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SERVICES

2026 PCABP Plan Brochure

Dear Policyholder: Enclosed is your 2026 plan brochure for the Panama Canal Area Benefit Plan (PCABP). This plan brochure describes the benefits of the PCABP Program beginning on January 1, 2026.

Clarifications

We clarified telehealth visits between members and providers are covered for POS Panamá members residing in Panama. See Section 5(a). Medical Services and Supplies Provided by Physicians and Other Healthcare Professionals, Telehealth Services. We recommend members to not wait until the end of the year to submit most, if not all, of their claims (pharmacy, medical, etc.) to avoid any delays on getting reimbursement. Members should submit their claim(s) as soon as they have all the supporting claim documentation, so reimbursement can be paid in a timely matter.
Highlights of Changes to Benefits for 2026
  • Your share of the premium rate will increase for Self Only, Self Plus One, and Self and Family. Please refer to the back cover of this brochure.

  • We have selected a new administrator to deliver our plan, “The Redbridge Groupˮ.

  • We no longer cover chemical and surgical treatments for Sex-Trait Modification for gender dysphoria. See Section 5(b), Reconstructive surgery and Section 5(f), Prescription Drug Benefits.

Administrative Changes to Plan Management
  • As of January 01, 2026, the PCABP Administrator will be Redbridge Group, LLC.

  • The benefit structure of the PCABP will be maintained as it has been in 2025.

  • The telephone number of the Plan in Panama for Member service will remain the same.

2026 Rate information for the Panama Canal Area Benefit Plan

To compare your FEHB health plan options please go to www.opm.gov/fehbcompare

Self Only
Enrollment code431

Premium rate
Your biweekly share$305.58
Govʼt biweekly share$324.76
Self Plus One
Enrollment code433

Premium rate
Your biweekly share$558.68
Govʼt biweekly share$711.17
Self and Family
Enrollment code432

Premium rate
Your biweekly share$550.05
Govʼt biweekly share$778.03

Letter

If you (and/or your family members) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about yourprescription drug coverage. Please see the enclosed notice for more detail.

In addition, this letter serves as a reminder that YOUR PAPER CLAIMS for covered services you receive in hospitals outside of Panama and performed by physicians outside of Panama MUST BE SENT TO OUR POST OFFCE BOX ADDRESS AT: Panama Canal Area Benefit Plan c/o Redbridge Group, PO Box 14490, Coral Gables, Florida 33114, USA

If the back of your ID Card does not provide the above post office box address, please contact us so that we may issue you a new id card.

Lastly, if you have any other health insurance (i.e. Medicare Part A and/or B) other than the Panama Canal Area Benefit Plan, please send a copy of the health insurance card(s) to us via post mail at the PO Box address listed above or by fax at 305-232-8881 in the United States.

Should you have any questions, or to request a copy of 2026 plan brochure in Spanish, we can be reached at 507-366-1400 in Panama, and 1-786-497-0411 in the United States.

Downloads

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