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High and Standard Option Health Plans for Federal Employees

Federal employees who live or work in the Capital Region, Central New York, and Hudson Valley can participate in CDPHP Universal Benefits®, Inc. (CDPHP UBI).

High and Standard Option - Both plans share the same provider network. Out-of-pocket costs and premium rates vary.

Continuing in 2018: Self Plus One Enrollment!  If you only need coverage for yourself and one dependent (either a spouse or a child), you can select a plan type of “Self Plus One”, instead of the “Self and Family” plan 

  • Enhanced Primary Care (EPC)
    Enhanced Primary Care sites are your "Medical Home." CDPHP encourages members to have a medical home, that is, a doctor’s office that coordinates most of your care. This can be a primary care physician (PCP), or in the case of our Enhanced Primary Care (EPC) sites, a team of health care providers looking out for you. You can use Find-A-Doc to determine which offices are in the program. Indicate “Enhanced Primary Care” in Step Two when completing your search. The enhanced primary care icon will appear next to EPC-participating doctors’ names.

  • Rx for Less
    CDPHP members with prescription drug benefits can get deep discounts on specific generic drugs when purchased at any CVS, Target, Walmart, Price Chopper/Market 32, Hannaford or Shop-Rite pharmacy.

New in 2018:

  • Telemedicine by Doctor on Demand!
    We cover online internet consultations between you and providers who participate in our Telemedicine program for medical conditions that are not an emergency condition. Our Telemedicine program, Doctor on Demand, allows members to communicate with providers through two-way video and can be easily accessed through our website or by going directly to

Note: These services are neither offered nor guaranteed under contract with the FEHB Program, but are made available to all enrollees and family members who become members of CDPHP UBI.

This is a summary of the features of the CDPHP UBI plan for Federal Government employees and annuitants. Before making a final decision, please read the Plan’s Federal brochure R1 73-549. All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.

The CDPHP UBI Plan complies with all applicable Federal civil rights laws, to include both Title VII and Section 1557 of the ACA. Pursuant to Section 1557 the FEHB Plan does not discriminate, exclude people, or treat them differently on the basis of race, color, national origin, age, disability, religion, or sex (including pregnancy and gender identity).