Overview
Welcome USPS Employees & Annuitants
TakeCare is proud to be selected as a participating carrier in the Postal Service Health Benefits (PSHB) Program for 2025
The U.S. Office of Personnel Management (OPM) announced on March 12 that TakeCare was conditionally approved as one of 32 carrier applicants to participate in OPM’s new Postal Service Health Benefits (PSHB) Program for U.S. Postal Employees and their families.
Click here to view TakeCare’s media release which includes a link to OPM’s related press release and bookmark this page to stay updated.
What you need to know about the Postal Service Reform Act
You may have heard about the Postal Service Reform Act of 2022. This law does not impact your benefits for 2024. But in 2025, there will be a new Postal Service Health Benefits (PSHB) Program.
- Postal Service Health Benefits Program
The Postal Service Health Benefits (PSHB) Program will offer health insurance to Postal employees, annuitants and eligible family members starting January 1, 2025.
Click here to learn more on OPM’s website.
- Guide to Understanding PSHB mailer – New!
Click here to view a soft copy of the brochure recently mailed out to all USPS employees and annuitants. The brochure provides background information about the PSHB program, how the program will integrate with Medicare, summaries of Medicare A-D coverages, important dates and deadlines, and links to other resources.
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Your 2025 PSHB Premium Rate Shares for TakeCare Options
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 Notice for USPS employees: In 2025, the employer contribution rate for PSHB plans is the same across all Postal labor unions and management associations, except for USPS non-career employees or where specified otherwise in a collective bargaining agreement. If you are a Postal service employee and have questions or require assistance, please contact USPS Human Resources Shared Service Center: 877-477-3273, option 5, Federal Relay Service 800-877-8339.
To view a complete list of 2025 PSHB Participating Plan Premiums, both regional and nationwide, go to https://www.opm.gov/healthcare-insurance/healthcare/plan-information/premiums/
- More information is coming
Information on PSHB Program health plan option benefits will be available soon.
- PSHB Helpline (844-451-1261) will go live beginning October 28.
OPM’s PSHB helpline will offer a “no wrong door” entry point to the Customer Support ecosystem, routing callers to the appropriate resource; providing technical/navigational support to all PSHB enrollees. The Helpline will be open 7:00 am - 8:45 pm ET, Monday through Friday, year round.
- Open Season
USPS employees and annuitants will be able to choose a health plan in the PSHB Program during 2024 Open Season, running November 11 through December 9, 2024.
- Automatic Enrollment
OPM is working to make the transition to PSHB as simple as possible by automatically enrolling Postal Service members into a PSHB plan based on their current FEHB enrollment. Those postal employees, annuitants and their dependents currently enrolled with TakeCare in FEHB will automatically be enrolled into TakeCare’s equivalent PHSB plan option effective January 1. See table below.
Carrier 2024 FEHB Plan Option 2024 FEHB Enrollment Codes (Self- Only / Self and Family/Self Plus One) 2025 PSHB Auto-Enrollment Plan Option 2025 FEHB Enrollment Codes (Self-Only/Self and Family/Self Plus One) High Option JK1/JK2/JK3 High Option G4A/G4B/G4C TakeCare Insurance Company Standard Option JK4/JK5/JK6 Standard Option G4D/G4E/G4F HDHP KX1/KX2/KX3 HDHP HJA/HJB/HJC Postal Service enrollees, annuitants, and their family members who are currently enrolled in any FEHB plan not participating in PSHB for 2025 will be automatically enrolled in the yet-to-be identified PSHB nationwide plan option with the lowest self-only premium that is not a high deductible health plan and does not charge a membership fee.
Alternatively, Postal Service enrollees always have the right to choose another PSHB plan during the Federal Benefits Open Season.
Click here to learn more about the Automatic Enrollment process.
