Postal

Explore Your NALC Postal Health Plans

Choose from two health plans built for postal workers—both backed by the trusted NALC Health Benefit Plan (NALC HBP). Whether you want strong coverage or more control over costs, you’ll find what you need here.

Latest Updates from NALC HBP

Stay informed with the latest announcements, policy changes, and program updates from the NALC Health Benefit Plan for Postal Employees.

Member Rights and Responsibilities
OCT 07, 2025 • 3 MIN READ

Member Rights and Responsibilities Member Rights: You have the right to receive up-to-date information about your health plan, benefits available, the health care professionals, hospitals and other providers that participate in this Plan’s PPO Network and your rights and responsibilities. You have the right to receive a copy of the Notice of the NALC Health […]

Member resources
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NALC Member Quick Links

Quickly manage your NALC Postal Health Plans with these essential resources.

Choosing Your Ideal NALC Health Benefit Plan

Clear, straightforward guidance for selecting the perfect postal employee health insurance plan from NALC Health Benefit Plan.

A female doctor in a white coat and scrubs stands in an office, smiling confidently with a hand on her hip.

Best for families or frequent care needs.
This comprehensive plan offers robust benefits and predictable costs, making it a dependable option for individuals who use healthcare services regularly.

Highlights:

Lower deductibles and copays
15% coinsurance in-network (deductible applies to certain benefits)
No out-of-pocket expense for covered routine and preventive services
Extensive nationwide provider network through Cigna OAP
No referrals required
Includes mental health & substance use benefits through OptumHealth

Ideal for:

Families
Chronic care management
High healthcare usage
Explore High Option benefits

Best for those who want flexibility and lower premiums.
The CDHP gives you control with a Personal Care Account (PCA) to cover initial costs—and lower monthly premiums.

Highlights:

PCA funds provided by NALC, $1,200 for self only and $2,400 for self plus one / self and family.
No out-of-pocket expense for covered in-network preventive services
Lower monthly premiums than the High Option Plan
Nationwide network through Cigna OAP
Unused PCA funds roll over year-to-year with a maximum amount allowed in any given year not to exceed $5,000 for Self Only, and $10,000 for Self Plus One/Self and Family.
Smart choice for those with minimal healthcare needs

Ideal for:

Healthy individuals and families
Budget-conscious USPS employees and retirees
Those who rarely seek medical care
See Consumer Driven benefits

Want to see a side-by-side breakdown? Quickly review what each plan offers to make the best decision for your needs.

Compare NALC Postal Health Plans

Understand how the NALC HBP works seamlessly with Medicare.

Learn About Medicare Coordination

Use our calculator to preview your cost.

Understand Premium

Voices from the NALC PSHB Community

Hear directly from postal employees who share their exceptional experiences and satisfaction with NALC Health Benefit Plan.

"I've been with other PSHB plans before. None felt as personal and responsive as NALC."

Thomas B.
Postal Member, Ohio

“When my specialist referral was delayed, NALC’s support team called me back within a day. They didn’t just process the paperwork — they listened.”

Maria B.
Postal Member, Ohio

“I had so many questions about my coverage after switching plans, but NALC’s support team walked me through every step with patience and clarity. I felt truly supported.”

Simplified Enrollment with NALC PSHB

Easy-to-follow enrollment steps during Open Season or after qualifying life events, designed to simplify your enrollment experience.

How to Enroll
Open Season Updates

Personalized Wellness & Preventive Care

NALC Postal Health Plans proactively support your health.

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Health Coaching

Stress, weight loss, nutrition support

A therapist helps a smiling older woman lift a pink dumbbell during exercise.

Preventive Care

Covered at 100% in-network

A nurse gently holds a patient’s hand in support.

Mental Health Support

24/7 care via MDLIVE and OptumHealth

Explore Wellness Programs

The Plan's Trusted Partnerships

Explore the organizations we collaborate with to enhance and expand your postal employee health benefits.

View Trusted Partners

Dedicated Support from the NALC HBP

 Receive prompt and reliable assistance from our dedicated representatives for claims, billing, and coverage inquiries.

Contact NALC Support

Why USPS Employees and Retirees Choose the NALC Health Benefit Plan

  • Over 70 years serving USPS members

  • Dedicated Member Services for postal-specific support

  • Preventive care covered at 100% in-network

  • Access to trusted pharmacy and medical partners

Compare NALC Benefits

FAQs About NALC Postal Health Plans

Have questions about your options? We’ve got answers to help you decide with confidence.

FAQ representative
The PSHB Program is the new health insurance program for Postal Service employees, retirees, and their families. It offers medical, prescription, preventive, and wellness benefits through trusted national partners.
All Postal Service employees, retirees, and their eligible dependents can enroll in NALC HBP during Open Season or after a qualifying life event.
NALC offers two PSHB plans: the High Option Plan and the Consumer Driven Health Plan (CDHP). Both plans provide access to the Cigna PPO network, CVS Caremark pharmacy coverage, preventive care, and digital wellness programs.
The plan uses the Cigna PPO network, which gives members nationwide access to doctors, hospitals, and specialists, plus emergency coverage anywhere in the world.
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