PSHB 2025

Overview

2025 Postal Service Health Benefits (PSHB) Program

PSHB Open Season Extended

The 2024 PSHB Open Season has been extended to Friday, December 13th at 11:59 pm EST giving USPS employees and annuitants more time to change their plan elections if they want to.

The extension through December 13 for PSHB will not cause delays in eligibility or PSHB coverage, which is effective January 1, 2025.

For more information, visit www.opm.gov/healthcare-insurance/pshb or call the PSHB Helpline at 844-451-1261 with regular operating hours Monday-Friday 7:00am-8:45pm ET.

Only Postal Employees and Annuitants may enroll in this plan. Click here to view TakeCare’s PSHB Plan Brochure for 2025.

You’ve got choices with TakeCare

Thank you for considering TakeCare for your health care needs. At TakeCare, we are committed to giving you choices while delivering quality and affordable health care benefits and services that’s focused on you and your family needs.

If you have questions about which TakeCare medical plan might be right for you, answering the following can help you choose a plan that might be the best fit.

What type of coverage will you need? See the benefit summaries below.
Is cost an important consideration? We have a plan that’s only $16.12/paycheck for Self Only coverage. See our HDHP Option info below.
Will you need in-network or out-of-network coverage? Check our Provider Search Tool to see if your doctor, dentist, or preferred facility is included in our extensive network, on or off island.
Are you taking any prescription drugs? Use our Rx Search Tool to see what you'll pay based on your TakeCare medical plan choice, benefit tier, and prescription dosage.
Looking to better manage your health? Click here to learn more about our extensive list of free wellness and health education classes
Interested in earning money by completing recommended health screenings, making health improvements, exercising regularly? Click here for details. Or, a free membership to a choice of 23 different gyms? Click here
Looking to better manage your health? Click here to learn more about our extensive list of free wellness and health education classes
Interested in earning money by completing recommended health screenings, making health improvements, exercising regularly? Click here for details. Or, a free membership to a choice of 23 different gyms? Click here

Auto-Enrollment

You should have received a letter from USPS prior to Open Season that provides information regarding the PSHB plan you’ll automatically be enrolled in for 2025, based on your current FEHB enrollment. If you are currently enrolled in a FEHB plan not participating in PSHB for 2025, you will be automatically enrolled in the PSHB nationwide plan option called Blue Cross Blue Shield Service Benefit Plan FEP Blue Focus beginning January 1, 2025.

You can make changes to your plan enrollment during the PSHB Open Season. Enrollees are encouraged to review all available plans to choose a plan that best fits their needs. If you don’t make any changes, your PSHB coverage for 2025 will be with the plan in which you were automatically enrolled.

If you need help enrollment help, please contact the PSHB Helpline at 844-451-1261, open 7am -8:45pm ET, Monday – Friday, or contact us at (671) 647-3526, customerservice@takecareasia.com

Request for a 2025 PSHB Benefit Packet

Click here to request a TakeCare information packet including the 2025 brochure.

Need a new or replacement TakeCare ID Card?

Request for a new or replacement TakeCare Member ID card(s) at https://bit.ly/3ZG7CcI
Or, consider displaying your ID card on your mobile device using TakeCare’s mobile app. Learn more at https://bit.ly/3AdZmXm

TakeCare’s In-Person Briefings/ Activities

Postal Facility Briefings - check with facility management or postmaster for the date(s) cheduled for your onsite agency briefing

Virtual Live Briefings

Get your TakeCare-specific questions answered through conveniently scheduled virtual presentation sessions throughout the open enrollment period.

Attend any of the sessions to be conducted via Microsoft Teams every Thursday at 6:00pm-7:00pm ChST, beginning Nov 14 through Dec 5 (except for Thanksgiving, Nov 28).

Click here to join the Thursday meetings

Health Fairs

TakeCare will be hosting two health fairs during Open Season, the first on November 9, the second on November 30. Both will be held at the Micronesia Mall, Ground Floor Concourse 3 from 11am – 5pm. A PSHB Information Table will be available to you at these health fairs.

Other Information Opportunities

Prefer to get your questions answered in person or want to pick up an information packet

Our customer service offices are open in Tamuning and Garapan. For your safety and convenience, in-person visits by appointment is the preference but walk-ins are welcome.

During open season, hours of operation are 8am to 5pm, Mondays – Fridays. The first hour (8am-9am) being reserved for manamko’ and those persons with disabilities.

To make an appointment in Tamuning, call us at (671) 647-3526 or via email at customerservice@takecareasia.com. For Garapan, call us at (670) 235-0994.

Or click here to ask us a question or request for more information using an online form. We’ll respond within 24 hrs.

Lower Rates, Comprehensive Benefits!

TakeCare’s 2025 PSHB High Option rates are 6% lower than its 2024 FEHB High Option rates, Standard Option rates are 11% lower, and HDHP Option rates are 10% lower!

HDHP Option	Enroll Codes	Your Premium Rate Share
		Biweekly	Monthly
Self Only	HJA	$16.12	$34.92
Self Plus One	HJC	$38.91	$84.30
Self & Family	HJB	$43.21	$93.62
Standard Option
Self Only	G4D	$47.46	$102.82
Self Plus One	G4F	$95.09	$206.03
Self & Family	G4E	$156.63	$339.37
High Option
Self Only	G4A	$65.79	$142.55
Self Plus One	G4C	$131.54	$285.00
Self & Family	G4B	$189.16	$409.84

2025 PSHB Benefit Plans

The TakeCare Summary of Benefits and Coverage (SBC) for each of its 2025 PSHB Plan Options and Uniform Glossary are available through the following links: