Key Takeaways

• If you’re unsure who to contact about your USPS health benefits, the right resource depends on whether you’re an employee or a retiree—and what specific help you need.

• There are dedicated websites, phone lines, and support tools available to guide you through the PSHB program, Medicare integration, and general health benefits questions in 2025.

Understanding Your USPS Health Benefits in 2025

The transition to the Postal Service Health Benefits (PSHB) Program has brought changes that affect all USPS employees and retirees. Whether you’re actively working or retired, understanding who to call and where to find support online can save time and prevent costly mistakes.

In 2025, USPS health coverage falls under the PSHB umbrella. This program replaces your former FEHB plan and introduces new requirements, especially for those eligible for Medicare. Getting help means knowing the right contact point for your specific concern.

If You’re a Current USPS Employee

As a USPS employee, your health benefits questions may center around enrollment, eligibility, dependent coverage, or navigating the new PSHB program.

Where to Click

• LiteBlue (https://liteblue.usps.gov): Your central hub for benefits, pay, and personnel services. Use your Employee ID and password to log in.

• PSHB Page on LiteBlue: This section includes plan brochures, FAQs, comparison tools, and enrollment portals during Open Season.

Who to Call

• HR Shared Service Center (HRSSC): 1-877-477-3273 (Option 5)

  • Hours: Monday to Friday, 7 a.m. to 8:30 p.m. Eastern Time

  • Helps with enrollment issues, eligibility questions, and navigating LiteBlue

• PSHB Navigator Help Line: 1-833-712-7742

  • Hours: Monday to Friday, 9 a.m. to 5 p.m. Eastern Time

  • Specific to the PSHB transition and Medicare integration

If You’re a USPS Retiree

As a retiree, the health benefits landscape is different. While you’re no longer using LiteBlue, there are still ways to access information and support.

Where to Click

• KeepingPosted.org: A dedicated site for Postal retirees with information on benefits, Open Season updates, and PSHB guidance.

• Office of Personnel Management (OPM) Website: For federal retiree benefit questions, including annuities and survivor benefits.

Who to Call

• PSHB Navigator Help Line: 1-833-712-7742

  • Best resource for retirees navigating Medicare Part B requirements and PSHB changes

• OPM Retirement Services: 1-888-767-6738

  • Helps with retirement annuities, survivor benefit elections, and mailing address updates

• Medicare: 1-800-MEDICARE (1-800-633-4227)

  • For questions about Part A and Part B enrollment, coverage, and billing

Key Issues You Might Need Help With

Not every question has the same answer or the same point of contact. Below are the most common reasons you might seek help—and who you should reach out to.

1. Enrolling in PSHB for the First Time

• Employees should use LiteBlue during Open Season (November to December).

• Retirees should refer to KeepingPosted.org and contact the PSHB Navigator Help Line for support.

2. Understanding Medicare Part B Requirements

If you’re a Medicare-eligible retiree or a covered family member, you may be required to enroll in Medicare Part B in 2025 to maintain full PSHB benefits.

• PSHB Navigator Help Line can confirm if you must enroll.

• Medicare (1-800-MEDICARE) can walk you through the enrollment process.

3. Prescription Drug Coverage Questions

PSHB automatically provides drug coverage through an Employer Group Waiver Plan (EGWP) for those enrolled in Medicare.

• Questions about eligibility, coverage, or opting out should go to the PSHB Navigator Help Line.

• Opting out may result in loss of drug coverage, with limited re-enrollment opportunities.

4. Updating Contact Information or Family Status

• Employees: Log in to LiteBlue to update dependent or address details.

• Retirees: Contact OPM at 1-888-767-6738 to update mailing addresses or report family status changes.

5. FEHB vs. PSHB Plan Confusion

Because PSHB replaces FEHB for USPS workers and retirees starting January 1, 2025, it’s important to review the plan differences.

• Use the comparison tool on LiteBlue or KeepingPosted.org.

• Contact the PSHB Navigator Help Line if you’re unsure about the switch.

When Open Season Comes Around

The PSHB Open Season runs each year from mid-November to mid-December. This is your window to:

• Enroll in or change your health plan

• Add or remove family members

• Review your plan’s premiums, cost-sharing, and coverage

Resources During Open Season

• Employees: Use LiteBlue for comparison tools and plan brochures.

• Retirees: Use KeepingPosted.org or call the PSHB Navigator Help Line.

Keep in mind, changes made during Open Season become effective January 1 of the following year.

Special Enrollment Periods

Beyond Open Season, you can only change your PSHB coverage due to specific life events, known as Qualifying Life Events (QLEs). These include:

• Marriage or divorce

• Birth or adoption of a child

• Death of a covered family member

• Moving outside your plan’s service area

Use these contacts for assistance:

• Employees: HRSSC at 1-877-477-3273 (Option 5)

• Retirees: OPM or PSHB Navigator Help Line

Questions About Other Benefits

Your PSHB plan is only one part of your total benefits package. You may need to contact other agencies for help with:

• Dental and Vision Plans (FEDVIP): Managed separately through BENEFEDS

• Life Insurance (FEGLI): Contact OPM for updates and claims

• Flexible Spending Accounts (FSAFEDS): Employees only; managed through a separate website

• Thrift Savings Plan (TSP): Contact the TSP ThriftLine or log in to tsp.gov

Stay Updated With Official Sources

It’s important to get your information from reliable places. Misinformation can lead to missed deadlines or lost coverage. Stick with:

• USPS Employee News (via LiteBlue)

• KeepingPosted.org updates

• OPM communications

• Official PSHB mailings or emails

Final Steps Before Making a Call

Before calling a help line, gather your information:

• Your Employee ID or CSA number

• Names and birthdates of family members (for dependent questions)

• Medicare ID number (if applicable)

• A list of your current medications (for drug coverage questions)

Having this ready can make your call faster and more effective.

Know Who to Trust With Your Questions

As a USPS employee or retiree, your health coverage is an essential part of your benefits. But with the 2025 changes, it’s easy to feel overwhelmed. The good news is that help is out there—you just need to know where to look and who to ask. Whether you’re reviewing plans during Open Season, transitioning into retirement, or wondering about Medicare, getting personalized help is only a phone call or click away.

Need help choosing a PSHB plan or understanding how Medicare affects your coverage? Reach out to a licensed agent listed on this website for expert assistance tailored to your situation.