COMING SOON: Explore benefits and coverage for our postal health plans.
Open Season 2026
Review benefits, costs, and plan features for our High Option and Consumer Driven Option.
Both plans provide nationwide in-network coverage.
Quick comparison
Low copays and low deductibles
A Personal Care Account and low costs
Free accidental injury coverage
Health plan for postal support employee (PSE)
Eligible for Medicare Advantage
Personal Care Account (PCA)
Wellness incentives
Free lab tests
Low deductible & low copays
Low premiums
Select your employment status and coverage to see rates.
High Option
$142.97
biweekly premium
Enrollment code23A
Consumer Driven Option
$51.70
biweekly premium
Enrollment code23D
High Option
$279.13
biweekly premium
Enrollment code23C
Consumer Driven Option
$114.87
biweekly premium
Enrollment code23F
High Option
$358.28
biweekly premium
Enrollment code23B
Consumer Driven Option
$129.12
biweekly premium
Enrollment code23E
Important rate information
Special biweekly Consumer Driven Option rates are available to eligible career employees in an APWU bargaining-unit position who have been enrolled in PSHB for more than one year. These rates apply only to the Consumer Driven Option and are tied to the applicable PSHB enrollment requirement, not simply to length of employment with USPS.
High Option
$142.97
biweekly premium
Enrollment code23A
Consumer Driven Option
$100.21
biweekly premium
Enrollment code23D
High Option
$279.13
biweekly premium
Enrollment code23C
Consumer Driven Option
$217.81
biweekly premium
Enrollment code23F
High Option
$358.28
biweekly premium
Enrollment code23B
Consumer Driven Option
$237.61
biweekly premium
Enrollment code23E
Important rate information
These rates apply to eligible career employees in an APWU bargaining-unit position who have been enrolled in PSHB for one year or less. “First year” refers to time enrolled in PSHB, not length of employment with USPS.
High Option
$142.97
biweekly premium
Enrollment code23A
Consumer Driven Option
$100.21
biweekly premium
Enrollment code23D
High Option
$279.13
biweekly premium
Enrollment code23C
Consumer Driven Option
$217.81
biweekly premium
Enrollment code23F
High Option
$358.28
biweekly premium
Enrollment code23B
Consumer Driven Option
$237.61
biweekly premium
Enrollment code23E
Important rate information
These rates apply to eligible postal employees in management, non-bargaining positions, or other postal crafts. APWU Health Plan enrollment requirements still apply.
Consumer Driven Option
$100.21
biweekly premium
Enrollment code23D
Consumer Driven Option
$217.81
biweekly premium
Enrollment code23F
Consumer Driven Option
$237.61
biweekly premium
Enrollment code23E
Important rate information
After completing one year of service, eligible PSEs may enroll in the APWU Health Plan Consumer Driven Option, with USPS contributing up to 75% of the premium. If a PSE chooses another PSHB plan, they are responsible for the full employee and government premium for that plan.
High Option
$309.77
monthly premium
Enrollment code23A
Consumer Driven Option
$217.13
monthly premium
Enrollment code23D
High Option
$604.78
monthly premium
Enrollment code23C
Consumer Driven Option
$471.92
monthly premium
Enrollment code23F
High Option
$776.27
monthly premium
Enrollment code23B
Consumer Driven Option
$514.82
monthly premium
Enrollment code23E
Important rate information
Retiree premiums are shown as monthly rates. Medicare-eligible retirees may have additional coverage through the Plan, including Medicare Advantage for eligible High Option members and Medicare Part D prescription drug coverage.
Coverage details
High Option amounts apply to what you pay for in-network care. Consumer Driven Option amounts indicate your costs after you meet the deductible.
Benefit
Virtual visits
$0 for first 2 visits
$10 copay
15% of Plan allowance
Benefit
PCA funds
$1,200 (Self) / $2,400 (Self+One or Family) deposited annually; 100% covered until spent
Benefit
Well-child, immunizations, annual exams, screenings
$0
$0 + $25 wellness incentive per completed annual physical exam, mammogram, cervical cancer screening, or colonoscopy/Cologuard
Benefit
Routine dental
30% of Plan allowance
20–50% savings via Careington Dental Discount Network
Benefit
Benefit
Complete maternity care
$0
$0 (no PCA used)
Benefit
Diagnostic tests or imaging
15% ($0 for LabCorp/Quest bloodwork)
15% of Plan allowance
Outpatient surgery
15% of Plan allowance
15% of Plan allowance
Inpatient surgery
15% of Plan allowance
15% of Plan allowance
Cancer Center of Excellence
5% of Plan allowance
10% of Plan allowance
Benefit
Diagnostic and treatment services
15% of Plan allowance
15% of Plan allowance
Benefit
Accidental injury (within 72 hrs)
$0 outpatient
15% of Plan allowance
Urgent care
$30 copay
15% of Plan allowance
Emergency room
15% of Plan allowance
15% of Plan allowance
Ambulance
15%
15% of Plan allowance
Benefit
Diagnostic hearing tests
15% every 2 years
15% every 2 years
Hearing aids
Charges above $1,500 (every 3 yrs)
Charges above $1,500 (every 3 yrs)
Benefit
Office visits
$25 copay
15% of Plan allowance
Outpatient/diagnostic/inpatient
15% of Plan allowance
15% of Plan allowance
Benefit
Chiropractic care
$25 copay, up to 24 visits/yr
15% of Plan allowance, up to 24 visits/yrg
Acupuncture
$25 copay, up to 26 visits/yr
15% of Plan allowance
PT/OT/speech therapy
15%, up to 60 visits/yr
15%, up to 60 visits/yr
Benefit
Retail (30-day)
$10 Tier 1
25% Tier 2 (max $200)
45% Tier 3 (max $300)
25% Tier 1 (min $15, max $200)
25% Tier 2 (min $15, max $200)
40% Tier 3 (min $15, max $300)
Mail-order (90-day)
$20 Tier 1
25% Tier 2 (max $300)
45% Tier 3 (max $500)
GLP-1 drugs for weight loss covered 50% per prescription
25% Tier 1 (min $10, max $600)
25% Tier 2 (min $10, max $600)
40% Tier 3 (min $10, max $900)
GLP-1 drugs for weight loss covered 50% per prescription
We’re here to help you evaluate your options and enroll in a plan.
Access enrollment details for career employees, managers, and employees represented by another union.
Make the most of your Postal Service Health Benefits.
Search for providers in the APWU Health Plan network.
Take our quiz to get personalized guidance on choosing a health plan.
Postal Health Plans
COMING SOON: Explore benefits and coverage for our postal health plans.
High Option
Consumer Driven Option
Postal Health Plans
View a summary of benefits and coverage (SBC) for your plan.
High Option
Postal Health Plans
View a summary of benefits and coverage (SBC) for your plan.
Consumer Driven Option
DEFINITION
Receive a $25 wellness incentive added to your PCA for each family member who completes a yearly checkup or recommended screening.
DEFINITION
15% coinsurance: The percentage of costs you pay after you pay the deductible.
DEFINITION
A Copay is a fixed amount you pay for a covered healthcare service, usually at the time you receive the service.
DEFINITION
Plan allowance is the maximum amount a plan will pay for a covered healthcare service
