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MyBlue®:

Compare Our PSHB Plans

See the differences between benefits and coverage for our PSHB plans side by side.

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.

What's the difference between coverage options?

FEP Blue Focus®

  • Must stay in-network
  • Out-of-pocket costs include copays and coinsurance
  • Earn $150 a year on your MyBlue® Wellness Card for getting an annual physical
  • Has a deductible

FEP Blue Basic™

  • Must stay in-network
  • Most out-of-pocket costs are copays
  • Earn up to $170 a year on your MyBlue® Wellness Card
  • Eligible members with Medicare can get up to $800 Medicare Part B reimbursement
  • Access to Mail Service Pharmacy Program for members with Part B
  • Has no deductible
     

 

FEP Blue Standard™

  • Can see any provider, even outside the network
  • Out-of-pocket costs include copays and coinsurance
  • Access to Mail Service Pharmacy Program
  • Earn up to $170 a year on your MyBlue® Wellness Card
  • Has a deductible
     

2025 PSHB Plan Rates

FEP Blue Focus®
Enrollment code Bi-weekly Monthly
Self
(35A)
$59.17 $128.21
Self + 1
(35C)
$127.21 $275.63
Self & Family
(35B)
$139.92 $303.17
FEP Blue Basic™
Enrollment code Bi-weekly Monthly
Self
(33A)
$114.12 $247.26
Self + 1
(33C)
$280.99 $608.81
Self & Family
(33B)
$317.62 $688.18
FEP Blue Standard™
Enrollment code Bi-weekly Monthly
Self
(33D)
$174.13 $377.28
Self + 1
(33F)
$388.04 $840.75
Self & Family
(33E)
$435.43 $943.43
These rates may not apply to all enrollees.

Compare PSHB Benefit Options

See costs for typical services when you use Preferred providers.

 Download the 2025 Benefits at a Glance Brochure

FEP Blue Focus®
View plan page
FEP Blue Basic™
View plan page
FEP Blue Standard™
View plan page
Virtual doctor visits by Teladoc Health®
  • $0 copay
  • $0 copay
  • $0 copay
Preventive Care $0 copay for covered preventive screenings, immunizations and services $0 copay for covered preventive screenings, immunizations and services $0 copay for covered preventive screenings, immunizations and services
Physician and Mental Health Care $10 per visit for your first 10 primary and/or specialty care visits1
  • $35 copay for primary care 1
  • $50 copay for specialists 1
  • $35 copay for mental health visits
  • $30 copay for primary care
  • $40 copay for specialists
  • $30 copay for mental health visits
Urgent Care Center $25 copay $50 copay

 

Accidental Injury: $0 

Medical Emergency: $30 copay

Chiropractic Care $25 for up to 10 visits a year1 2 $35 for up to 20 visits a year $30 for up to 12 visits a year
Prescription Drugs

Retail Pharmacy ^ :

  • Generics: $5 copay

  • Preferred brand: 40% of our allowance ($350 maximum)


Mail Service Pharmacy

Not a benefit


Specialty Pharmacy ^:

  • Preferred specialty: 40% of our allowance ($350 maximum)

If you have Medicare Part B primary, your costs for prescription drugs may be lower.

Retail Pharmacy ^ :

  • Generics: $15 copay

  • Preferred brand: $75 copay

  • Non-preferred brand: 60% of our allowance ($90 minimum)

  • Preferred specialty: $120 copay

  • Non-preferred specialty: $200 copay


Mail Service Pharmacy

Available to members with Medicare Part B primary only. Visit the Medicarepage for more information.

  • Generics: $20 copay

  • Preferred brand: $100 copay

  • Non-preferred brand: $125 copay


Specialty Pharmacy ^ :

  • Preferred specialty: $120 copay2

  • Non-preferred specialty: $200 copay2

If you have Medicare Part B primary, your costs for prescription drugs may be lower.

