As a proud participant in the Postal Service Health Benefits (PSHB) Program, the NALC Health Benefit Plan delivers comprehensive, affordable PSHB coverage and care for you and your family. Our plan meets all standards for Minimum Essential Coverage (MEC) and the Minimum Value Standard under the Affordable Care Act (ACA).
The NALC Postal Health Benefit Plan ensures dependable protections under PSHB program.
Deaf or hard of hearing? Use the Federal Relay Service at 1-800-877-8339.
No Pre-Existing Condition Limitations:— Medically necessary treatments are covered from day one.
Your PSHB Coverage and Care supports those who matter most:
Spouse (includes common-law in recognized states)
Children under age 26 (biological, adopted, step, foster)
Disabled children over 26, incapable of self-support (if disability began before 26)
Married dependent children up to age 26
When a court mandates health benefits for a child—we ensure their coverage is in place—as required by the Federal Employees Health Benefits Children's Equity Act of 2000.
You can keep PSHB Coverage and Care into retirement if:
Eligibility
You’ve had continuous FEHB/PSHB enrollment for the 5 years before retirement
Exploring Options
If not, consider Temporary Continuation of Coverage (TCC) or individual market options
Life evolves—and so can your health coverage. Understanding when your NALC Health Benefit Plan coverage might end—and what comes next—is important.
Grace Period—31-day grace period after your plan ends.
Hospital Stays—
If hospitalized on day 31, benefits may extend 60 days further.
Eligibility Ends—Ex-spouse must be removed
Important Action—Use PSHB System to update records
Former Spouse Options—Former spouses may qualify for TCC or Spouse Equity options
If you lose your eligibility in the Postal Service Health Benefit (PSHB) Program, Temporary Continuation of Coverage (TCC) can help you stay protected during your transition.
When You Qualify
Leaving Postal Service
Dependent turns 26
Divorce or annulment ends coverage
What is Offered
Up to 18 months of PSHB-like coverage during transition
How to Enroll
Complete Form RI 79-27
Access via: opm.gov/healthcare-insurance
Learn what’s included under your PSHB Coverage and Care.
Discover your health insights and tips for improvement.
Learn how PSHB Coverage and Care supports safety.
Use the Cigna OAP directory
Includes:
Calculate your costs under PSHB Coverage and Care.
File claims and track them with ease.
Explore our trusted care partners in the PSHB Program.
Enrolling is simple:
Visit our How to Enroll page, contact your employing office, or retirement office. They are your primary resource for enrollment and changes.
How to Enroll in PSHB Coverage and Care
Use your Login.gov account
Select or update your coverage online
Need help? Call the PSHB Helpline at 844-451-1261
Enrollment Options—Tailored for Your PSHB Coverage and Care
Choose the right PSHB Coverage and Care option:
Self Only
—For you
Self Plus One
—You and one eligible dependent
Self Plus Family
—You, and all eligible dependents
Life changes? Your PSHB Coverage adapts:
Common QLEs:
Marriage/divorce
New child (birth or adoption)
Loss of other insurance
Employment status change
Your questions matter. Reach out to the right team for the support you need.
Deaf or hard of hearing? Use the Federal Relay Service at 1-800-877-8339.
For general questions about your plan or coverage, our Member Services team is here to help.
