Health insurance plans for federal and postal employees
APWU Health Plan covers postal workers and retirees eligible for the new Postal Service Health Benefits (PSHB) Program and federal employees and retirees eligible for the Federal Employees Health Benefits (FEHB) Program.
Postal health plans
Federal health plans
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
2025 postal brochure
Download the APWU Health Plan PSHB brochure to learn details about coverage and services covered under our postal health plans, as well as exclusions and limitations.
2025 federal brochure
Download the APWU Health Plan FEHB brochure to learn details about coverage and services covered under our federal health plans, as well as exclusions and limitations.
High Option prescription calculator
Express Scripts manages prescription drug benefits for High Option members. Calculate the cost of medication ahead of time with the cost calculator tool.
Consumer Driven Option prescription calculator
OptumRx manages prescription drug benefits for Consumer Driven Option members. Calculate the cost of medication ahead of time with the cost calculator tool.
Medicare coverage
Find out how APWU Health Plan works with Medicare to cover you in retirement.
Infertility medical policy
Download your APWU Health Plan infertility diagnosis, treatment, and fertility preservation medical policy.
Bariatric surgery medical policy
Gender dysphoria treatment policy
More resources
Order claim forms
Infertility Medical Policy
Bariatric Surgery Medical Policy
Gender Dysphoria Treatment Policy
Member news
Support for those affected by severe storms and tornadoes
UnitedHealthcare Extends Service
April 3, 2025
The devastation caused by Severe Storms and Tornadoes has had a profound impact on an individual’s access to health care services in their community. Our priority is making sure that everyone impacted has immediate and easy access to the care they need.
In compliance with CMS provisions, UnitedHealthcare has taken the following actions as part of its commitment to helping Group Retiree members, customers, care providers, and employees in the areas impacted by Severe Storms and Tornadoes, including:
- Kentucky: Statewide
- Arkansas: Statewide
Access to Care: Members who may have been displaced from their homes or whose network provider or medical facility is inaccessible can access care anywhere, as needed and it will be covered at their in-network benefit level.
Prescription Medications: Members who need help obtaining early prescription refills may work with their pharmacy who can obtain an override on their behalf, or they can contact the Customer Care number on the back of their ID card. For mail-order delivery service to affected areas or any other questions related to their prescriptions, members can contact the pharmacy number on the back of their ID card and discuss their situation for assistance, obtaining a local supply, if necessary, and more.
For Additional Assistance: Members can call the Customer Care number on the back of their medical ID card, if they need additional assistance. If they have misplaced their medical ID card, they can call 866-633-2446, 8 a.m. – 8 p.m. (in the local time zone), Monday through Friday, or visit retiree.uhc.com External link to request a new ID card and print a temporary ID card to use while waiting for their new ID card to arrive.
We will continue to review the need to offer this support.
Help For the broader community:
Free Help Line: Optum is offering a free emotional-support help line to affected individuals. The toll-free number is 866-447-3573. This line will be open Monday – Friday from 8 a.m. – 8 p.m. CST for two weeks from the date of the event. The service is free of charge and open to anyone. Callers may also receive referrals to community resources. Along with the toll-free help line, emotional-support resources and information are available online at https://www.liveandworkwell.com External link.
Our thoughts go out to all those affected. We will continue to monitor this situation closely.
Resources for Medicare Advantage members affected by the North Carolina wildfires
Our thoughts go out to all those affected by the North Carolina wildfires. Please know that your Health Plan is here for you and has implemented the following changes to your coverage.
Our priority is making sure you have immediate and easy access to the care you need
In compliance with CMS provisions, UnitedHealthcare has taken the following actions as part of its commitment to helping Group Retiree members, customers, care providers, and employees in the areas affected by the North Carolina wildfires, including:
- Alexander, Alleghany, Ashe, Avery
- Buncombe, Burke
- Cabarrus, Caldwell, Catawba, Cherokee, Clay, Cleveland
- Gaston, Graham, Haywood, Henderson, Iredell, Jackson
- Lincoln, Macon, Madison, McDowell, Mecklenburg, Mitchell
- Polk, Rowan, Rutherford, Stanly, Swain
- Transylvania, Union, Watauga, Wilkes, Yancey
Access to care
Members who may have been displaced from their homes or whose network provider or medical facility is inaccessible can access care anywhere, as needed, and it will be covered at their in-network benefit level.
