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UnitedHealthcare is approved by OPM to participate in the Postal Service Health Benefit (PSHB) Program. Postal retirees will have the choice between our Retiree Advantage plan (which includes part D prescription drug coverage) or the Choice Plus Primary medical coverage alongside a MedicareRX Part D prescription drug plan.
PSHB Medicare Advantage and Part D Prescription Drug FAQs
What is Medicare Part D?
Medicare Part D is prescription drug coverage for people with Medicare offered by private health insurance companies.
Who is eligible for Part D Prescription Drug coverage?
Retirees with Medicare Part A only, Part B only or Retirees with both Medicare Parts A & B
Who is eligible for the UnitedHealthcare Retiree Advantage plan?
Retirees with both Medicare A and Medicare Part B
How will my prescription drug coverage change in the PSHB program?
Postal retirees and eligible dependents who are retired with Medicare Part A only will be auto enrolled into the MedicareRx Part D prescription drug coverage alongside the Choice Plus Primary medical coverage.
Postal retirees and eligible dependents with Medicare Parts A & B will have the option of choosing between the Retiree Advantage plan (which includes Medical and Part D prescription drug coverage with a Part B premium subsidy) or the MedicareRX Part D prescription drug coverage alongside the Choice Plus Primary medical coverage. You must actively elect the Retiree Advantage plan by calling 844-481-8821 8:00 AM-8:00 PM, Monday-Friday, if that is the plan you would like to be enrolled in, otherwise you will be automatically enrolled in the MedicareRX Part D prescription drug plan.
I use a prescription coupon or copay assistance program, will I still be able to use them on the Retiree Advantage plan or the MedicareRX Part D prescription plan?
Most prescription coupons or copay assistance programs cannot be used in conjunction with Part D prescription drug coverage, therefore you would not be able to use them on the Retiree Advantage plan or the MedicareRX Part D prescription plan.
What is an Income Related Monthly Adjustment Amount (IRMAA), and how will it affect me?
IRMAA is an amount Social Security determines you may need to pay in addition to your monthly Part B and Part D premium if your modified adjusted gross income on your IRS tax return from 2 years ago is above a certain limit. If you are assessed a Part B IRMAA by Social Security, and auto enrolled into the MedicareRX Part D prescription coverage under PSHB or elect to enroll in the UnitedHealthcare Retiree Advantage plan, then you may incur an additional Part D IRMAA when enrolling in this plan.
For many people, your income decreases upon retirement. You will want to monitor your income tax filing and, the first year that you fall below the IRMAA threshold, you are encouraged to contact Medicare and request that they perform another two-year lookback. This will help decrease or eliminate the IRMAA amount that you may be charged.
Learn more about Medicare and find additional resources here.
How does Medicare work?
View information about the Medicare program, including coverage options, eligibility, enrollment, costs and benefits.
How do I file an appeal or grievance?
Get a detailed overview of the Appeals and Grievance process.
Medical appeals and grievances
Drug coverage appeals and grievances
As a member of a PSHB (Postal Service Health Benefit) plan, there are additional avenues available to you once you’ve exhausted the UnitedHealthcare appeals and grievance process. For more information about the additional options, please reference section 8 of your UnitedHealthcare Plan Brochure or OPM’s website.
How do I report fraud or abuse?
Find out how to identify fraud and abuse and learn steps you can take to prevent and report it.
What is the Medicare Prescription Payment Plan? (Effective 1/1/25)
The Medicare Prescription Payment Plan: If you spend more than $2,000 for prescription drugs each year, you may want to participate in the Medicare Prescription Payment Plan. This payment plan spreads your out-of-pocket prescription drug costs over the remainder of the calendar year.