PSHB Coverage and Care
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).
Essential Protections
The NALC Postal Health Benefit Plan ensures dependable protections under PSHB Coverage and Care.
If you need help, contact the right office based on your situation:
- USPS Employees: Call the HR Shared Services Center at 877-477-3273 (select option 5 for Benefits)
- Annuitants: Call the Retirement Information Office at 888-767-6738
- PSHB Helpline: Call 844-451-1261
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.
Family Member Coverage—Eligibility Under PSHB Coverage and Care
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
Update your family status in the PSHB system. Dependents turning 26 are automatically disenrolled unless eligible for continued support.
Ensuring Children’s Health—Children’s Equity Act Compliance
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.
Retiring with PSHB Coverage and Care
You can keep PSHB Coverage and Care into retirement if:
When PSHB Coverage and Care Ends
Life evolves—and so can your health coverage. Understanding when your NALC Health Benefit Plan coverage might end—and what comes next—is important.
Standard End of Coverage
- Grace Period—31-day grace period after your plan ends.
- Hospital Stays—If hospitalized on day 31, benefits may extend 60 days further.
Temporary Continuation of PSHB Coverage and Care (TCC)
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.
Tools for Managing PSHB Coverage and Care
Important Resources and Tools
More Helpful Tools
Your Enrollment—Simple Steps to Coverage and Care
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
- Visit: www.health-benefits.opm.gov/pshb
- 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
Qualifying Life Events (QLEs)—Adjust Your PSHB Coverage
Life changes? Your PSHB Coverage adapts:
We're Here to Help
Your questions matter. Reach out to the right team for the support you need.
If you need help, contact the right office based on your situation:
- USPS Employees: Call the HR Shared Services Center at 877-477-3273 (select option 5 for Benefits)
- Annuitants: Call the Retirement Information Office at 888-767-6738
- PSHB Helpline: Call 844-451-1261
Deaf or hard of hearing? Use the Federal Relay Service at 1-800-877-8339.
NALC HBP Member Services
For general questions about your plan or coverage, our Member Services team is here to help.
Frequently Asked Questions—Quick Answers for You
Your NALC Health Benefit Plan under the PSHB Program provides comprehensive medical, pharmacy, and preventive care—meeting all Affordable Care Act standards. It includes coverage for doctor visits, hospital care, prescriptions, and preventive services at no cost when using in-network providers.
Yes. You can change plans if you experience a Qualifying Life Event, such as marriage, divorce, or the birth or adoption of a child.
Yes. Your NALC Health Benefit Plan provides worldwide coverage. You can see any licensed provider for emergency or urgent care, pay the bill, and then submit a Member Medical Claim Form with your receipts for reimbursement. Keep copies of your records and use U.S. dollars when possible to speed up processing.
Temporary Continuation of Coverage (TCC) lets you keep your NALC Health Benefit Plan coverage for up to 18 months after your regular coverage ends — for example, after leaving employment or when a dependent loses eligibility. To apply, contact your employing agency’s HR office within 60 days of losing coverage. You’ll receive details on premiums, payment options, and how to continue benefits without a gap.