Postal Service Health Benefits Program
Medical Mutual offers great healthcare coverage for postal service annuitants who live or work in the following northern Ohio counties: Allen, Ashland, Ashtabula, Auglaize, Columbiana, Cuyahoga, Defiance, Erie, Fulton, Geauga, Henry, Huron, Lake, Lorain, Lucas, Mahoning, Medina, Mercer, Ottawa, Portage, Putnam, Richland, Sandusky, Seneca, Stark, Summit, Trumbull, Wayne, Williams and Wood.
If you are a PSHB employee, please click here to access more benefit information.
Plan Highlights for 2025
For Annuitants
As a PSHB Annuitant, you are automatically enrolled in the PSHB Standard or Basic option (through Medical Mutual’s MedFlex Provider network), depending on what coverage is comparable to your current plan.
Beginning this year, annuitants have the option to join the PSHB Medicare Advantage PPO Plan (through Medical Mutual’s MedMutual Advantage® network) in addition to your current coverage through the PSHB Standard or Basic plan. The PSHB Medicare Advantage PPO Plan encompasses all the benefits of Original Medicare (Parts A and B), plus Part D prescription drug coverage.
Emergency Services Copay: Please note the copay for emergency care will increase from $300/visit to $325/visit. The copay will be waived if the member is admitted directly to the hospital as an inpatient.
Prescription Drug Information
Pharmacy Network: You will have access to the National Medicare Performance network for retail prescriptions in 2025.
Drug Formulary: Please take time to review the 2025 Primary Access Formulary.
To review all annuitant prescription drug information, click here.
How to Enroll in a PSHB Plan
Annuitants can enroll online. Visit https://health-benefits.opm.gov/PSHB or call 1-844-451-1261 for assistance with the enrollment process.
To enroll in the PSHB Medicare Advantage plan, click here or call Medical Mutual toll free at 1-800-801-4823 (TTY: 711 for hearing impaired).
Customer Care Specialists are available to answer your call from 8 a.m. to 8 p.m., seven days a week from Oct. 1 to March 31 (except Thanksgiving and Christmas), and 8 a.m. to 8 p.m. Monday through Friday from April 1 to Sept. 30 (except holidays).
PSHB Enrollment Codes for the Standard and Basic Medical Mutual Annuitant Plans
| Plan | Category | Type of Enrollment | Enrollment Code |
|---|---|---|---|
| Standard Option with PDP | Annuitant | Self | D3D |
| Standard Option with PDP | Annuitant | Self Plus One | D3F |
| Standard Option with PDP | Annuitant | Self and Family | D3E |
| Basic Option with PDP | Annuitant | Self | D3A |
| Basic Option with PDP | Annuitant | Self Plus One | D3C |
| Basic Option with PDP | Annuitant | Self and Family | D3B |
Medicare Advantage PPO Plan
| Plan | Category | Type of Enrollment | Enrollment Code |
|---|---|---|---|
| Standard Option | Annuitant | Self | D3D |
| Basic Option | Annuitant | Self | D3A |
2025 Plan Documents
- 2025 PSHB Plan Brochure (Northern Ohio) — Our plan brochure gives you an in-depth description of what is covered by our plans and provides instructions for enrolling.
- 2025 Coverage Guide – Review this reference guide to help you get the most out of your 2025 benefits.
- Over-the-Counter (OTC) COVID-19 Test Reimbursement Claim Form
- Over-the-Counter (OTC) COVID-19 Tests Reimbursement Process Flyer
- Updates Regarding the COVID-19 National Emergency and the Public Health Emergency (PHE on May 11, 2023
Summary of Benefits and Coverage (SBC) and Uniform Glossary
- 2025 Summary of Benefits and Coverage (SBC) for Basic Option with PDP (73-928)
- 2025 Summary of Benefits and Coverage (SBC) for Standard Option with PDP (73-928)
- Uniform Glossary — Find a list of commonly used healthcare terms and definitions designed to be used with an SBC.
Additional Information
Find a Provider
View what providers are in your plan's network here.
Wellness Programs
We offer a variety of programs and tools that promote a healthy lifestyle. Please refer to your Postal Service Health Benefits Plan Guide to learn more about our resources and how they can help you reach your wellness goals.
Need Help?
For more detailed plan information, refer to your 2025 PSHB Brochure (RI 73-928) or call Customer Care toll free at 1-800-315-3144 (TTY: 711 for hearing impaired).
Other resources are also available:
PSHB Helpline Support: 1-844-451-1261
Calls will be routed to appropriate customer support resource
Open 7:00 a.m. to 8:45 p.m. EST, Monday through Friday
PSHB Enrollment Support: https://health-benefits.opm.gov/PSHB/