FEP Blue Focus® for PSHB

What you need to know about the Postal Service Health Benefits (PSHB) Program

FEP is committed to providing Postal Service employees, retirees and their families with some of the best health care benefits possible. As an approved carrier in the PSHB Program, FEP will continue to deliver the same great coverage, incentives and discounts that you rely on today.

Benefits at a glance

Get the details

Want to see detailed benefits for this plan? Download the 2025 Blue Cross and Blue Shield Service Benefit Plan Brochure – FEP Blue Focus below.

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View an interactive plan summary book

For a convenient summary of our three coverage options, view an interactive version of the 2025 Benefit Summary Book.

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2026
2025

2026 FEP Blue Focus for PSHB Rates


Enrollment Code	Bi-weekly	Monthly
Self Only (35A)	$75.15	$162.83
Self + 1 (35C)	$161.56	$350.06
Self & Family (35B)	$177.70	$385.03

2025 FEP Blue Focus for PSHB Rates


Enrollment Code	Bi-weekly	Monthly
Self Only (35A)	$59.17	$128.21
Self + 1 (35C)	$127.21	$275.63
Self & Family (35B)	$139.92	$303.17

See if your doctor is in our network

Use our National Doctor and Hospital Finder tool to see if your current doctor is in our Preferred provider network or to find a specialist, retail clinic or urgent care center near you.

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2026
2025

FEP Blue Focus for PSHB Benefits

See costs for typical services when you use Preferred providers.

FEP Blue Focus for PSHB Benefits
	FEP Blue Focus
Virtual doctor visits by Teladoc Health®	$0 copay
Preventive Care	$0 copay for covered preventive screenings, immunizations and services
Physician and Mental Health Care	$10 copay per visit for your first 10 primary and/or specialty visits⁵
Urgent Care Center	$25 copay
Chiropractic Care	$25 copay per treatment; for up to 10 visits per year combined for chiropractic care and acupuncture⁵
Prescription Drugs	Retail Pharmacy^{^}: Generics: $5 copay Preferred brand: 40% coinsurance² Specialty Pharmacy^: Preferred specialty: 40% coinsurance²
Maternity Care	$0 for doctor's visits $3,500 copay for inpatient hospital delivery
Hospital Care	30% coinsurance for outpatient care¹ 30% coinsurance for inpatient care¹ (precertification is required)
Surgery	30% coinsurance¹
ER (accidental injury)	$0 within 72 hours
ER (medical emergency)	30% coinsurance¹
Lab work (such as blood tests)	$0 for first 10 specific lab tests³^,4
Diagnostic services (such as sleep studies, X-rays, CT scans)	30% coinsurance¹
Dental Care	Not covered
Rewards Program	Earn $150 on your MyBlue Wellness Card for getting an annual physical⁶
Annual Deductible	Self Only: $750 Self + One and Self & Family: $1,500
Annual Medical Out-of-Pocket Maximum (PPO)⁷	Self Only: $10,000 Self + One and Self & Family: $20,000

Under FEP Blue Focus, benefits are not available for services performed by Non-preferred providers, except in certain situations such as emergency care.

Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).

^{^} What you’ll pay for a 30-day supply of covered drugs.
¹ Deductible applies. $750 for Self Only and $1,500 for Self + One and Self & Family.
² Specialty drugs are limited to a 30-day supply.
³ Professional charges for facility-based intensive outpatient treatment and professional charges for outpatient diagnostic tests to include psychological testing are not part of the 10 for $10 benefit.
⁴ Please see brochure for covered lab services.
⁵ You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
⁶ You must be the contract holder or spouse, 18 or older, on a FEP Blue Focus plan to earn this reward.
⁷ The Annual Pharmacy Out-of-Pocket Maximum is inclusive of the cost of the prescription drug and what you pay out-of-pocket.

This is a summary of the features of the Blue Cross and Blue Shield Service Benefit Plan. Before making a final decision, please read the Plan’s Postal Service Health Benefits Program brochures (FEP Blue Standard and FEP Blue Basic: RI 71-020; FEP Blue Focus: RI 71-025). All benefits are subject to the definitions, limitations and exclusions set forth in the brochures.

FEP Blue Focus for PSHB Benefits

See costs for typical services when you use Preferred providers.

