Explore the benefits of High Option with the UnitedHealthcare Medicare Advantage Plan.
Open Season 2025
Explore how APWU Health Plan works with Medicare
All eligible postal and federal retirees can enroll
Hospital coverage
Medicare Part A helps pay for inpatient care you get in hospitals, skilled nursing facilities, and hospices.
Medicare Part A + APWU Health Plan
When you sign up for Medicare, you’re automatically enrolled in Part A. Most postal and federal employees and retirees pay no premiums for Part A.
If you or your spouse are employed and have APWU Health Plan, the Plan is your primary coverage and Medicare is secondary. If both you and your spouse are retired, Medicare is your primary coverage and APWU Health Plan is secondary.
| Postal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible | Eligible |
| Federal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible | Eligible |
Medical coverage
Medicare Part B helps pay for outpatient care, including preventive services, doctor visits, screenings, mental health, and medical equipment.
Medicare Part B + APWU Health Plan
Your premium is deducted from your Social Security check each month, and you must meet a deductible. You’ll also need to pay a percentage for most doctor services, usually 20%.
Medicare pays first, and APWU Health Plan pays second. The High Option covers most of your medical expenses 100%, while with the Consumer Driven Option, you can use your Personal Care Account to pay the Part B premium, deductible, and coinsurance.
| Postal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible | Eligible — Use PCA to cover Part B premium |
| Federal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible | Eligible |
Medicare Advantage
APWU Health Plan is approved by Medicare to maximize member benefits with our Medicare Part C (Medicare Advantage), offering additional benefits and coverage for Medicare Part D, vision, hearing, dental care, and many health management programs.
Medicare Advantage + APWU Health Plan
When combining APWU Health Plan with our Medicare Advantage plan, you have access to all the benefits of Medicare Parts A, B, and D, lowering your out-of-pocket costs for medical, hospital, and prescription services.
| Postal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible + $100 monthly Part B subsidiary | Not Eligible |
| Federal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible + $100 monthly Part B subsidiary | Not Eligible |
Medicare PDP
APWU Health Plan is approved by Medicare to maximize member prescription benefits with our Medicare Part D prescription drug program (PDP), helping lower the cost of prescription medications.
Medicare PDP + APWU Health Plan
Combining an eligible APWU Health Plan with our Medicare PDP can enhance your coverage by reducing out-of-pocket costs for prescription medications and providing a broader range of drug options.
| Postal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible — Required if not enrolled in Medicare Advantage (Part C) | Eligible — Required if not enrolled in Medicare Advantage (Part C) |
| Federal health plans | |
|---|---|
| High Option | Consumer Driven Option |
| Eligible | Not Eligible |
To get Medicare, you must be a U.S. citizen or legal resident who has lived in the country for at least five consecutive years.
Medicare is for:
You can enroll in Medicare at specific times. The Initial Enrollment Period is a seven-month period that starts three months before the month you turn 65 and ends three months after the month you turn 65.
After you enroll, you can change your coverage during Medicare Open Enrollment, October 15 – December 7.
To explore your enrollment options and access helpful resources, visit Medicare.gov.
Ready to get started with Medicare? Contact the Social Security Administration to sign up for Medicare benefits. Monday – Friday, 8 am – 7 pm.
Need help finding a health plan that’s right for you?
Explore the benefits of High Option with the UnitedHealthcare Medicare Advantage Plan.
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