Our Postal Service Health Benefits Plan Options
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High Option
Plan Features
- $0 copay for telehealth – always
- Lowest copays
- Most out of pocket costs are copays
- $0 deductible
- Care while traveling wherever you go
Best option if you
- Anticipate frequent care visits
- Want predictable and low out-of-pocket costs
Standard Option
Plan Features
- $0 copay for telehealth – always
- Lower premium than High Option
- Most out of pocket costs are co-pays
- $100 deductible
- Care while traveling wherever you go
Best option if you
- Want a lower premium and predictable out-of-pocket costs
Prosper
Plan Features
- $0 copay for telehealth — always
- Our lowest premium option
- Low copays for office visits
- $500 deductible
- Care while traveling wherever you go
Best option if you
- Are in good overall health
- Want to pay the lowest premiums
2025 PSHB Plan Rates
High Option
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self only (TBA) |
$190.77 | $413.34 |
| Self + 1 (TBC) |
$519.91 | $1,126.47 |
| Self & Family (TBB) |
$465.36 | $1,008.28 |
Standard Option
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self only (TBD) |
$98.30 | $212.99 |
| Self + 1 (TBF) |
$281.10 | $609.05 |
| Self & Family (TBE) |
$226.55 | $490.86 |
Prosper
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self only (UDA) |
$79.27 | $171.75 |
| Self + 1 (UDC) |
$185.49 | $401.89 |
| Self & Family (UDB) |
$185.49 | $401.89 |
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 employing agency or retirement office that maintains your health benefits enrollment.
2025 Summary of Benefits
| High Option | Standard Option | Prosper | |
|---|---|---|---|
| Deductible | None | $100 | $500 |
| 2025 Benefits and Services | |||
| Outpatient services | |||
| Preventive care | $0 | $0 | $0 |
| Telehealth | $0 | $0 | $0 |
| Primary care office visit | $15 | $30 | $25 |
| Specialty care office visit | $25 | $40 | $35 |
| Laboratory tests | $0 | $101 | 20%1 |
| X-rays | $0 | $101 | 20%1 |
| Chiropractic services – 20 visits per year | $15 | $15 | $15 |
| Maternity | |||
| Routine prenatal care and postpartum visit | $0 | $0 | $0 |
| Delivery | $250 | $5001 | 20%1 |
| Birthing Doula2 | $0 | $0 | $0 |
| Hospital services | |||
| Outpatient surgery | $50 | $2001 | 20%1 |
| Inpatient hospital | $250 | $5001 | 20%1 |
| Emergency and urgent care | |||
| Urgent care | $15 | $30 | $25 |
| Emergency care | $100 | $1501 | 20%1 |
| Ambulance | $50 | $1501 | 20%1 |
| Prescription drugs | |||
| Generic | $10 | $15 | $15 |
| Brand | $40 | $50 | $60 |
| Specialty | $100 | $150 | $200 |
| Out-of-pocket maximum | $2,000 | $3,000 | $5,500 |
1Deductible applies.
2One initial visit and up to 8 visits in any combination of prenatal and postpartum visits. Up to two additional postpartum visits may be available.
Notes:
- Deductible and out-of-pocket maximum amounts are per person, but no more than 2 times per family.
- Coinsurance (%) is based on our allowance.
- Telehealth options include video, phone, email and more.
- Prescription drug copayments are for a 30-day supply at Kaiser Permanente pharmacies. You pay only 2 copays for up to a 100-day supply for most drugs through Kaiser Permanente’s mail-order program.
This is a summary of the features of the Kaiser Permanente – Northern California PSHB plan. Before making a final decision, please read the Plan’s brochure (RI 73-921). All benefits are subject to the definitions, limitations, and exclusions set forth in the brochure.
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