverage for coverage beyond what’s included in both children and adults, with no their medical plan waiting period• Includes an in-network annual How often you use your plan maximum of $2,500 per person

GEHA 2023 Standard dental planOut-of-network deductible, $25 Self Only, $50 Self Plus One and $75 Standard Self and Family.In-network deductible is $0. geha.com/StandardDental Standard Standard In-network Out-of-network1 Benefit description you pay you pay Basic - Class A. Two exams, two cleanings and one set Nothing 25% of bitewing X-ray per calendar year Basic - Class A. Only available through Teledentistry.com - One oral evaluation per patient per Nothing No benefit 12-consecutive-month period Intermediate - Class B. Fillings/restorations, extractions 45% 50% and periodontal maintenance Major - Class C. Root canals, crowns, bridges, dentures, 65% 70% periodontal surgery2 Orthodontics - Class D. Adults and children 50% 50% No waiting period $2,500 lifetime max $1,500 lifetime max Calendar year maximum $2,500 per person $2,000 per person Class A, B and C services only1 Out-of-network: You pay any difference between the allowance and the billed amount.2 Implants limited to $2,500/person/yr. in-network or out-of-network on High dental plan.This is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure available at geha.com/PlanBrochureDentalAll benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

High dental Get plan details at geha.com/HighDentalAbout this plan: Who should consider High dental?• Includes three dental cleanings per • Expecting intermediate to major dental year care in the coming year• $3,500 orthodontia lifetime • Adults and children who want a lower maximum with no waiting periods out-of-pocket cost for orthodontia• Unlimited annual maximum benefit • Have a medical condition that can affect dental health per person • Looking for peace of mind that comes• Provides GEHA’s greatest coverage with comprehensive coverage for intermediate and major dental care services How often you use your plan

