High Option for postal employees

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

High Option highlights

With low copays and low deductibles, the High Option is a premier plan in the Postal Service Health Benefits (PSHB) Program.

100% coverage for in-network care

  • From age 35 through 39, one during this five-year period
  • From age 40, one every calendar year

$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 retail non-specialty Tier 1 drugs.

Learn more about the High Option plan.

High Option premiums

Reduced premiums for 2026!

Premiums

PSHB enrollment code Biweekly Monthly / Retiree
Self - 23A $107.15 $232.16
Self + One - 23C $216.18 $468.38
Self & Family - 23B $275.94 $597.87

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

Find doctors and providers in our national network.

Locate behavioral health providers.

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

Cancer Centers of
Excellence

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

Download and access Health Plan resources

2026 High Option Preferred Formulary

Coming soon

2026 PSHB High Option Summary of Benefits and Coverage (SBC)

2026 Postal Brochure

Review the 2026 APWU Health Plan brochure detailing postal employee benefit options.

Postal Health Plan Online Resources