FEP Blue Standard® for PSHB
This plan is best for growing families or anyone who wants the broadest coverage with the flexibility to see both in- and out-of-network doctors. Here's what you need to know about FEP Blue Standard and what it covers.
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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.
This plan is best for people who:
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Take specialty drugs
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Want access to the FEP Mail Service Pharmacy
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Are planning or growing your family and want maternity care fully covered + additional IVF benefits
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Want out-of-network coverage
Get the details
Want to see detailed benefits for this plan? Download the Blue Cross and Blue Shield Service Benefit Plan Brochure – FEP Blue Standard and FEP Blue Basic below.
2027 FEP Blue Standard for PSHB Rates
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self Only (33D) | $196.30 | $425.32 |
| Self + 1 (33F) | $435.86 | $944.36 |
| Self & Family (33E) | $490.62 | $1,063.01 |
2026 FEP Blue Standard for PSHB Rates
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self Only (33D) | $190.10 | $411.89 |
| Self + 1 (33F) | $424.42 | $919.58 |
| Self & Family (33E) | $479.21 | $1,038.29 |
FEP Blue Standard for PSHB Benefits
See costs for typical services when you use Preferred providers.
| FEP Blue Standard | |
|---|---|
| Preventive care | $0 |
| Virtual doctor visits by Teladoc Health® | $0 |
| Primary care doctor & mental health visits | $30 |
| Specialists | $40 |
| Urgent care centers | $30 |
| Chiropractic care | $30 for up to 12 total visits per year |
| Acupuncture care | 15% for up to 24 total visits per year* |
| Prescription drugs |
Retail Pharmacy:
Generics: $7.50 Preferred brand: 30%; up to $150 Non-preferred brand: 50%; up to $450 Preferred specialty: 30%; up to $250 Non-preferred specialty: 35%; up to $450 Mail Service Pharmacy: Generics: $15 Preferred brand: $140 Non-preferred brand: $175 Specialty Pharmacy: Preferred specialty: $175 Non-preferred specialty: $300 |
|
Maternity care & family planning (You pay nothing for birth control; if you're growing your family, you have access to a WINFertility discount through Blue365®) |
$0 for maternity care
15% of up to $25,000 for IVF* |
|
Inpatient admission (Services where you stay overnight) |
$600 per admission |
|
Outpatient care (Services done within a day) |
15%* |
| Surgeons | 15%* |
|
ER (Accidental injury) |
$0 within 72 hours of injury |
|
ER (Medical emergency) |
15%* |
|
Lab work (Such as blood tests) |
15%* |
| Diagnostic services (Such as sleep studies, X-rays, CT scans) | 15%* |
| Annual deductible |
Self Only: $500 Self + One and Self & Family: $1,000 |
| Out-of-pocket maximum |
Self Only: $7,000 Self + One and Self & Family: $14,000 |
If you have Medicare primary or receive care overseas, different cost share amounts may apply.
*Deductible applies.
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 Standard for PSHB Benefits
See costs for typical services when you use Preferred providers.
