Blue Cross Blue Shield Service Benefit Plan, Standard Option: 2027 PSHB premiums and benefits
Federal Benefits Open Season for plan year 2027 runs November 9 to December 14, 2026.
* Three PSHB options end after 2026: GEHA High, MHBP Consumer, and UnitedHealthcare Postal East. If you are in one, choose a plan by December 14. See what ends| Enrollment | Employee, biweekly | Employee, monthly | Annuitant, monthly | Change in your share vs 2026 | Employee, per year (26 periods) |
|---|---|---|---|---|---|
| Self Only code 33D | $196.30 gov $318.23 | $425.32 | $425.32 | +$6.20 biweekly (+3.3%) | $5,104 |
| Self Plus One code 33F | $435.86 gov $689.34 | $944.36 | $944.36 | +$11.44 biweekly (+2.7%) | $11,332 |
| Self and Family code 33E | $490.62 gov $748.55 | $1,063.01 | $1,063.01 | +$11.41 biweekly (+2.4%) | $12,756 |
Traditional, PPO network. Offered nationwide. Open to everyone eligible for PSHB. Source. The government share is the lesser of 72% of the PSHB program-wide average premium or 75% of this plan's premium (OPM). Employee figures are OPM's rate for active postal employees; USPS non-career employees and some union contracts differ.
Educational information only; StandWatch is not acting for OPM or the Postal Service, and the brochure and the HR Shared Service Center are the final authority. Same code and assumptions as the comparison page: worst year is exact (premiums plus the in-network out-of-pocket maximum, minus an HSA deposit); the other three are estimates under stated usage profiles, each labeled copays only, has coinsurance, or not priced.
Deductibles and limits
| Self Only | Self Plus One | Self and Family | |
|---|---|---|---|
| Deductible | $500 out of network $500 | $1,000 out of network $1,000 | $1,000 out of network $1,000 |
| Out-of-pocket maximum | $7,000 out of network $9,000 | $14,000 out of network $18,000 | $14,000 out of network $18,000 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing No deductible. | 35% Coinsurance Plus deductible and any difference between our allowance and the billed amount. |
| Primary care visit | $30 Copayment No deductible. | 35% Coinsurance Plus deductible and any difference between our allowance and the billed amount. |
| Specialist visit | $40 Copayment No deductible. | 35% Coinsurance Plus deductible and any difference between our allowance and the billed amount. |
| Urgent care | $30 Copayment No Deductible. No cost when related to an accidental injury care received w/in 72 hours. | 35% Coinsurance + ded, + any difference between our allowance and the billed amount unless NSA protections apply. |
| Emergency room | 15% Coinsurance Deductible applies. No cost when related to an accidental injury care received w/in 72 hours. | 15% Coinsurance Deductible Applies, no cost when related to an accidental injury care received w/in 72 hours. |
| Labs and X-rays | 15% Coinsurance Deductible applies. | 35% Coinsurance Deductible applies, plus any difference between our allowance and the billed amount. |
| CT, MRI, PET | 15% Coinsurance Deductible applies, some services require prior approval. | 35% Coinsurance Deductible applies, plus any difference between our allowance and the billed amount. |
| Hospital stay, per admission | $600 Copayment Per admission, no deductible, precertification required. | $450 Copayment Per admission + 35% of the Plan allowance, no deductible, any balance after we pay, precert req. |
| Hospital room | Member Pays Nothing These costs are included in the hospital inpatient cost per admission copayment. | Member Pays Nothing These costs are included in the hospital inpatient cost per admission copayment. |
| Surgeon, inpatient | 15% Coinsurance Deductible applies. Prior approval required for some surgical services. See brochure. | 35% Coinsurance Deductible applies, plus any difference between our allowance and the billed amount. |
| Outpatient surgery | 15% Coinsurance Deductible applies. | 35% Coinsurance Deductible applies, plus any difference between our allowance and the billed amount. |
| Mental health, office | $30 Copayment | 35% Coinsurance Deductible applies. Plus any difference between the allowance and the billed amount. |
| Mental health, inpatient | $600 Copayment Precertification required | 35% Coinsurance Plus any remaining balance after our payment. Precertification required. |
| Physical therapy | $30 Copayment ($40 for a specialist, limited to 75 combined visits with occupational and speech therapies.) | 35% Coinsurance Deductible applies. Limited to 75 visits per person, per calendar year for PT/OT/ST, or a combination of all three. |
| Chiropractic | $30 Copayment Limited to 12 visits per year. | 35% Coinsurance Deductible applies. Plus any difference between the allowance and billed amount. Limited to 12/year. |
| Acupuncture | 15% Coinsurance Deductible applies. 24 visits per calendar year. | 35% Coinsurance Deductible applies. Plus any difference between the allowance and the billed amount. 24 visits per calendar year |
| Maternity care | Member Pays Nothing | 35% Coinsurance Plus deductible and any difference between the allowance and the billed amount. |
