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Open Season 2025
Your own Personal Care Account (PCA) helps pay for medical expenses.
Benefits at a glance
The Consumer Driven Option includes a PCA that covers 100% of all eligible expenses. Each year, the Plan adds to your account:
for Self
for Self Plus One and Self and Family
No upfront deductible, coinsurance, or copay until you use up the funds in your PCA.
Get a $25 wellness incentive added to your PCA for yourself and each covered family member who completes:
Dental and vision services are payable out of your PCA.
The plan covers 90% of care received at a Cancer Center of Excellence.
Learn more about the Consumer Driven Option plan.
Watch our Consumer Driven Option explainer video
Low rates with your own PCA
| FEHB enrollment code | Biweekly | Monthly / Retiree |
|---|---|---|
| Self - 474 | $100.62 | $218.00 |
| Self + One - 476 | $218.68 | $473.81 |
| Self & Family - 475 | $238.56 | $516.89 |
Download the APWU Health Plan federal flyer to learn about benefits and coverage details.
OptumRx provides the Consumer Driven Option pharmacy benefit, with a network of 64,000+ retail pharmacies and OptumRx Home Delivery.
Save on dental care by using dentists in the Careington Dental Discount Network and use your PCA to pay for dental care and routine checkups.
Behavioral health
Infertility services
Cancer Centers of
Excellence
Coming soon
Coming soon
Your PCA covers 100% of all eligible expenses. For example, if you go to a network doctor for a $60 visit, the doctor submits your claim and the cost of the visit is deducted from your PCA. You pay nothing.
Plus, the Plan covers 100% of in-network preventive care without reducing the funds in your PCA.