Below is a USPS fact sheet on the impact on current employees and retirees of the Postal Service Health Benefit Program, which will replace FEHB from calendar year 2025.
Fact sheet for employees
The Postal Services Reform Act of 2022 (PSRA) was signed into law in April 2022. Since then, the Office of Personnel Management (OPM) has worked with the Postal Service to develop the new Postal Service Health Benefits (PSHB) program required under new legislation. PSHB is a new and separate program within the Federal Employee Health Benefits (FEHB) program, administered by OPM. PSHB program coverage will take effect from 1 January 2025. Below is a list of facts about his PSHB program for active employees.
1. During the 2024 Open Season from November 11, 2024 to December 9, 2024, you must choose a health insurance plan in the PSHB program.
2. PSHB plan options and premium information will be available in October 2024.
3. OPM will launch a new registration platform for health insurance. Information on how to conduct elections using the new system will be available prior to the 2024 Open Season.
4. you Active employees aged 64 or older as of January 1, 2025, you do not need to be enrolled in Medicare Part B to continue your PSHB health insurance after you retire. However, when he retires and qualifies for Medicare Part A (usually when he is 65), he is given the option to enroll in Medicare Part B during a special enrollment period. If you are the primary subscriber, the covered family member does not have to be enrolled in Medicare Part B to stay on her PSHB plan. However, enrolling in Medicare Part B may reduce the overall cost of medical-related expenses and provide better value for you and your family.
5. you Active employees under the age of 64 as of January 1, 2025To continue your PSHB health insurance after you retire, you must enroll in Medicare Part B and qualify for Medicare Part A after retirement (usually at age 65).
– If you are the primary PSHB beneficiary and you want to continue to have PSHB coverage, if you are eligible for Medicare Part A, your covered family members will also be covered by Medicare when you retire. You must enroll in Part B.
– if you Retired after January 1, 2025 and under the age of 64To stay enrolled in a PSHB plan, once you qualify for Medicare Part A (usually at age 65), you must enroll in Medicare Part B. The Social Security Administration (SSA) will mail you a notice if you are eligible to enroll in Medicare Part B during the initial enrollment period. The initial registration period is from 3 months before her 65th birthday to 3 months after her 65th birthday. If you are her primary PSHB beneficiary and you want covered family members to remain covered by her PSHB coverage, also enroll in Medicare Part B when you are eligible for Medicare Part A is needed.
6. There are exceptions to the requirements to enroll in Medicare Part B as a pensioner. These exceptions also apply to eligible family members. Pensioners may be responsible for submitting proof of eligibility for applicable exceptions to designated agencies.
These exceptions are:
– You reside outside the United States and its territories. To be eligible for this exception, you must follow the policies and procedures set by the Post Office.again
– You are enrolled in medical benefits provided by the Veterans Administration.again
– Eligible for health services provided by Indian Health Service.
7. As a general rule, spousal and family PSHB coverage is based on the Participant’s eligibility. If the primary participant is required to enroll in Medicare Part B, dependents must also enroll when eligible.
Factsheet for Retirees
The Postal Services Reform Act of 2022 (PSRA) was signed into law in April 2022. ) Programs required under new legislation. PSHB is a new and separate program within the Federal Employee Health Benefits (FEHB) program, administered by OPM. PSHB program coverage will take effect from 1 January 2025. Below is a list of facts about his PSHB program for current pensioners.
1. During the 2024 Open Season from November 11, 2024 to December 9, 2024, you must choose a health insurance plan in the PSHB program.
2. PSHB plan options and premium information will be available in October 2024.
3. OPM will launch a new registration platform for health insurance. Information on how to conduct elections using the new system will be available prior to the 2024 Open Season.
4. you Pensioner as of January 1, 2025 and not currently enrolled in Medicare Part B, you do not need to be enrolled in Medicare Part B to continue health coverage under the new PSHB program. Participation in Medicare Part B is voluntary. However, enrolling in Medicare Part B may reduce the overall cost of medical-related expenses and provide greater value.
a) Eligible spouses and eligible family members are not required to enroll in Medicare Part B, even if they are 65 or older. However, enrolling in Medicare Part B may reduce the overall cost of medical-related expenses and provide greater value.
b) Note: If you are a pensioner on January 1, 2025 and are already enrolled in Medicare Part B, you must continue to be enrolled in Medicare Part B to continue your PSHB coverage.
5. you If you were a pensioner eligible for Medicare Part A before January 1, 2024 (usually age 65) and not enrolled in Medicare Part B, you and your eligible eligible family members: You may be able to participate in a Special Enrollment Period (SEP). Medicare Part B Starting April 1, 2024. If you enroll during SEP, you do not have to pay the Late Enrollment Penalty. Eligibility letters will be sent to pensioners and eligible families in early 2024.
6. you Retire between October 31, 2024 and December 31, 2024 and qualify for Medicare Part A (usually at age 65), you have the option to enroll in Medicare Part B during a specific eight-month special enrollment period immediately following your retirement date. If you want to enroll and are over 65, you must contact the Social Security Administration (SSA) to begin enrollment.
7. As a general rule, spousal and family PSHB coverage is based on the Participant’s eligibility. If the primary participant does not need to have Medicare Part B, neither do the dependents. Likewise, if eligible for SEP, so are eligible family members.
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