UnitedHealthcare Insurance Company, Inc. - Choice Plus Primary Postal West, High: 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 KEA | $99.26 gov $297.77 | $215.06 | $215.06 | +$11.88 biweekly (+13.6%) | $2,581 |
| Self Plus One code KEC | $213.40 gov $640.22 | $462.38 | $462.38 | +$25.52 biweekly (+13.6%) | $5,548 |
| Self and Family code KEB | $234.74 gov $704.23 | $508.61 | $508.61 | +$28.08 biweekly (+13.6%) | $6,103 |
Traditional, HMO/POS network. Offered in Arizona (6 counties); Nevada (statewide); Oregon (statewide); Washington (statewide). A regional plan: open to anyone eligible for PSHB who lives in its service area (some plans also take people who work there). The county list is on the comparison page. 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 | $750 out of network $3,000 | $1,500 out of network $6,000 | $1,500 out of network $6,000 |
| Out-of-pocket maximum | $7,350 out of network $15,000 | $14,700 out of network $30,000 | $14,700 out of network $30,000 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | Member Pays All Charges |
| Primary care visit | Member Pays Nothing | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Specialist visit | $60 Copayment | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Urgent care | $60 Copayment | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Emergency room | 25% Coinsurance | 25% Coinsurance |
| Labs and X-rays | 25% Coinsurance | Member Pays All Charges |
| CT, MRI, PET | 25% Coinsurance | Member Pays All Charges |
| Hospital stay, per admission | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Hospital room | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Surgeon, inpatient | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Outpatient surgery | 25% Coinsurance Ambulatory Center - 25% after deductible; Hospital based center - 25% after deductible plus $250 per occurrence deductible | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Mental health, office | Member Pays Nothing Office Visit | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Mental health, inpatient | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Physical therapy | 25% Coinsurance Limited to 60 Visits Per Calendar Year Combined With Occupational Therapy | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Chiropractic | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Acupuncture | 25% Coinsurance | 40% Coinsurance +Difference Between Plan Allowance and Billed Amount |
| Maternity care | 25% Coinsurance $0 PCP Visit; $60 Specialist Visit | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Maternity hospital stay | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Infertility diagnosis and treatment | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| IVF and assisted reproduction | 50% Coinsurance | 50% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Hearing aids | Covered | Covered |
| Durable medical equipment | 25% Coinsurance | Member Pays All Charges |
| Home health | 25% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount |
| Adult dental exams | Covered | Covered |
| Children's dental exams | Covered | Covered |
| Routine eye exam | Covered | Covered |
| Eyeglasses | Not Covered | Not Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | Generic - $15 Copayment | Generic - Not applicable |
| Tier 2 | Preferred Brand - $60 Copayment | Preferred Brand - Not applicable |
| Tier 3 | Non-Preferred Brand - $150 Copayment | Non-Preferred Brand - Not applicable |
| Tier 4 | Non-Preferred Drugs - $300 Copayment | Non-Preferred Drugs - Not applicable |
| Mail order | Yes | Yes |
| Prescription out-of-pocket maximum, Self | $7,350 Prescription (Rx) copays count toward the plan catastrophic protection out-of-pocket maximum | Not listed |
| Prescription out-of-pocket maximum, family | $14,700 Prescription (Rx) copays count toward the plan catastrophic protection out-of-pocket maximum | Not listed |
| WITH MEDICARE | ||
| Part B premium reimbursement (Medicare Advantage option) | $1,800 | Not listed |
| 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 | Not applicable | Not applicable |
| Out-of-pocket maximum with Parts A and B | $7,350 | $15,000 |
| Primary care with Parts A and B | Member Pays Nothing | 40% Coinsurance +Difference Between Plan Allowance and Billed Amount |
| Specialist with Parts A and B | $60 Copayment | 40% Coinsurance +Difference Between Plan Allowance and Billed Amount |
| Hospital stay with Parts A and B | 25% Coinsurance | 40% Coinsurance +Difference Between Plan Allowance and Billed Amount |
| Part B reimbursement with Parts A and B | Not applicable | Not applicable |
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
UnitedHealthcare Insurance Company, Inc. - Choice Plus Primary Postal West plan site · Summary of Benefits and Coverage · Brochure RI 73-932 (the official statement of benefits) · Every PSHB brochure · OPM premiums · What this brochure says about GLP-1 drugs · (877) 835-9861
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.
