Consumer Driven Option at a glance

The Consumer Driven Option is the APWU Health Plan solution for affordable yet comprehensive care. Our members are the primary decision-makers in the healthcare they receive and pay for. You have greater control in how you use your healthcare benefits.

This is a different model of healthcare that, when used properly, can save you money. With UnitedHealthcare's expansive national network, the Consumer Driven Option is an excellent alternative to traditional healthcare plans.

Plan highlights
  • A Personal Care Account (PCA) provides 100% coverage for the first $1,200 of your annual medical expenses for Self-Only coverage or $2,400 for Self Plus One and Self and Family coverage.
  • No upfront deductible, coinsurance or copay until your PCA is exhausted.
  • Completing a Health Risk Assessment adds $50 to your Personal Care Account per member, spouse and covered dependent age 18 or older.
  • Cancer Centers of Excellence paid at 90%.
  • Dental and vision coverage is available under your Personal Care Account.
Covered 100%

When you choose network doctors.

  • Preventive care and screenings
  • Maternity care
  • Programs to help you manage back pain, and tobacco cessation