FEP Blue Focus® for PSHB
Get quality health care coverage that’s easy on your wallet, plus access to a network with over 2 million doctors and hospitals and over 55,000 retail pharmacies.
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.
Benefits at a Glance
In-network care only
A reward for getting your annual physical
Your first 10 primary care and specialist visits are just $10 each
Access to 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.
Get the details
Want to see detailed benefits for this plan? Download the 2025 Blue Cross and Blue Shield Service Benefit Plan Brochure – FEP Blue Focus below.
See Plan Brochure
View an interactive plan summary book
For a convenient summary of our three coverage options, view an interactive version of the 2025 Benefit Summary Book.
2025 FEP Blue Focus for PSHB Rates
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self Only (35A) | $59.17 | $128.21 |
| Self + 1 (35C) | $127.21 | $275.63 |
| Self & Family (35B) | $139.92 | $303.17 |
See if your doctor is in our network
Use our National Doctor and Hospital Finder tool to see if your current doctor is in our Preferred provider network or to find a specialist, retail clinic or urgent care center near you.
FEP Blue Focus for PSHB Benefits
See costs for typical services when you use Preferred providers.
Compare Plans| 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% of our allowance ($350 maximum)2
Mail Service Pharmacy: Not available
Specialty Pharmacy^: Preferred specialty: 40% of our allowance ($350 maximum)2 |
| Maternity Care |
$0 for doctor's visits $1,500 copay for inpatient hospital delivery |
| Hospital Care |
30% of our allowance for outpatient care1 30% of our allowance for inpatient care1 (precertification is required) |
| Surgery | 30% of our allowance1 |
| ER (accidental injury) | $0 within 72 hours |
| ER (medical emergency) | 30% of our allowance1 |
| 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% of our allowance1 |
| Dental Care | Not covered |
| Rewards Program | Earn $150 on your MyBlue Wellness Card for getting an annual physical6 |
| Annual Deductible |
Self Only: $500 Self + One and Self & Family: $1,000 |
| Annual Medical Out-of-Pocket Maximum (PPO)7 |
Self Only: $9,000 Self + One and Self & Family: $18,000 |
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. The annual out-of-pocket maximum for prescription drugs will be $2,000. Learn more here.
| FEP Blue Focus® with MPDP | |
|---|---|
| Retail Pharmacy^ |
Generics: $5 copay |
| FEP Mail Service Pharmacy | Not a benefit |
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. $500 for Self Only and $1,000 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% of our allowance 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.
The MPDP formulary and/or pharmacy network may change at any time. You will receive notice when necessary.
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 brochure (RI 71-025). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.
Try our Prescription Drug Cost Tool
Our Prescription Drug Cost Tool lets you check drug costs 24/7, see if your drug is covered under your selected plan and compare costs of covered drugs for all three plans. If you’re a member and logged in to MyBlue®, you can access a personalized drug cost tool that shows you the cost of prescription drugs for your specific plan.
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.
Have questions? Check out our enrollment & benefits FAQs.
Already a member? Get started
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