Compare Our PSHB Plans

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

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

Compare PSHB Benefit Options

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 year¹ 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% of our allowance ($350 maximum) Mail Service Pharmacy: Not a benefit Specialty Pharmacy ^{^}: Preferred specialty: 40% of our allowance ($350 maximum)	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% of our allowance ($90 minimum) Preferred specialty: $120 copay Non-preferred specialty: $200 copay Mail Service Pharmacy: Available to members with Medicare Part B primary only. Visit the Medicarepage 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% of our allowance Non-preferred brand: 50% of our allowance Preferred specialty: 30% of our allowance ^{^} : Non-preferred specialty: 30% of our allowance ^{^} : 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% of our allowance ($350 maximum) Non-preferred brand: 40% of our allowance ($350 maximum) Specialty: 40% of our allowance ($350 maximum) Mail Service Pharmacy: Not a benefit	Retail Pharmacy ^{^} : Generics: $10 copay Preferred brand: $45 copay Non-preferred brand: 50% of our allowance ($60 minimum) 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% of our allowance 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% 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^*	$150 copayper surgeon in an office¹ $200 copay per surgeon in other settings¹	15% of our allowance^*
ER (accidental injury)	$0 within 72 hours	$350 copay per day per facility	$0 within 72 hours
ER (medical emergency)	30% of our allowance¹	$350 copay per day per facility	15% of our allowance^*
Lab work (such as blood tests)	$0 for first 10 specific lab tests^**	15% of our allowance¹	15% of our allowance^*
Diagnostic services (such as sleep studies, CT scans)	30% of our allowance^*	Up to $100 in an office¹ Up to $250 in a hospital¹	15% of our allowance^*
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	Earn $50 for completing the Blue Health Assessment ³ Earn up to $120 for completing three eligible Daily Habits goals³	Earn $50 for completing the Blue Health Assessment ³ Earn up to $120 for completing three eligible Daily Habits goals³
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% 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: 71-025). All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochures.

Compare Our PSHB Plans

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

Jump to

What's the difference between coverage options?

FEP Blue Focus®

FEP Blue Basic™

FEP Blue Standard™

2025 PSHB Plan Rates

Compare PSHB Benefit Options

FEP Blue Focus^®