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.

When used properly, this different model of health care can save money. With UnitedHealthcare’s expansive national network, this option provides low premiums and a proactive alternative to traditional health plans.

Plan highlights
  • A Personal Care Account (PCA), which is funded by the Health Plan each January and is used by the member for covered medical services. Until the PCA is exhausted, the member is covered at 100%. The Plan funds the PCA at $1,200 for Self Only and $2,400 for Self Plus One and Self and Family.
  • 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