| In-Network (PPO benefit) - You pay: | Out-of-Network (Non-PPO benefit)* - You pay: | |
|---|---|---|
| Virtual doctor visits by Teladoc Health® | $0 copay | N/A |
| Preventive Care | $0 copay for covered preventive screenings, immunizations and services | 35% coinsurance† |
| Physician and Mental Health Care |
$30 copay for primary care $40 copay for specialists $30 copay for mental health visits |
35% coinsurance† |
| Urgent Care Center |
Accidental Injury: $0 Medical Emergency: $30 copay |
Accidental Injury: $0 Medical Emergency: 35% coinsurance† |
| Chiropractic Care | $30 copay per treatment; up to 12 visits a year | 35% coinsurance†; up to 12 visits a year |
| Prescription Drugs |
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
Preferred specialty: $100 copay Non-preferred specialty: $135 copay |
Retail Pharmacy: 45% coinsurance
Mail Service Pharmacy: Not covered
Specialty Pharmacy: Not covered |
| Maternity Care | $0 copay |
Pre-/postnatal professional care: 35% coinsurance† Inpatient hospital: $450 per admission copay for unlimited days, plus 35% coinsurance Outpatient facility care: 35% coinsurance† |
| Hospital Care |
15% coinsurance for outpatient care† $350 per admission copay for inpatient care (precertificiation is required) |
35% coinsurance for outpatient care† $450 per admission copay plus 35% coinsurance for inpatient care (precertificiation is required) |
| Surgery | 15% coinsurance† | 35% coinsurance† |
| ER (accidental injury) | $0 within 72 hours | Nothing for covered services |
| ER (medical emergency) | 15% coinsurance† | 15% coinsurance† |
| Lab work (such as blood tests) | 15% coinsurance† | 35% coinsurance† |
| Diagnostic services (such as sleep studies, X-rays, CT scans) | 15% coinsurance† | 35% coinsurance† |
| Dental Care | See 2026 FEP Blue Standard and FEP Blue Basic PSHB brochure | 35% coinsurance† |
| Rewards Program |
Earn $50 for completing the Blue Health Assessment3 Earn up to $120 for completing three eligible |
Earn $50 for completing the Blue Health Assessment3 Earn up to $120 for completing three eligible Daily Habits goals3 |
| Annual Deductible |
Self Only: $350
Self + One and Self & Family: $700 |
Self Only: $350
Self + One and Self & Family: $700 |
| Annual Medical Out-of-Pocket Maximum (PPO) |
Self Only: $6,000 Self + One and Self & Family: $12,000 |
Self Only: $8,0004 Self + One and Self & Family: $16,0004 |
Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).
- * If you use a Non-preferred provider under FEP Blue Standard, you generally pay any difference between coinsurance and the billed amount, in addition to any share of coinsurance shown in the table above. Certain out-of-pocket costs do not apply if Medicare is your primary coverage for medical services (it pays first).
- † Subject to the calendar year deductible: $350 per person or $700 in total for Self + One or Self & Family contracts.
- ^ What you’ll pay for a 30-day supply of covered drugs.
- 1 If you have Medicare Part B primary, your costs for prescription drugs may be lower.
- 2 On limited occasions, such as for certain drugs that require prior approval, you will need to file a claim for services received from Preferred providers.
- 3 You must be the contract holder or spouse, 18 or older, on a FEP Blue Standard or FEP Blue Basic to earn this reward.
- 4 Eligible expenses for the services of Preferred (In-Network) providers also count toward these limits.
- 5 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 Standard with FEP Medicare Prescription Drug Program
Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers than the traditional pharmacy benefit. Learn more here.
| FEP Blue Standard with MPDP | |
|---|---|
| Tier Specifics |
Tier 1: Generics Tier 2: Preferred brand name Tier 3: Non-preferred brand name Tier 4: Specialty drugs |
|
Retail Pharmacy (For a 30-day supply) |
Tier 1: $5 Tier 2: $35 Tier 3: 50% up to $50 Tier 4: $60 |
|
FEP Mail Service Pharmacy (For a 90-day supply) |
Tier 1: $5 Tier 2: $85 Tier 3: $125 Tier 4: $150 |
|
Annual pharmacy out-of-pocket maximum |
$2,400 per member |
FEP Blue Standard 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 Standard with MPDP | |
|---|---|
|
FEP Medicare Prescription Drug Program Out-of-Pocket Maximum |
$2,100 per member
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| Retail Pharmacy^ |
Generics: $5 copay Preferred brand: $35 copay Non-preferred brand: 50% coinsurance Specialty drugs: $60 copay |
| FEP Mail Service Pharmacy |
Generics: $5 copay Preferred brand: $85 copay Non-preferred brand: $125 copay Specialty drugs: $150 copay |
^ 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.
Get prescriptions delivered right to your door
All FEP Blue Standard members get access to our Mail Service Pharmacy Program. It’s a convenient way to get any prescription drugs you take regularly sent to your home. You can use your MyBlue® account to access the Mail Service Pharmacy and place mail order prescriptions.
Learn More