Medicare Advantage for Postal Service retirees
When you retire, APWU Health Plan offers a Medicare Advantage plan for High Option members covered by Medicare Part A and Part B. As a retiree, enrolling in Medicare Advantage costs you nothing.
2025 Medicare Basics - Medicare Advantage and Part D Prescription Drug Plans for Retirees
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Reduce or eliminate the amount you pay for healthcare
- No copays or deductibles for covered medical services
- $0 annual medical out-of-pocket maximum1
- A $100 monthly Part B premium subsidy
- Prescription drug coverage (Part D)
- Eyewear allowance of $130 for glasses or $175 for contacts every 24 months
- Dental coverage
- $60 quarterly over-the-counter item allowance
- $1,500 hearing aid allowance
- $0 for routine podiatry, 6 visits per year
- Unlimited visits for acupuncture and chiropractic care
- Unlimited visits for physical, speech, and occupational therapy
With Medicare Advantage, you don’t need to coordinate primary and secondary payers.
See any doctor nationwide who accepts Medicare patients and the plan.
Enrolling in Medicare Advantage costs you nothing
Receive all benefits at no additional cost. Simply continue paying your High Option premium and your Medicare Part B premium, and pay nothing more.
Save on medications with Medicare Advantage
Compare our plans to see how much you could save on your prescription drugs by enrolling in Medicare Advantage.
| Part D prescription drug benefits | High Option with Medicare Parts A & B | High Option with Medicare Advantage |
|---|---|---|
| Retail Tiers | You pay | You pay |
| 1: Generic | $10 | $10 |
| 2: Preferred brand | 25% up to max of $200 | $30 |
| 3: Non-preferred brand | 45% up to max of $300 | $45 |
| 4: Specialty | 25% up to max of $300 | $60 |
| Mail order tiers | ||
| 1: Generic | $20 | $20 |
| 2: Preferred brand | 25% up to max of $300 | $60 |
| 3: Non-preferred brand | 45% up to max of $500 | $90 |
| 4: Specialty | 25% up to max of $150 | $120 |
Pharmacy benefits are based on the APWU Health Plan High Option with Express Scripts Part D prescription drugs and the Medicare Advantage plan, which comes with Part D prescription drugs through OptumRX.
Take advantage of added benefits — all at no extra cost
Free gym membership
Plus, you have access to thousands of digital on-demand workout videos and live-streaming fitness classes through Renew Active®2
UnitedHealthcare Healthy at Home
Enjoy home-delivered meals, transportation to medical appointments, and in-home personal care for help with daily activities.
UnitedHealthcare Hearing3
Receive a hearing exam and access custom-programmed hearing aids — available at 7,000 providers nationwide3 or through home delivery.UnitedHealthcare HouseCalls4
Get an annual in-home preventive care visit.Learn how all Medicare plans work with APWU Health Plan
Enroll in Medicare Advantage
You are eligible to join if you’re enrolled in APWU Health Plan High Option and Medicare Part A and Part B. External link
Contact UnitedHealthcare to find out if you’re eligible to enroll in our Medicare Advantage plan:
Monday – Friday, 8 am – 8 pm CT
Download and access Health Plan resources
2025 Medicare Advantage with PSHB Program
2025 Postal Brochure
UnitedHealthcare Medicare Advantage Plan
Explore our Medicare Advantage plan for High Option members.
View all Medicare Resources
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.
1 Out-of-pocket maximum excludes premiums, prescription drug costs, and non-Medicare covered benefits.
2 Participation in the Renew Active® program is voluntary. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine. The information provided through Renew Active is for informational purposes only and is not medical advice. Gym network may vary in local market.
3 Other hearing exam providers are available in our network. Your plan includes benefits for hearing aid coverage outside of the UnitedHealthcare Hearing network. See plan for details.
4 HouseCalls may not be available in all areas.