Save on healthcare costs with the Consumer Driven Option with Medicare for postal retirees
Based on your answers, the APWU Health Plan Consumer Driven Option with Medicare will give you more control over how to spend your healthcare dollars.
2026 Consumer Driven Option premiums
| PSHB enrollment code | PSE & APWU career < 1 year in FEHB/PSHB | APWU career > 1 year in FEHB/PSHB |
|---|---|---|
| Self - 23D | $91.10 | $30.16 |
| Self + One - 23F | $198.00 | $70.60 |
| Self & Family - 23E | $216.01 | $82.48 |
| PSHB enrollment code | Biweekly | Monthly / Retiree |
|---|---|---|
| Self - 23D | $91.10 | $197.39 |
| Self + One - 23F | $198.00 | $429.01 |
| Self & Family - 23E | $216.01 | $468.02 |
Personal Care Account (PCA)
The Consumer Driven Option includes a PCA that covers 100% of all eligible expenses. Each year, the Plan adds to your account:
for Self
for Self Plus One and Self & Family
Plus get an additional $25 wellness incentive added to your PCA for qualifying preventive screenings.
Annual physical exam and mammogram
Provider network
1.8+ million
providers as of 2025
5,600+
hospitals and care facilities
14,000+
urgent / convenience care clinics
6,400+
freestanding ambulatory surgery centers
100%
digitally focused virtual primary care
Pharmacy & dental coverage
OptumRx provides the Consumer Driven Option pharmacy benefit, with a network of 67,000 retail pharmacies and OptumRx Home Delivery.
Save on dental care by using dentists in the Careington Dental Discount Network.
Plus, use your PCA dollars for dental services.
Programs & additional benefits
Wellness programs
Engage
Access 16,000+ gyms and fitness studios available through five membership tiers, with the option to change tiers monthly.
Additional benefits
Behavioral health
Health management programs
Cancer Centers of Excellence
Medicare eligibility and enrollment
To be eligible for Medicare, you must be a U.S. citizen or legal resident who has lived in the country for at least five consecutive years.
Medicare is for:
- People 65 years of age and older
- Some people with eligible disabilities under age 65
- People with end-stage renal disease