The American Postal Workers Union (APWU) Health Plan offers both a fee-for-service plan with PPOs and a Consumer Driven Health Plan. Both options are open to employees or retirees covered under the Federal Employees Health Benefits (FEHB) Program. Located in Glen Burnie, Maryland, the Health Plan is a department of the American Postal Workers Union. At our office, we employ 200 persons, to service the 141,000 people who are covered by the Health Plan. The APWU Health Plan is a self-administered and self-underwritten plan, fully committed to providing quality health insurance to eligible members within the FEHB Program.

The APWU Health Plan has been serving its members since 1960, when the FEHB Program first began. We are proud of our long-standing tradition of offering comprehensive benefits to all Postal and Federal employees and retirees, no matter where they live or work.

APWU Health Plan offers two exceptional options. APWU Health Plan’s dynamic low-cost option is called Consumer Driven Health Plan because it gives back to you, the consumer, more healthcare choices, more control over your decisions and more support when you need your health plan to be there for you. We were the first health plan in the Federal Employees Health Benefits Program to offer this innovative new health benefit option, and one of the first in the nation. We believe our Consumer Driven Health Plan gives members more healthcare choices and a new way to meet individual health and wellness needs.

APWU Health Plan’s highly regarded High Option is a fee-for-service plan that includes Preferred Provider Organization networks. The High Option offers a variety of tremendous and innovative ideas such as the Health Plan's unique Wellness Benefit that reimburses members who have used little or no benefit in a plan year; and 24 hour-a-day access to a voluntary nurse advisory line. Other High Option benefits include an excellent prescription drug program, with no deductible and low copayments. APWU Health Plan’s Well Child benefit covers recommended childhood immunizations at 100% if a Preferred Provider is used. Members receive full coverage with the High Option’s Accidental Injury benefit if PPO providers are used, and in-network mental health and substance abuse benefits are comparable to medical care.

Our members always have the flexibility to choose their own providers of service-hospitals, primary care doctors or specialists. Many of our members find that their doctors and their hospital of choice participate with one of our cost-saving Preferred Provider Organizations (PPO). The Health Plan covers a greater percentage of the cost, while these providers discount the costs for their services. Additionally, PPO providers will bill the Health Plan directly, eliminating the need to file claims.

The High Option offers over 5,400 PPO hospitals and over 563,000 other PPO providers, including primary care physicians, specialists and outpatient facilities such as laboratories and surgical centers. Participating providers are found in all 50 states, plus Washington, DC, Puerto Rico, and the U.S. Virgin Islands.

In addition to the thousands of PPO hospitals and doctors that participate with the High Option, we also have a contract with over 59,000 retail pharmacies throughout the country. These pharmacies belong to the Medco Health Prescription Solutions prescription network, and the pharmacies discount their charges and bill the Health Plan automatically for you. The Plan also has a convenient mail order prescription drug program for our members with long-term prescription needs. Both prescription programs offer no deductible and low copayments.

With the APWU Health Plan, you receive the same excellent, comprehensive coverage, wherever you live or travel, worldwide! There are never any geographic restrictions. Your insurance goes where you go. We offer our members hospitalization coverage, medical/surgical coverage, dental benefits, mental conditions and substance abuse coverage, and several very attractive prescription drug programs. Click here for more information regarding the High Option benefits and here for Consumer Driven Health Plan benefits. Click here to sign up to receive information via email from the APWU Health Plan.