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Postal Service employees and retirees

Call 1-833-497-2416 (TTY: 711)

Standard Option

 Low rates + rich benefits

Comprehensive coverage at an affordable price

The MHBP Standard Option is setting a higher standard for Postal Service employee health plans — at a lower cost.

The plan’s low copayments keep your costs down and out-of-pocket expenses predictable. With network providers, the plan pays 100 percent for annual exams, lab tests, maternity care and more. For services like diagnostic tests or surgery, this plan has you covered.

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2025 STANDARD OPTION RATES

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 which maintains your health benefits enrollment.

Postal Service Employees (biweekly)

  • Self Only (CODE 73D): $82.22
  • Self Plus One (CODE 73F): $189.26
  • Self and Family (CODE 73E): $191.07

Annuitants (monthly)

  • Self Only (CODE 73D): $178.14
  • Self Plus One (CODE 73F): $410.06
  • Self and Family (CODE 73E): $413.99

Why choose MHBP:

  • 24/7 dedicated customer service team (except certain holidays).
  • Outstanding plan satisfaction, per OPM.gov Consumer Satisfaction Survey Results. If you aren’t happy, we aren’t happy.
  • A large, nationwide network of over 1.9 million capable care providers and hospitals. When you need care, it’s never too far.
  • No referrals required to see a specialist. No jumping through hoops to see the right doctor.
  • Worldwide coverage​ for living, working, or traveling abroad.

Enroll today and discover countless reasons to smile!

Great coverage. Low rates. Wellness rewards.

  • Up to $350 in wellness rewards
  • No out-of-pocket costs for maternity care
  • 40 alternative care visits per year for chiropractic care and acupuncture combined
  • No additional cost MinuteClinic® visits at a CVS Pharmacy® location
  • No additional cost for telehealth services through Teladoc Health™
  • No additional cost for Lab Savings Program
Standard Option rates and enrollment codes

MHBP’s Standard Option in-network benefits have you covered

Complete coverage at a price that may surprise you. With copays for most services, the MHBP Standard Option will help make your out-of-pocket expenses more predictable.

This is a summary of MHBP Standard Option benefits when you use network providers. Do not rely on this list alone. Not all benefits are shown below.
Network Benefit Cost
Preventive Care You pay nothing
Primary Care Doctors’ Visits $20 copay, adult
$10 copay, dependents through age 21
Specialist Visits $30 copay
MinuteClinic® Visits You pay nothing
Walk-in Clinic Visits $5 copay
Lab Savings Program You pay nothing for covered lab tests with the Lab Savings Program when LabCorp® or Quest Diagnostics™ performs the tests
Alternative Care (Chiropractic) $20 copay per visit up to 40-visit combined maximum
Alternative Care (Acupuncture) 10% of the Plan allowance 40-visit combined maximum
Maternity You pay nothing
Emergency Room Visits $200 copay*
(No deductible for accidental injury; copay is waived if admitted to the hospital)
Urgent Care Center Visits $50 copay
Hospitalization $200 copay per admission and 10% of Plan allowance for ancillary services
Prescription Drugs, Generic (30-day supply) $5 copay
Calendar Year Deductible $350 Self only
$700 Self plus one or self and family
*Must meet deductible first

Plans for a healthier you

Looking for a better health plan? With three MHBP plan options, find a health plan to fit your needs, with coverage at affordable rates. Look no further than MHBP. Download the brochure to learn more.

2025 MHBP Plans brochure

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Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. This benefit is not available in all states.

Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.

Quest, Quest Diagnostics, any associated logos, and all associated Quest Diagnostics registered or unregistered trademarks are the property of Quest Diagnostics. LabCorp trademark is the property of LabCorp.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).This is a brief description of the features of this MHBP plan. Before making a final decision, please read the Official plan brochure. All benefits are subject to the definitions, limitations and exclusions set forth in the Official plan brochure. A single annual $52 associate membership fee makes all MHBP plans available to you.

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