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PCABP Plan Brochure
Dear Policyholder: Enclosed is your 2027 plan brochure for the Panama Canal Area Benefit Plan (PCABP). This plan brochure describes the benefits of the PCABP Program beginning on January 1, 2027.
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 2027
Your share of the premium rate will decrease for Self Only, Self Plus One, and Self and Family. Please refer to the back cover of this brochure.
The Plan is adding a $300 deductible for Self Only and $600 deductible for Self Plus One and Self and Family. See Section 4, Your Costs for Covered Services, page 22.
The catastrophic maximum is increasing from $9,200 to $12,000 for Self Only and from $18,400 to $24,000 for Self Plus One and Self and Family. See Section 4, Your Costs for Covered Services, page 24.
Inpatient Hospital: The Plan will increase the POS inpatient hospital copayment per admission from $25 to $100. See Section 5(c). Services Provided by a Hospital or Other Facility, and Ambulance Services, page 54.
Primary Care Office Visit: The Plan will increase the POS copayment for primary care office visits from $5 copayment to $10 copayment. See Section 5(a). Medical Services and Supplies Provided by Physicians and Other Healthcare Professionals, page 29.
Emergency and Accidental Injury Services: The Plan will increase the POS emergency and accidental injury services cost share from $5 copayment to $100 copayment. See Section 5(d). Emergency Services/Accidents, page 59.
Diagnostic Services: The Plan will increase the POS cost share for the following services: Labs will increase from $0 copay to $10 copay, X-ray will increase from $0 copay to $20 copay, and other diagnostics such as CAT scans, and MRIs will increase from $0 copay to $40 copay. See Section 5(a). Medical Services and Supplies Provided by Physicians and Other Healthcare Professionals, page 30.
Prescription Drugs: The Plan will increase the cost share for GLP-1 medications used for weight loss to 50% coinsurance. See Section 5(f), Prescription drug benefits, page 66.
Preventive Services: The Plan is adding vaccinations and preventive services to align with the required USPSTF, HRSA, and ACIP recommendations.
Obesity Management: The Plan will expand obesity management coverage for adult individuals with cardiometabolic risk factors with a BMI of at least 27.
Sex-Trait Modification: Members are no longer eligible for mid-treatment exceptions under the plan.
2027 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 monthly share$555.21
Govʼt monthly share$762.75
Self Plus One
Enrollment code433
Premium rate
Your monthly share$992.05
Govʼt monthly share$1,662.98
Self and Family
Enrollment code432
Premium rate
Your monthly share$948.52
Govʼt monthly share$1,828.28
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
Administrative Office Andrés Mojica Avenue, 77th Street East and Vía Porras, San Francisco, Panama City
Hours of Operations
Monday to Friday, 8:00 AM to 5:00 PM
Saturday, 8:00 AM to 12:00 PM
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