Consumer Driven Option for postal employees
Your own Personal Care Account (PCA) helps pay for medical expenses.
Consumer Driven Option highlights
Benefits at a glance
Personal Care Account (PCA)
Choose how to spend your healthcare dollars
The Consumer Driven Option includes a PCA that covers 100% of all eligible expenses. Each year, the Plan adds to your account:
$1,200
for Self
$2,400
for Self Plus One and Self and Family
No upfront deductible, coinsurance, or copay until you use up the funds in your PCA.
Get a $25 wellness incentive added to your PCA for yourself and each covered family member who completes:
- Annual physical exam
- Mammogram
- Cervical cancer screening
- Colonoscopy or Cologuard
Dental and vision services are payable out of your PCA.
The plan covers 90% of care received at a Cancer Center of Excellence.
Learn more about the Consumer Driven Option plan.
Consumer Driven Option 2026 premiums
Low rates with your own PCA
| PSHB enrollment code | PSE & APWU career < 1 year in FEHB/PSHB | APWU career > 1 year in FEHB/PSHB |
|---|---|---|
| Self - 23D | $91.10 | $30.16 |
| Self + One - 23F | $198.00 | $70.60 |
| Self & Family - 23E | $216.01 | $82.48 |
| PSHB enrollment code | Biweekly | Monthly / Retiree |
|---|---|---|
| Self - 23D | $91.10 | $197.39 |
| Self + One - 23F | $198.00 | $429.01 |
| Self & Family - 23E | $216.01 | $468.02 |
Download the 2026 APWU Health Plan PSHB flyer to learn about benefits and coverage details.
See any doctor you want but save money when you use providers in the Consumer Driven Option network.
Pharmacy
OptumRx provides the Consumer Driven Option pharmacy benefit, with a network of 64,000+ retail pharmacies and OptumRx Home Delivery.
Dental
Save on dental care by using dentists in the Careington Dental Discount Network. Dental coverage is also available by enrolling in the APWU Health Plan Dental Insurance Plan.
Additional benefits
Behavioral
health
Health management
programs
Infertility
services
Cancer Centers of
Excellence
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