FEP Blue Focus^® for PSHB

This plan is ideal for individuals and families who mainly use their benefits for free preventive care and have minimal prescription needs. Here's what you need to know about FEP Blue Focus 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:

Mainly use free preventive care
Need fewer than 10 provider visits/year per member
Prefer generic drugs to help lower costs
Use in-network care only

Get the details

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

2026 Plan Brochure

Postal employee a customer at a post office counter.

View an interactive plan summary book

For a convenient summary of our three coverage options, view an interactive version of the 2026 Benefit Summary Book.

View Interactive Plan Summary

2027
2026

2027 FEP Blue Focus for PSHB Rates


Enrollment Code	Bi-weekly	Monthly
Self Only (35A)	$84.17	$182.38
Self + 1 (35C)	$180.95	$392.07
Self & Family (35B)	$199.03	$431.24

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

2027
2026

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 for PSHB
Preventive care	$0
Virtual doctor visits through Teladoc Health	$0
Primary care doctor & mental health visits	$10 per visit for the first 10 primary care and/or specialist visits for each person on your plan²
Specialists	$10 per visit for the first 10 primary care and/or specialist visits for each person on your plan²
Urgent care centers	$25
Chiropractic care	$25 for up to 10 total visits per year^2,4
Acupuncture care	$25 for up to 10 total visits per year^2,4
Prescription drugs	Retail Pharmacy: Generics: $5 copay Preferred brand: 40%; up to $550 Preferred specialty: 50%; up to $650 Specialty Pharmacy Preferred specialty: 50% up to $650
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®)	$5,000 for maternity care
Inpatient admission (Services where you stay overnight)	30%^*
Outpatient care (Services done within a day)	30%^*
Surgeons	30%^*
ER (Accidental injury)	$0 within 72 hours of injury
ER (Medical emergency)	30%^*
Lab work (Such as blood tests)	$0 for first 10 specific lab tests³
Diagnostic services (Such as sleep studies, X-rays, CT scans)	30%^*
Annual deductible	Self Only: $1,000 Self + One and Self & Family: $2,000
Out-of-pocket maximum	Self Only: $11,000 Self + One and Self & Family: $22,000

If you have Medicare primary or receive care overseas, different cost share amounts may apply.

^*Deductible applies.
²You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
³Please see brochure for covered lab services.
⁴Up to 10 visits combined for chiropractic care and acupuncture.

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 $3,500 copay for inpatient hospital delivery⁸
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.
⁸ If your pregnancy care starts in 2025 and your baby is born in 2026, your copay will be based on the 2026 amount.

2027
2026

FEP Blue Focus 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 Focus with FEP Medicare Prescription Drug Program
	FEP Blue Focus 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: 40% up to $300 Tier 3: 50% up to $400 Tier 4: 40% up to $350
FEP Mail Service Pharmacy (For a 90-day supply)	Not a benefit
Annual pharmacy out-of-pocket maximum	$2,400 per member

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

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 sentense to decrease the column length.Dummy sentense to decrease the column length
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

Check drug prices 24/7 with our Prescription Drug Cost Tool. Members can log in to MyBlue® for personalized costs based on your plan.

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.

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FEP Blue Focus^® for PSHB

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

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This plan is best for people who:

Get the details

View an interactive plan summary book

2027 FEP Blue Focus for PSHB Rates

2026 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