The NALC High Option Plan offers postal employees and retirees predictable costs, smart nationwide coverage, and extensive wellness support for you and your family.
For over 75 years, postal employees have trusted the NALC Postal High Option Plan for strong, reliable coverage and straightforward costs.
The Plan uses the Cigna OAP Network - one of the largest in the country. As a member you'll incur lower out-of-pocket expenses when you choose a Preferred Provider.
This plan isn’t one-size-fits-all—it’s built for postal employees and retirees who want reliable, full-coverage care. See if this plan fits your needs:
The NALC High Option Plan offers competitive premiums for Postal employees and retirees. Below are the 2025 biweekly and monthly rates
|
Tier & Plan |
Self Only |
Self + One |
Self + Family |
|---|---|---|---|
|
Code |
77A |
77C |
77B |
|
Biweekly Plan Share |
$109.98 |
$266.08 |
$238.42 |
|
Monthly Your Share |
$238.29 |
$576.50 |
$516.58 |
See what’s covered — and what you pay — for every part of your care.
|
Benefit |
You Pay (In-Network) |
You Pay (Non-PPO) |
|---|---|---|
|
Annual Routine Physical Exam (age 3 or older) |
Nothing |
35% after $300 deductible* |
|
Adult Routine Immunizations & Tests |
Nothing |
35% after $300 deductible* |
|
Well Child Care (through age 2) |
Nothing |
35% after $300 deductible* |
|
Routine Immunizations (through age 21) |
Nothing |
35% after $300 deductible* |
|
Benefit |
You Pay (In-Network PPO) |
You Pay (Non-PPO) |
|---|---|---|
|
Maternity |
Nothing |
35% after $450 per admission copay* |
|
Medical Room and Board |
$350 copayment per admission |
35% after $450 per admission copay* |
|
Mental Health/Substance Use Room and Board |
$350 copayment per admission |
35% after $450 per admission copay* |
|
Benefit |
You Pay (In-Network PPO) |
You Pay (Non-PPO) |
|---|---|---|
|
Medical/surgical |
15% after $300 deductible |
35% after $300 deductible* |
|
Emergency Medical |
15% after $300 deductible |
15% after $300 deductible* |
|
Observation Room |
$350 copayment per admission |
35% after $300 deductible* |
|
Benefit |
You Pay PPO |
You Pay Non-PPO |
|---|---|---|
|
Initial office visit / Office visit on day of manipulation |
$25 copayment per visit |
35% after $300 deductible* |
|
Manipulations (24 per calendar year) |
$25 copayment per visit |
35% after $300 deductible* |
|
One set of spinal x-rays annually |
15% after $300 deductible |
35% after $300 deductible* |
|
Benefit |
You Pay (In-Network PPO) |
You Pay (Non-PPO) |
|---|---|---|
|
Office visits |
$25 copayment per visit |
35% after $300 deductible* |
|
NALCHBP Telehealth |
$10 copayment per visit |
- |
|
X-rays, other diagnostic services |
15% after $300 deductible |
35% after $300 deductible* |
|
Benefit Description |
You Pay (In-Network PPO) |
You Pay (Non-PPO) |
|---|---|---|
|
LabCorp or Quest Diagnostics |
Nothing |
- |
|
Other lab facility |
15% after $300 deductible |
35% after $300 deductible* |
|
Benefit Description |
You Pay (In-Network PPO) |
You Pay (Non-PPO) |
|---|---|---|
|
Office visit |
$25 copayment per visit |
35% after $300 deductible* |
|
Telemental virtual visit |
$10 copayment per visit |
35% after $300 deductible* |
|
Other diagnostic services |
15% after $300 deductible |
35% after $300 deductible* |
|
LabCorp or Quest Diagnostics |
Nothing |
- |
|
Other lab facility |
15% after $300 deductible |
35% after $300 deductible* |
|
Benefit Description |
You Pay (In-Network PPO) |
You Pay (Non-PPO) |
|---|---|---|
|
Accidental dental injury (to a sound natural tooth) |
15% within 72 hours |
35% after $300 deductible within 72 hours* |
|
Benefit Description A generic equivalent will be dispensed if it is available, unless your physician specifically requires a brand name
|
Network |
Non-Network |
|---|---|---|
|
Retail Pharmacy There is a 30-day plus one refill limit at local retail. |
1st and 2nd fill: Generic: 20% of Plan allowance (10% of Plan allowance for asthma, diabetes, & hypertension) Formulary brand: 30% of Plan allowance Non-Formulary brand: 50% of Plan allowance Note: You may purchase up to a 90-day supply (84-day minimum) of covered drugs and supplies at a CVS/Caremark Pharmacy or through our Maintenance Choice Program. You will pay the applicable mail order copayment for each prescription purchased. |
Retail: 50% of Plan allowance* |
|
Mail Order Program |
60-day supply: $10 generic / $60 Formulary brand / $84 Non-Formulary brand 90-day supply: $15 generic / $90 Formulary brand / $125 Non-Formulary brand ($8 generic / $50 Formulary brand / $70 Non-formulary brand for asthma, diabetes & hypertension) |
|
|
Specialty drugs (requires prior approval) We use the NALC's Advanced Control Specialty formulary |
Caremark Specialty Pharmacy Mail Order:
|
|
|
Medical/Mental Health and Substance use disorder care |
You pay nothing after deductible, coinsurance and copayment expenses total:
|
|---|---|
|
Prescription |
You pay nothing after coinsurance amounts for prescription drugs dispensed by a CVS National Network pharmacy and mail order copayment amounts total:
|
Explore coverage, benefits, and costs in the official NALC 2025 Plan Brochure.
Members deserve health care that’s simple and dependable. With the NALC High Option Plan, you get easy online tools, helpful resources, and wellness programs that support your health—anytime, anywhere.
The NALC Postal High Option Plan supports your well-being with programs that go beyond routine care. You’ll find tools, coaching, and resources to help you build lasting habits, manage chronic conditions, and stay healthy at every stage of life:
Get the help you need with a full range of behavioral health services through Optum®. Your mental well-being matters. The High Option Plan gives you access to virtual and in-person mental health services through trusted partners.
If you're enrolled in Medicare Parts A and B, the NALC High Option Plan offers enhanced coverage with little to no out-of-pocket costs for most medical services. You’ll also get access to exclusive options that maximize your benefits.
The High Option Plan travels with you globally, covering emergency and medically necessary care—including care outside the U.S. 

Not sure which Postal NALC Health Benefit Plan is right for you?

NALC HBP Member Services — Get answers and support for any plan questions
