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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

  • Age 35–39, one during this five-year period
  • Age 40–64, one every calendar year
  • Age 65 and older, one every two consecutive calendar years

$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 Tier 1 drugs.

Learn more about the High Option plan.
Watch our High Option explainer video

High Option premiums

Reduced premiums for 2025!

Premiums

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

Find doctors and providers in our national network.

For Utah residents, find doctors and providers.

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

Gender affirming
care

Cancer Centers of
Excellence

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

Download and access Health Plan resources

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.