Skip to main content

FEP Blue Standard® for PSHB

This plan is best for growing families or anyone who wants the broadest coverage with the flexibility to see both in and out-of-network doctors. 

Enroll Now

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

Out-of-network care
Comprehensive family planning benefits including free maternal health coverage and up to $25,000 annually in IVF benefits
FEP Mail Service Pharmacy and largest approved drug list

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 Standard and FEP Blue Basic 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.

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

2025 FEP Blue Standard for PSHB Rates

 
Enrollment Code Bi-weekly Monthly
Self Only (33D) $174.13 $377.28
Self + 1 (33F) $388.04 $840.75
Self & Family (33E) $435.43 $943.43

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 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 Assessment3

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

Earn $50 for completing the Blue Health Assessment3

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

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 copay1

Preferred brand: 30% coinsurance

Non-preferred brand: 50% coinsurance

Preferred specialty: 30% coinsurance^

Non-preferred specialty: 30% coinsurance^

 

Mail Service Pharmacy:

Generics: $15 copay1

Preferred brand: $90 copay

Non-preferred brand: $125 copay

 

Specialty Pharmacy^2:

Preferred specialty: $65 copay

Non-preferred specialty: $85 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 2025 FEP Blue Standard and FEP Blue Basic PSHB brochure 35% coinsurance
Rewards Program

Earn $50 for completing the Blue Health Assessment3

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

Earn $50 for completing the Blue Health Assessment3

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.

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

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
$2,000 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.

Please note, while you can use the tool now, 2026 pricing information in the Personalized Drug Cost Tool will not be available until January 1, 2026.

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.

Learn More

Already a member? Get started

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.