Manage your High Option postal health plan
With low copays and low deductibles, the High Option is a premier plan in the Postal Service Health Benefits (PSHB) Program.
Access High Option tools, resources, and benefit details
Prescription coverage
Express Scripts manages your pharmacy benefits and offers home delivery.
Health management programs
Protect your well-being and live a healthier life, usually with no out-of-pocket costs.
Benefits & coverage
Your plan covers preventive care, medical visits, dental care, mental health, and more.
Lower your out-of-pocket costs by staying in the network
The Plan deductible is a fixed amount you must pay for covered healthcare expenses before your plan starts paying.
| High Option 2025 | ||||
|---|---|---|---|---|
|
Calendar year deductible Self Self Plus One / Self & Family |
In-network $450 $800 |
Out-of-network
$1,000 $2,000 |
||
|
Annual out-of-pocket maximum Combined medical and prescription drugs |
In-network $6,500 Self $13,000 Self Plus One / Self & Family |
Out-of-network
$12,000 Self $24,000 Self Plus One / Self & Family |
||
For some services, you'll have a copay or coinsurance
Copayments and coinsurance amounts do not count toward your deductible.
| Service | In-network (PPO) you pay |
|---|---|
| Office and specialist visits for medical, mental health, and substance use | $25 copay (no deductible applied) |
| Virtual Visits with Teladoc | $0 copay for first 2 visits $10 copay (no deductible applied) |
| Routine dental | 30% of Plan allowance |
| Urgent care | $30 copay |
| Ambulance | 15% of Plan allowance |
| Physical therapy | 15% of Plan allowance (60 visits per year) |
| Chiropractic care | $25 copay (24 visits per year) |
| Acupuncture | $25 copay (24 visits per year) |
Download and access Health Plan resources
