Key Takeaways

• While the PSHB Navigator Help Line is a critical first stop for many USPS employees and retirees, several official and lesser-known resources provide deeper, unbiased insight into plan options, enrollment timelines, and Medicare integration.

• Understanding the difference between sources that offer general information and those that provide personalized advice can help you avoid costly mistakes and missed deadlines during the PSHB transition in 2025.

Why Finding the Right PSHB Information Matters More in 2025

The transition from the Federal Employees Health Benefits (FEHB) program to the Postal Service Health Benefits (PSHB) Program in 2025 has introduced several new rules, deadlines, and integration requirements—especially for those who are Medicare-eligible. As a USPS employee, annuitant, or eligible family member, having access to reliable, unbiased answers is not just helpful—it’s essential. Missteps could lead to coverage gaps, higher costs, or loss of eligibility.

In a sea of information, it can be difficult to determine where to find accurate, up-to-date, and trustworthy help. This article breaks down the best official and supplementary resources for PSHB information, so you can move forward with clarity and confidence.

Start with the Official Source: OPM.gov

The U.S. Office of Personnel Management (OPM) administers the PSHB Program and remains the most authoritative source of information.

What You Can Find:

• Official plan brochures for every available PSHB plan

• Enrollment instructions and eligibility rules

• Updates on Medicare integration, exceptions, and deadlines

• Cost-sharing details such as copayments, deductibles, coinsurance, and out-of-pocket limits

Why It Matters: Unlike third-party sources, the OPM website presents details directly from the agency responsible for overseeing PSHB administration. You won’t get sales pitches or filtered summaries—just factual information.

Best Use: Use OPM.gov when you need to verify costs, confirm deadlines, or compare official plan features.

Use the PSHB Navigator Help Line for General Enrollment Questions

The PSHB Navigator Help Line (1-833-712-7742) is a designated phone resource provided specifically for Postal Service employees and annuitants.

What They Can Help With:

• Understanding whether you are required to enroll in Medicare Part B

• Clarifying if you are subject to PSHB automatic enrollment

• Confirming your eligibility during the Open Season (typically November to December)

• Providing help with form submissions or general coverage questions

What They Can’t Do:

• Recommend one plan over another

• Provide personalized financial advice

• Estimate your individual out-of-pocket costs under specific plans

Best Use: Call when you need clarification on PSHB rules, especially about enrollment periods, eligibility, and integration with Medicare.

Visit LiteBlue (for Employees) or KeepingPosted.org (for Retirees)

Your employment status determines which portal provides relevant access:

• LiteBlue is for active USPS employees.

• KeepingPosted.org is designed for annuitants and retirees.

What You Can Find:

• Personalized Open Season materials

• Information about your current benefits and upcoming changes

• Instructions to make changes during Open Season

• Notices about PSHB enrollment if you’re eligible for automatic enrollment

Why It Matters: These sites give you USPS-specific access based on your employment or retirement status, which ensures the information you receive applies directly to your situation.

Get Medicare-Specific PSHB Info from Medicare.gov

If you’re Medicare-eligible, you have an added layer of complexity. While PSHB integrates with Medicare Part B and offers enhanced pharmacy benefits via Part D EGWP plans, many questions arise around enrollment requirements and timing.

What You Can Learn:

• Medicare Part B enrollment timelines and penalties

• How your PSHB plan interacts with Medicare

• What coverage is primary and secondary under coordination rules

• Whether you qualify for a Special Enrollment Period

Why It Matters in 2025: For most annuitants and their covered family members who are Medicare-eligible, enrolling in Medicare Part B is mandatory to maintain PSHB coverage, unless they fall into specific exempt categories.

Best Use: Use Medicare.gov for questions involving premiums, coverage gaps, coordination of benefits, and enrollment options.

Check Your Annual Notice of Change (ANOC) and Plan Brochures

Every fall, you should receive a document called the Annual Notice of Change (ANOC) and updated PSHB plan brochures.

Why These Matter:

• The ANOC details what’s changing in your current plan for the upcoming year

• Brochures include side-by-side plan comparisons, cost breakdowns, and benefit summaries

How to Use Them Wisely:

• Review ANOC changes before Open Season begins in November

• Cross-reference brochures with OPM.gov data to confirm that summaries match

• Pay attention to changes in out-of-pocket maximums, deductibles, and prescription drug coverage

Understand Plan Features Through the PSHB Comparison Tools

Some federal and independent organizations provide comparison tools that use official OPM data but organize it in a more user-friendly way.

Common Features Include:

• Side-by-side comparisons of premiums, copayments, and covered services

• Filters to adjust based on your ZIP code, retirement status, or Medicare enrollment

• Breakdown of expected out-of-pocket costs based on age and usage patterns

Why It Helps: If you’re overwhelmed by official brochures, these tools allow you to interact with the data in a way that’s easier to digest. They don’t recommend plans but help you understand differences more clearly.

Use PostalEASE to Make Your PSHB Enrollment Official

Once you’ve chosen your plan, the platform you use to make it official depends on your employment status:

• Active Employees: Use PostalEASE via LiteBlue

• Annuitants: Use OPM Retirement Services or KeepingPosted.org

Why Accuracy Is Critical: Enrollment errors—even minor ones—can lead to months of delays or incorrect coverage. Be sure all dependent information is accurate, and that plan selections reflect your intended choice.

Timeframe to Watch: The 2025 Open Season typically runs from early November to mid-December. Changes take effect on January 1, 2026. Outside of this period, changes are only allowed for qualifying life events.

Know the Limits of Online Forums and Social Media Groups

While online communities can be helpful for general discussion, they should never replace official sources.

Risks Include:

• Outdated or incorrect information

• Personal anecdotes that don’t apply to your situation

• Unlicensed individuals giving advice that appears authoritative

When It Might Help: These forums are sometimes useful for navigating user experiences, such as what to expect during enrollment or how others coordinated PSHB with Medicare. Still, you should verify anything you read with official channels.

Watch Out for Sales Pitches Disguised as Help

Some websites or agents may offer what appears to be assistance but are really trying to sell private plans that are not part of PSHB.

Red Flags:

• Promises of unusually low premiums or “lifetime coverage”

• Pressure to switch from PSHB to a different type of plan

• Lack of disclosure that the information is coming from a private company

Best Practice: Always verify the source. If it’s not OPM, USPS, or a trusted government-affiliated platform, proceed cautiously.

It All Comes Down to Source Credibility

Every decision you make about your PSHB coverage in 2025—from Medicare integration to plan selection—should be based on facts, not assumptions or opinions. Using credible, unbiased sources not only protects your coverage but gives you confidence in every step of the process.

Don’t wait until the last minute. Make use of OPM, LiteBlue, KeepingPosted.org, and the PSHB Navigator Help Line to review your options early. And when in doubt, it’s always best to consult someone authorized to guide you.

Clear, Reliable Help Is Always Within Reach

Getting the right answers isn’t about luck—it’s about knowing where to look. The good news is that reliable information about your PSHB plan and enrollment is closer than you think. Take the time to explore the official channels and use the tools made available to you. Your future healthcare coverage deserves that level of attention.

For additional support or plan-specific guidance, get in touch with a licensed agent listed on this website. They can help you evaluate your options and ensure you’re on the right track.