Prescription medications
Members who need help obtaining early prescription refills may work with their pharmacy who can obtain an override on their behalf, or they can contact the Customer Care number on the back of their ID card.
For mail-order delivery service to affected areas or any other questions related to their prescriptions, members can contact the pharmacy number on the back of their ID card and discuss their situation for assistance, obtaining a local supply, if necessary, and more.
Additional assistance
Members can call the Customer Care number on the back of their medical ID card, if they need additional assistance.
If you have misplaced your medical ID card, call:
1-866-633-2446
Monday-Friday
8 am – 8 pm (local time)
To request a new ID card and print a temporary ID card to use while waiting for your new ID card to arrive, visit retiree.uhc.com External link.
Access emotional support resources
Optum is offering a free emotional-support help line open to anyone. The line will be open for two weeks following the earthquake. Callers may also receive referrals to community resources.
1-866-447-3573
Monday-Friday
8 am – 8 pm CT
In addition, Live and Work Well External link offers emotional support resources and information online.
We will continue to monitor this situation closely.
Resources for Medicare Advantage members affected by the Table Rock fire
Our thoughts go out to all those affected by the Table Rock fire. Please know that your Health Plan is here for you and has implemented the following changes to your coverage.
Our priority is making sure you have immediate and easy access to the care you need
In compliance with CMS provisions, UnitedHealthcare has taken the following actions as part of its commitment to helping Group Retiree members, customers, care providers, and employees in the areas affected by the fire, including Pickens County, South Carolina.
Access to care
Members who may have been displaced from their homes or whose network provider or medical facility is inaccessible can access care anywhere, as needed, and it will be covered at their in-network benefit level.
Prescription medications
Members who need help obtaining early prescription refills may work with their pharmacy who can obtain an override on their behalf, or they can contact the Customer Care number on the back of their ID card.
For mail-order delivery service to affected areas or any other questions related to their prescriptions, members can contact the pharmacy number on the back of their ID card and discuss their situation for assistance, obtaining a local supply, if necessary, and more.
Additional assistance
Members can call the Customer Care number on the back of their medical ID card, if they need additional assistance.
If you have misplaced your medical ID card, call:
1-866-633-2446
Monday-Friday
8 am – 8 pm (local time)
To request a new ID card and print a temporary ID card to use while waiting for your new ID card to arrive, visit retiree.uhc.com External link.
Access emotional support resources
Optum is offering a free emotional-support help line open to anyone. The line will be open for two weeks following the earthquake. Callers may also receive referrals to community resources.
1-866-447-3573
Monday-Friday
8 am – 8 pm CT
In addition, Live and Work Well External link offers emotional support resources and information online.
We will continue to monitor this situation closely.
Resources for Medicare Advantage members affected by the Black Cove complex fire
Our thoughts go out to all those affected by the Black Cove complex fire. Please know that your Health Plan is here for you and has implemented the following changes to your coverage.
Our priority is making sure you have immediate and easy access to the care you need
In compliance with CMS provisions, UnitedHealthcare has taken the following actions as part of its commitment to helping Group Retiree members, customers, care providers, and employees in the areas affected by the fire, including Polk County, North Carolina.
Access to care
Members who may have been displaced from their homes or whose network provider or medical facility is inaccessible can access care anywhere, as needed, and it will be covered at their in-network benefit level.
Prescription medications
Members who need help obtaining early prescription refills may work with their pharmacy who can obtain an override on their behalf, or they can contact the Customer Care number on the back of their ID card.
For mail-order delivery service to affected areas or any other questions related to their prescriptions, members can contact the pharmacy number on the back of their ID card and discuss their situation for assistance, obtaining a local supply, if necessary, and more.
Additional assistance
Members can call the Customer Care number on the back of their medical ID card, if they need additional assistance.
If you have misplaced your medical ID card, call:
1-866-633-2446
Monday-Friday
8 am – 8 pm (local time)
To request a new ID card and print a temporary ID card to use while waiting for your new ID card to arrive, visit retiree.uhc.com External link.
Access emotional support resources
Optum is offering a free emotional-support help line open to anyone. The line will be open for two weeks following the earthquake. Callers may also receive referrals to community resources.
1-866-447-3573
Monday-Friday
8 am – 8 pm CT
In addition, Live and Work Well External link offers emotional support resources and information online
We will continue to monitor this situation closely.
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