- Home
- Am I Eligible?
FOR ALL
FEDERAL WORKERS
AND RETIREESAll federal and postal employees and retirees who are eligible to enroll in the FEHB Program may become members of APWU Health Plan.
Check Eligibility- ELIGIBILITY CHECK
- Become a Member
-
SHOPPING FOR A PLAN?
START HERE.APWU Health Plan is a National Preferred Provider Organization (PPO) offering both a fee-for-service High Option Health Plan and a Consumer Driven Option Health Plan. We have been proudly serving America's workforce since 1960.
Compare Plan Options See Premiums See Provider Networks See 2021 Federal Brochure Medicare Advantage Info Sessions Medicare Advantage - HIGH OPTION
- CONSUMER DRIVEN OPTION
- CONVERSION OPTION
-
- Enroll
KEY ENROLLMENT
DATESNew members can enroll during Open Season in the fall, or within 60 days of new employment, or for a qualifying life event.
How to Enroll- ENROLLMENT FACTS
- HOW TO ENROLL
- Healthy Living
TIPS AND TOOLS FOR
A HEALTHIER YOUFind health and wellness information
and tips for getting the most out of
your benefits.- HEALTH NEWS
- Already a Member
APWU HEALTH
PLAN IS PROUD
TO SERVE YOU.YOU CAN CONTACT US AT
1-800-222-APWU (2798)
1-800-622-2511 (TDD)
8:30 am - 7 pm EST
Monday - Friday- FOR HIGH OPTION MEMBERS
- FOR CONSUMER DRIVEN
OPTION MEMBERS - FOR ALL MEMBERS
- Change Your Address
- Order Claim Forms
- Form 1095-B
- Conversion Option
- Health Risk Assessments
- Drug Interaction Checker
- Medical Encyclopedia
- Symptom Checker
- HIPAA Privacy Forms
- Notice of Privacy Practices
- Advance Directives
- Complaints and Grievances
- Member Rights and Responsibilities Statement
- Cigna Behavioral Health
- Healthier at Home
- APW-ABA
- FSA Feds
- OPM.gov
- PostalEase
- NAIC.org
In general, if you or your spouse are working, the APWU Health Plan Consumer Driven Option 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.
When you are enrolled in Medicare, your provider will submit a claim to Medicare. After Medicare pays, they will submit the paperwork directly to the APWU Health Plan. As a member, you will not need to do any paperwork.
IMPORTANT
A doctor who has opted out of the Medicare program cannot bill services to Medicare. Often, these doctors will ask patients to sign a private contract for services covered by Medicare. If this happens, you may be responsible for any or all costs not covered by APWU Health Plan.
Part A and the Consumer Driven Option
Hospital services
- In general, members with Medicare Part A as their primary insurance do not need to pre-certify hospital stays.
- A stay must be pre-certified prior to the 90th day of confinement in a benefit period.
Worldwide coverage
Medicare generally doesn’t pay for hospital or medical services outside of the United States. Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands are part of the United States. But APWU Health Plan’s Consumer Driven Option coverage travels with you around the world. When you have services outside the U.S., you will probably have to pay the bill at the time of service. Save your receipts and submit a bill directly for reimbursement.
Part B and the Consumer Driven Option
When an APWU Health Plan Consumer Driven Option member is enrolled in Medicare Part B, Medicare pays first and the Plan is billed the remaining cost. The deductibles and coinsurance are not waived.
Medicare-participating doctors and suppliers
Medicare usually pays for covered services directly at 80% after the Medicare Part B annual deductible has been satisfied. If benefit dollars are available in your Personal Care Account (PCA), the Medicare deductible and coinsurance will be paid for covered services.
If your provider accepts Medicare, the provider will reduce the charge to no more than the Medicare allowance. You pay nothing for the covered charges up to our allowance.
Part C and the Consumer Driven Option
Medicare Part C – also called Medicare Advantage Plans – are private health plans that are Medicare-approved. As a member of the APWU Consumer Driven Option Plan, there is no need for you to enroll in Part C.
Part D and the Consumer Driven Option
Part D is Medicare’s prescription drug program. Prescription coverage is an integral part of your total health benefits package with APWU Health Plan. As a member of the APWU Consumer Driven Option Plan, your prescription drug benefit can exceed that of Medicare Part D. Therefore, there is no need for you to take part in Medicare Part D.
If you do enroll in Part D, you will need to use a network pharmacy and present both prescription drug ID cards when filling a prescription at a retail pharmacy. If you use a mail-order pharmacy through your Medicare prescription drug plan, submit a claim to APWU Health Plan with a copy of your Medicare Explanation of Benefits and your pharmacy receipt.
Medicare limiting charge
All insurance carriers in the Federal Employees Health Benefits (FEHB) program are mandated by law to limit payments for retired members 65 and older who do not have Medicare. Providers absorb these payment reductions. You are responsible only for deductibles, coinsurance, amounts over reasonable and customary limits, and non-covered charges.
More about Medicare and the Consumer Driven Option