Retail Pharmacy:

  • Generics: $7.50 copay ^ :

  • Preferred brand: 30% of our allowance

  • Non-preferred brand: 50% of our allowance

  • Preferred specialty: 30% of our allowance ^ :

  • Non-preferred specialty: 30% of our allowance ^ :


Mail Service Pharmacy:

  • Generics: $15 copay

  • Preferred brand: $90 copay

  • Non-preferred brand: $125 copay


Specialty Pharmacy ^ :

  • Preferred specialty: $65 copay

  • Non-preferred specialty: $85 copay

FEP Medicare Prescription Drug Program

Retail Pharmacy ^ :

  • Generics: $5 copay

  • Preferred brand: 40% of our allowance ($350 maximum)

  • Non-preferred brand: 40% of our allowance ($350 maximum)

  • Specialty: 40% of our allowance ($350 maximum)

 

Mail Service Pharmacy

Not a benefit

Retail Pharmacy ^ :

  • Generics: $10 copay

  • Preferred brand: $45 copay

  • Non-preferred brand: 50% of our allowance ($60 minimum)

  • Specialty: $75 copay

 

  • Mail Service Pharmacy:

  • Generics: $15 copay

  • Preferred brand: $95 copay

  • Non-preferred brand: $125 copay

  • Specialty: $150 copay

Retail Pharmacy ^ :

  • Generics: $5 copay

  • Preferred brand: $35 copay

  • Non-preferred brand: 50% of our allowance

  • Specialty: $60 copay


Mail Service Pharmacy:

  • Generics: $5 copay

  • Preferred brand: $85 copay

  • Non-preferred brand: $125 copay

  • Specialty: $150 copay

Maternity Care
  • $0 for doctor's visits
  • $1,500 for facility care
  • $350 inpatient
  • $0 outpatient
$0 copay
Hospital Care

30% of our allowance for outpatient care

30% of our allowance for inpatient care(precertification is required)

$250 per day for outpatient care per day per facility1

$350 per day copay for inpatient care; up to $1,750 per admission (precertification is required)

15% of our allowance for outpatient care

$350 per admission copay for inpatient care (precertification is required)*

Surgery 30% of our allowance*
  • $150 copayper surgeon in an office1
  • $200 copay per surgeon in other settings1
15% of our allowance*
ER (accidental injury) $0 within 72 hours $350 copay per day per facility $0 within 72 hours
ER (medical emergency) 30% of our allowance1
$350 copay per day per facility
 
15% of our allowance*
Lab work (such as blood tests) $0 for first 10 specific lab tests**
15% of our allowance1
15% of our allowance*
Diagnostic services (such as sleep studies, CT scans) 30% of our allowance*
  • Up to $100 in an office1
  • Up to $250 in a hospital1
15% of our allowance*
Dental Care Not a benefit

$35 per evaluation; up to 2 evaluations per year

See 2025 FEP Blue Standard and FEP Blue Basic PSHB brochure
Rewards Program Earn $150 on your MyBlue Wellness Card, at no out-of-pocket cost for getting an annual physical4
Annual Deductible
  • Self Only: $500
  • Self + One and Self & Family: $1,000
No deductible
  • Self Only: $350
  • Self + One and Self & Family: $700
Out-of-Pocket Maximum (PPO)

Self Only: $9,000

Self + One and Self & Family: $18,000

Self Only: $7,500

Self + One and Self & Family: $15,000

Self Only: $6,000

Self + One and Self & Family: $12,000

FEP Medicare Prescription Drug Program Out-of-Pocket Maximum $2,000 per member $2,000 per member $2,000 per member

Certain medical services and treatments may require prior authorization before you receive care. Learn more here.

 

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

 

  • * Deductible applies.
  • ** Please see brochure for covered lab services.
  • ^ What you’ll pay for a 30-day supply of covered drugs.
  • 1 You pay 30% of our allowance for agents, drugs and/or supplies you receive during your care.
  • 2 Up to 10 visits combined for chiropractic care and acupuncture.
  • 3 You must be the contract holder or spouse, 18 or older, on an FEP Blue Standard or FEP Blue Basic plan to earn this reward.
  • 4 You must be the contract holder or spouse, 18 or older, on an FEP Blue Focus plan to earn this reward.

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 Federal 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 Federal brochures.