Consumer Driven Option for postal employees
Your own Personal Care Account (PCA) helps pay for medical expenses.
Consumer Driven Option highlights
Benefits at a glance
Personal Care Account (PCA)
Choose how to spend your healthcare dollars
The Consumer Driven Option includes a PCA that covers 100% of all eligible expenses. Each year, the Plan adds to your account:
for Self
for Self Plus One and Self and Family
No upfront deductible, coinsurance, or copay until you use up the funds in your PCA.
- Annual physical exam
- Mammogram
- Cervical cancer screening
Dental and vision services are payable out of your PCA.
The plan covers 90% of care received at a Cancer Center of Excellence.
Consumer Driven Option premiums
Low rates with your own PCA
These are projections. Confirm your final premiums with Shared Services or your agency representative.
Premiums for Tribal employees are shown under the monthly premium rate column. The amount shown is the maximum you will pay. Your Tribal employer may choose to contribute a higher portion of your premium. Please contact your Tribal Benefits Officer for exact rates.
These are projections. Confirm your final premiums with Shared Services or your agency representative.
Premiums for Tribal employees are shown under the monthly premium rate column. The amount shown is the maximum you will pay. Your Tribal employer may choose to contribute a higher portion of your premium. Please contact your Tribal Benefits Officer for exact rates.
Pharmacy
Dental
Additional benefits
Behavioral
health
Gender affirming
care
Cancer Centers of
Excellence
Need help finding a health plan that’s right for you?
Download and access Health Plan resources
2025 Postal Brochure
2025 PSHB Consumer Driven Option Summary of Benefits and Coverage (SBC)
Consumer Driven Option Preferred Formulary
View the national preferred drug formulary to see a list of preferred alternatives for drugs that the plan does not cover.