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High Option for federal employees

Choose a health plan that offers low copays, affordable deductibles, and a nationwide UnitedHealthcare network.

High Option highlights

Benefits at a glance

100% coverage for in-network care

Age 35–39, one during this five-year period
Age 40–64, one every calendar year
Age 65 and older, one every two consecutive calendar years

Maternity care and support
Accidental injury outpatient services within 72 hours
Lab tests (covered blood work performed at LabCorp and Quest Diagnostics)
Tobacco cessation program
Visits to a registered dietician/nutritionist

$450 in-network deductible for Self or $800 in-network deductible for Self Plus One or Self & Family.

$25 copay for office visits, including specialists.

$30 copay for all urgent care centers.

$10 copay for Tier 1 drugs.

Learn more about the High Option plan.
Watch our High Option explainer video

High Option premiums

NEW for 2025: Your first two Teladoc Virtual Visits are free

Premiums

wdt_ID	wdt_created_by	wdt_created_at	wdt_last_edited_by	wdt_last_edited_at	Enrollment code	Biweekly	Monthly
1	m3growth	16/09/2024 12:41 PM	lara	26/09/2024 09:28 PM	Self - 471	$109.75	$237.79
2	m3growth	16/09/2024 12:41 PM	lara	26/09/2024 09:28 PM	Self + One - 473	$214.10	$463.88
3	m3growth	16/09/2024 12:41 PM	lara	26/09/2024 09:28 PM	Self & Family - 472	$264.50	$573.08

Download the 2025 APWU Health Plan FEHB flyer to learn about benefits and coverage details.

Find doctors and providers in our national network

For Utah residents, find doctors and providers

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Pharmacy

The High Option prescription drug plan includes access to nearly 64,000 pharmacies in the Express Scripts network, along with home delivery options in all 50 states.

Dental

High Option members receive dental benefits as part of the medical plan, but you can get additional coverage by enrolling in the APWU Health Plan Dental Insurance Plan.

Additional benefits

Behavioral
health

Health management programs

Infertility services

Gender affirming
care

Cancer Centers of
Excellence

Open Season 2024

High Option for federal employees

High Option highlights

100% coverage for in-network care

High Option premiums

Premiums

Pharmacy

Dental

Additional benefits

Ready to enroll?

Need help finding a health plan that’s right for you?

Download and access Health Plan resources

2025 APWU Health Plan FEHB flyer PDF

High Option Summary of Benefits and Coverage (SBC)

Consumer Driven Option Summary of Benefits and Coverage (SBC)

FEHB Health Plan online resources

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