What’s your type?

Do you know the differences between the four types of health plans available during open season?

Four types of health plans are available during this year’s open season, the annual period when Postal Service employees can make changes to their health coverage.

The plan types are:

  • Health maintenance organizations (HMOs), which provide care from plan physicians and hospitals located in particular geographic or service areas
  • Fee-for-service plans with preferred provider organizations (PPOs), which allow employees to choose physicians, hospitals and other health care providers within a plan’s network
  • Consumer-driven health plans (CDHPs), which give users more freedom in spending health care dollars and often require users to pay for certain up-front medical costs
  • High-deductible health plans (HDHPs), which offer comprehensive coverage for high-cost medical events and a tax break to save for future medical expenses through health savings accounts (HSAs)

USPS encourages you to take time to learn about the available plans and find one that best fits your needs and the needs of your family.

The Open Season LiteBlue site has additional information, as well as access to Checkbook’s Guide to Health Plans, a resource that can help you evaluate and compare specific plans.