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Tag: plan benefits

Deductibles, copays, and coinsurance: Understanding the out-of-pocket costs of health insurance

Health insurance can be confusing. It isn’t always easy to understand the different costs that may be part of your health plan. Premiums, deductibles, copays, coinsurance, out-of-pocket maximums—if you’re not really sure what these terms mean, you’re not alone. Educating yourself about how health insurance works can help you plan ahead, calculate how much you may need to pay for your health care, and make the most of your health plan.

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Well-child visits: Keep your kids healthy with regular checkups

Preventive health care can help us stay healthy. That’s why doctors recommend annual physicals for adults. Pediatricians recommend well-child checkups for kids and teens because prevention is particularly important for young people. Regular exams and tests are an effective way to track your child’s health and development. And, catching health issues early can increase the chances of finding a treatment or a cure.

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Flu shots 101: What you need to know

Influenza (flu) is a contagious respiratory infection that circulates around the world each year and usually hits the United States between October and May. The viruses that cause the flu are most often spread by coughing, sneezing, or close contact.

Anyone can get the flu. According to the Centers for Disease Control and Prevention (CDC), it tends to strike suddenly and can last for several days. Although it has some of the same symptoms as the common cold—a runny or stuffy nose, cough, sore throat, and fatigue—the flu can lead to pneumonia, blood infections, or even death. Other symptoms of the flu include fever, body aches, headache, and chills.

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Preventive care can help you stay healthy

Preventive health care includes services like doctor checkups and routine screenings that can help prevent diseases and other health problems. Taking advantage of your preventive care benefits can help you stay healthy and discover a health issue before it becomes a serious problem. Treatment is often more effective when an illness is detected early.

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Earn rewards when you take a Health Risk Assessment

A Health Risk Assessment is an online program that helps determine your risk for certain health conditions and gives you a personalized plan for achieving your specific health goals. Available to all APWU Health Plan members, Health Risk Assessments analyze your health-related responses and create a profile with information to put you on a path toward good physical and mental health.

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Enroll in a health benefits plan during Open Season

Open Season is the period of time each year when you need to enroll in a health plan for the upcoming year. For postal and federal employees and retirees, the Open Season dates are set by law and run from the Monday of the second full work week in November through the Monday of the second full work week in December.

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