Key Takeaways

• The most accurate, updated, and user-specific Postal Service Health Benefits (PSHB) resources are not always at the top of search results or in the most obvious locations.

• Learning where to find official, complete, and timely information can prevent costly mistakes and ensure full PSHB coverage in 2025 and beyond.

Why Reliable PSHB Information Is Harder to Find Than It Should Be

With the transition from FEHB to PSHB in full effect as of January 1, 2025, many postal employees and retirees are looking online for answers. But the digital landscape isn’t always aligned with your needs. Misinformation, outdated references, and overly simplified explanations can lead you astray.

Many websites repurpose federal information but fail to keep it current. Others mix PSHB content with general health plan data that may not apply to you as a postal employee, annuitant, or family member. And while some sources appear authoritative, they may not reflect the unique rules that govern PSHB eligibility, enrollment, and Medicare coordination.

Instead of assuming the top result is best, it’s important to build a habit of going directly to verified resources tailored for the PSHB population.

1. Your Starting Point: OPM’s PSHB Program Portal

The Office of Personnel Management (OPM) now hosts a dedicated PSHB portal. Unlike general FEHB pages, this site focuses specifically on:

• Enrollment details for both employees and annuitants

• Eligibility criteria, including exceptions and Medicare integration rules

• Plan comparison tools specific to PSHB

• Contact details for program-specific support

The portal is regularly updated and aligned with federal regulatory changes. It is one of the few places online where plan brochures, timelines, and eligibility charts are released with federal oversight.

2. For USPS Employees: LiteBlue Remains Essential

If you’re a current USPS employee, you’re likely familiar with LiteBlue. For PSHB, this internal platform has become even more important. It offers:

• Step-by-step enrollment tools

• Personalized benefit statements

• Special alerts for deadlines, benefit changes, and QLE windows

• Access to forms and guidance not available to the general public

You must log in with your Employee ID and USPS PIN. Because LiteBlue content is tailored to your employment status, it can clarify plan availability, enrollment windows, and required actions more precisely than general websites.

3. For Annuitants: KeepingPosted.org Is Your Go-To Hub

Retired postal workers or their survivors should rely on KeepingPosted.org. This site consolidates official PSHB information specifically for annuitants, including:

• Monthly premium contribution details

• Medicare Part B enrollment integration

• Resources on coordinating with FEHB if you retired before 2025

• Annual updates during Open Season (November–December)

Importantly, it also offers resources for accessing annuitant support lines and secure document submission portals.

4. Don’t Overlook the PSHB Navigator Helpline

Sometimes, no online tool can replace a live conversation. The PSHB Navigator Help Line at 1-833-712-7742 is available for questions about:

• Eligibility conflicts or Medicare requirements

• Plan choice support during Open Season

• Understanding letters or notices you’ve received

• Enrollment issues or technical errors

They can’t enroll you directly, but they can confirm your eligibility, timeline, and required documentation to help you proceed without mistakes.

5. Be Cautious With General Health Insurance Sites

Generic health insurance websites often show plans unrelated to PSHB or even FEHB. These may:

• Display private plans that don’t meet PSHB eligibility rules

• Advertise options unavailable to USPS employees or retirees

• Lack information on Medicare Part B coordination, which is critical for PSHB

Even when these platforms seem reputable, they rarely include PSHB-specific plan structures, cost-sharing models, or government contributions.

If you’re comparing plans, use the official OPM plan comparison tool instead of relying on commercial platforms that may not distinguish between private sector and postal benefits.

6. Where You’ll Find Accurate Medicare Coordination Information

Medicare integration under PSHB in 2025 is not the same as under FEHB. Many beneficiaries miss critical coverage features because they rely on:

• Old FEHB brochures

• Medicare.gov (which doesn’t include PSHB plan coordination)

• Blogs or forums with outdated or incorrect claims

Instead, your best sources include:

• The Medicare + PSHB coordination guides on KeepingPosted.org

• Plan brochures released by OPM under PSHB listings

• Official USPS and OPM FAQs about Medicare Part B enrollment requirements

In 2025, some PSHB plans offer benefits like waived deductibles and cost-sharing reductions if you’re enrolled in Medicare Part B. But these details are only spelled out in official plan documents and not shown in general Medicare materials.

7. Open Season Resources You Should Bookmark

Open Season (typically mid-November to mid-December) is the only time most PSHB enrollees can change plans without a qualifying life event. Reliable Open Season resources include:

• OPM’s official plan finder tool

• LiteBlue’s employee-specific Open Season dashboard

• KeepingPosted.org’s annuitant enrollment page

• The PSHB Navigator Help Line for last-minute clarification

Bookmarking these sites early in the year ensures you’re ready to review and compare benefits when the enrollment window opens.

8. QLEs and SEP Guidance You Can Trust

If you experience a life change—like retirement, Medicare eligibility, or marriage—you may qualify for a special enrollment period (SEP) or be impacted by a qualifying life event (QLE). However, most online sources don’t distinguish clearly between general insurance rules and those unique to the PSHB structure.

You should rely on:

• The QLE chart on OPM’s PSHB page

• LiteBlue (for employees) or KeepingPosted.org (for retirees)

• USPS HR Shared Services for personalized assistance

These sources outline the timing, documents, and action steps needed to update your PSHB coverage without losing eligibility or triggering coverage delays.

9. What to Avoid When Searching for PSHB Information

In 2025, avoid these common pitfalls:

• Search engine shortcuts: Many search results direct you to old FEHB pages or unrelated plan ads.

• Forums and social media: While shared experiences may help, they are not a reliable source of policy facts.

• Out-of-date PDFs: If a brochure doesn’t mention 2025 cost limits, Medicare Part B integration, or the PSHB transition—it’s not current.

• Third-party email offers: Ignore emails promoting “government plan discounts” unless verified through OPM, USPS, or a licensed agent listed on this website.

Staying within the official PSHB ecosystem helps you avoid errors that could disrupt coverage, especially during annual enrollment or Medicare coordination.

10. Want Plan-Specific Details? Stick With OPM Brochures

Each PSHB plan releases an official brochure reviewed by OPM. These documents explain:

• Deductibles, coinsurance, and copayments for 2025

• Whether Medicare Part B enrollment triggers lower cost-sharing

• Pharmacy benefits under the Part D Employer Group Waiver Plan (EGWP)

• Out-of-pocket maximums and what counts toward them

If you want exact details about what your plan covers in 2025, download the official OPM PDF. No third-party summary or news blog will match its accuracy.

11. When to Contact Human Resources vs. PSHB Support Lines

It’s important to know which questions belong where. Use this general rule:

• Contact USPS HR Shared Services if you’re an employee with questions about employment status, service credit, or pay-related PSHB deductions.

• Contact the PSHB Navigator Help Line for questions about plan coverage, eligibility, Medicare enrollment rules, and documentation issues.

• Contact OPM Retirement Services if you’re a retiree with questions about your annuitant status, premiums, or survivor coverage eligibility.

Understanding which office to reach out to can save you hours of being transferred between departments.

Staying Informed Helps You Stay Covered

As PSHB becomes the permanent health benefits platform for postal employees and annuitants in 2025, being proactive about where you get your information is more important than ever. Don’t assume the most visible website is the most reliable one.

Bookmark official sources. Download plan brochures. Keep an eye on annual updates. And when in doubt, reach out to a licensed agent listed on this website who can help you interpret complex rules and avoid mistakes that could affect your benefits.