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FEP Blue Basic® for PSHB

This plan is a great choice for families who want a flexible plan and are okay with paying a bit more monthly. Here's what you need to know about FEP Blue Basic 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 healthcare 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.

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This plan is best for people who:

  • Don't want a deductible
  • Need broader prescription coverage
  • See providers for more than 10 visits/year per member
  • Need chronic condition care

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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.

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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 FEP Blue Basic for PSHB Rates

 
Enrollment Code Bi-weekly Monthly
Self Only (33A) $139.94 $303.20
Self + 1 (33C) $340.28 $737.27
Self & Family (33B) $385.46 $835.16

2026 FEP Blue Basic for PSHB Rates

 
Enrollment Code Bi-weekly Monthly
Self Only (33A) $127.59 $276.45
Self + 1 (33C) $313.84 $679.99
Self & Family (33B) $357.52 $774.62

Get up to $800 back with a Medicare Reimbursement Account

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FEP Blue Basic for PSHB Benefits

See costs for typical services when you use Preferred providers.

FEP Blue Basic for PSHB
Preventive care $0 $425 per day copay for inpatient care; up to $2,975 per admission (precertification is required)
Virtual doctor visits through Teladoc Health® $0
Primary care doctor & mental health visits $20 for kids under 18
$35 for adults1
Specialists $501
Urgent care centers $50
Chiropractic care $20 for kids under 18 and

$35 for adults for up to 20 total visits per year
Acupuncture care $20 for kids under 18 and

$35 for adults for up to 12 total visits per year1
Prescription drugs Retail Pharmacy:

Generics: $15
Preferred brand: 35%; up to $250
Non-preferred brand: 60%; up to $550
Preferred specialty: 35%; up to $450
Non-preferred specialty: 40%; up to $550

Specialty Pharmacy:

Preferred specialty: 35%; up to $450
Non-preferred specialty: 40%; up to $550
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 doctor’s visits
$0 for delivery at Blue Distinction Centers
$500 for delivery at all other facilities
Inpatient admission
(Services where you stay overnight) 		$500 per day; up to $3,500 per admission
Outpatient care
(Services done within a day) 		$250 per day per facility1
Surgeons $150 per surgeon in an office1
$200 per surgeon in other settings1
ER
(Accidental injury) 		$500 per day per facility
ER
(Medical emergency) 		$500 per day per facility
Lab work
(Such as blood tests) 		15%1
Diagnostic services
(Such as sleep studies, X-rays, CT scans) 		$100 in an office1
$250 in a hospital1
Annual deductible No deductible
Out-of-pocket maximum Self Only: $8,500
Self + One and Self & Family: $17,000

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

1You pay 35% 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.

FEP Blue Basic for PSHB Benefits

See costs for typical services when you use Preferred providers.

FEP Blue Basic
Virtual doctor visits by Teladoc Health® $0 copay
Preventive Care $0 copay for covered preventive screenings, immunizations and services
Physician and Mental Health Care

$35 copay for primary care1

$50 copay for specialist1

$35 copay for mental health visits
Urgent Care Center $50 copay
Chiropractic Care $35 copay per treatment; up to 20 visits per year
Prescription Drugs

Retail Pharmacy^:

Generics: $15 copay

Preferred brand: 35% coinsurance

Non-preferred brand: 60% coinsurance 

Preferred specialty: 35% coinsurance

Non-preferred specialty: 35% coinsurance 

Available to members with Medicare Part B primary only. Visit the Medicare page for more information. 

Specialty Pharmacy: 

Preferred specialty: 35% coinsurance

Non-preferred specialty: 35% coinsurance
Maternity Care

$0 for doctor's visits

$0 for delivery at a Blue Distinction Center

$425 for delivery at all other facilities
Hospital Care

 

$250 copay for outpatient care per day per facility1

$425 per day copay for inpatient care; up to $2,975 per admission (precertification is required)
Surgery

$150 copay in an office setting1

$200 copay in a non-office setting1

ER (accidental injury) $425 copay per day per facility
ER (medical emergency) $425 copay per day per facility
Lab work (such as blood tests) 15% coinsurance1
Diagnostic services
(such as sleep studies, X-rays, CT scans)

Up to $100 copay in an office1

Up to $250 copay in a hospital1

Dental Care $35 copay per evaluation; up to 2 per year
Rewards Program

Earn $50 for completing the Blue Health Assessment3

Earn up to $120 for completing three eligible Daily Habits goals3

Annual Deductible No deductible
Out-of-Pocket Maximum (PPO)

Self Only: $7,500

Self + One and Self & Family: $15,000

Under FEP Blue Basic, 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 Under FEP Blue Basic you pay 35% coinsurance for agents, drugs and/or supplies you receive during your care.
  • 2 If you have Medicare Part B primary, your costs for prescription drugs may be lower.
  • 3 You must be the contract holder or spouse, 18 or older, on FEP Blue Standard or FEP Blue Basic to earn this reward.
  • 4 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 Basic 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 Basic 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: $10
Tier 2: $45
Tier 3: 50% up to $100
Tier 4: $75
FEP Mail Service Pharmacy
(For a 90-day supply) 		Tier 1: $15
Tier 2: $95
Tier 3: $175
Tier 4: $200
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 Basic 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 Basic with MPDP
FEP Medicare Prescription Drug
Program Out-of-Pocket Maximum 		$2,100 per member

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Retail Pharmacy^

Generics: $10 copay

Preferred brand: $45 copay

Non-preferred brand: 50% coinsurance 

Specialty drugs: $75 copay
FEP Mail Service Pharmacy

Generics: $15 copay

Preferred brand: $95 copay

Non-preferred brand: $125 copay

Specialty drugs: $150 copay
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.

 

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