Key Takeaways

• KeepingPosted.org provides USPS retirees with centralized access to manage, understand, and make decisions about their Postal Service Health Benefits (PSHB) coverage in 2025.

• By using the platform, you can review health plan details, learn about Medicare integration requirements, and make changes during Open Season or following a qualifying life event.

Why USPS Retirees Need KeepingPosted.org in 2025

As of 2025, the USPS health benefits landscape has undergone a significant shift. The introduction of the Postal Service Health Benefits (PSHB) Program replaces FEHB for Postal Service employees, retirees, and their eligible family members. If you’re retired from USPS, this change means new rules, new plan options, and new integration with Medicare if you’re eligible.

KeepingPosted.org is the central hub for retirees like you to stay in control of your health coverage. Whether you’re navigating Open Season or adjusting coverage due to a life change, this site equips you with the information and tools you need to make informed decisions.

Understanding the Role of KeepingPosted.org

KeepingPosted.org is maintained by the Office of Personnel Management (OPM) and tailored specifically to Postal Service annuitants. Its features help you:

• Understand eligibility rules and plan requirements under PSHB

• Access plan comparison tools during Open Season (Nov to Dec each year)

• Stay up to date with Medicare Part B requirements

• Initiate changes due to qualifying life events

• Read PSHB brochures and updates from OPM

You’re no longer managing your benefits through the employee-specific LiteBlue portal. As a retiree, KeepingPosted.org is now your go-to source.

What You Can Do on KeepingPosted.org

The platform is designed to make it easy for you to take control. Here’s what you can expect to find:

1. Review Plan Options

Each year, during Open Season, you can explore plan brochures and coverage details directly on the website. It helps you:

• Compare deductibles, coinsurance, and copayments

• Understand coverage for specialists, primary care, emergency visits

• Review out-of-pocket limits for Self Only, Self Plus One, and Self & Family plans

The plans you see are tailored to Postal Service retirees, not the broader federal population, so you’re getting relevant information.

2. Learn About Medicare Requirements

If you’re eligible for Medicare, KeepingPosted.org explains how PSHB and Medicare Part B work together. In 2025, Medicare Part B enrollment is required for most Medicare-eligible annuitants and family members to maintain PSHB coverage.

The website clarifies:

• Who must enroll in Medicare Part B

• What the exceptions are (retired before Jan 1, 2025, etc.)

• How Medicare integrates with PSHB prescription drug coverage

This section is critical if you’re approaching age 65 or already enrolled in Medicare.

3. Understand Prescription Drug Benefits

Starting in 2025, PSHB prescription drug benefits are integrated with Medicare Part D through an Employer Group Waiver Plan (EGWP). KeepingPosted.org helps you understand:

• The $2,000 annual out-of-pocket cap for prescription drugs

• What happens if you opt out of the drug benefit

• How the expanded pharmacy network works

The prescription benefit integration is automatic if you meet the eligibility criteria. But if you opt out, you may lose access to drug coverage under PSHB.

4. Access Resources and FAQs

KeepingPosted.org includes detailed brochures, FAQ documents, and helpful links so you can get answers to:

• Enrollment deadlines

• Premium payment options as a retiree

• What to do if you move overseas

• What counts as a qualifying life event

These resources are available year-round, not just during Open Season.

5. Get Support When Needed

If you have trouble accessing or understanding something, the site also lists contact information for:

• The PSHB Navigator Help Line

• Medicare coordination support

• Retirement benefits questions via OPM

You can also learn how to authorize someone else to help manage your benefits.

Timelines and Deadlines to Know in 2025

Keeping track of deadlines is critical to avoiding gaps in coverage. Here’s how KeepingPosted.org keeps you informed:

• Medicare Part B Special Enrollment Period (SEP): This ran from April 1 to September 30, 2024, for those required to enroll.

• Open Season: Occurs annually from November to December. In 2025, this is your chance to make changes to your PSHB plan.

• Qualifying Life Events (QLEs): Changes outside Open Season are allowed only if you experience a QLE. The site outlines what qualifies and how long you have to act (generally within 60 days of the event).

Make sure to check the site regularly or sign up for notifications so you don’t miss any important dates.

Keeping Your Coverage Aligned With Your Needs

Life changes. Your health needs evolve. KeepingPosted.org helps you reassess whether your current plan is still the right fit. You can:

• Evaluate costs like monthly premiums, deductibles, and coinsurance

• Consider switching from a high-deductible to a lower-deductible option (or vice versa)

• Add or remove family members based on eligibility

The platform encourages you to make thoughtful decisions based on current needs, not just past choices.

When You Move or Travel Abroad

If you move out of your service area or go overseas, KeepingPosted.org helps you navigate how that affects your PSHB coverage. Key details include:

• Whether your plan provides overseas coverage

• How to maintain Medicare coverage if you’re living abroad

• What address changes need to be reported and how

International moves come with specific responsibilities, and this site walks you through them.

What Happens If You Miss a Deadline

Failing to enroll in Medicare Part B (if required) or missing Open Season can have consequences. KeepingPosted.org outlines what happens in these cases:

• You may lose eligibility for your PSHB plan if you don’t enroll in Part B when required

• Missing Open Season means you must wait until the next year or a QLE to make changes

• Opting out of the drug benefit limits your ability to re-enroll

The platform stresses planning ahead and reviewing your options on time.

Planning for the Long Term

KeepingPosted.org isn’t just a once-a-year tool. You should think of it as your retirement health benefits companion. Here’s why you’ll want to revisit it regularly:

• Annual PSHB changes are posted in advance of Open Season

• Medicare rules can shift, and new coordination details may emerge

• Premiums and cost-sharing amounts can change yearly

• Family circumstances might impact your enrollment options

Bookmarking the site and checking in every few months can help you stay ahead.

Why It Matters More in 2025

The switch from FEHB to PSHB is one of the most significant retiree healthcare changes for USPS in decades. As a retiree, you’re no longer automatically part of the broader federal system. Instead, PSHB is built specifically for the Postal Service community—and you.

That means your benefits, rules, and resources are now unique to this group. KeepingPosted.org is the single most important resource for understanding what applies to you and making the right coverage decisions.

Staying Confident With Your Health Coverage Choices

You’ve earned your retirement—and with it, the right to quality, reliable health coverage. KeepingPosted.org helps you:

• Stay organized and informed

• Make timely updates to your PSHB coverage

• Understand how Medicare fits into your benefits

• Protect your access to prescription drugs, specialists, and preventive care

Using the site regularly ensures you don’t leave anything to chance.

Take the Next Step Toward Smarter Coverage Decisions

KeepingPosted.org empowers you to make informed decisions, especially with so many changes to USPS retiree benefits in 2025. Staying proactive means fewer surprises and more peace of mind.

If you’re uncertain about what steps to take or need help comparing your PSHB options, speak with a licensed agent listed on this website for professional advice tailored to your situation.