Find the Right PSHB Plan
Compare plan costs and benefits with our Plan Finder Tool so you can find
the one that fits you and your family.
Choose what fits you, then compare rates and benefits
I want the lowest monthly cost
FEP Blue Focus®
Essential coverage if you:
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
I want more coverage
FEP Blue Basic®
Everything in FEP Blue Focus, plus coverage if you:
Don't want a deductible
Need broader prescription coverage
See providers for more than 10 visits/year per member
Need chronic condition care
I want the most flexibility
FEP Blue Standard®
The most complete coverage if you:
Take specialty drugs
Want access to the FEP Mail Service Pharmacy
Are planning or growing your family and want maternity care fully
covered + additional IVF benefits
Want out-of-network coverage
PSHB plan rates
Get a clear picture of what each plan costs, so you can choose
coverage that fits both your needs and budget.
Self Only
Self + 1
Self & Family
FEP Blue Focus®
Enrollment code
Code
Bi-weekly
Monthly
Self Only (35A)
35A
$84.17
$182.38
Self + 1 (35C)
35C
$180.95
$392.07
Self & Family (35B)
35B
$199.03
$431.24
FEP Blue Basic®
Enrollment code
Code
Bi-weekly
Monthly
Self Only (33A)
33A
$139.94
$303.20
Self + 1 (33C)
33C
$340.28
$737.27
Self & Family (33B)
33B
$385.46
$835.16
FEP Blue Standard®
Enrollment code
Code
Bi-weekly
Monthly
Self Only (33D)
33D
$196.30
$425.32
Self + 1 (33F)
33F
$435.86
$944.36
Self & Family (33E)
33E
$490.62
$1,063.01
Self Only
Self + 1
Self & Family
FEP Blue Focus®
Enrollment code
Code
Bi-weekly
Monthly
Self Only (35A)
35A
$75.15
$162.83
Self + 1 (35C)
35C
$161.56
$350.06
Self & Family (35B)
35B
$177.70
$385.03
FEP Blue Basic®
Enrollment code
Code
Bi-weekly
Monthly
Self Only (33A)
33A
$127.59
$276.45
Self + 1 (33C)
33C
$313.84
$679.99
Self & Family (33B)
33B
$357.52
$774.62
FEP Blue Standard®
Enrollment code
Code
Bi-weekly
Monthly
Self Only (33D)
33D
$190.10
$411.89
Self + 1 (33F)
33F
$424.42
$919.58
Self & Family (33E)
33E
$479.21
$1,038.29
Features included in every plan:
Compare key costs and benefits
Start with the costs and benefits people often compare when choosing a
plan. More details are lower on the page.
Primary care doctor & mental health visits
Specialist
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 ® )
(You pay nothing for birth control; if you're growing your family, you have access to a WINFertility discount through Blue365 ® )
Deductible
Out-of-Pocket maximum
(In-network)
(In-network)
FEP Blue Focus®
$10
per visit for the first 10 primary care and/or specialists
visits for each person on your plan²
$5,000
for maternity care
$1,000
for Self Only
$2,000 for Self + One and Self & Family
$2,000 for Self + One and Self & Family
$11,000
for Self Only
$22,000 for Self + One and Self & Family
$22,000 for Self + One and Self & Family
FEP Blue Basic®
$20
for kids under 18
$35 for adults¹
$35 for adults¹
$50¹
$0
for doctor's visits
$0 for delivery at Blue Distinction Centers
$500 for delivery at all other facilities
$0 for delivery at Blue Distinction Centers
$500 for delivery at all other facilities
No deductible
$8,500
for Self Only
$17,000 for Self + One and Self & Family
$17,000 for Self + One and Self & Family
FEP Blue Standard®
$30
$40
$0
for maternity care
15% of up to $25,000 for IVF*
15% of up to $25,000 for IVF*
$500
for Self Only
$1,000 for Self + One and Self & Family
$1,000 for Self + One and Self & Family
$7,000
for Self Only
$14,000 for Self + One and Self & Family
$14,000 for Self + One and Self & Family
If you have Medicare primary or receive care overseas, different
cost share amounts may apply.
* Deductible applies. 1 You pay 35% coinsurance for agents, drugs, and/or supplies you receive during your care. 2 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
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.
* Deductible applies. 1 You pay 35% coinsurance for agents, drugs, and/or supplies you receive during your care. 2 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
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.
Primary care doctor & mental health visits
Specialist
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 ® )
(You pay nothing for birth control; if you're growing your family, you have access to a WINFertility discount through Blue365 ® )
Deductible
Out-of-Pocket maximum
(In-network)
(In-network)
FEP Blue Focus®
$10
per visit for your first 10 primary and/or specialty care visits
5
$0
for doctor's visits
$3,500 for facility care 6
$3,500 for facility care 6
Self Only:
$750
Self + One and Self & Family: $1,500
Self + One and Self & Family: $1,500
Self Only:
$10,000
Self + One and Self & Family: $20,000
Self + One and Self & Family: $20,000
FEP Blue Basic®
$35
copay for primary care¹
$35 copay for mental health visits
$35 copay for mental health visits
$50
copay for specialists¹
$0
for doctor's visits
$0 for delivery at Blue Distinction Centers
$425 for delivery at all other facilities
$0 for delivery at Blue Distinction Centers
$425 for delivery at all other facilities
No deductible
Self Only:
$7,500
Self + One and Self & Family: $15,000
Self + One and Self & Family: $15,000
FEP Blue Standard®
$30
copay for primary care
$30 copay for mental health visits
$30 copay for mental health visits
$40
copay for specialists
$0
copay
Self Only:
$350
Self + One and Self & Family: $700
Self + One and Self & Family: $700
Self Only:
$6,000
Self + One and Self & Family $12,000
Self + One and Self & Family $12,000
Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).
