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

 

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.

2021 Premiums
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

 

Medical Services Provided by Physicians – 2021 Benefits
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

 

Services Provided by a Hospital – 2021 Benefits
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

 

Emergency Benefits – 2021 Benefits
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

 

Prescription Drugs – 2021 Benefits

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 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
Dental Care – 2021 Benefits
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
Mental Health & Substance Abuse – 2021 Benefits
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.
Calendar year Deductible
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
Protection Against Catastrophic Costs – 2021 Benefits
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.

carriage

Enroll Now

View instructions to enroll in the Rural Carrier Benefit Plan.

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