Key Takeaways

  • The Postal Service Health Benefits (PSHB) Program is fully active in 2025, and USPS employees and retirees have official support channels to navigate plan choices, enrollment, and Medicare coordination.

  • Understanding which platforms and resources are designed to help you can save time, reduce confusion, and help you make well-informed healthcare decisions.

Understanding the PSHB Landscape in 2025

As of January 1, 2025, the PSHB Program officially replaces Federal Employees Health Benefits (FEHB) for United States Postal Service (USPS) employees and annuitants. This change brings a new set of enrollment rules, plan options, and Medicare integration requirements that may feel overwhelming without the right guidance.

Fortunately, several official resources have been developed to help you stay on track and make confident choices. Whether you’re a current employee, a retiree, or transitioning soon, it’s critical to use the tools provided by the U.S. Office of Personnel Management (OPM) and USPS.

1. OPM’s PSHB Webpage: Your Central Hub

The U.S. Office of Personnel Management (OPM) serves as the governing authority behind the PSHB Program. In 2025, OPM maintains a dedicated PSHB webpage that includes key information such as:

  • Plan comparison tools

  • Enrollment instructions

  • Overview of Medicare Part B coordination

  • Premium and cost-sharing information

  • Frequently asked questions

This webpage acts as the official source for verifying your eligibility, understanding your responsibilities, and getting updates on any changes in PSHB policy.

2. PSHB Navigator Help Line

For direct assistance, you can contact the PSHB Navigator Help Line. This phone service is staffed by trained representatives who can:

  • Explain how PSHB differs from FEHB

  • Walk you through enrollment steps

  • Clarify Medicare Part B requirements

  • Help you understand plan features and limitations

In 2025, this help line is particularly important for retirees trying to figure out how their Medicare coverage fits with PSHB. It’s also helpful if you experienced any delays or confusion during the most recent Open Season (November to December 2024).

3. LiteBlue for Active USPS Employees

Active USPS employees still use the LiteBlue portal to manage their benefits. This secure platform now includes:

  • A direct link to PSHB enrollment options

  • Access to Open Season changes and announcements

  • Tools for updating dependent information

If you’re still working for USPS in 2025, LiteBlue remains your go-to place for making benefit elections and reviewing your healthcare information.

4. KeepingPosted.org for Retirees

If you’re a retired USPS employee, your central resource is KeepingPosted.org. This site is tailored for annuitants and provides:

  • PSHB enrollment access

  • News updates specific to retirees

  • Resources for understanding Medicare Part B coordination

KeepingPosted.org is where you manage your coverage decisions, especially during Open Season or following a Qualifying Life Event (QLE).

5. Medicare Resources for PSHB Enrollees

Because PSHB integrates with Medicare in 2025, especially Part B, it’s essential to understand how these two systems work together. Medicare.gov is your official portal for all things Medicare. Use it to:

  • Check your Part B enrollment status

  • Compare Medicare-covered services to your PSHB plan

  • Understand the $2,000 cap on out-of-pocket drug costs

  • Learn about the Medicare Prescription Payment Plan

Also, be aware that some PSHB plans offer reduced cost-sharing if you are enrolled in Medicare Part B, so it’s worth confirming those benefits directly.

6. Open Season Notifications and Mailings

Every year, the PSHB Open Season runs from November to December. Prior to this period, OPM and USPS send out:

  • Postcards

  • Newsletters

  • Benefit brochures

  • Annual Notice of Change (ANOC) documents

These materials are crucial. They inform you about premium changes, benefit adjustments, and whether you’ll be automatically enrolled or need to take action.

In 2025, if you are currently enrolled in FEHB but eligible for PSHB, you were automatically transferred to a comparable PSHB plan unless you opted out during the Open Season.

7. PostalEase for Changes During the Year

PostalEase is a phone-based system that lets active USPS employees make benefit changes outside of Open Season if they qualify for a QLE, such as:

  • Marriage

  • Divorce

  • Birth or adoption

  • Loss of other coverage

It is essential to act within 60 days of a QLE to avoid losing your eligibility to make a change.

8. Plan Comparison Tools

Both the OPM website and USPS platforms offer digital tools that let you compare plans side by side. These tools help you review:

  • Deductibles

  • Coinsurance

  • Prescription coverage

  • Out-of-pocket maximums

In 2025, the range of PSHB plans is broad, and using these tools is critical for selecting one that aligns with your medical needs and budget.

9. FAQs and PSHB Webinars

OPM and USPS regularly host webinars and maintain searchable FAQ sections. These formats are ideal for:

  • New retirees who need an overview

  • Current employees approaching retirement

  • Anyone unsure about Medicare Part B enrollment deadlines

If you’re someone who prefers to learn visually or through structured sessions, these resources are indispensable.

10. Special Enrollment Period (SEP) Notices

From April to September 2024, there was a special enrollment period for certain USPS retirees and family members who needed to sign up for Medicare Part B. In 2025, the aftermath of that SEP may still affect your coverage if:

  • You missed the SEP window and now need help understanding your options

  • You opted out of Medicare Part B and now face limited PSHB coverage

Use the PSHB Navigator Help Line or KeepingPosted.org to review your current status and any remaining opportunities to adjust your coverage.

11. Coordination With Other Benefits

PSHB does not affect your access to:

  • FEDVIP (Dental and Vision Insurance)

  • FEGLI (Life Insurance)

  • FLTCIP (Long-Term Care Insurance)

  • FSAFEDS (Flexible Spending Accounts)

However, coordinating these benefits with your health coverage can be complex. OPM’s website and USPS help lines can provide direction.

12. Common Timelines to Remember in 2025

Here are important periods to keep in mind this year:

  • Open Season: November to December — Review or change PSHB plans

  • Medicare Mid-Year Notification: Sent between June 30 and July 31 — Lists unused supplemental benefits under Medicare Advantage plans

  • Annual Updates: Premiums, deductibles, and benefit changes take effect January 1, 2025

  • QLE Reporting Window: 60 days after a qualifying event — To make plan changes via PostalEase

13. When and Why to Contact a Licensed Agent

Even with all these official resources, you may encounter unique circumstances that require personalized guidance. A licensed agent can help you:

Licensed agents offer a human perspective to complement official tools.

Staying Informed and In Control of Your Coverage

With the PSHB Program fully implemented in 2025, you have access to a wide range of official resources designed to make your healthcare decisions easier. Whether you’re still employed or already retired, staying proactive and informed is the key to avoiding costly mistakes or missed opportunities.

For expert advice tailored to your situation, reach out to a licensed agent listed on this website. They can help you interpret the fine print and make confident choices.