Open Season 2026
APWU Health Plan is a national preferred provider organization (PPO) that offers both a fee-for-service High Option plan and a Consumer Driven Option plan. Both options are open to all employees or retirees covered under the Federal Employees Health Benefits (FEHB) Program. Located in Elkridge, Maryland, the Health Plan is a department of the American Postal Workers Union. We employ 200 people to service the 205,000 people covered by the Health Plan.
In 1960, the United Federation of Postal Clerks launched a health plan in Silver Spring, Maryland. From the beginning, we made it our mission to deliver comprehensive, affordable healthcare coverage with a personal touch.
Today, our High Option and Consumer Driven Option put members first. And we offer Medicare Advantage benefits for retirees. As a health plan that employs 200 people to cover more than 171,000 lives, we look forward to supporting the health journey of our members today, tomorrow, and for many years to come.
APWU Health Plan is self-administered and self-underwritten
APWU Health Plan serves members at different points in their lives, offering coverage options for a diverse federal and postal workforce.
PSHB coverage options support employees across both bargaining and non-bargaining roles.
FEHB coverage options are available to employees throughout the federal government.
Coverage is accessible during non-career and transitional stages of postal employment.
Ongoing access to healthcare continues into retirement.
Founded through the American Postal Workers Union, APWU Health Plan is a department of the union, reflecting a long-standing commitment to supporting access to healthcare for postal workers and their families. The plan’s foundation is shaped by the union’s history of advocating for meaningful, affordable benefits for postal employees and postal support employees (PSEs).
While the Health Plan maintains a strong historical connection to the union, eligibility for coverage is not dependent on union membership. Coverage is available to a broad community of federal and postal employees and retirees through the Federal Employees Health Benefits program.
Represented by Local 2 and 32BJ unions, the APWU Health Plan customer service team participates in ongoing training to effectively communicate the benefits of our health plans and treat all members with patience and empathy.
CEO, APWU Health Plan
Randy Griffin is the chief executive officer of APWU Health Plan, a dominant carrier in the Federal Employees Health Benefits (FEHB) Program and Postal Service Health Benefits (PSHB) Program, offering benefits to eligible postal workers, federal employees, and annuitants. In his role, he is responsible for all operational, financial, marketing, and actuarial activities of the Health Plan in accordance with policies, goals, and objectives established by the board of directors.
Randy and his leadership team ensure that APWU Health Plan functions within the framework established by the United States Office of Personnel Management (OPM) for the FEHB Program.
Along with established relationships with OPM, Randy has more than 25 years of experience in multiple aspects of health plan business operations, vendor management, information technology, systems integration, contracting, program delivery, and project management.
Randy has a proven record of building collaborative working relationships, leading high performing teams, and producing results. Over the course of his career, he has successfully led several key initiatives that have directly impacted operations, including the development of new member-facing products and health plans.
During his tenure with the Health Plan, Randy plays key leadership roles in multiple initiatives that:
Before joining the Health Plan, Randy held senior-level positions with healthcare payers in both the federal and commercial insurance space. He enjoys traveling and spending time with his family and currently resides in the Baltimore, Maryland, metropolitan area.
Director, APWU Health Plan
Sarah Jane Rodriguez is currently serving her third term as director of APWU Health Plan. Since her initial election by the membership in 2019, she has leveraged more than 20 years of experience as a dedicated union leader to advocate for the health and well-being of APWU members and their families.
Her journey with the U.S. Postal Service began at age 18 as a non-career employee. Her rise through the union ranks is marked by a range of leadership roles. She served in local leadership for three terms as the secretary-treasurer of the Phoenix Metro Area Local and worked in member advocacy and representation as a steward, chief steward, step 2 designee, and editor.
Sarah continues her dedication to growing the APWU and championing the advancement of diverse voices in the labor movement through her active engagement with the Coalition of Labor Union Women (CLUW) and Post Office Women for Equal Rights (POWER). She continues her dedication to member advocacy through her role as Health Plan director.
Dedicated to maintaining a transparent leadership style, she works in close partnership with health plan representatives and actively encourages member feedback to help shape the future of the organization.
Sarah and her family reside in the Baltimore, Maryland, metro area. As a member of the APWU Health Plan, she remains committed to the mission of providing quality, affordable healthcare for the postal community.
President, American Postal Workers Union
Jonathan Smith is president of the American Postal Workers Union, which represents more than 200,000 employees of the U.S. Postal Service and approximately 1,500 employees in the private-sector mailing industry. He began his three-year term in November 2025.
Smith has been a member of the APWU since 1978 and has served as an APWU representative in several roles since 1988, including president of the APWU’s largest local, the New York Metro Area Postal Union, from 2012 until he was elected national president in 2025.
DEFINITION
Receive a $25 wellness incentive added to your PCA for each family member who completes a yearly checkup or recommended screening.
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15% coinsurance: The percentage of costs you pay after you pay the deductible.
DEFINITION
A Copay is a fixed amount you pay for a covered healthcare service, usually at the time you receive the service.
DEFINITION
Plan allowance is the maximum amount a plan will pay for a covered healthcare service
