High Option for the postal workforce
Choose a health plan that offers low copays, affordable deductibles, and a nationwide UnitedHealthcare network.
High Option highlights
With low copays and low deductibles, the High Option is a premier plan in the Postal Service Health Benefits (PSHB) Program.
100% coverage for in-network care
- Preventive care and screenings
- Routine mammograms, including 3D mammograms, covered for members age 35 and older:
- From age 35 through 39, one during this five-year period
- From age 40, one every calendar year
- Maternity care and support
- Accidental injury outpatient services within 72 hours
- Lab tests (covered blood work performed at LabCorp and Quest Diagnostics)
- Tobacco cessation program
- Visits to a registered dietician/nutritionist
$450 in-network deductible for Self or $800 in-network deductible for Self Plus One or Self & Family.
$25 copay for office visits, including specialists.
$30 copay for all urgent care centers.
$10 copay for Tier 1 drugs.
Learn more about the High Option plan.
Watch our High Option explainer video
High Option premiums
Reduced premiums for 2025!
Premiums
| PSHB enrollment code | Biweekly | Monthly / Retiree |
|---|---|---|
| Self - 23A | $109.86 | $238.03 |
| Self + One - 23C | $213.05 | $461.61 |
| Self & Family - 23B | $277.28 | $600.77 |
Download the APWU Health Plan postal flyer to learn about benefits and coverage details
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Pharmacy
The High Option prescription drug plan includes access to nearly 64,000 pharmacies in the Express Scripts network, along with home delivery options in all 50 states.
Dental
High Option members receive dental benefits as part of the medical plan, but you can get additional coverage 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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