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APWU Health Plan member FAQ

APWU Health Plan is here to help you understand your coverage and make the most of your benefits.

If you can’t find an answer to your question, contact us to speak with a customer service representative:

1-800-222-2798  | 1-800-622-2511 (TTY)

Monday – Friday, 8:30 am – 6:30 pm ET

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Health plan member FAQ

Sections

APWU Health Plan member portal & app

The APWU Health Plan member portal gives you the tools you need to manage your health plan benefits, access your claims and health records, and get on the path to healthier living. 

High Option member portal 

Your myapwuhp member portal features resources to keep you healthy and tools to help you get the most from your plan. Log in to your portal to: 

  • Access deductibles, copays, and maximums 
  • Check the provider network to find a doctor 
  • Print or request an ID card 
  • View or print claims and authorizations 
  • See benefit and eligibility information

Consumer Driven Option member portal 

Access your Health Plan 24/7. After you’re signed in, you’ll have easy access to tools and resources that can help you understand your benefits and make informed decisions about your care: 

  • Find care and compare costs with the provider search and cost estimate tool  
  • Get estimates for treatments and procedures 
  • Price medications, explore lower cost options, and order refills 
  • View claims and Personal Care Account (PCA) balances 
  • Access Virtual Visits 

Postal Member Portal

Federal Member Portal

The APWU Health Plan member app give you the tools you need to manage your health plan benefits, access your claims and health records, and get on the path to healthier living. 

High Option mobile app 

The myapwuhp member app helps you manage your health plan. See your claims, year-to-date information, prescriptions, and more. 

Download on the App Store® 

https://apps.apple.com/us/app/myapwuhp/id1488953534

Get it on Google Play™ 

https://play.google.com/store/apps/details?id=com.healthtrioconnect.app.apwuhp

Consumer Driven Option mobile app 

The UnitedHealthcare app® helps you find care, price medications, review and manage claims, view and share your digital Health Plan ID card and more—all from your mobile device. 

Download on the App Store® 

https://apps.apple.com/us/app/unitedhealthcare/id1348316600

Get it on Google Play™ 

https://play.google.com/store/apps/details?id=com.mobile.uhc

The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC. 

APWU Health Plan member tools

Precertification—sometimes called prior authorization—is a process that requires physicians and healthcare providers to obtain advanced approval from the Health Plan before delivering a specific service to the patient to qualify for payment coverage. 

High Option members need prior approval for certain services 

Before having certain types of medical care or services, you will need to get precertification. It’s important that you understand when precertification is needed to keep your benefits from being reduced. 

Examples of services that require precertification include: 

  • Inpatient hospital admission 
  • Organ transplantation 
  • Surgery that can be considered cosmetic 
  • Durable medical equipment 
  • Genetic testing 
  • Inpatient residential treatment center admission 
  • Skilled nursing facility admission 
  • Outpatient radiology services, including CT/CAT, MRI, MRA, and PET scans 
  • Mental health and substance use disorder inpatient treatment 
  • Other services as outlined in the Plan brochure (see Section 3: How you get care) 

How to request precertification or prior approval 

At least two business days before admission or services requiring prior authorization are rendered, you, your representative, your physician, or your hospital must call UnitedHealthcare. This number is available 24 hours a day: 

UnitedHealthcare 1-866-569-2064 

Consumer Driven Option members need prior approval for certain services 

Before having certain types of medical care or services, you will need to get either prior approval or precertification. It’s important that you understand when prior approval or precertification are needed to keep your benefits from being reduced. 

