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Rural Carrier Benefit Plan
Providing superior service to rural letter carriers nationwide

Rural Carrier Benefit Plan

A plan with your health care needs and budget in mind

Health coverage that delivers like you do

As a Rural Letter Carrier, and a member of the NRLCA, you have the exclusive opportunity to take advantage of a health benefit plan designed just for you.

With a nationwide network of doctors and hospitals and no referrals needed to see a specialist, we make it both easy and convenient for you to take advantage of your in-network benefits. Sure, you can find in-network doctors in Chicago, New York and L.A., but you can also find them in Odessa, Texas; Elko, Nevada; and Rocky Mount, North Carolina. With over 2 million providers in-network, you can find someone almost anywhere.

The RCBP High Option is setting a higher standard for Postal Service employee health plans — with predictable costs for doctor visits, maternity care and covered lab tests.

With a nationwide network of doctors and hospitals and no referrals needed to see a specialist, we make it both easy and convenient for you to take advantage of your in-network benefits. Sure, you can find in-network doctors in Chicago, New York and L.A., but you can also find them in Odessa, Texas; Elko, Nevada; and Rocky Mount, North Carolina. With over 1.8 million providers in-network, you can find someone almost anywhere.

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2024 FEHB HIGH OPTION RATES

These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency which maintains your health benefits enrollment.

Federal Employees (biweekly)

  • Self Only (CODE 381): $130.99
  • Self Plus One (CODE 383): $251.57
  • Self and Family (CODE 382): $234.11

Annuitants (monthly)

  • Self Only (CODE 381): $283.81
  • Self Plus One (CODE 383): $545.07
  • Self and Family (CODE 382): $507.24

2025 RCBP HIGH OPTION RATES

These rates do not apply to all enrollees.  If you are in a special enrollment category, please refer to the PSHB Program website or contact the agency which maintains your health benefits enrollment.

Postal Service Employees (biweekly)

  • Self Only (CODE 79A): $146.51
  • Self Plus One (CODE 79C): $282.53
  • Self and Family (CODE 79B): $273.37

Annuitants (monthly)

  • Self Only (CODE 79A): $317.44
  • Self Plus One (CODE 79C): $612.15
  • Self and Family (CODE 79B): $592.30

Note: Two-person families are not required to enroll in Self Plus One. You can enroll in Self and Family.

Benefit highlights

When you use an in-network provider, you have benefits like:

100%

coverage for preventive care and maternity

$20

copayment for primary care doctors’ office visits

$35

copayment for specialist doctors’ office visits

100%*

coverage for treatment of cancer

100%

coverage for emergency room treatment due to an accidental injury

$200**

copayment for an inpatient hospitalization or emergency room visit

*This benefit is the same for both in-network and out-of-network providers
**Copay waived for treatment due to an accidental injury

And it’s not just about benefits or our broad provider network. It’s also about services and programs designed to complement your benefits and help you achieve and enjoy good health.

Why choose RCBP:

  • Dedicated customer service team.
  • Outstanding plan satisfaction, per OPM.gov Consumer Satisfaction Survey Results. If you aren’t happy, we aren’t happy.
  • A large, nationwide network of over 1.9 million capable care providers and hospitals. When you need care, it’s never too far.
  • No referrals required to see a specialist. No jumping through hoops to see the right doctor.
  • Services and programs designed to complement your benefits.

Enroll today and discover countless reasons to smile!

Great coverage. Telehealth. Wellness Rewards.

  • Up to $400 in wellness rewards
  • No out-of-pocket costs for maternity care
  • No additional cost MinuteClinic® visits at a CVS Pharmacy® location
  • No additional cost for telehealth services through Teladoc Health
  • No additional cost for Lab Savings Program
RCBP High Option rates and enrollment codes

RCBP’s High Option in-network benefits have you covered

Complete coverage at a price that may surprise you. With copays for most services, the RCBP High Option will help make your out-of-pocket expenses more predictable.

2025 Benefits

Please do not rely on these charts 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.

This is a summary of RCBP High Option benefits when you use network providers. Do not rely on this chart alone. Not all benefits are shown below — only those most commonly compared. All benefits and details about specific definitions, limitations, and exclusions are fully described in the Official Plan Brochure.

