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
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.
| Type of Enrollment | Enrollment Code | Rural Carriers-Biweekly Your New Share | Annuitants Monthly Your Share |
|---|---|---|---|
| High Option Self Only | 381 | $126.72 | $274.56 |
| High Option Self Plus One | 383 | $226.75 | $491.30 |
| High Option Self & Family | 382 | $219.46 | $475.50 |
| High Option Benefit | In-Network – You Pay | Out-of-Network – You Pay |
|---|---|---|
| Diagnostic and treatment services provided in the office | 15% of cost* | 30% of our allowance and any difference between our allowance and the billed amount* |
|
Office visit by primary care provider (including telemedicine) |
$20 copayment | 30% of our allowance and any difference between our allowance and the billed amount* |
|
Office visit by specialist (including telemedicine) |
$35 copayment | 30% of our allowance and any difference between our allowance and the billed amount* |
| Surgery | 15% of our allowance (no deductible) | 30% of our allowance and any difference between our allowance and the billed amount |
| Telehealth through DialCare® | Nothing | No benefit |
| High Option Benefit | In-Network – You Pay | Out-of-Network – You Pay |
|---|---|---|
| Inpatient (24 hours or more) | $200 copayment per admission (waived for maternity stay) | $400 copayment per admission; 30% 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 |
| High Option Benefit | In-Network – You Pay | Out-of-Network – You Pay |
|---|---|---|
| Accidental injury | Nothing for emergency room visit and first physician office visit | Nothing excpet the difference between the Plan allowance and the billed amount (No deductible) |
| Medical emergency | Emergency room $200 copayment | Emergency room $200 copayment and any difference between the Plan allowance and the billed amount |
| Medical emergency | Services in a primary care provider’s office $20 copayment Services in a specialist provider’s office $35 copayment | 15% of the Plan allowance and any difference between our allowance and the billed amount |
|
RCBP knows how important pharmacy benefits are to you—with your plan, you have:
|
||||
|---|---|---|---|---|
| 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 Retail Pharmacy | 30% of cost*, maximum $7.50 per prescription | 30% of cost*; maximum $200 per prescription | 30% of cost*; maximum $200 per prescription | NA |
| Out-of-network Retail Pharmacy | 30% of cost* | 30% of cost* | 30% of cost* | NA |
| Mail order pharmacy (up to a 90 day supply) | $10 | $50 | $80 | $80 for a 30 day supply and $125 for a 90 day supply |
| Mail order pharmacy with Medicare Part B (up to a 90 day supply) | $10 | $40 | $70 | $80 for a 30 day supply and $125 for a 90 day supply |
| High Option Benefit | You Pay |
|---|---|
| Dental care | Any difference between our scheduled allowance and the billed amount. See section 5(g). Dental Benefits of the Official Plan Brochure for more covered benefits and our fee schedule |
| High Option Benefit | In-Network – You Pay | Out-of-Network – You Pay |
|---|---|---|
| Inpatient (24 hours or more) | Your cost-sharing responsibilities are no greater than for other illnesses or conditions. | Your cost-sharing responsibilities are no greater than for other illnesses or conditions. |
| Outpatient | Your cost-sharing responsibilities are no greater than for other illnesses or conditions. | Your cost-sharing responsibilities are no greater than for other illnesses or conditions. |
| High Option | In-Network | Out-of-Network |
|---|---|---|
| A deductible is a fixed amount of covered expenses you must incur for certain covered services and supplies before we start paying benefits for them. | Self Only $350; Self Plus one or Self and Family coverage $700 | Self Only $800; Self Plus one or Self and Family coverage $1600 |
| 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 $5,000 per person for Self Only enrollment or $10,000 for Self Plus one or Self and Family enrollment per calendar year | $7,000 per person for Self Only enrollment or $14,000 for Self Plus one or Self and Family enrollment per calendar year |
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.
*Calendar year deductible applies.
