Health Benefits Open Season at APWU Health Plan

November 14, 2022

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Start 2023 with the APWU Health Plan! Select the Health Plan that puts you first. At APWU Health Plan, we partner with postal families to create a lifestyle dedicated to healthy living. We are committed to providing our members with innovative high-quality products and services. As a department of the APWU, the Health Plan is a not-for-profit organization that focuses on YOU, postal employees and your families. Below are some of the lowest premiums in the Federal Employees Benefit program and the benefit highlights for 2023: 

(Consumer Driven Option)

  • As part of the collective bargaining agreement, USPS pays a large part of the premiums for APWU members; up to 95% of the premiums are paid by the USPS, putting money back in the pockets of union members
  • Your Personal Care Account (PCA)
    • Members are given an account on day one of coverage that is fully funded by the Health Plan each January
    • The PCA provides $1,200 for Self Only and $2,400 for Self Plus One or Self and Family enrollment
    • The PCA pays for covered medical expenses at 100% as long as there are funds in the account
    • Unused funds will roll over to the next year, up to $5,000 for Self Only and $10,000 for Self Plus One or Self and Family
    • Start your benefit year with no deductible, no copayments, or coinsurance
  • 100% coverage for in-network preventive care
  • 100% coverage for in-network maternity care
  • 100% coverage for pregnancy and tobacco cessation programs
  • Coverage for virtual visits (doctor visits from your phone or tablet)
  • Receive a $25 wellness incentive when you complete a routine physical each year

(High Option)

  • This plan provides maximum coverage with affordable premiums
  • The Health Plan will offer free and low-cost solutions for diabetes medications and supplies:
    • 100% coverage for generic drugs and blood glucose test strips and lancets through mail order
    • Fixed copayments for most insulin-$25/30-day supply; $75/90-day supply
  • No deductible on prescriptions
  • 100% coverage for in-network preventive care
  • 100% for covered labs when you use Quest Diagnostics or LabCorp
  • 100% coverage for in-network maternity care
  • 100% coverage for accidental injury within 72 hours
  • 100% coverage for in-network visits to a dietician or nutritionist
  • $25 copayment to see an in-network doctor, including specialists
  • $10 copayment for virtual visits through Amwell
  • Generic drugs at retail pharmacy $10 for 30 day supply, $20 for a 90 day supply
  • High Option members can opt to join the Medicare Advantage enhancement when you have Medicare Parts A and B; more coverage for the same premiums

Contact Us:

Medicare Advantage Plan Enhancement: Call 1-855-383-8793

For Open Season Questions, call 1-800-PIC-APWU


Go to: and click on Open Season

Email Director’s office:

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