Examples of services that require precertification include: 

  • Inpatient hospital admission 
  • Organ transplantation 
  • Surgery that can be considered cosmetic 
  • Durable medical equipment 
  • Genetic testing 
  • Other services as outlined in the Plan brochure (see Section 3: How you get care) 

How to request precertification or prior approval 

You, your representative, your physician, or your hospital must call UnitedHealthcare at least 2 business days before admission or services requiring prior authorization are rendered: 

UnitedHealthcare 1-855-808-3003 

For mental health and substance use disorder inpatient treatment, your doctor or your hospital must call UnitedHealthcare Behavioral Health Solutions at least 2 business days before admission or services requiring prior authorization. This number is available 24 hours a day: 

UHC Behavioral Health Solutions 1-855-808-3003 

If you are a member of the High Option or Consumer Driven Option, please submit a change of address form to give us your new contact information. 

If you have questions about your High Option benefits, please submit a coverage inquiry form. We’re here to help you understand coverage details, including: 

  • Medical care 
  • Surgery 
  • Dental care 
  • Maternity care 
  • Mail order & retail prescriptions 
  • Well-child care 
  • Behavioral health & substance use 
  • Accidental injury 
  • Tobacco cessation 
  • Medicare 
  • Durable medical equipment 
  • Skilled nursing 
  • Billing errors 

Estimate costs—including your deductible, coinsurance, and out-of-pocket maximum—before you see a doctor or healthcare provider. 

Search for providers and facilities in the UnitedHealthcare network, and narrow your search results by specialty, procedure, or doctor. 

High Option members: To get started, log in to the Viveka Health Price Transparency Tool with your member ID and date of birth. You can find your member ID on your Health Plan ID card or by logging in to your member portal. 

Consumer Driven Option members: Log in to your myuhc.com member portal. 

As a High Option member, you can get answers to your health questions 24 hours a day. Registered nurses are available to discuss existing medical concerns and provide information about numerous healthcare issues. 

Call 1-866-873-8738 

Call 911 for a true emergency. 

Yes, Virtual Visits let you connect with a doctor by phone or video.1 Doctors can treat a wide range of health conditions—including many of the same conditions as an emergency room (ER) or urgent care—and may even prescribe medications.2 

Virtual Visits are good for a wide range of issues, including: 

  • Allergies  
  • Bronchitis 
  • Colds 
  • Flu  
  • Migraines 
  • Pink eye 
  • Rashes 
  • Sinus infections 
  • Urinary tract infections 

High Option members: Your first two Teladoc Virtual Visits are free. After that, you have a copay of just $10 per visit. 

Consumer Driven Option members: You’ll pay 15% of the Plan allowance for a Virtual Visit through Amwell, Teladoc, and Doctor on Demand, less than the cost of an in-person office visit. To get started, log in to your myuhc.com member portal. 

Call 911 immediately or go to the nearest emergency room if you believe you are experiencing a medical emergency. 

1 Data rates may apply. 
2 Virtual primary care is applied to primary care benefits—it is not applied to the 24/7 Virtual Visits benefit. 
3 Certain prescriptions may not be available, and other restrictions may apply. 
24/7 Virtual Visits is a service available with a provider via video, or audio-only where permitted under state law. It is not an insurance product or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.  

Yes, you can connect with a virtual primary care provider and a team of healthcare professionals1 without leaving home or work.2 Services include: 

  • Annual checkups, prescriptions, and non-urgent care3 
  • Check-ups for ongoing conditions like asthma, diabetes, and more 
  • Follow-up visits 

The care team will guide you, when needed, to in-person care, such as labs, imaging, specialists, and more. 

High Option members: Your first two Teladoc Virtual Visits are free. After that, you have a copay of just $10 per visit. 

Consumer Driven Option members: You’ll pay 15% of the Plan allowance for a Virtual Visit through Amwell, Teladoc, and Doctor on Demand, less than the cost of an in-person office visit. To get started, log in to your myuhc.com member portal. 

Call 911 immediately or go to the nearest emergency room if you believe you are experiencing a medical emergency. 

1 Data rates may apply. 
2 Virtual primary care is applied to primary care benefits—it is not applied to the 24/7 Virtual Visits benefit. 
3 Certain prescriptions may not be available, and other restrictions may apply. 
Virtual primary care are services available with a provider via video, chat, email, or audio-only where permitted under state law. Virtual primary care services are only available if the provider is licensed in the state that the member is located at the time of the appointment. Virtual primary care is not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Certain prescriptions may not be available, and other restrictions may apply.  