GEHA 2023 High dental planNo deductibles, in-network or out-of-network geha.com/HighDental High High In-network Out-of-network1 Benefit description you pay you pay Basic - Class A. Two exams, three cleanings and one set of bitewing X-ray per calendar year Nothing Nothing Covers a third cleaning Basic - Class A. Only available through Teledentistry.com - One oral evaluation per patient per Nothing No benefit 12-consecutive-month period Intermediate - Class B. Fillings/restorations, extractions 20% 20% and periodontal maintenance Major - Class C. Root canals, crowns, bridges, dentures, 50% 50% periodontal surgery2 Orthodontics - Class D. Adults and children 30% 30% No waiting period $3,500 lifetime max $3,500 lifetime max Calendar year maximum Unlimited per person Unlimited per person Class A, B and C services only1 Out-of-network: You pay any difference between the allowance and the billed amount.2 Implants limited to $2,500/person/yr. in-network or out-of-network on High dental plan.This is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure available at geha.com/PlanBrochureDentalAll benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Compare GEHA 2023 dental plansClass B and C services out-of-network deductible is $0 for High, $25 Standard Self Only, $50 geha.com/DentalCompareStandard Self Plus One and $75 Standard Self and Family. High In-network or Standard Standard out-of-network1 In-network Out-of-network1Benefit description you pay you pay you pay Basic - Class A. Two exams, two cleanings Nothing Nothing 25% and one set of bitewing X-ray per calendar year Basic - Class A. Covers a third cleaning Nothing No benefit No benefit Basic - Class A. Only available through Teledentistry.com - One oral evaluation per Nothing Nothing No benefit patient per 12-consecutive-month period Intermediate - Class B. Fillings/restorations, 20% 45% 50% extractions and periodontal maintenance Major - Class C. Root canals, crowns, bridges, 50% 65% 70% dentures, periodontal surgery2 Orthodontics - Class D. Adults and children 30% 50% 50% No waiting period $3,500 lifetime max $2,500 lifetime max $1,500 lifetime max Calendar year maximum Unlimited per person $2,500 per person $2,000 per person Class A, B and C services only1 Out-of-network: You pay any difference between the allowance and the billed amount.2 Implants limited to $2,500/person/yr. in- or out-of-network on High. Standard, implants limited to $2,500/person/yr. in-network or $2,000/person/yr. out-of-network.This is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure available at geha.com/PlanBrochureDentalAll benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Find your premium. Step 1: Use your ZIP code to find rate codeZip code based on subscriber’s primary state of residence. Find state, then first three digits of ZIP code to determine rate code. geha.com/DentalRatesd your state and the first three digits of your ZIP code in the chart below to determine your rate State First 3 digits of ZIP code Rate State First 3 digits of ZIP code Rate State First 3 digits of ZIP code Rate code code code AL, AR, GU, IA, Entire state or territory 1 IN 460-462, 470, 472, 473 2 NY 127, 129-139, 144-149 1 MS, ND, NE, IN 463, 464 3 NY Rest of state 2 PR, VI IN Rest of state 1 OH 430-433, 437, 440-443, 446, 447, 2 ID, LA, MO, MT, Entire state 2 450-455, 459 NC, OK, SC, SD, KS 660-662, 666 2 TN, UT, VT OH Rest of state 1 KS Rest of state 1 DE, HI, NM, OR Entire state or territory 3 PA 172-174 4 KY 410 2 PA 180, 181, 183 5 CO, DC, NH, RI Entire state 4 KY Rest of state 1 PA 189-196 3 AK Entire state 5 MA 012 2 PA Rest of state 1 AZ 850-853, 864 3 MA Rest of state 4 TX 755-759, 763-769, 776-779, 783- 1 785, 788-799, 885 AZ Rest of state 2 MD 205-212, 214, 216, 217 4 TX 733, 786-787 3 MD 219 3 CA 900-931, 933-935, 939-952, 954, 5 TX Rest of state 2 956-959 MD Rest of the state 2 VA 201, 203, 205, 220-227 4 CA Rest of state 4 ME 039-042 4 VA Rest of state 2 CT 064-069 5 ME Rest of state 3 WA 980-985 5 CT Rest of state 4 MI 480-485 3 WA 986 3 MI Rest of state 2 FL 329-334, 349 3 WA Rest of state 4 MN 550-555, 563 3 WI 540 3 FL Rest of state 2 MN Rest of state 2 WI Rest of state 2 GA 300-303, 305, 306, 311, 399 3 NJ 080-084 3 WV 254 4 GA Rest of state 2 NJ Rest of state 5 WV Rest of state 1 IL 600-609, 613 3 NV 897 5 WY 834 2 IL 620, 622 2 NV Rest of state 3 WY Rest of state 1 IL Rest of state 1 NY 005, 100-119, 124-126 5 INTL All International 5 NY 063 4

High premiumStep 2: Use your Rate code 1 Rate code 2 Rate code 3 Rate code 4 Rate code 5 Biweeklyrate code to find Self Only $17.25 $19.40 $21.21 $23.70 $25.69your 2023 premium Self Plus One $34.50 $38.79 $42.42 $47.40 $51.39 Self and Family $51.76 $58.19 $63.63 $71.10 $77.08Rate based on subscriber’s primarystate of residence. Standard premium Rate code 1 Rate code 2 Rate code 3 Rate code 4 Rate code 5 Biweeklygeha.com/DentalRates Self Only $9.53 $10.69 $11.71 $13.07 $14.15 Self Plus One $19.07 $21.37 $23.37 $26.10 $28.30 Self and Family $28.59 $32.06 $35.06 $39.16 $42.44 High premium Rate code 1 Rate code 2 Rate code 3 Rate code 4 Rate code 5 Monthly Self Only $37.38 $42.03 $45.96 $51.35 $55.66 Self Plus One $74.75 $84.05 $91.91 $102.70 $111.35 Self and Family $112.15 $126.08 $137.87 $154.05 $167.01 Standard premium Rate code 1 Rate code 2 Rate code 3 Rate code 4 Rate code 5 Monthly Self Only $20.65 $23.16 $25.37 $28.32 $30.66 Self Plus One $41.32 $46.30 $50.64 $56.55 $61.32 Self and Family $61.95 $69.46 $75.96 $84.85 $91.95