Medical Benefits In-network Benefits — You Pay
Preventive Care $0
Doctor visits, primary care office $20 copayment
Doctor visits, specialist office $35 copayment
Doctor visits, hospital or home 15% of Plan allowance*
MinuteClinic® visits $0
Walk-in clinic visits $10
Diagnostic tests (lab tests, X-rays, etc.) 15% of Plan allowance*
Lab Savings Program with LabCorp® or Quest Diagnostics® $0
Telehealth services through Teladoc Health $0
Maternity $0
Chiropractic $20 copayment
Acupuncture 15% of Plan allowance, up to 30 visits
Surgery 15% of Plan allowance
Inpatient hospitalization $200 copayment
Outpatient hospital 15% of Plan allowance*
Emergency room, accidental injury $0
Emergency room, medical emergency $200 copayment
Urgent care center, accidental injury $0
Urgent care center, medical emergency $35 copayment
Calendar-year medical deductible $350 per person; $700 per family
*Must meet deductible first
High Option Benefit In-Network – You Pay Out-of-Network – You Pay
Diagnostic and treatment services provided in the office 15% of our allowance* 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 Teladoc Health® 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, urgent care visit or first physician office visit (No deductible) The difference between our allowance and the billed amount (No deductible)
Medical emergency Emergency room $200 copayment (No deductible) Emergency room $200 copayment and any difference between our allowance and the billed amount (No deductible)
Medical emergency Services in a primary care provider’s office $20 copayment Services in a specialist provider’s office $35 copayment (No deductible) 15% of the Plan allowance and any difference between our allowance and the billed amount (No deductible)
Non-specialty Pharmacy
Pharmacy Tier I (Generic) Tier II (Brand Name on primary drug list) Tier III (Brand Name not on primary drug list)
Network Retail Pharmacy (up to a 34-day supply) 30% of cost*; maximum $7.50 per prescription 30% of cost*; maximum $200 per prescription 30% of cost*; maximum $200 per prescription
Network Retail Pharmacy, Medicare Part B primary (up to a 34-day supply) 30% of cost (No deductible); maximum $7.50 per prescription 30% of cost (No deductible); maximum $200 per prescription 30% of cost (No deductible); maximum $200 per prescription
Out-of-Network Retail Pharmacy (up to a 34-day supply) 30% of cost* 30% of cost* 30% of cost*
Out-of-Network Retail Pharmacy, Medicare Part B primary (up to a 34-day supply) 30% of cost (No deductible) 30% of cost (No deductible) 30% of cost (No deductible)
CVS Retail Pharmacy or CVS Caremark mail service (up to 90-day supply) $10 (No deductible) $50 (No deductible) $80 (No deductible)
CVS Retail Pharmacy or CVS Caremark mail service, Medicare Part B primary (up to 90-day supply) $10 (No deductible) $40 (No deductible) $70 (No deductible)

* Note: Calendar year pharmacy deductible applies

Specialty Pharmacy
Pharmacy Tier IV ( Specialty generic drugs) Tier V (Specialty preferred brand drugs) Tier VI (Specialty non-preferred brand drugs)
CVS Caremark Specialty Pharmacy 30-day supply (includes when Medicare Part B coverage) $70 (No deductible) $90 (No deductible) $120 (No deductible)
CVS Caremark Specialty Pharmacy, 90-day supply (includes when Medicare Part B coverage) $100 (No deductible) $125 (No deductible) $250 (No deductible)

Specialty drugs are used to treat chronic complex conditions and require special handling and close monitoring and must be obtained from CVS Specialty Pharmacy. Note: Preauthorization is required. Call CVS Specialty Pharmacy at 1-866-814-5506 (TTY:711).

High Option Benefit You Pay
Dental care Any difference between our scheduled allowance and the billed amount (some services are applied to the calendar year dental deductible). 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 $200 copayment per admission (No deductible) 30% of our allowance (No deductible)
Outpatient 15% of our allowance (No deductible) 30% of our allowance and any difference between our allowance and billed amount
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.

Please note the cancer treatment and kidney (renal) dialysis benefits were erroneously removed from the 2025 brochure. Coverage continues to be:

  • Cancer treatment benefit – We will pay 100% of the Plan allowance (no deductible) for drugs, services and supplies normally covered by the Plan for treatment of an illness diagnosed as cancer. The service or supply must be for the treatment of a malignancy. A diagnosis secondary to cancer is not covered under this benefit.
  • Kidney (renal) dialysis benefit – We will pay 90% of the Plan allowance (no deductible) for services, supplies and testing for kidney (renal) dialysis. This benefit applies to inpatient and outpatient kidney dialysis.
RCBP New Member Guide

New member guide

This guide is designed to help you understand the wide range of benefts, tools and resources available to you and how to access them. Download the brochure to learn more.

2025 New Member Guide

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Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. This benefit is not available in all states.

Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.

Quest, Quest Diagnostics, any associated logos, and all associated Quest Diagnostics registered or unregistered trademarks are the property of Quest Diagnostics. LabCorp trademark is the property of LabCorp.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). This is a brief description of the features of this RCBP plan. Before making a final decision, please read the Official Plan brochure. All benefits are subject to the definitions, limitations and exclusions set forth in the Official Plan brochure. 

©2025