skip to main content
Rural Carrier Benefit Plan
Providing superior service to rural letter carriers nationwide
RCBP subpage

Rural Carrier High Option Health Benefit Plan

The Rural Carrier
Benefit Plan

The Rural Carrier Benefit Plan is sponsored by the National Rural Letter Carriers' Association (NRLCA). For over 50 years, the Rural Carrier Benefit Plan has proudly served the specific needs of NRLCA members and their families

View the Summary of Benefits and Coverage chart.

Enrollment Codes

  • Self Only: 381
  • Self Plus One: 383
  • Self and Family: 382
 
50 years

For over 50 years, the Rural Carrier Benefit Plan has proudly served the specific needs of NRLCA members and their families

 
 

 

Please do not rely on this chart alone. Not all benefits are shown— only those most commonly compared. All benefits and details about specific definitions, limitations, and exclusions are fully described in the Official Plan Brochure.

2018 Premiums
Type of Enrollment Enrollment Code Rural Carriers-Biweekly
Your New Share
Annuitants
Monthly
Your Share
High Option Self Only 381 $80.85 $188.98
High Option Self Plus One 383 $136.68 $325.44
High Option Self & Family 382 $139.42 $331.95

This is a summary of RCBP High Option benefits when you use a doctor that’s part of our network. Out-of-network benefits are also available, so you are free to use any doctor, though it may cost you more.

 

Medical Services Provided by Physicians
High Option Benefit In-Network - You Pay Out-of-Network - You Pay
Diagnostic and treatment services provided in the office 15% of cost 25% of our allowance and any difference between our allowance and the billed amount*
Surgery 10% of our allowance (no deductible) 25% of our allowance and any difference between our allowance and the billed amount

 

Services Provided by a Hospital
High Option Benefit In-Network - You Pay Out-of-Network - You Pay
Inpatient $100 copayment per admission (waived for maternity stay) $300 copayment per admission; 25% of room and board and other charges
Outpatient 15% of our allowance* 30% of our allowance* and any difference between our allowance and the billed amount

 

Emergency Benefits
High Option Benefit You Pay
Accidental injury Nothing for emergency room visit and first physician office visit
Medical emergency Emergency room benefits for In-Network and Out-of-Network services: 15% of the Plan allowance*

 

Prescription Drugs

RCBP knows how important pharmacy benefits are to you—with your plan, you have:

  • Nationwide access to CVS/caremark network pharmacies.
  • Coverage for most FDA-approved medications.
  • Benefits for CVS/caremark mail order and CVS retail pharmacies —get up to a 90 day supply of a maintenance medication at either setting.
  • Access to savings on everyday health-care related items through the CVS/caremark ExtraCare® Health Card Program.
High Option Benefit Tier I Generic - You Pay Tier II Preferred Brand Name - You Pay Tier III Non-Preferred Brand Name - You Pay Tier IV Specialty Drug - You Pay
Network and Non-Network Pharmacy 30% of cost* 30% of cost* 30% of cost*  
Mail order pharmacy (up to a 90 day supply) $10 $30 $47 $80
Mail order pharmacy with Medicare Part B (up to a 90 day supply) $10 $20 $37 $80

 

Dental Care
High Option Benefit You Pay
Dental care Any difference between our scheduled allowance and the billed amount

 

Mental Health & Substance Abuse
High Option Benefit In-Network - You Pay Out-of-Network - You Pay
Inpatient $100 copayment per admission $300 copayment per admission and 25% of the covered charges
Outpatient 15% of our allowance* Out-of-Network: Physician services--25% of Plan allowance and any difference between our allowance and the billed amount*

Facility charges -- 30% of the Plan allowance and any difference between our allowance and the billed amount*

 

Protection Against Catastrophic Costs
High Option Benefit In-Network - You Pay Out-of-Network - You Pay
Protection against catastrophic costs (out-of-pocket maximum)

Note: Benefit maximums apply and some costs do not count toward this protection

Nothing after $4,000/person or $4,500/family per calendar year $5,500/person or $9,000/family per calendar year

 

 
Learn more

Enroll Now

View instructions to enroll in the Rural Carrier Benefit Plan.

Enroll online now »