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Standard 2026 for Postal workers

The family-friendly plan for those who want strong coverage and affordable copays

PSHB Standard plan highlights

Low deductible and predictable copays for the services families use most
100% maternity coverage for your growing family, including doula services, preconception program and maternal mental health visits with an in-network provider
Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits
Included vision discount at no additional cost⁷
Learn more about G.E.H.A and Medicare

Not a Postal employee/retiree? View the 2026 FEHB Standard page

Shopping for a 2025 plan? View the 2025 PSHB Standard page

Self Only	Self Plus One	Self and Family
Biweekly — employed	$84.77	$182.26	$225.18
Monthly — retired	$183.67	$394.90	$487.90

Pay frequency	Self Only	Self Plus One	Self and Family
	Pay frequency Biweekly — employed	Self Only $84.77	Self Plus One $182.26	Self and Family $225.18	Pay frequency Monthly — retired	Self Only $183.67	Self Plus One $394.90	Self and Family $487.90

These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the PSHB Program website or contact the agency that maintains your health benefits enrollment.

Medical benefit	You pay
	Preventive care Annual physical exam, routine screenings, immunizations and more	$0
	Primary care office visits	$20
	Mental health office visits	$20
	Specialist office visit	$35
	MinuteClinic / Urgent care facility visit	$10 / $30
	Unlimited telehealth visits, including mental health, with MDLIVE	$0
	Emergency room visit	30%¹
	Hospital care; inpatient / outpatient	15% ¹ / 15%¹
	Lab services (QuestSelect benefit)	$0
	Lab services (other than QuestSelect)	15%
	X-rays and other diagnostic services	15%^1,2
	Maternity; preventive & childbirth / delivery professional and facility services	$0
	Chiropractic care (up to 20 visits per year)	$35
	Acupuncture (up to 20 visits per year)	15%¹
	Preventive dental care, twice yearly	50%

Medical benefit	You pay
	Medical benefit Preventive care Annual physical exam, routine screenings, immunizations and more	You pay $0	Medical benefit Primary care office visits	You pay $20	Medical benefit Mental health office visits	You pay $20	Medical benefit Specialist office visit	You pay $35	Medical benefit MinuteClinic / Urgent care facility visit	You pay $10 / $30	Medical benefit Unlimited telehealth visits, including mental health, with MDLIVE	You pay $0	Medical benefit Emergency room visit	You pay 30%¹	Medical benefit Hospital care; inpatient / outpatient	You pay 15% ¹ / 15%¹	Medical benefit Lab services (QuestSelect benefit)	You pay $0	Medical benefit Lab services (other than QuestSelect)	You pay 15%	Medical benefit X-rays and other diagnostic services	You pay 15%^1,2	Medical benefit Maternity; preventive & childbirth / delivery professional and facility services	You pay $0	Medical benefit Chiropractic care (up to 20 visits per year)	You pay $35	Medical benefit Acupuncture (up to 20 visits per year)	You pay 15%¹	Medical benefit Preventive dental care, twice yearly	You pay 50%

Self Only	Self Plus One	Self and Family
Yearly deductible (in-network)	$350	$700	$700
Out-of-pocket maximum⁴ (in-network)	$6,500	$13,000	$13,000

Network benefits³	Self Only	Self Plus One	Self and Family
	Network benefits³ Yearly deductible (in-network)	Self Only $350	Self Plus One $700	Self and Family $700	Network benefits³ Out-of-pocket maximum⁴ (in-network)	Self Only $6,500	Self Plus One $13,000	Self and Family $13,000

Prescription benefits

The table below summarizes your benefits (what you pay in-network) for prescription drugs with the Standard plan. To find drug costs, use this handy check drug costs tool.

Prescriptions can be filled at a broad selection of in-network pharmacies nationwide. To find a pharmacy near you, go to caremark.com.

For details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.

Prescription benefit^3,5	In-network
	30-day retail generic	$10
	30-day retail preferred brand-name	40% ($350 max)⁶
	30-day retail non-preferred brand-name	60% ($450 max)⁶
	90-day mail service generic	$25
	90-day mail service preferred brand-name	40% ($700 max)⁶
	90-day mail service non-preferred brand-name	60% ($900 max)⁶
	30-day specialty CVS exclusive generic	50% ($350 max)
	30-day specialty CVS exclusive preferred brand-name	50% ($350 max)⁶
	30-day specialty CVS exclusive non-preferred brand name	50% ($500 max)⁶

Prescription benefit^3,5	In-network
	Prescription benefit^3,5 30-day retail generic	In-network $10	Prescription benefit^3,5 30-day retail preferred brand-name	In-network 40% ($350 max)⁶	Prescription benefit^3,5 30-day retail non-preferred brand-name	In-network 60% ($450 max)⁶	Prescription benefit^3,5 90-day mail service generic	In-network $25	Prescription benefit^3,5 90-day mail service preferred brand-name	In-network 40% ($700 max)⁶	Prescription benefit^3,5 90-day mail service non-preferred brand-name	In-network 60% ($900 max)⁶	Prescription benefit^3,5 30-day specialty CVS exclusive generic	In-network 50% ($350 max)	Prescription benefit^3,5 30-day specialty CVS exclusive preferred brand-name	In-network 50% ($350 max)⁶	Prescription benefit^3,5 30-day specialty CVS exclusive non-preferred brand name	In-network 50% ($500 max)⁶

Standard benefits that go beyond

Maternity support

Pregnancy, fertility, childbirth, mental health, breast pump discounts and more

Maternity program

Health Rewards

Get rewarded for engaging in healthy behaviors

Health Rewards

Vision discount⁷

Eye exams, frames, lenses and more

Vision discount

Ready to enroll?

Whether it’s Standard or another G.E.H.A plan you’re considering, we can help.

Enroll now

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Current G.E.H.A member needing help?

1-800-821-6136

¹ Calendar year deductible applies.

² Standard, you pay a $250 copay for advanced outpatient high tech imaging such as MRI, CT, PET, etc.

³ In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or percentage of the provider's negotiated amount.

⁴ The out-of-pocket maximum is the maximum amount of coinsurance, copays and deductibles you pay for all family members before G.E.H.A begins paying for 100% of covered services. This is a combined maximum for both medical care and prescriptions.

⁵ Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.

⁶ If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the brand-name and the generic.

⁷ These benefits are neither offered nor guaranteed under contract with the PSHB Program but are made available to all Enrollees who become members of a G.E.H.A health plan and their eligible family members

This is a brief description of the features of the G.E.H.A Standard health plan. Before making a final decision, please read the Plan's Federal brochure RI 71-021. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

We reinvest every dollar to ensure our plans and member experience are second to none.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

We're the benefits provider of choice for 2+ million federal employees, retirees and their families.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

We offer two comprehensive dental plans with the right coverage for every stage of life.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Both G.E.H.A dental plans include no in-network deductibles with over 450,000 provider locations nationwide.

Founded by Postal workers 88 years ago to protect the health and well-being of federal employees.

Our Customer Care team can be reached Monday through Friday from 8 a.m.–8 p.m. Eastern time.

Agency benefits professionals, this is your one-stop shop for Open Season support.

Standard 2026 for Postal workers

PSHB Standard plan highlights

2026 PSHB Standard rates

Costs (what you pay in-network)

Deductible and out-of-pocket maximum

Prescription benefits