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Personal Care Account

Every member who enrolls in the APWU Health Plan Consumer Driven Option receives a Personal Care Account. Each year, the Plan adds to your account:

$1,200 per year for Self Only enrollment
or
$2,400 per year for Self and Family enrollment

Your PCA covers all eligible expenses at 100%. For example, if you are ill and go to a network doctor for a $60 visit, the doctor will submit your claim and the cost of the visit will be deducted automatically from your PCA. You pay nothing.

And the best news? In-network preventive care covered under CDHP Section 5 does not count against your PCA.

Example
Balance in PCA (Self Only) $1,200
Minus the cost of your visit - 60
Balance remaining in PCA $1,140

Notes
  • In-network preventive care covered under CDHP Section 5 does NOT count against your PCA.
  • See pages 75 and 76 of the 2015 Federal Brochure.
You control your PCA
If you do not want your PCA to automatically pay your medical claims:
  1. Log onto myuhc.com
  2. Select Claims and Accounts
  3. Select Health Reimbursement Account
  4. Select Automatic Payment
  5. Select Change Automatic Payment Settings


Note
Your pharmacy claims will always be paid automatically by your PCA.