Review the 2026 Consumer Driven Option Preferred Formulary prescription drugs.
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
Review the 2026 Consumer Driven Option Preferred Formulary prescription drugs.
Review the 2026 APWU Health Plan FEHB brochure detailing federal employee benefits.
High Option Members: See clarification for Section 5(c)- Services provided by a hospital or other facility, and ambulance services.
For most services in this section, a deductible is not required. The calendar year deductible only applies to outpatient hospital or ambulatory surgical center. If you have additional questions or would like to verify your benefits, please contact the Health Plan at 1-800-222-2798.
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.
Discover the APWU Health Plan’s 2026 offerings, including the High Option and Consumer Driven Option plans. Learn more about benefits, coverage, and how these plans can meet your health care needs.
Visit our Virtual Health Fairs page to see the full schedule and register for upcoming sessions.