FEP Blue Standard® for PSHB

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

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.

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2026 FEP Blue Standard for PSHB Rates


Enrollment Code	Bi-weekly	Monthly
Self Only (33D)	$190.10	$411.89
Self + 1 (33F)	$424.42	$919.58
Self & Family (33E)	$479.21	$1,038.29

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.

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FEP Blue Standard for PSHB Benefits

See costs for typical services when you use Preferred providers.


	In-Network (PPO benefit) - You pay:	Out-of-Network (Non-PPO benefit)* - You pay:
Virtual doctor visits by Teladoc Health^®	$0 copay	N/A
Preventive Care	$0 copay for covered preventive screenings, immunizations and services	35% coinsurance^†
Physician and Mental Health Care	$30 copay for primary care $40 copay for specialists $30 copay for mental health visits	35% coinsurance^†
Urgent Care Center	Accidental Injury: $0 Medical Emergency: $30 copay	Accidental Injury: $0 Medical Emergency: 35% coinsurance^†
Chiropractic Care	$30 copay per treatment; up to 12 visits a year	35% coinsurance^†; up to 12 visits a year
Prescription Drugs	Retail Pharmacy^{^}: Generics: $7.50 copay Preferred brand: 30% coinsurance Non-preferred brand: 50% coinsurance Preferred specialty: 30% coinsurance Non-preferred specialty: 30% coinsurance Mail Service Pharmacy: Generics: $15 copay Preferred brand: $140 copay Non-preferred brand: $175 copay Specialty Pharmacy^{^}²: Preferred specialty: $100 copay Non-preferred specialty: $135 copay	Retail Pharmacy: 45% coinsurance Mail Service Pharmacy: Not covered Specialty Pharmacy: Not covered
Maternity Care	$0 copay	Pre-/postnatal professional care: 35% coinsurance^† Inpatient hospital: $450 per admission copay for unlimited days, plus 35% coinsurance Outpatient facility care: 35% coinsurance^†
Hospital Care	15% coinsurance for outpatient care^† $350 per admission copay for inpatient care (precertificiation is required)	35% coinsurance for outpatient care^† $450 per admission copay plus 35% coinsurance for inpatient care (precertificiation is required)
Surgery	15% coinsurance^†	35% coinsurance^†
ER (accidental injury)	$0 within 72 hours	Nothing for covered services
ER (medical emergency)	15% coinsurance^†	15% coinsurance^†
Lab work (such as blood tests)	15% coinsurance^†	35% coinsurance^†
Diagnostic services (such as sleep studies, X-rays, CT scans)	15% coinsurance^†	35% coinsurance^†
Dental Care	See 2026 FEP Blue Standard and FEP Blue Basic PSHB brochure	35% coinsurance^†
Rewards Program	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: $350 Self + One and Self & Family: $700	Self Only: $350 Self + One and Self & Family: $700
Annual Medical Out-of-Pocket Maximum (PPO)	Self Only: $6,000 Self + One and Self & Family: $12,000	Self Only: $8,000⁴ Self + One and Self & Family: $16,000⁴

Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).

^* If you use a Non-preferred provider under FEP Blue Standard, you generally pay any difference between coinsurance and the billed amount, in addition to any share of coinsurance shown in the table above. Certain out-of-pocket costs do not apply if Medicare is your primary coverage for medical services (it pays first).
^† Subject to the calendar year deductible: $350 per person or $700 in total for Self + One or Self & Family contracts.
^{^} What you’ll pay for a 30-day supply of covered drugs.
¹ If you have Medicare Part B primary, your costs for prescription drugs may be lower.
² On limited occasions, such as for certain drugs that require prior approval, you will need to file a claim for services received from Preferred providers.
³ You must be the contract holder or spouse, 18 or older, on a FEP Blue Standard or FEP Blue Basic to earn this reward.
⁴ Eligible expenses for the services of Preferred (In-Network) providers also count toward these limits.
⁵ 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.

Easily submit out-of-network claims online

Looking for an accessible way to submit out-of-network claims? As an FEP Blue Standard member, you can submit domestic claims online at any time.

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FEP Blue Standard 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 Standard with MPDP
FEP Medicare Prescription Drug Program Out-of-Pocket Maximum	$2,100 per member This is a dummy text used to reduce the column size. Visit the Medicare page for more information.
Retail Pharmacy^{^}	Generics: $5 copay Preferred brand: $35 copay Non-preferred brand: 50% coinsurance Specialty drugs: $60 copay
FEP Mail Service Pharmacy	Generics: $5 copay Preferred brand: $85 copay Non-preferred brand: $125 copay Specialty drugs: $150 copay

^{^} 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

With our Prescription Drug Cost Tool, you can check drug costs 24/7. 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.

Check Drug Costs See Personalized Costs

Get prescriptions delivered right to your door

All FEP Blue Standard members get access to our Mail Service Pharmacy Program. It’s a convenient way to get any prescription drugs you take regularly sent to your home. You can use your MyBlue® account to access the Mail Service Pharmacy and place mail order prescriptions.

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Sign up for MyBlue

To get the most out of your coverage, create a MyBlue account.

Download the fepblue app

Get our free app to access your benefits on the go.

Looking for more coverage?

We also offer comprehensive dental and vision plans.