COMING SOON: Explore benefits and coverage for our federal health plans.
Open Season 2026
Review benefits, costs, and plan features for our High Option and Consumer Driven Option.
Both plans provide nationwide in-network coverage.
Quick comparison
Low copays and low deductibles
A Personal Care Account and low costs
Free accidental injury coverage
Eligible for Medicare Advantage
Eligible for Medicare Part D prescription drug plan (PDP)
Personal Care Account (PCA)
Wellness incentives
Free lab tests
Low deductible & low copays
Low premiums
Select your employment status and coverage to see rates.
High Option
$191.92
biweekly premium
Enrollment code 471
Consumer Driven Option
$102.63
biweekly premium
Enrollment code 474
High Option
$374.71
biweekly premium
Enrollment code 473
Consumer Driven Option
$223.06
biweekly premium
Enrollment code 476
High Option
$461.61
biweekly premium
Enrollment code 472
Consumer Driven Option
$243.34
biweekly premium
Enrollment code 475
Important rate information
You do not need to be represented by APWU to enroll in APWU Health Plan. Eligible federal employees can enroll as APWU associate members and are charged a $35 annual membership fee, unless exempt by law.
High Option
$415.83
monthly premium
Enrollment code 471
Consumer Driven Option
$222.36
monthly premium
Enrollment code 474
High Option
$811.87
monthly premium
Enrollment code 473
Consumer Driven Option
$483.29
monthly premium
Enrollment code 476
High Option
$1,000.15
monthly premium
Enrollment code 472
Consumer Driven Option
$527.23
monthly premium
Enrollment code 475
Important rate information
Eligible federal retirees can enroll in APWU Health Plan as APWU associate members and are charged a $35 annual membership fee, unless exempt by law. Medicare-eligible retirees may also have additional Medicare coverage available through the Plan.
Coverage details
High Option amounts apply to what you pay for in-network care. Consumer Driven Option amounts indicate your costs after you meet the deductible.
Benefit
Virtual visits
$0 for first 2 visits
$10 copay
15% of Plan allowance
Benefit
PCA funds
$1,200 (Self) / $2,400 (Self+One or Family) deposited annually; 100% covered until spent
Benefit
Well-child, immunizations, annual exams, screenings
$0
$0 + $25 wellness incentive per completed annual physical/mammogram/cervical screening
Benefit
Routine dental
30% of Plan allowance
20–50% savings via Careington Dental Discount Network
Benefit
Benefit
Complete maternity care
$0
$0 (no PCA used)
Benefit
Diagnostic tests or imaging
15% ($0 for LabCorp/Quest bloodwork)
15% of Plan allowance
Outpatient surgery
15% of Plan allowance
15% of Plan allowance
Inpatient surgery
15% of Plan allowance
15% of Plan allowance
Cancer Center of Excellence
5% of Plan allowance
10% of Plan allowance
Benefit
Diagnostic and treatment services
15% of Plan allowance
15% of Plan allowance
Benefit
Accidental injury (within 72 hrs)
$0 outpatient
15% of Plan allowance
Urgent care
$30 copay
15% of Plan allowance
Emergency room
15% of Plan allowance
15% of Plan allowance
Ambulance
15%
15% of Plan allowance
Benefit
Diagnostic hearing tests
15% every 2 years
15% every 2 years
Hearing aids
Charges above $1,500 (every 3 yrs)
Charges above $1,500 (every 3 yrs)
Benefit
Office visits
$25 copay
15% of Plan allowance
Outpatient/diagnostic/inpatient
15% of Plan allowance
15% of Plan allowance
Benefit
Chiropractic care
$25 copay, up to 24 visits/yr
15% of Plan allowance, up to 24 visits/yrg
Acupuncture
$25 copay, up to 26 visits/yr
15% of Plan allowance
PT/OT/speech therapy
15%, up to 60 visits/yr
15%, up to 60 visits/yr
Benefit
Retail (30-day)
$10 Tier 1
25% Tier 2 (max $200)
45% Tier 3 (max $300)
25% Tier 1/2 (min $15, max $200)
40% Tier 3 (min $15, max $300)
Mail-order (90-day)
$20 Tier 1
25% Tier 2 (max $300)
45% Tier 3 (max $500)
Tiered min/max scaling by 30/60/90-day supply
All FEHB-eligible employees can enroll in APWU Health Plan.
Use FEHB enrollment codes when you complete the Health Benefits Election Form.
Take our quiz to get personalized guidance on choosing a health plan.
Federal Health Plans
COMING SOON: Explore benefits and coverage for our federal health plans.
High Option
Consumer Driven Option
Federal Health Plans
View a summary of benefits and coverage (SBC) for your plan.
Consumer Driven Option
Federal Health Plans
View a summary of benefits and coverage (SBC) for your plan.
High Option
DEFINITION
Receive a $25 wellness incentive added to your PCA for each family member who completes a yearly checkup or recommended screening.
DEFINITION
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
