Open Season 2025

High Option for federal employees

Choose a health plan that offers low copays, affordable deductibles, and a nationwide UnitedHealthcare network.

High Option highlights

Benefits at a glance

100% coverage for in-network care

From age 35 through 39, one during this five-year period
From age 40, one every calendar year

Maternity care and support
Accidental injury outpatient services within 72 hours
Lab tests (covered blood work performed at LabCorp and Quest Diagnostics)
Tobacco cessation program
Visits to a registered dietician/nutritionist

$450 in-network deductible for Self or $800 in-network deductible for Self Plus One or Self & Family.

$25 copay for office visits, including specialists.

$30 copay for all urgent care centers.

$10 copay for retail non-specialty Tier 1 drugs.

Learn more about the High Option plan.
Watch our High Option explainer video

High Option premiums

NEW for 2026: 100% coverage for male sterilization

Premiums

FEHB enrollment code	Biweekly	Monthly / Retiree
Self - 471	$140.16	$303.68
Self + One - 473	$265.11	$574.40
Self & Family - 472	$337.72	$731.73

Download the APWU Health Plan federal flyer to learn about benefits and coverage details.

Find doctors and providers in our national network.

Locate behavioral health providers.

Pharmacy

The High Option prescription drug plan includes access to nearly 64,000 pharmacies in the Express Scripts network, along with home delivery options in all 50 states.

Dental

High Option members receive dental benefits as part of the medical plan, including coverage for routine dental care, exams, cleanings, x-rays, and fluoride treatment.

Additional benefits

Behavioral health

Health management programs

Infertility services

Cancer Centers of
Excellence

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2026 High Option Preferred Formulary

Coming soon

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

2026 Federal Brochure