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.
Dental and vision services are payable out of your PCA.
The plan covers 90% of care received at a Cancer Center of Excellence.
Low rates with your own PCA
Download the 2025 APWU Health Plan FEHB flyer to learn about benefits and coverage details.
Behavioral
health
Gender affirming
care
Cancer Centers of
Excellence
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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.