Skip to main content
Log In to MyBlue® What is MyBlue®
Log In to MyBlue® What is MyBlue®

Explore Our PSHB Plans

See the differences between benefits and coverage for our 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.

Jump to

Each plan offers more ways to get the coverage you need

FEP Blue Focus®

  • Lowest premium
  • $10 per visit for the first 10 primary and specialist visits for each person on your plan
  • Lowest copay for urgent care centers

FEP Blue Basic®

  • No deductibles
  • Flat copays for many medical services
  • Broader prescription drug coverage

 

FEP Blue Standard®

  • Out-of-network care
  • FEP Mail Service Pharmacy and largest approved drug list
  • Comprehensive family planning benefits including free maternal health coverage and up to $25,000 annually in IVF benefits

2026 PSHB Plan Rates

FEP Blue Focus
Enrollment code Bi-weekly Monthly
Self (35A) $75.15 $162.83
Self + 1 (35C) $161.56 $350.06
Self & Family
(35B)		 $177.70 $385.03
FEP Blue Basic
Enrollment code Bi-weekly Monthly
Self (33A) $127.59 $276.45
Self + 1 (33C) $313.84 $679.99
Self & Family
(33B)		 $357.52 $774.62
FEP Blue Standard
Enrollment code Bi-weekly Monthly
Self (33D) $190.10 $411.89
Self + 1 (33F) $424.42 $919.58
Self & Family
(33E)		 $479.21 $1,038.29

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


A closer look at medical out-of-pocket costs

See costs for typical services when you use Preferred providers.

 Download the 2026 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 visits5
  • $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 per year 2,5 $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% coinsurance


Mail Service Pharmacy: 

Not a benefit


Specialty Pharmacy ^:

  • Preferred specialty: 40% coinsurance

Retail Pharmacy ^ :

  • Generics: $15 copay

  • Preferred brand: 35% coinsurance

  • Non-preferred brand: 60% coinsurance 

  • Preferred specialty: 35% coinsurance

  • Non-preferred specialty: 35% coinsurance



Mail Service Pharmacy ^ :

Available to members in the FEP Medicare Prescription Drug Program (MPDP) 



Specialty Pharmacy ^ :

  • Preferred specialty: 35% coinsurance

  • Non-preferred specialty: 35% coinsurance

Retail Pharmacy ^ :

  • Generics: $7.50 copay

  • Preferred brand: 30% coinsurance

  • Non-preferred brand: 50% coinsurance

  • Preferred specialty: 30% coinsurance

  • Non-preferred specialty: 30% coinsurance



Mail Service Pharmacy:

  • Generics: $15 copay

  • Preferred brand: $140 copay

  • Non-preferred brand: $175 copay



Specialty Pharmacy ^ :

  • Preferred specialty: $100 copay

  • Non-preferred specialty: $135 copay
FEP Medicare Prescription Drug Program

Retail Pharmacy ^ :

  • Generics: $5 copay

  • Preferred brand: 40% coinsurance

  • Non-preferred brand: 40% coinsurance

  • Specialty: 40% coinsurance

 

Mail Service Pharmacy: 

Not a benefit

Retail Pharmacy ^ :

  • Generics: $10 copay

  • Preferred brand: $45 copay

  • Non-preferred brand: 50% coinsurance

  • 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% coinsurance

  • 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
  • $3,500 for facility care
  • $0 for doctor's visit
  • $0 for delivery at a Blue Distinction Center
  • $425 for delivery at all other facilities
 $0 copay
Hospital Care

30% coinsurance for outpatient care*

30% coinsurance for inpatient care* (precertification is required)

$250 copay for outpatient care per day per facility1

$425 per day copay for inpatient care; up to $2,975 per admission (precertification is required)

15% coinsurance for outpatient care*

$350 per admission copay for inpatient care (precertification is required)
Surgery 30% coinsurance*
  • $150 copay per surgeon in an office1
  • $200 copay per surgeon in other settings1
15% coinsurance*
ER (accidental injury) $0 within 72 hours $425 copay per day per facility $0 within 72 hours
ER (medical emergency) 30% coinsurance*
 $425 copay per day per facility
 
 15% coinsurance*
Lab work (such as blood tests) $0 for first 10 specific lab tests**
15% coinsurance1
15% coinsurance*
Diagnostic services (such as sleep studies, CT scans) 30% coinsurance*
  • Up to $100 in an office1
  • Up to $250 in a hospital1
15% coinsurance*
Dental Care Not a benefit

$35 per evaluation; up to 2 evaluations per year

 See 2026 FEP Blue Standard and FEP Blue Basic PSHB brochure
Rewards Program Earn $150 on your MyBlue Wellness Card for getting an annual physical4
Annual Deductible
  • Self Only: $750
  • Self + One and Self & Family: $1,500
 No deductible
  • Self Only: $350
  • Self + One and Self & Family: $700
Network Coverage In-network care only, except in certain situations like emergency care In-network care only, except in certain situations like emergency care In-network and out-of-network care
Out-of-Pocket Maximum (PPO)

Self Only: $10,000

Self + One and Self & Family: $20,000

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 $2,100 per member $2,100 per member $2,100 per member

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 35% coinsurance 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 incentive rewards.
  • 4 You must be the contract holder or spouse, 18 or older, on an FEP Blue Focus plan to earn this reward.
  • 5 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
  •  

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.

A closer look at medical out-of-pocket costs

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 year 1,2 $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% coinsurance


Mail Service Pharmacy: 

Not a benefit


Specialty Pharmacy ^:

  • Preferred specialty: 40% coinsurance

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% coinsurance

  • Preferred specialty: $120 copay

  • Non-preferred specialty: $200 copay


Mail Service Pharmacy: 

Available to members with Medicare Part B primary only. Visit the Medicare page 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% coinsurance

  • Non-preferred brand: 50% coinsurance

  • Preferred specialty: 30% coinsurance ^ :

  • Non-preferred specialty: 30% coinsurance ^ :


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% coinsurance

  • Non-preferred brand: 40% coinsurance

  • Specialty: 40% coinsurance

 

Mail Service Pharmacy: 

Not a benefit

Retail Pharmacy ^ :

  • Generics: $10 copay

  • Preferred brand: $45 copay

  • Non-preferred brand: 50% coinsurance

  • 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% coinsurance

  • 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% coinsurance for outpatient care1 

30% coinsurance for inpatient care1 (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% coinsurance for outpatient care

$350 per admission copay for inpatient care (precertification is required)*
Surgery 30% coinsurance*
  • $150 copay per surgeon in an office1
  • $200 copay per surgeon in other settings1
15% coinsurance*
ER (accidental injury) $0 within 72 hours $350 copay per day per facility $0 within 72 hours
ER (medical emergency) 30% coinsurance1
$350 copay per day per facility
 
 15% coinsurance*
Lab work (such as blood tests) $0 for first 10 specific lab tests**
15% coinsurance1
15% coinsurance*
Diagnostic services (such as sleep studies, CT scans) 30% coinsurance*
  • Up to $100 in an office1
  • Up to $250 in a hospital1
15% coinsurance*
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 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% coinsurance 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 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.

We use cookies on this website to give you the best experience and measure website usage. By continuing to use this website, you consent to these cookies. For more information, view our privacy policy.