Open Season 2025

Dental plans for postal employees and retirees

Enhance the dental benefits you receive as a High Option or Consumer Driven Option member by enrolling in the APWU Health Plan Dental Insurance Plan.

Explore High Option and Consumer Driven Option dental benefits

HIGH OPTION

The High Option covers
routine dental care

The High Option pays 70% of the Plan allowance for dental office visits, exams, cleanings, x-rays, fluoride treatment, fillings, and simple extractions. Members pay 30% of the cost, plus any difference between our allowance and the billed amount (no deductible).

CONSUMER DRIVEN OPTION

Save on dental care by using dentists in the Careington Dental Discount Network

Save 20% to 50% on most procedures at thousands of participating dentists nationwide. Transparent pricing with fee schedules let you know what each treatment costs before your appointment.

Use your Personal Care Account (PCA)—up to $400 for Self or $800 for Self Plus One and Self & Family—to pay for dental care each calendar year.

APWU Health Plan Dental Insurance Plan

The APWU Health Plan Dental Insurance Plan is available to APWU members, associate members and eligible dependents. Under this plan, you will pay a separate premium, and insured members will receive benefits from both in-network and out-of-network dentists.

Benefits include:

$0 deductible for preventive services.
$50 deductible per person (or a $150 family deductible) for basic and major services.
The Plan pays 80% of negotiated fees for in-network dentists and reasonable and customary fees for out-of-network dentists for fillings and other basic services.
The Plan pays 50% of negotiated fees for in-network dentists and reasonable and customary fees for out-of-network dentists for crowns, oral surgery, and other major services.

Enroll in the Dental Plan

Download our Dental Insurance Plan flyer to learn more about benefits and access the enrollment form. Complete the form and return it to:

Voluntary Benefits Plan
P.O. Box 12009
Cheshire, CT 06410

For questions about enrollment, contact Voluntary Benefits Plan: 1‑800‑307‑8615

What's new for 2026

Your Dental Insurance Plan now includes enhanced benefits, effective as of January 1, 2026, including:

Verify your eligibility

Enrollment is open throughout the year for eligible members, which includes:

APWU members in good standing
Active postal workers
Postal support employees (PSEs) who work at least 20 hours a week
Postal retirees
Eligible dependents

Our Dental Insurance Plan is not available to federal employees or retirees covered under the Federal Employees Health Benefits (FEHB) Program.

Need help finding a health plan that’s right for you?

Download and access Health Plan resources

2026 PSHB High Option Summary of Benefits and Coverage (SBC)

2026 PSHB Consumer Driven Option Summary of Benefits and Coverage (SBC)

2026 Postal Brochure

Review the 2026 APWU Health Plan brochure detailing postal employee benefit options.