FEP Blue Focus for PSHB Benefits
	FEP Blue Focus
Virtual doctor visits by Teladoc Health®	$0 copay
Preventive Care	$0 copay for covered preventive screenings, immunizations and services
Physician and Mental Health Care	$10 copay per visit for your first 10 primary and/or specialty visits⁵
Urgent Care Center	$25 copay
Chiropractic Care	$25 copay per treatment; for up to 10 visits per year combined for chiropractic care and acupuncture⁵
Prescription Drugs	Retail Pharmacy^{^}: Generics: $5 copay Preferred brand: 40% coinsurance² Specialty Pharmacy^: Preferred specialty: 40% coinsurance²
Maternity Care	$0 for doctor's visits $1,500 copay for inpatient hospital delivery
Hospital Care	30% coinsurance for outpatient care¹ 30% coinsurance for inpatient care¹ (precertification is required)
Surgery	30% coinsurance¹
ER (accidental injury)	$0 within 72 hours
ER (medical emergency)	30% coinsurance¹
Lab work (such as blood tests)	$0 for first 10 specific lab tests³^,4
Diagnostic services (such as sleep studies, X-rays, CT scans)	30% of our allowance¹
Dental Care	Not covered
Rewards Program	Earn $150 on your MyBlue Wellness Card for getting an annual physical⁶
Annual Deductible	Self Only: $500 Self + One and Self & Family: $1,000
Annual Medical Out-of-Pocket Maximum (PPO)⁷	Self Only: $9,000 Self + One and Self & Family: $18,000

Under FEP Blue Focus, benefits are not available for services performed by Non-preferred providers, except in certain situations such as emergency care.

Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).

^{^} What you’ll pay for a 30-day supply of covered drugs.
¹ Deductible applies. $500 for Self Only and $1,000 for Self + One and Self & Family.
² Specialty drugs are limited to a 30-day supply.
³ Professional charges for facility-based intensive outpatient treatment and professional charges for outpatient diagnostic tests to include psychological testing are not part of the 10 for $10 benefit.
⁴ Please see brochure for covered lab services.
⁵ You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
⁶ You must be the contract holder or spouse, 18 or older, on a FEP Blue Focus plan to earn this reward.
⁷ The Annual Pharmacy Out-of-Pocket Maximum is inclusive of the cost of the prescription drug and what you pay out-of-pocket.

2026
2025

FEP Blue Focus with FEP Medicare Prescription Drug Program

Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and more approved prescription drugs than the traditional pharmacy benefit. Learn more here.

FEP Blue Focus with FEP Medicare Prescription Drug Program
	FEP Blue Focus^® with MPDP
FEP Medicare Prescription Drug Program Out-of-Pocket Maximum	$2,100 per member Dummy comment to reduce the gap between 2 colsMedicare page for more information.
Retail Pharmacy^{^}	Generics: $5 copay Preferred brand: 40% coinsurance Non-preferred brand: 40% coinsurance Specialty drugs: 40% coinsurance

FEP Blue Focus with FEP Medicare Prescription Drug Program

Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and more approved prescription drugs than the traditional pharmacy benefit. Learn more here.

FEP Blue Focus with FEP Medicare Prescription Drug Program
	FEP Blue Focus^® with MPDP
FEP Medicare Prescription Drug Program Out-of-Pocket Maximum	$2,000 per member Dummy comment to reduce the gap between 2 colsMedicare page for more information.
Retail Pharmacy^{^}	Generics: $5 copay Preferred brand: 40% coinsurance Non-preferred brand: 40% coinsurance Specialty drugs: 40% coinsurance

^{^} What you’ll pay for a 30-day supply of covered drugs.

The MPDP formulary and/or pharmacy network may change at any time. You will receive notice when necessary.

Try our Prescription Drug Cost Tool

With our Prescription Drug Cost Tool, you can check drug costs 24/7. If you’re a member and logged in to MyBlue®, you can access a personalized drug cost tool that shows you the cost of prescription drugs for your specific plan.

Please note, while you can use the tool now, 2026 pricing information in the Personalized Drug Cost Tool will not be available until October 11, 2025.

Check Drug Costs See Personalized Costs

Get to know FEP Blue Focus

Take a closer look at this budget-friendly option and how it can help you focus on the essentials of good health.

Have questions? Check out our enrollment & benefits FAQs.

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FEP Blue Focus^® for PSHB

What you need to know about the Postal Service Health Benefits (PSHB) Program

Jump to

Benefits at a glance

Get the details

View an interactive plan summary book

2026 FEP Blue Focus for PSHB Rates

2025 FEP Blue Focus for PSHB Rates

See if your doctor is in our network

FEP Blue Focus for PSHB Benefits

FEP Blue Focus for PSHB Benefits

FEP Blue Focus with FEP Medicare Prescription Drug Program

FEP Blue Focus with FEP Medicare Prescription Drug Program

Try our Prescription Drug Cost Tool

Get to know FEP Blue Focus