Save on healthcare costs with the Consumer Driven Option for the postal workforce
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
These are projections. Confirm your final premiums with Shared Services or your agency representative.
Premiums for Tribal employees are shown under the monthly premium rate column. The amount shown is the maximum you will pay. Your Tribal employer may choose to contribute a higher portion of your premium. Please contact your Tribal Benefits Officer for exact rates.
These are projections. Confirm your final premiums with Shared Services or your agency representative.
Premiums for Tribal employees are shown under the monthly premium rate column. The amount shown is the maximum you will pay. Your Tribal employer may choose to contribute a higher portion of your premium. Please contact your Tribal Benefits Officer for exact rates.
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