Review the 2026 High Option Preferred Formulary prescription drugs.
Open Season 2025
With no deductible and low copays, the High Option prescription drug plan includes access to nearly 64,000 pharmacies in the Express Scripts network, along with home delivery in all 50 states.
High Option prescription coverage
Retail prescription drugs
Non-specialty 30-day supply
Mail-order prescription drugs
Non-specialty 90-day supply
Retail prescription drugs
Specialty 30-day supply
Mail-order prescription drugs
Specialty 90-day supply
In-network (PPO) you pay
$10 for Tier 1
25% for Tier 2, max $200 per Rx
45% for Tier 3, max $300 per Rx
$20 for Tier 1
25% for Tier 2, max $300 per Rx
45% for Tier 3, max $500 per Rx
25% for Tier 4, max $300 per Rx
25% for Tier 5, max $600 per Rx
45% for Tier 6, max $1,000 per Rx
25% for Tier 4, max $150 per Rx
25% for Tier 5, max $300 per Rx
45% for Tier 6, max $500 per Rx
The calendar year deductible does not apply to pharmacy benefits. However, money spent on pharmacy coinsurance counts toward the deductible.
Express Scripts manages prescription drug benefits for the High Option.
Visit the Express Scripts prescription cost calculator.
High Option retirees receive Medicare prescription drug coverage at no extra cost.
Review the 2026 High 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.
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.