An ideal job is not just about the basic salary. All the incentives and amenities that come with it also matter very much. For this reason, many prefer federal jobs over private sector ones because of all the other benefits that come with them.

If we talk about the perks that come with a federal job, then USPS is really underestimated in this regard. Many people are not aware of all the compensatory, insurance, and health benefits that come with a postal service job. This is the reason why many young people don’t appear in the postal exam because they think it’s not worth it. However, that is not the case at all and you will know it after finding out the health benefits that can come with a postal service job.

Federal Employee Health Benefits Program: A Comprehensive Insurance Cover With Many Offshoots

Federal Employee Health Benefits Program (FEHB) is a scheme of the federal government where it contributes more than 70 percent to the health insurance premiums to meet the healthcare needs of the federal government employees and their families.

Since USPC is a federal entity, therefore post service jobs are considered federal jobs. Consequently, all postal employees are eligible for different insurance plans that come under the program. Let’s have a look at some of the plans available under FEHB that you can avail as a USPS employee.

Fee-For-Service

In this health insurance plan, the physicians are paid for every medical service they perform instead of having a yearly contract with the insurance company. If you are a young postal worker with a small family that doesn’t require frequent healthcare services, then Fee-For-Service is a good health insurance option for you.

Health Maintenance Organization

For people in constant need of medical care, this insurance plan suits better. In HMO programs, postal employees can only avail the medical services from the physicians that are in contract with the insurance company. Moreover, HMO also obliges the enrolled users to live and work in a particular service area. This means you have to be stationed at the post office in the area that is covered by HMO coverage.

Consumer-Driven Health Plans

If you want to avail more healthcare options while at a postal service job, then you can opt for consumer-driven health plans. They are devised by a health-saving account with low rates of premium and higher rates of deductibles. However, first go through the medical facilities available in consumer-driven health packages before signing up for any of its plans.

Tax Relief Comes With Health Insurance Plans for Postal Service Jobs

It is a common observation that employees remain worried about their insurance plan even when the greater percentage of premium is given by their employees. There is a simple reason for that i.e. tax deductions on the premiums.

With post service jobs, you also get tax reprieve on most of the health insurance plans, which makes them very much affordable for an employee working in any position. Aside from the above-discussed health plans, the postal employees can also enroll in group insurance program for dental and vision health issues that offer exemplary coverage rates.