Benefits and coverage for your High Option federal plan
With low copays and low deductibles, the High Option is a premier plan in the Federal Employees Health Benefits (FEHB) Program.
Low in-network copays
- $0 for first two Teladoc® virtual visits
- $10 for additional virtual visits
- $25 for office visits, including specialists
- $30 for urgent care
- $10 for retail non-specialty Tier 1 drugs
- $0 for accidental injury care within 72 hours
100% coverage for many in-network services
- Preventive care and screenings
- LabCorp and Quest Diagnostic services
- Recommended vaccines, including RSV
- Maternity care and support
- Generic oral diabetes medications
- Visits to a registered dietician/nutritionist
2026 High Option coverage
| High Option 2026 | ||
|---|---|---|
Calendar year deductibleSelfSelf Plus One / Self & Family |
In-network$450$800 |
Out-of-network$1,000$2,000 |
Annual out-of-pocket maximumCombined medical and prescription drugs |
In-network$6,500 Self $13,000 Self Plus One / Self & Family |
Out-of-network$12,000 Self $24,000 Self Plus One / Self & Family |
| 2026 BENEFITS | High Option in-network you pay | UnitedHealthcare Medicare Advantage (PPO) for APWU Health Plan in-network you pay |
|---|---|---|
| Medical visits | ||
| Office and specialist visits | $25 copay (no deductible applied) | $0 |
| Virtual visits with Teladoc |
$0 copay for first 2 visits $10 copay (no deductible applied) |
$0 |
| Preventive care | ||
| Well-child care | $0 | – |
| Childhood immunizations | $0 | – |
| Annual adult routine exams | $0 | $0 |
| Adult immunizations | $0 | $0 |
| Preventive screenings | $0 | $0 |
| Dental care | ||
|
Routine office visits (2 per year) Cleanings (2 per year) Simple extractions |
30% of Plan allowance and any difference between our allowance and the billed amount (no deductible applied) |
$0 $50 yearly deductible $1,000 max for non-routine per year |
|
Dental X-rays Minor restorative care – fillings |
30% of Plan allowance and any difference between our allowance and the billed amount (no deductible applied) |
20% coinsurnace $50 yearly deductible $1,000 max for non-routine per year |
| Major resrorative care (crowns, root canals, and other restorative services) | – |
50% coinsurnace $50 yearly deductible $1,000 max for non-routine per year |
| Diabetes care | ||
| Generic oral medication, formulary blood glucose test strips, and lancets (used to reduce blood sugar) | $0 through mail-order | $0 |
| Maternity | ||
| Complete maternity care, including prenatal, delivery, postnatal, and initial exam of newborn covered under family enrollment | $0 | – |
| Hospital/facility care | ||
| Diagnostic tests or imaging | 15% of the Plan allowance ($0 for covered blood work performed at LabCorp and Quest Diagnostics, no deductible applied) | $0 |
| Outpatient surgery | 15% of the Plan allowance | $0 |
| Inpatient | 15% of the Plan allowance | $0 |
| Surgical | 15% of the Plan allowance | $0 |
| Cancer Centers of Excellence | 5% of the Plan allowance | $0 |
| Infertility treatment | ||
| Diagnostic and treatment services | 15% of the Plan allowance | – |
| Emergency care | ||
| Accidental injury (within 72 hours) | $0 | $0 |
| Urgent care | $30 copay (no deductible applied) | $0 |
| Emergency room | 15% of the Plan allowance | $0 |
| Ambulance | 15% of the Plan allowance (no deductible applied) | $0 |
| Hearing services | ||
| Diagnostic hearing tests | 15% of the Plan allowance (every 2 years) | $0 |
| Hearing aids | All charges in excess of $1,500 (every 3 years, no deductible applied) | Allowance of $1,500 (must use UnitedHealthcare Hearing network providers) |
| Alternative care | ||
| Physical therapy | 15% of the Plan allowance (60 visits per year) | $0 (unlimited visits) |
| Chiropractic care | $25 copay (24 visits per year, no deductible applied) | $0 (unlimited visits) |
| Acupuncture | $25 copay (26 visits per year, no deductible applied) | $0 (unlimited visits) |
| Mental health/substance use | ||
| Office visits | $25 copay (no deductible applied) | $0 |
| Outpatient treatment | 15% of the Plan allowance | $0 |
| Diagnostics, inpatient, and outpatient services | 15% of the Plan allowance | $0 |
| Prescription coverage | ||
|
Retail prescription drugs Non-specialty 30-day supply |
Per Rx: $10 for Tier 1 drugs, 25% for Tier 2 drugs – max $200 coinsurance, 45% for Tier 3 drugs – max $300 coinsurance (no deductible applied) | Learn about the Medicare Advantage plan’s Part D prescription drug coverage |
|
Mail-order prescription drugs Non-specialty 90-day supply |
Per Rx: $20 for Tier 1 drugs, 25% for Tier 2 drugs, max $300 coinsurance, 45% for Tier 3 drugs, max $500 coinsurance (no deductible applied) | |
|
Retail prescription drugs Specialty 30-day supply |
Per Rx: 25% for Tier 4 drugs – max $300, 25% for Tier 5 drugs – max $600, 45% for Tier 6 drugs – max $1,000 (no deductible applied) | |
|
Mail-order prescription drugs Specialty 90-day supply |
Per Rx: 25% for Tier 4 drugs – max $150, 25% for Tier 5 drugs – max $300, 45% for Tier 6 drugs – max $500 (no deductible applied) | |
Take advantage of added benefits for High Option members
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