2027 PSHB Open Season • Nov 9 – Dec 14, 2026
NALC Health Benefit Plan — One-Stop Member Hub & Savings Calculator
Compare your 2027 paycheck deductions, look up free wellness programs for 45+ health conditions, calculate your Wellness Rewards, and switch in 5 minutes.
| Condition / Health Need | High Option Program & Cost | CDHP Program & Cost | Direct Phone & Link |
|---|
⚡ 2027 NALC Benefit Highlights (Booklet Quick-Reference)
Primary Care, Specialist, Urgent Care & Mental Health:$25 Copay (HO) | 20% after PCA/Ded (CDHP)
24/7 Virtual Visits (Telehealth & Telemental Health):$10 Copay (HO Amwell) | 10% after Ded (CDHP MDLIVE)
In-Network Preventive Care:$0 (100% Covered on Both Plans)
Preferred Labs (Quest Diagnostics or LabCorp):$0 Nothing Out-of-Pocket (HO)
Routine Maternity Care & Accidental Injury (w/in 72 hrs):$0 Nothing Out-of-Pocket (HO)
Inpatient Hospital / Outpatient Surgery (HO):$350/admission | Surgery: 15% (No Deductible!)
Asthma, Diabetes & Hypertension Generic Rx (30-Day):10% of allowance (HO) | 15% after Ded (CDHP)
Formulary Insulin Cap (High Option):$35 max (30-day) / $105 max (90-day Mail Order)
In-Network Medical Out-of-Pocket Max:$3,500 Self / $7,000 Fam (HO) | $6,600 / $12,000 (CDHP)
Separate Prescription Out-of-Pocket Max (HO):$3,100 Self / $5,000 Fam ($2,400 w/ SilverScript PDP!)
CDHP Personal Care Account (PCA) Funded by NALC:$1,200/yr Self (rolls to $5k) | $2,400/yr Fam (rolls to $10k)
🎁 Interactive 2027 Wellness Rewards Calculator
Check off activities below to see how many health savings dollars each enrolled person earns per calendar year (Booklet p. 2):
High Option Earned Rewards:
$160 / person
CDHP Earned Rewards:
$85 / person
📲 How to Enroll During Open Season (Nov 9 – Dec 14, 2026): Visit health-benefits.opm.gov/pshb (sign in with Login.gov) and enter 77A (HO Self), 77B (HO Family — $19.63/chk cheaper than 77C Self+One!), 77C (HO Self+One), 77D (CDHP Self), 77F (CDHP Self+One), or 77E (CDHP Family).
🏥 Core Plan & Medical Hotlines
NALC High Option Customer Service:888-636-NALC (6252)
NALC CDHP Customer Service:855-511-1893
Cigna OAP Providers (5.7M+ locations):877-220-NALC (6252)
Cigna Transplant & Precertification:800-668-9682
💊 Pharmacy & Behavioral Health
CVS Caremark Pharmacy (68,000+ stores):800-933-NALC (6252)
CVS Specialty Mail Order:800-237-2767
Optum 24-Hr Mental Health (HO):877-468-1016
Optum 24-Hr Substance Use Hotline:855-780-5955
🏅 Retiree Medicare & QLE Help
Aetna Medicare Advantage ($900/yr Rebate):866-241-0262
SilverScript Medicare Part D (EGWP):833-272-9886
HealthEquity ($600/yr Part B Rebate):844-768-5644
PSHB Helpline / Active HRSSC / OPM:844-451-1261 | 877-477-3273