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 postal brochure

Explore benefits and coverage for our postal health plans.

2026 federal brochure

Explore benefits and coverage for our federal health plans.

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.

Member news

Weather-related pharmacy update

January 26, 2026

Due to the recent snowstorm affecting 16 states and the District of Columbia, Express Scripts and Optum have temporarily relaxed certain requirements and taken additional steps to help ensure members continue to receive their medications without interruption.

If a member is unable to receive their prescription by mail, both Express Scripts and Optum can transfer the prescription to a local retail pharmacy for dispensing.

Express Scripts Pharmacy Services: 1-800-922-1557
Optum Pharmacy Services: 1-855-808-3003

Both pharmacies can assist local pharmacists with processing prescriptions if needed.

Doctor calls and drug utilization review (DUR) calls will continue, and every effort will be made to complete these reviews and fill prescriptions as required.

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