1 You pay 35% coinsurance for agents, drugs and/or supplies you receive during your care.
5 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
6 If your pregnancy care starts in 2025 and your baby is born in 2026, your copay will be based on the 2026 amount.
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.
1 You pay 35% coinsurance for agents, drugs and/or supplies you receive during your care.
5 You pay 30% coinsurance for agents, drugs and/or supplies you receive during your care.
6 If your pregnancy care starts in 2025 and your baby is born in 2026, your copay will be based on the 2026 amount.
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.
Taking prescription medication?
Check out our tools to see what's covered and find the best price before you fill your prescription.
Look up costs with our Prescription Drug Cost tool
Check drug costsLearn about your automatic enrollment in the FEP Medicare Prescription Drug Program
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See what's covered and what health services will cost for each plan.
Lab work and other tests
Lab work
(Such as blood tests)
Diagnostic services
(Such as sleep studies, X-rays, CT scans)
FEP Blue Focus®
$0
for first 10 specific lab tests3
30%*
FEP Blue Basic®
15%1
$100
in an office1
$250 in a hospital1
$250 in a hospital1
FEP Blue Standard®
15%*
15%*
Lab work
(Such as blood tests)
Diagnostic services
(Such as sleep studies, X-rays, CT scans)
FEP Blue Focus®
$0
for first 10 specific lab tests
**
30%
coinsurance
*
FEP Blue Basic®
15%
coinsurance
1
Up to
$100
in an office
1
Up to $250 in a hospital 1
Up to $250 in a hospital 1
FEP Blue Standard®
15%
coinsurance
*
15%
coinsurance
*
Urgent, emergency and hospital care
Urgent care centers
ER
(Accidental injury)
ER
(Medical emergency)
Inpatient admission
(Services where you stay overnight)
Outpatient care
(Services done within a day)
(Services done within a day)
Surgeons
FEP Blue Focus®
$25
$0
within 72 hours
30%
*
30%
*
30%
*
30%
*
FEP Blue Basic®
$50
$500
per day per facility
$500
per day per facility
$500
per day; up to
$3,500
per admission
$250
per day per facility1
$150
per surgeon in an office1
$200 per surgeon in other settings1
$200 per surgeon in other settings1
FEP Blue Standard®
$30
$0
within 72 hours
15%
*
$600
per admission
15%
*
15%
*
Urgent care centers
ER
(Accidental injury)
ER
(Medical emergency)
Inpatient admission
(Services where you stay overnight)
Outpatient care
(Services done within a day)
(Services done within a day)
Surgeons
FEP Blue Focus®
$25
copay
$0
within 72 hours
30%
coinsurance
*
30%
coinsurance for inpatient care
*
(precertification is required)
30%
coinsurance for outpatient
care*
care*
30%
coinsurance
*
FEP Blue Basic®
$50
copay
$425
copay per day per facility
$425
copay per day per facility
$425
per day copay for inpatient care; up to
$2,975
per admission (precertification is required)
$250
copay for outpatient care per day per facility1
$150
copay per surgeon in an
office1
$200 copay per surgeon in other settings1
office1
$200 copay per surgeon in other settings1
FEP Blue Standard®
Accidental Injury:
$0
Medical Emergency: $30 copay
Medical Emergency: $30 copay
$0
within 72 hours
15%
coinsurance
*
$350
per admission copay for inpatient care (precertification is required)
15%
coinsurance for outpatient
care*
care*
15%
coinsurance
*
Other medical and dental services
Chiropractic care
Acupuncture care
Routine dental care
FEP Blue Focus®
$25
for up to 10 total visits per
year2,4
year2,4
Not a benefit
FEP Blue Basic®
$20
for kids under 18 and
$35 for adults for up to 20 visits per year
$35 for adults for up to 20 visits per year
$20
for kids under 18 and
$35 for adults for up to 12 visits per year1
$35 for adults for up to 12 visits per year1
$35
per evaluation; up to 2 evaluations per year
FEP Blue Standard®
$30
for up to 12 total visits per year
15%
for up to 24 total visits per
year *
year *
See 2027 FEP Blue Standard and FEP Blue Basic brochure
Chiropractic care
Acupuncture care
Dental care
FEP Blue Focus®
$25
for up to 10 visits per year
2,5
Not a benefit
FEP Blue Basic®
$35
for up to 20 visits a year
$35
for up to 12 visits a year
$35
per evaluation; up to 2 evaluations per year
FEP Blue Standard®
$30
for up to 12 visits a year
15%
for up to 24 visits a year
See 2026 FEP Blue Standard and FEP Blue Basic brochure