Benefits at a glance
APWU Health Plan gives you two smart plans to consider. Compare them side by side.
Home > Postal Health Plans > Postal Consumer Driven Option Plan
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
wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Enrollment code | PSE or APWU career < 1 year in FEHB/PSHB | APWU career > 1 year in FEHB/PSHB |
---|---|---|---|---|---|---|---|
1 | m3growth | 16/09/2024 12:41 PM | lara | 05/11/2024 11:58 AM | Self - 23D | $80.62 | $16.12 |
2 | m3growth | 16/09/2024 12:41 PM | lara | 05/11/2024 11:58 AM | Self + One - 23F | $175.23 | $35.05 |
3 | m3growth | 16/09/2024 12:41 PM | lara | 05/11/2024 11:58 AM | Self & Family - 23E | $191.16 | $38.23 |
wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Enrollment code | Biweekly | Monthly |
---|---|---|---|---|---|---|---|
1 | m3growth | 16/09/2024 12:41 PM | lara | 24/10/2024 08:07 AM | Self - 23D | $80.62 | $174.68 |
2 | m3growth | 16/09/2024 12:41 PM | lara | 26/09/2024 09:24 PM | Self + One - 23F | $175.23 | $379.66 |
3 | m3growth | 16/09/2024 12:41 PM | lara | 26/09/2024 09:24 PM | Self & Family - 23E | $191.16 | $414.17 |
Download APWU Health Plan postal flyers to learn about benefits and coverage details.
Behavioral
health
Gender affirming
care
Cancer Centers of
Excellence
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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.
In order to provide Postal Service employees and Postal Service annuitants with additional time to review and/ or change their health insurance enrollment during this inaugural Postal Service Health Benefits Program (PSHBP) year, OPM is extending Open Season through Friday, December 13, 2024, for the PSHBP.
This extension does not include the Federal Employees Health Benefits Program, Federal Employees Dental and Vision Insurance Program.