Under the Affordable Care Act (ACA), children up to age 26 are eligible for health coverage under their parents’ Self and Family enrollment. The law also states that: 

  • Married children are allowed to be covered 
  • There are no dependency requirements 
  • There are no residency requirements 
  • A child is not required to be a student 
  • A child is not required to have prior or current insurance coverage 

Health care coverage for young adults 

  • Children between ages 22 and 26 are eligible for coverage under their parents’ Self and Family enrollment. 
  • Married children (but NOT their spouse or own children) are eligible for coverage up to age 26. This is true even if the child is currently under age 22. 
  • Children with or eligible for employer-provided health insurance are eligible up to age 26. 
  • Stepchildren do not need to live with the enrollee in a parent-child relationship to be eligible up to age 26. 
  • Children incapable of self-support because of a mental or physical disability that began before age 26 are eligible to continue coverage. 
  • Foster children must be placed with the enrollee by an authorized placement agency or by judgment, decree, or order of a court of competent jurisdiction. 

How to add a child under 26 to your APWU Health Plan 

If you currently have Self coverage 

You must switch to a Self & Family plan during Open Season and include the child in the enrollment. 

If you currently have Self & Family coverage 

You must notify us that you wish to add a dependent and provide us with the necessary information. The High Option and the Consumer Driven Option may handle this differently. 

  • If you are currently not enrolled in the PSHB or FEHB Program and would like to cover an eligible child, you must enroll in Self & Family coverage during Open Season. 
  • If you make an Open Season change, that change will take effect on the first day of the first pay period of the year. 

Form 1095-B includes information about your health coverage, such as who was covered and the months when the coverage was in effect. 

To request a copy of your 1095-B tax form, use one of the following methods: 

1. Email the Health Plan at custserv@apwuhp.com. 

2. Send your request in writing to: 

APWU Health Plan 
Attention 1095-B 
P.O. Box 1358 
Glen Burnie, MD 21061-1358 

3. Contact the Health Plan by phone at 1-800-222-APWU. 

For email or written requests, please include the following information: 

  • Your full name 
  • Member ID 
  • Date of birth 
  • Email address 
  • Home address 
  • Whether you would prefer to receive the 1095-B by email or hard copy mailed to the home address indicated 

If you live in California, the District of Columbia, Massachusetts, New Jersey, Rhode Island, or Vermont, the Health Plan will mail you a hard copy of form 1095-B for your tax return. 

If you live in another state, form 1095-B is no longer required as part of filing your tax return. 

If you have more than one health plan, contact APWU Health Plan to let us know about your coverage. 

When more than one insurance plan could potentially cover your medical expenses, one plan usually pays its benefits in full as the primary payor and the other plan pays a reduced benefit as the secondary payor. 

APWU Health Plan uses guidelines from the National Association of Insurance Commissioners (NAIC) to determine which coverage is primary. 

What is coordination of benefits? 

Coordination of benefits (COB) is the process insurance companies use to decide who is responsible for covering the cost of your care when two insurance plans are working together to pay the same claim. 

COB helps insurance companies: 

  • Establish which plan is primary and which is secondary 
  • Avoid duplicate payments 
  • Make sure two plans don’t pay more than the total amount of the claim 
  • Help reduce the cost of health insurance premiums 

Coordinating benefits with Medicare and other coverage 

Section 9 of the Plan brochure provides detailed information about the process APWU Health Plan uses to coordinate benefits with Medicare and other types of insurance. You can find COB details for how your claim will be handled in a range of situations: 

  • When you have other health coverage 
  • When other government agencies are responsible for your care 
  • When others are responsible for injuries 
  • When you have Federal Employees Dental and Vision Insurance Plan (FEDVIP) 
  • When you have Medicare 

Contact APWU Health Plan with questions about coordinating your benefits 

Navigating the healthcare system can be confusing. The customer service team at APWU Health Plan is here to answer your questions and clarify the process, so you can be sure you have the coverage you need. 

