Explore the benefits of High Option with the UnitedHealthcare Medicare Advantage Plan.
Open Season 2025
When you retire, APWU Health Plan offers a Medicare Advantage plan for High Option members covered by Medicare Part A and Part B. As a retiree, enrolling in Medicare Advantage costs you nothing.
With Medicare Advantage, you don’t need to coordinate primary and secondary payers.
See any doctor nationwide who accepts Medicare patients and the plan.
Receive all benefits at no additional cost. Simply continue paying your High Option premium and your Medicare Part B premium, and pay nothing more.
Compare our plans to see how much you could save on your prescription drugs by enrolling in Medicare Advantage.
| Part D prescription drug benefits | High Option with Medicare Parts A & B | High Option with Medicare Advantage |
|---|---|---|
| Retail Tiers | You pay | You pay |
| 1: Generic | $10 | $10 |
| 2: Preferred brand | 25% up to max of $200 | $30 |
| 3: Non-preferred brand | 25% up to max of $300 | $45 |
| 4: Specialty | 25% up to max of $300 | $60 |
| Mail order tiers | ||
| 1: Generic | $20 | $20 |
| 2: Preferred brand | 25% up to max of $300 | $60 |
| 3: Non-preferred brand | 25% up to max of $500 | $90 |
| 4: Specialty | 25% up to max of $150 | $120 |
Pharmacy benefits are based on the APWU Health Plan High Option with Express Scripts Part D prescription drugs and the Medicare Advantage plan, which comes with Part D prescription drugs through OptumRX.
Plus, you have access to thousands of digital on-demand workout videos and live-streaming fitness classes through Renew Active®2
Enjoy home-delivered meals, transportation to medical appointments, and in-home personal care for help with daily activities.
You are eligible to join if you’re enrolled in APWU Health Plan High Option and Medicare Part A and Part B. External link
Contact UnitedHealthcare to find out if you’re eligible to enroll in our Medicare Advantage plan:
Monday – Friday, 8 am – 8 pm CT
Explore the benefits of High Option with the UnitedHealthcare Medicare Advantage Plan.
Coming soon
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.
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.
1 Out-of-pocket maximum excludes premiums, prescription drug costs, and non-Medicare covered benefits.
2 Participation in the Renew Active® program is voluntary. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine. The information provided through Renew Active is for informational purposes only and is not medical advice. Gym network may vary in local market.
3 Other hearing exam providers are available in our network. Your plan includes benefits for hearing aid coverage outside of the UnitedHealthcare Hearing network. See plan for details.
4 HouseCalls may not be available in all areas.
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.