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
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.
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 |
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.
Have questions? We’re here.
Get Live Help
Have questions or need help selecting a plan? We offer multiple ways to get live help. Don’t wait, our friendly representatives are here for you.
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.