Consumer Driven Option — New Benefits and Low Costs for 2009. Take a look at APWU Health Plan's Consumer Driven Option for 2009:   NEW hearing benefit NEW prescription drug maximums Premium costs rank among the lowest available 100 percent preventive coverage with in-network doctors. You do not need to use your PCA dollars! An APWU Health Plan-funded Personal Care Account (PCA) provides 100 percent coverage of medical and pharmacy expenses while PCA dollars are available Ability to use PCA dollars for most vision and dental services Rollover unused PCA benefit dollars for the following year No upfront deductible of copays Enjoy the freedom to choose a doctor from a network of 560,000 outpatient providers, or select a doctor outside of the network New Hearing Benefit Diagnostic hearing tests for hearing aids every two years PPO: You pay 15% of the Plan allowance Non-PPO: You pay 40% of the Plan allowance Hearing aids are covered every three years up to $1,500 New Maximum for Prescription Drugs There's a maximum of $200 per prescription when you use a Network Retail Pharmacy When you use the Network Mail Order Pharmacy, the maximum is $600 per prescription The Consumer Driven Option is administered for APWU Health Plan by United Healthcare. We've provided a link to United Healthcare's website, where you can take a tour and see the benefits of the Consumer Driven Option.

	How the Consumer Driven Option Works Personal Care Account (PCA): The Foundation You receive a fully funded account with benefit dollars available to you in the PCA (Health Reimbursement Arrangement) You have flexibility about how to use Used FIRST for your healthcare needs; pays 100% of eligible expenses Total amount is available to use on the first day of the year For the majority of members, it's all you'll need all year     Self Only   Self and Family Annual PCA Benefit   $1,200   $2,400 Rollover Any unused PCA balance rolls over at benefit year-end for you to use in the future. In-Network Preventive Care-100% Coverage Preventive care is covered 100% in-network and does not reduce your PCA balance. Deductible: Bridging Your PCA and Health Coverage If you use all of your PCA, you are responsible for paying for additional healthcare expenses up to the amount of your Deductible. Your Deductible will be less if you roll over PCA benefit dollars from the previous benefit year.   Self Only   Self and Family Deductible $600   $1,200 Traditional Health Coverage: The Extra Security If you exceed your PCA and meet your Deductible, Traditional Health Coverage pays for additional healthcare expenses according to the schedule below. Many other services apply, in addition to these. Service You Pay In-Network   You Pay Out-of-Network Office visit 15%   40% Chiropractic 15%   40% Prescription drugs 25%   not covered Infertility diagnosis and treatment 15%   40% Maternity 15%   40% Emergency Room Care 15%   15%