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
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 |
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 |
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 |
Compare PSHB Benefit Options
See costs for typical services when you use Preferred providers.
FEP Blue Focus® View plan page |
FEP Blue Basic™ View plan page |
FEP Blue Standard™ View plan page |
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Virtual doctor visits by Teladoc Health® |
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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 |
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Urgent Care Center | $25 copay |
$50 copay
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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 ^ :
Mail Service Pharmacy: Not a benefit Specialty Pharmacy ^:
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If you have Medicare Part B primary, your costs for prescription drugs may be lower. Retail Pharmacy ^ :
Mail Service Pharmacy: Available to members with Medicare Part B primary only. Visit the Medicarepage for more information.
Specialty Pharmacy ^ :
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If you have Medicare Part B primary, your costs for prescription drugs may be lower. Retail Pharmacy:
Mail Service Pharmacy:
Specialty Pharmacy ^ :
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FEP Medicare Prescription Drug Program |
Retail Pharmacy
^
:
Mail Service Pharmacy: Not a benefit |
Retail Pharmacy ^ :
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Retail Pharmacy ^ :
Mail Service Pharmacy:
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Maternity Care |
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$0 copay |
Hospital Care |
30% of our allowance for outpatient care1 30% of our allowance 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% of our allowance for outpatient care $350 per admission copay for inpatient care (precertification is required)* |
Surgery |
30% of our allowance*
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15% of our allowance*
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ER (accidental injury) | $0 within 72 hours | $350 copay per day per facility | $0 within 72 hours |
ER (medical emergency) |
30% of our allowance1
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$350 copay per day per facility
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15% of our allowance*
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Lab work (such as blood tests) |
$0 for first 10 specific lab tests**
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15% of our allowance1
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15% of our allowance*
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Diagnostic services (such as sleep studies, CT scans) |
30% of our allowance*
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15% of our allowance*
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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
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Annual Deductible |
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No deductible |
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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.