2006 APWU Health Plan

Consumer Driven Health Plan

High Option

APWU Health Plan’s Consumer Driven Health Plan puts you in the driver’s seat and gives you more — more information, more flexibility, more choices and more control.

• Gives you more of what you need to make the smartest healthcare decisions;
• 100 percent preventive coverage for in-network physicians and hospitals;
• Personal Care Account (PCA) covers 100 percent of medical expenses up to $1,200 (individual) or $2,400 (family), including dental and vision care up to certain limits;
• Network includes two out of every three physicians and three out of every four hospitals nationwide; but choose any provider in- or out-of-network;
• Maximum out-of-pocket reduced for Self Only enrollment;
• PCA provides more funds than you’ll pay in annual premiums — so you can receive more than you put in.

The High Option has a history of providing high quality service for members. And this year’s premium costs are reduced to give you even more value.

• Routine physical exam added for 2006;
• Consistently rated one of the top health plans in FEHB;
• Emphasis on prevention, with array of preventive tests and routine physical exams for adults, and 100 percent coverage for immunizations, physical exams and lab tests for children;
• Prescription program with no deductible and low co-payments for generic drugs;
• Huge PPO network, but pick any doctor or hospital in- or out-of-network;
• High Option premium costs are much lower for 2006 than they were in 2005.