10-04-2026, 10:16 PM
USPS 醫療保障改用 PSHB：退休前先核對 Medicare Part B 規則
USPS 員工、退休人員及合資格家屬自 2025 年起透過 Postal Service Health Benefits（PSHB）計劃取得相關醫療保障。PSHB 屬 FEHB 體系中的獨立郵政計劃，選擇保單時應查 PSHB 資料，不能只沿用舊的非郵政 FEHB 名單。
部分已符合 Medicare 資格的退休人員及家屬，必須參加 Part B 才能保留 PSHB；但 OPM 列有按退休日期、年齡及其他條件的例外。退休前請人事或福利窗口按個人情況核對例外與生效日期，並查自己的藥物保障安排，不宜假設所有郵政退休者都適用同一規則。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.opm.gov/healthcare-insurance/pshb/
English
Postal Service Health Benefits: check the Medicare Part B rules before retirement
Since 2025, USPS employees, annuitants and eligible family members receive the relevant health coverage through Postal Service Health Benefits. PSHB is a separate postal program within FEHB, so use its plan information instead of relying on an old non-postal FEHB list.
Some Medicare-eligible annuitants and family members need Part B to retain PSHB. OPM lists exceptions tied to retirement dates, age and other circumstances. Before retirement, ask the benefits office to check the applicable exception and effective date, and review the plan’s prescription arrangements. One postal retiree’s situation does not establish the rule for every family.
Original publication date not established. Checked October 4, 2026. Official source: https://www.opm.gov/healthcare-insurance/pshb/
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Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
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來源 / Source: U.S. Office of Personnel Management
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
USPS 員工、退休人員及合資格家屬自 2025 年起透過 Postal Service Health Benefits（PSHB）計劃取得相關醫療保障。PSHB 屬 FEHB 體系中的獨立郵政計劃，選擇保單時應查 PSHB 資料，不能只沿用舊的非郵政 FEHB 名單。
部分已符合 Medicare 資格的退休人員及家屬，必須參加 Part B 才能保留 PSHB；但 OPM 列有按退休日期、年齡及其他條件的例外。退休前請人事或福利窗口按個人情況核對例外與生效日期，並查自己的藥物保障安排，不宜假設所有郵政退休者都適用同一規則。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.opm.gov/healthcare-insurance/pshb/
English
Postal Service Health Benefits: check the Medicare Part B rules before retirement
Since 2025, USPS employees, annuitants and eligible family members receive the relevant health coverage through Postal Service Health Benefits. PSHB is a separate postal program within FEHB, so use its plan information instead of relying on an old non-postal FEHB list.
Some Medicare-eligible annuitants and family members need Part B to retain PSHB. OPM lists exceptions tied to retirement dates, age and other circumstances. Before retirement, ask the benefits office to check the applicable exception and effective date, and review the plan’s prescription arrangements. One postal retiree’s situation does not establish the rule for every family.
Original publication date not established. Checked October 4, 2026. Official source: https://www.opm.gov/healthcare-insurance/pshb/
Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
---
來源 / Source: U.S. Office of Personnel Management
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.