My Consumer Driven Option

Sarah Jane Rodriguez

March 16, 2023

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On behalf of the entire APWU Health Plan, I would like to welcome all of our new members and their families. The Health Plan team looks forward to serving you for many years to come.

The APWU Health Plan offers two rich and comprehensive plans: the High Option and the Consumer Driven Option. This Open Season so many of you enrolled in the Consumer Driven Option! I thought this would be a great time to highlight the benefits of this plan.

Get more for less! For example, if you are a Self Only member of the Consumer Driven Option, then your biweekly premium could be only $14.77! The reason behind this is that under the Collective Bargaining Agreement, the APWU negotiated a benefit that the USPS pays 95 percent of your premium for this plan. To qualify for this discount, you must be a career APWU bargaining unit employee who has been enrolled in a FEHB plan as the subscriber for at least one year. This a great union benefit that members are taking advantage of. I enrolled my family in the Consumer Driven Option to take advantage of these savings, and we absolutely love it!

With the Consumer Driven Option, the APWU Health Plan funds your Personal Care Account (PCA) with $1,200 for Self Only and $2,400 for Self Plus One and Self and Family every January. These funds will automatically pay all covered medical and pharmacy bills until exhausted. If funds are available in your PCA you can also submit for reimbursement dental and vision costs that you paid for out-of-pocket, up to $400 for Self Only, and $800 for Self Plus One and Self and Family. And did you know that the APWU Health Plan will pay you to get your annual physical? In PCA funds that is! We will put a $25 wellness credit into your PCA for each family member on your plan that completes their annual physical. So, for a family of four that’s an extra $100 you’ll get on top of the $2,400 that you get on Jan. 1! And the visit is free when you use a network provider. Annual physicals are a great way to start a healthy new year.

In addition to the website, another great resource for our Consumer Driven Option members is the portal. Sign into your portal for online tools and resources that will help you to take full advantage of this plan and all of its benefits. You can sign in to:

  • Find network doctors and healthcare providers
  • Print a temporary ID card
  • View claims and PCA balances
  • Get estimates for treatments and procedures
  • Price your medications
  • Find what services are covered

The Consumer Driven Option is an excellent plan and we’re excited for you to take advantage of its generous benefits and perks. If you are a member and have any questions about your plan, don’t hesitate to reach out to us at 800-718-1299 or go to: 


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