Health insurance plans for federal and postal employees

APWU Health Plan has proudly served the postal workforce, federal employees, and retirees for 65 years. Safeguard your future with affordable PSHB and FEHB plans that put you first.

Postal health plans

Federal health plans

Prescription resources

High Option
Express Scripts Calculator

Consumer Driven Option
OptumRx Calculator

Benefits at a glance

APWU Health Plan offers two smart plans to consider. Explore benefits and coverage side-by-side for Consumer Driven Option and High Option.

Member resources

2026 plan brochures

Explore benefits and coverage for our health plans.

Medicare Advantage

You’re invited to attend a free webinar on the basics of Medicare.

Medicare coverage

Find out how APWU Health Plan works with Medicare to cover you in retirement.

Infertility medical policy

APWU Health Plan covers the diagnosis and treatment of infertility.

Bariatric surgery medical policy

Our plans cover members who need bariatric surgery for severe obesity.

Claims and appeals

Learn how a member can appeal an APWU Health Plan decision.

More resources

Order claim forms

You can request printed claim forms to be mailed to you if you are having difficulty printing then from your device.

Infertility Medical Policy

Download your APWU Health Plan infertility diagnosis, treatment and fertility preservation medical policy.

Bariatric Surgery Medical Policy

View the complete medical policy for APWU Health Plan members who need bariatric surgery to treat obesity.

Gender Dysphoria Treatment Policy

Download the gender dysphoria treatment medical policy for members of APWU Health Plan.

100% coverage for many in-network services

Preventive care can lower your healthcare costs

Getting regular checkups and screenings helps your doctor find health issues early, when treatment is more likely to succeed. You’ll pay $0 when you stay in the network.

Explore our health plans

Postal Health Plans

Explore plans for eligible postal employees, families, and retirees under the PSHB Program

As a national preferred provider organization (PPO), APWU Health Plan offers a fee-for-service High Option and a Consumer Driven Option paired with a Personal Care Account.

Federal Health Plans

Explore plans for eligible federal employees, families, and retirees under the FEHB Program

APWU Health Plan has proudly served employees and retirees covered under the FEHB Program since 1960. We look forward to serving you in 2026 and beyond.

Health plan frequently asked questions

From our members

Members love APWU Health Plan

“The customer service representative was very professional and very knowledgeable. She answered all my questions, and the best thing about it, she listened to my concerns, didn’t rush me, and you could tell she had a smile on her face.”

“The customer service representative was very friendly, very helpful, and she was able to make it easy for me to understand what was going on with my claims.”

“I’m new to the APWU Health Plan. The customer service rep was wonderful—polite, positive, cheerful and friendly. She understood my questions, gave me plenty of time to ask them and didn’t talk over me. It was an all-around really good experience!”

“She is an extremely wonderful customer service rep. She was very thorough and very professional, and I so appreciate all of the assistance she gave me.”

“We’ve been with APWU Health Plan for years. I just want to say I have received excellent customer service from APWU Health Plan. The representatives are well trained, and they know what they’re talking about. They’re very helpful.”

Find a health plan that’s right for you

Access our wide network of providers