Key Takeaways

• The PSHB Open Season for USPS workers is from November 11, 2024, to December 9, 2024. Enroll before the deadline to secure health coverage for 2025.
• Double-check your plan and ensure it meets your healthcare needs for the new year before the January 1, 2025, coverage start.

Your Last-Minute Checklist for PSHB Enrollment Success

It’s that time of year, USPS workers! The Postal Service Health Benefits (PSHB) program is officially taking over from the Federal Employees Health Benefits (FEHB) system. With PSHB Open Season running from November 11 to December 9, 2024, now is the time to make your enrollment decisions. This shift, launching on January 1, 2025, is significant, so here’s your checklist to glide through the process smoothly and confidently.

1. Confirm Your Automatic Enrollment Status

If you’re currently enrolled in an FEHB plan, there’s a good chance you’ve been automatically transitioned into a corresponding PSHB plan. While this automatic enrollment helps ensure no lapse in coverage, it’s up to you to confirm that your new plan fits your needs.

How to Verify:

• Log in to your USPS benefits portal to view your enrollment status.
• Review any communications or notifications you’ve received regarding automatic enrollment.
• Double-check that all your personal and plan details are accurate.

2. Review Your 2024 Health Coverage Needs

As you head into 2025, take a moment to reflect on your healthcare use over the past year. Did you have frequent visits to specialists? Are there chronic conditions you need to manage? This self-assessment will guide your plan selection for the upcoming year.

Consider the Following:

• Frequency of doctor visits and types of services used.
• Prescription medications and their potential coverage.
• Planned procedures or new healthcare needs anticipated for 2025.

Taking the time to map out your healthcare requirements now can save you potential stress and financial strain later.

3. Understand Medicare Part B Requirements

Medicare integration is an important part of PSHB, especially for Medicare-eligible postal service retirees and their dependents. Certain individuals must enroll in Medicare Part B to maintain their PSHB coverage. This stipulation is crucial for anyone planning to continue with PSHB and is not currently enrolled in Part B.

What to Do:

• Confirm your eligibility for Medicare Part B and understand how it integrates with your PSHB plan.
• Be aware of exceptions: if you retired on or before January 1, 2025, and are not already enrolled in Part B, certain exceptions may apply.
• Check in with your benefits office if you’re unsure about your Medicare status or Part B enrollment needs.

4. Explore and Compare Your PSHB Plan Options

You have choices within PSHB. This means that while automatic enrollment is an option, it’s a smart move to explore what’s available and compare the benefits, costs, and coverage of each plan. This research ensures you don’t miss out on better-suited options.

Points to Compare:

• Premiums and Cost-sharing: While specifics can’t be outlined, make sure the plan’s costs fit your budget.
• Out-of-Pocket Expenses: Look at deductibles, co-pays, and maximum out-of-pocket limits.
• Network Providers: Confirm that your preferred doctors and specialists are included.
• Prescription Drug Coverage: Ensure your medications are covered and review the formulary.

5. Check Dependent Coverage

If you have dependents who need coverage under your PSHB plan, now is the time to confirm their eligibility and enrollment status. Ensuring that your family members are properly covered will help you avoid unexpected disruptions in their healthcare access.

How to Proceed:

• Verify that all dependents meet eligibility criteria.
• Confirm their enrollment status through your benefits portal.
• Make any necessary updates before the December 9 deadline to avoid issues.

6. Make Sure to Enroll by December 9, 2024

The clock is ticking! December 9, 2024, is the deadline for finalizing your PSHB enrollment. Leaving this until the last minute can cause unnecessary stress, so aim to make your selection well before then.

Helpful Hints:

• Mark the December 9 deadline on your calendar with reminders a week and a few days prior.
• If you run into technical issues while enrolling, contact HR or the benefits support center as soon as possible for assistance.

7. Get Acquainted with Your New Benefits

Once your PSHB plan is locked in, it’s time to familiarize yourself with the specifics. Each plan will have its nuances, so take the time to review your benefits, what is covered, and any changes from your previous FEHB plan.

Areas to Review:

• Preventive Services: Check if services such as screenings and vaccines are covered fully.
• Specialty Care: Understand any authorization processes required for specialist visits.
• Telehealth Services: Look into telemedicine options and availability for virtual consultations.

8. Plan for January 1, 2025

With your PSHB coverage kicking off at the start of the new year, being prepared will make for a smooth transition. This includes having your new member ID card and knowing how to access your benefits from day one.

To-Do List Before January:

• Ensure your new member ID card arrives and is kept in an easily accessible place.
• Set up an online account with your plan provider for quick access to benefits information and claims.
• Note down customer support contact numbers and office hours for quick assistance when needed.

9. Use Available Resources and Tools

Navigating the shift to PSHB can be overwhelming, but there are tools and resources designed to make this process easier. Take advantage of plan comparison tools, cost calculators, and online FAQs available through USPS and other trusted sources.

Recommendations:

• Utilize plan comparison charts to assess plan options side by side.
• Check for any webinars or informational sessions provided by USPS or your benefits office.
• Don’t hesitate to reach out to benefits counselors or union representatives for advice.

10. Check for Additional Perks

Some PSHB plans may come with added benefits that go beyond basic health coverage. Knowing these extras can help you make the most of your plan throughout the year.

Examples of What to Look For:

• Wellness Programs: Programs that reward you for healthy activities or provide reimbursements.
• Preventive Incentives: Check if there are perks for participating in preventive services or screenings.
• Telehealth and Virtual Care: Convenient access to healthcare services that save you time.

Ready for 2025?

Following this checklist ensures that you’ve covered all the necessary bases to enroll in the PSHB program smoothly. The transition might feel daunting, but with preparation, you’ll step into 2025 with confidence, knowing that you and your loved ones are covered and ready for whatever the year brings.