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.
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
| PSHB Enrollment code | PSE & APWU career < 1 year in FEHB/PSHB | APWU career > 1 year in FEHB/PSHB |
|---|---|---|
| Self - 23D | $91.10 | $30.16 |
| Self + One - 23F | $198.00 | $70.60 |
| Self & Family - 23E | $216.01 | $82.48 |
Important Notice: The PSHB Enrollment system will not show the APWU contractually negotiated rates for the Consumer Driven Option. If you are eligible, your 2026 plan year rates are as follows: $30.16 for Self Only, $70.60 for Self Plus One, and $82.48 for Self & Family. The correct rates will be applied when USPS sets up your payroll deductions.
| PSHB enrollment code | Biweekly | Monthly / Retiree |
|---|---|---|
| Self - 23D | $91.10 | $197.39 |
| Self + One - 23F | $198.00 | $429.01 |
| Self & Family - 23E | $216.01 | $468.02 |
Download APWU Health Plan postal flyers 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. Dental coverage is also available by enrolling in the APWU Health Plan Dental Insurance Plan.
Behavioral health
Infertility services
Cancer Centers of
Excellence
Review the 2026 Consumer Driven Option Preferred Formulary prescription drugs.
Review the 2026 APWU Health Plan PSHB brochure detailing postal 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.
Important Notice:
The PSHB Enrollment system will not show the APWU contractually negotiated rates for the Consumer Driven Option.
If you are eligible, your biweekly 2026 plan year rates are as follows:
The correct rates will be applied when USPS sets up your payroll deductions.