FEP Blue Standard™ for PSHB
Why choose between in-network and out-of-network care? With FEP Blue Standard, you get both—access to a network with over 2 million doctors and hospitals and over 55,000 retail pharmacies, plus access to out-of-network providers.
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
In and out-of-network care
Up to $25,000 Annually for Covered Assisted Reproductive Technology (ART)*
Access to 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.
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 |
FEP Blue Standard for PSHB Benefits
See costs for typical services when you use Preferred providers.
Compare Plans| 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% of our allowance† |
| Physician and Mental Health Care |
$30 copay for primary care $40 copay for specialists $30 copay for mental health visits |
35% of our allowance† |
| Urgent Care Center |
Accidental Injury: $0 Medical Emergency: $30 copay |
Accidental Injury: $0 Medical Emergency: 35% of our allowance |
| Chiropractic Care | $30 copay per treatment; up to 12 visits a year | 35% of our allowance†; up to 12 visits a year |
| Prescription Drugs |
Retail Pharmacy^: Generics: $7.50 copay1 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 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% of our allowance
Mail Service Pharmacy: Not covered
Specialty Pharmacy: Not covered |
| Maternity Care | $0 copay |
Pre-/postnatal professional care: 35% of our allowance† Inpatient hospital: $450 per admission copay for unlimited days, plus 35% of our allowance Outpatient facility care: 35% of our allowance† |
| Hospital Care |
15% of our allowance for outpatient care $350 per admission copay for inpatient care (precertificiation is required) |
35% of our allowance for outpatient care† $450 per admission copay plus 35% of our allowance for inpatient care (precertificiation is required) |
| Surgery | 15% of our allowance† | 35% of our allowance† |
| ER (accidental injury) | $0 within 72 hours | Nothing for covered services |
| ER (medical emergency) | 15% of our allowance† | 15% of our allowance† |
| Lab work (such as blood tests) | 15% of our allowance† | 35% of our allowance† |
| Diagnostic services (such as sleep studies, X-rays, CT scans) | 15% of our allowance† | 35% of our allowance† |
| Dental Care | See 2025 FEP Blue Standard and FEP Blue Basic PSHB brochure | 35% of our allowance† |
| 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 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. The annual out-of-pocket maximum for prescription drugs is $2,000. Learn more here.
| FEP Blue StandardTM with MPDP | |
|---|---|
| Retail Pharmacy^ |
Generics: $5 copay Preferred brand: $35 copay Non-preferred brand: 50% of our allowance Specialty drugs: $60 copay |
| FEP Mail Service Pharmacy |
Generics: $5 copay Preferred brand: $85 copay Non-preferred brand: $125 copay Specialty drugs: $150 copay |
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 our allowance and the billed amount, in addition to any share of our allowance 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.
The MPDP formulary and/or pharmacy network may change at any time. You will receive notice when necessary.
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 brochure (RI 71-020). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.
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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