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Consumer Driven Option for postal employees

Your own Personal Care Account (PCA) helps pay for medical expenses.

Consumer Driven Option highlights

Benefits at a glance

Personal Care Account (PCA)

Choose how to spend your healthcare dollars

The Consumer Driven Option includes a PCA that covers 100% of all eligible expenses. Each year, the Plan adds to your account: 

$1,200

for Self

$2,400

for Self Plus One and Self and Family

No upfront deductible, coinsurance, or copay until you use up the funds in your PCA.

Get a $25 wellness incentive added to your PCA for yourself and each covered family member who completes:
  • Annual physical exam
  • Mammogram
  • Cervical cancer screening

Dental and vision services are payable out of your PCA. 

The plan covers 90% of care received at a Cancer Center of Excellence.

Learn more about the Consumer Driven Option plan. Watch our Consumer Driven Option explainer video

Consumer Driven Option premiums

Low rates with your own PCA

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

See any doctor you want but save money when you use providers in the Consumer Driven Option network.

Pharmacy

OptumRx provides the Consumer Driven Option pharmacy benefit, with a network of 64,000+ retail pharmacies and OptumRx Home Delivery.

Dental

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.

Additional benefits

Behavioral
health

Health management programs
Infertility services

Gender affirming
care

Cancer Centers of
Excellence

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

Download and access Health Plan resources

How does a PCA lower your healthcare costs?

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.

PSHB Program: Open Season extended through 12/13

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.