Find Your Health Plan | APWU Health Plan Open Season

Find your plan

About 3–5 minutes

No personal health information required

What you'll get

Based on your answers, you'll receive a plan option to consider, along with relevant premium information, provider and prescription resources, and next steps to help you review your options.

Before you start

We will not ask for your name, member ID, diagnosis, medications, or treatment information. Your result is a guide. Review the official plan brochure and enrollment materials before making your final decision.

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Which best describes the primary enrollee postal employment status?

Active APWU bargaining unit career employee, enrolled in PSHB for more than one year

Active APWU bargaining unit career employee, enrolled in PSHB for less than one year

Active USPS employee, non-bargaining unit

Postal Support Employee (PSE)

Postal retiree or annuitant

Your employment status helps us show the plan options and rate information that may apply to you. Postal Support Employees follow different eligibility rules, and APWU bargaining unit career employees may have different Consumer Driven Option rate considerations based on how long they have been enrolled in PSHB. If you are not sure, choose the closest option and confirm your eligibility before enrolling.

If you are a Postal Support Employee, have you completed your 360-day initial appointment?

Yes

After you complete one year of service as a PSE, you may become eligible for APWU Health Plan’s Consumer Driven Option. If you are not sure whether you have completed your 360-day initial appointment, confirm your status before enrolling.

How do you usually compare health plans?

I look at the premium first.

I look at whether my doctors, specialists, or facilities are in the network.

I look at how much doctor visits and prescriptions cost.

I look at the total cost for the year, including premiums, copays, coinsurance, and other costs.

I look for a plan that allows for in-network and out-of-network coverage options.

I don’t compare health plans in any of these ways.

Which approach feels easier to understand?

A plan with set copays for many doctor visits and prescriptions, some coinsurance, and a higher premium for a more predictable benefit structure.

A plan that offers lower premiums and plan-provided money to help pay eligible healthcare costs before deductible or coinsurance costs may apply.

Some health plans include an account that covers eligible medical expenses up to a set dollar amount. A deductible is the amount you pay for covered healthcare services before your insurance plan starts to pay. Coinsurance is the percentage of costs you pay after you have paid the deductible.

Which plan approach sounds better to you?

A familiar plan experience with medical benefits, pharmacy coverage, and support for ongoing care needs.

A plan that gives me access to care and pharmacy benefits, and I am comfortable checking plan details during the year.

Each plan handles costs differently. Choose the approach that feels easier to understand or better aligned with how you like to manage healthcare costs.

How comfortable are you reviewing healthcare cost details during the year?

I am comfortable reviewing claims, deductible information, and cost details as needed.

I can review those details if I have clear instructions.

I prefer a plan that feels easier to follow without checking details often.

I am not sure.

Healthcare costs may include claims, deductible information, prescription costs, or other plan details. Your answer helps us show the right cost information with your results.

Other than preventive care, how often do you think you or your family may need care next year?

Mostly preventive care and a few doctor visits.

Occasional doctor visits or tests.

Frequent doctor visits, tests, or specialist care.

Ongoing care for a more complex condition.

Preventive care is routine healthcare that helps you stay on top of your health and catch anything before it becomes serious. APWU Health Plan offers 100% coverage for many in-network preventive care services.

What type of planned care should you compare before choosing a plan?

Preventive or routine care, such as checkups, screenings, vaccines, or regular doctor visits

Surgery or hospital care

Advanced imaging or testing

Infusion therapy, dialysis, chemotherapy, radiation, or similar treatment

Ongoing specialist care

Other planned higher-cost care

Select all that apply.

Do you take prescriptions regularly, such as maintenance medications?

Yes, I take one or more prescriptions regularly.

Yes, and at least one is high-cost, specialty, or injectable.

No, I only take prescriptions occasionally.

I do not take prescriptions.

Maintenance medications include drugs that treat chronic or long-term conditions such as high cholesterol, high blood pressure, asthma, diabetes, or heart disease.

Do you already have doctors, specialists, or facilities you want to keep using?

Yes, and I know they are in the network.

Yes, but I am not sure if they are in the network.

Yes, and some may be out of the network.

No, I’m open to choosing new providers.

Find your plan

Find the APWU Health Plan option that fits your needs

What you'll get

Before you start

Wellness incentive

Coninsurance

Copay

Plan allowance