Together. Better Health.

(This article first appeared in the November-December 2016 issue of The American Postal Worker magazine.)

The 2016 Open Season will run Nov. 14 – Dec. 12.

If you are enrolled in a different plan, consider joining the union-owned APWU Health Plan – a not-for-profit organization, where your health care needs are our #1 priority.

THE HIGH OPTION at a Glance

Since 1960, the High Option has offered comprehensive benefits to postal employees, featuring low co-pays and deductibles, with a vast nationwide network using Cigna’s doctors and hospitals. Members have access to 1 million providers. The High Option is the premier plan in the Federal Employees Health Benefits Program (FEHBP).

The APWU Health Plan’s #1 priority is to serve your family’s health care needs. Advocating on your behalf is what drives us.

Remember: Self Plus One enrollment allows you to cover yourself and one eligible family member.

High Option Highlights

You pay nothing for these services when you choose a network doctor:

• Preventive care and screenings
• Maternity care
• Treatment of accidental injuries within 24 hours
• Lab tests when you use LabCorp and Quest Diagnostics
• Programs to help you manage diabetes, hypertension, weight gain, 
  pregnancy and tobacco use

Other Plan Highlights:

• $20 co-pay for office visits, including specialist and virtual visits
• $40 co-pay for all urgent care centers
• $10 co-pay for retail generic drugs; for extra savings mail order is available
• $350 deductible for Self Only or $700 for Self Plus One and Self and Family (in-network)
• Routine dental coverage paid at 70%
• Cancer Centers of Excellence paid at 95%
• Discount vision program
• Extra dental discount when you complete a Health Risk Assessment online

The American Postal Worker High Option Rates 2017

Consumer Driven Option Highlights

Your Personal Care Account (PCA):

• Members are given an account on day one of coverage that is fully funded, and provided annually by the Health Plan
• 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
• Any unused funds will rollover to the next year, provided you remain a Health Plan member

You pay nothing for these services when you choose a network doctor:

• Preventive care and screenings
• Maternity care
• Programs to help you manage diabetes, pregnancy and tobacco use

Other Plan Highlights:

• No upfront deductible, coinsurance or co-pay until your PCA is exhausted
• Virtual visits
• Completing a Health Risk Assessment online adds $50 to your PCA for each 
  covered individual 18 years of age
• Cancer Centers of Excellence paid at 95%
• Dental and vision coverage is available under your PCA
• Prescription drugs paid at 75%