Save on healthcare costs with the Consumer Driven Option for federal retirees
Based on your answers, the Consumer Driven Option from APWU Health Plan will let you choose how to spend your healthcare dollars.
Consumer Driven Option premiums
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.
Provider networks
Save money when you see providers in the UnitedHealthcare network, with no need to get a referral. Members have access to UnitedHealthcare network, including:
1.7+ million
providers – as of July 2023
5,000+
hospitals and care facilities
13,500
urgent / convenience care clinics
5,800
freestanding ambulatory surgery centers
100%
digitally focused virtual primary care
Dental & pharmacy coverage
Save on dental care by using dentists in the Careington Dental Discount Network.
Plus, use your PCA dollars for dental services.
OptumRx provides the Consumer Driven Option pharmacy benefit, with a network of 64,000+ retail pharmacies and OptumRx Home Delivery.
Programs & additional benefits
Wellness programs
Rally® is a digital health experience that offers personalized recommendations to help you move more, eat better, and feel great.
One Pass Select is a fitness and well-being subscription-based network that provides access to more than 16,000 gyms and studios.
Maven provides free, 24/7 virtual support for pregnancy, postpartum, and returning to work after parental leave.
Additional benefits
Behavioral health
Health management programs
Infertility services
Cancer Centers of Excellence
Medicare
If you or your spouse are employed and have an APWU Health Plan, APWU Health Plan is your primary health plan and Medicare is secondary. If both you and your spouse are retired, Medicare is your primary coverage and APWU Health Plan is secondary.