Enroll in a GEHA federal dental plan• To enroll, visit benefeds.com or call BENEFEDS at 877.888.3337• Coverage begins on January 1• Already enrolled in a GEHA dental plan? Your enrollment will automatically renew• If you want to change GEHA dental plan options, visit benefeds.com or call BENEFEDS at 877.888.3337

Enrollment eligibility forretired service members• Most retirees are eligible for dental coverage• Premiums are paid post-tax• Initial enrollment allowed within 31 days prior to and up to 60 days after military retirement• If you miss the initial enrollment window, you will have to wait until Federal Open Season to enroll; coverage would then begin January 1• No dual FEDVIP enrollment allowed. Cannot be enrolled in FEDVIP as a federal employee and retired service member Check eligibility and enroll at benefeds.com or call BENEFEDS at 877.888.3337

Eligibility for retired service members’spouses and eligible dependents• Spouses and eligible dependents may enroll without the sponsor having to enroll if one of three criteria apply: • The sponsor is receiving Veterans Affairs (VA) dental services • The sponsor has dental insurance through their employer that doesn't cover family members • The sponsor is unable to receive dental services due to a medical or dental condition Dependents of retired service members are eligible until age 21; full-time students are eligible until age 23.

Orthodontic treatmentfor children and adults• Orthodontic services for dependents previously started under the TRICARE Dental Program (TDP) will be covered for ongoing orthodontic care under GEHA’s Standard and High dental plans.• GEHA High and Standard dental both offer adult and child orthodontia with no waiting periods. This is a brief description of services covered under the GEHA Connection Dental Federal plan. For a complete list of plan limitations and exclusions, please refer to the GEHA Connection Dental Federal Plan Brochure available online at geha.com/PlanBrochureDental.

GEHA dental resourcesCompare plans Find a providerEasily compare GEHA’s High and Find a dentist or see if yoursStandard dental plans. is in-network.geha.com/CompareDental geha.com/Find-CareCheck rates for 2023 Estimate costsgeha.com/DentalRates See if a dental service is covered and estimate how much you will pay for those services. geha.com/DentalPricingThe information contained herein is for informational and educational purposes only. This information is not a substitute for professional medical adviceand if you have questions regarding a medical condition, regimen or treatment you should always seek the advice of a qualified health care provider.Never disregard or delay seeking medical advice from a qualified medical professional because of information you have read herein.

Connection Dental PlusStand alone dental coverage for dependents age 22+• Covers 100% for in-network preventive care services• Covers 80% for in-network restorations, extractions and periodontal maintenance• Covers 50% for in-network root canals, crowns, bridges and gum surgery• Year-round enrollment with eligibility until age 26• Dependents of GEHA members pay lower premiums than non-GEHA members• 398,500+ in-network locations• Questions? Call 800.793.9335 or visit geha.com/CDPlusThis is a brief description of services covered under the GEHA Connection Dental Plus plan. For a complete list of plan limitations and exclusions, please refer to the GEHA ConnectionDental Plus Plan Brochure, available at geha.com/CDPlusNote: Connection Dental Plus is not offered by the Office of Personnel Management (OPM) and is not part of the Federal Employees Health BenefitsProgram (FEHBP). For information on our OPM-approved Federal Employees Dental and Vision Insurance Program (FEDVIP) dental plan, go toGEHA Connection Dental Federal® or call 877.GEHA.DEN (877.434.2336).

Connection Dental DiscountStand alone dental discount plan for dependents age 22+• Save 20%-60% on routine, major and specialty dental treatment• Published fee schedules that offer cost transparency, so there won’t be any surprises• Year-round enrollment with eligibility until age 26• Included vision discounts at VSP providers• Questions? Call 800.797.7222 or visit gehadentaldiscount.comNote: Connection Dental Discount is not offered by the Office of Personnel Management (OPM) and is not part of the Federal Employees Health BenefitsProgram (FEHBP). For information on our OPM-approved Federal Employees Dental and Vision Insurance Program (FEDVIP) dental plan, go to GEHAConnection Dental Federal ® or call 877.GEHA.DEN (877.434.2336).

Thank you Get in touch Let us help you choose a GEHA plan that can work for you. Visit geha.com