| Maternity hospital stay | Member Pays Nothing | $450 Copayment Plus 35% of the allowance and any remaining balance after our payment. |
| Infertility diagnosis and treatment | 15% Coinsurance Deductible applies. | 35% Coinsurance Plus deductible and any difference between the allowance and the billed amount. |
| IVF and assisted reproduction | 15% Coinsurance Deductible applies. Limited to $25,000 per person per year. | 35% Coinsurance Plus deductible and any difference between the allowance and the billed amount. Limited to $25,000. |
| Hearing aids | Covered 1 every 5 years for adults; yearly for children under the age of 22. You pay any amount over $2500. | Covered 1 every 5 years for adults; yearly for children under the age of 22. You pay any amount over $2500. |
| Durable medical equipment | 15% Coinsurance Deductible applies. | 35% Coinsurance Deductible applies. Plus any difference between the allowance and the billed amount. |
| Home health | 15% Coinsurance Deductible applies. Limited to 50 visits per person per calendar year for 2 hours per day. | 35% Coinsurance Deductible applies. Plus any difference between the allowance and the billed amount. |
| Adult dental exams | Covered You pay the difference between our payment and Maximum Allowable Charge. | Covered You pay all charges in excess of our scheduled amounts listed in the brochure. |
| Children's dental exams | Covered You pay the difference between our payment and Maximum Allowable Charge. | Covered You pay all charges in excess of our scheduled amounts listed in the brochure. |
| Routine eye exam | Not Covered | Not Covered |
| Eyeglasses | Not Covered Routine eyeglasses not covered. See brochure for limited coverage. | Not Covered Routine eyeglasses not covered. See brochure for limited coverage. |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | Generic - $7.50 Copayment | Generic - Not applicable |
| Tier 2 | Preferred Brand - 30% Coinsurance | Preferred Brand - Not applicable |
| Tier 3 | Non-Preferred Brand - 50% Coinsurance | Non-Preferred Brand - Not applicable |
| Tier 4 | Preferred Specialty Tier - 30% Coinsurance | Preferred Specialty Tier - Not applicable |
| Mail order | No | No |
| Prescription out-of-pocket maximum, Self | None | Not listed |
| Prescription out-of-pocket maximum, family | None | Not listed |
| WITH MEDICARE | ||
| Part B premium reimbursement (prescription drug plan) | None | Not listed |
| Part D drug plan: most you pay in a year | $2,400 | Not listed |
| Deductible with Parts A and B | Deductible waived | Deductible waived |
| Out-of-pocket maximum with Parts A and B | $7,000 $7,000 Self; $14,000 Self +One; Self and Family | $9,000 $9,000 Self; $18,000 Self + One, Self and Family |
| Primary care with Parts A and B | Member Pays Nothing | Member Pays Nothing |
| Specialist with Parts A and B | Member Pays Nothing | Member Pays Nothing |
| Hospital stay with Parts A and B | Member Pays Nothing | Member Pays Nothing |
| Part B reimbursement with Parts A and B | No | No |
OPM's summary of the plan's cost sharing. The small print under a figure is OPM's own wording and usually carries the real terms: per-day charges, caps, and whether the deductible applies. The brochure is the official statement of benefits.
Official pages
Blue Cross Blue Shield Service Benefit Plan plan site · Summary of Benefits and Coverage · Brochure RI 71-020 (the official statement of benefits) · Every PSHB brochure · OPM premiums · What this brochure says about GLP-1 drugs · (312) 297-6000
Before you enroll
Not the official statement of benefits. This plan's brochure is the only contractual statement of what it covers, excludes, and limits. Where this page and the brochure disagree, the brochure governs. Read it before you enroll.
Estimates, under published assumptions. Premiums, deductibles, and out-of-pocket maximums are OPM's figures. The year-cost figures are estimates under the usage profiles and assumed charges published on the comparison page, labeled exact, copays only, has coinsurance, or not priced. They are not predictions of what you will spend.
What the model leaves out. Out-of-network care and balance billing, whether your own doctors take this plan, whether your medications are on its formulary and at which tier, referral and prior-authorization rules, mail-order and specialty pharmacy pricing, FEDVIP dental and vision, and Medicare coordination at 65 beyond the rows shown. Postal Service employees and annuitants are in a separate program and are not covered.
No affiliation. StandWatch is not affiliated with, endorsed by, or acting for the U.S. Postal Service, the Office of Personnel Management, or any federal agency. The plan data is OPM's; the arrangement is ours. StandWatch is not a health plan, a broker, or an insurer, and nothing here is a recommendation to select, keep, or drop any plan, or medical, insurance, financial, tax, or legal advice. The full educational-purpose statement.
Source: OPM PSHB Public Use Files, plan year 2027 (rates, plan key, plan benefits, service area), and the OPM PSHB premium charts for the change from 2026.