To speak with a customer service representative, call: 

1-800-222-2798 

1-800-622-2511 (TTY) 

8:30 am – 6:30 pm ET 

Monday – Friday 

Your rights and protections against surprise medical bills 

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. 

What is “balance billing” (sometimes called “surprise billing”)? 

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your plan’s network. See Sections 1 and 3 of your health plan brochure. 

“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit. See Section 4 of your health plan brochure. “Surprise billing” is an unexpected balance bill as defined by a new federal law called the No Surprises Act. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. 

The No Surprises Act protects you from surprise balance billing for: 

Emergency services 

If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). Your health plan will pay the out-of-network provider the amount owed in accordance with the No Surprises Act. 

You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services. 

Certain services at an in-network hospital or ambulatory surgical center 

When you get covered services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. Your health plan will pay the out-of-network provider the amount owed in accordance with the No Surprises Act. 

These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed. 

If you get other covered services at these in-network facilities, for example from your surgeon or oncologist, those out-of-network providers can’t balance bill you unless you give written consent and give up your protections. 

You’re never required to give up your protections from balance billing under the No Surprises Act. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network. See Section 4 of your health plan brochure. 

When balance billing isn’t allowed, you also have the following protections: 

You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly. 

Your health plan generally must: 

  • Cover emergency services without requiring you to get approval for services in advance (prior authorization). 
  • Cover emergency services by out-of-network providers. 
  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits. 
  • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit. 

If you believe you’ve been wrongly billed, you may contact the U.S. Department of Labor, Employee Benefits Security Administration: 1-866-666-9272 or 200 Constitution Avenue NW, Washington, DC, 20210. 

Learn more about the No Surprises Act and your rights under federal law.

Personal Care Account (PCA)

The Consumer Driven Option features a PCA that covers your healthcare expenses and lowers any deductible you may have to pay. In January each year, the Plan funds your PCA at $1,200 per year for Self enrollment or $2,400 per year for Self Plus One or Self & Family enrollment. If you are hired mid-year, the amount will be prorated. 

  1. Your full PCA balance is available in January. Use your PCA for any eligible expenses. 
  2. If you use up your PCA funds, you need to satisfy your annual net deductible. 
  3. After you satisfy the annual Plan deductible, you pay coinsurance—a percentage of the cost of covered healthcare—and the Plan pays the rest. 
  4. If you reach the out-of-pocket maximum, the Plan pays 100% of your healthcare costs for the rest of the year. 

You can use your PCA to cover both in-network and out-of-network services. However, care can be less expensive when you stay in the network because network providers discount their fees. 

Your PCA covers 100% of all covered healthcare expenses, including: 

  • Medical care  
  • Prescription drugs and supplies 
  • Dental and vision, including eyeglasses and contact lenses (up to $400 for Self coverage, and $800 for Self Plus One or Self & Family coverage) 
  • Surgery and hospital services 
  • Mental health and substance use treatment 
  • Emergency care 
  • Medicare Part B premium 

Yes, you can choose how to pay for medical claims. 

If you have funds available in your PCA, claims will be paid out of your PCA first. If you want to use a different pre-tax benefit account to pay your medical bills, you can turn off your PCA (online). In some cases, you may have to pay the cost of the services upfront. Pharmacy claims will always be paid out of your PCA, as long as you have funds available. 

Managing your claims

Please submit a health insurance claim form to request payment for covered services under your High Option plan. 

Please submit a dental claim form to request payment for covered services under your High Option plan. 

Please submit a prescription drug claim form to request payment for covered services under your High Option plan. 

If you have difficulty submitting a claim online, you can order claim forms to be sent to you by postal mail. 

To check the progress of a pending claim, please submit a claim status inquiry, and we will respond within 48 hours. 

You have the right to file a suggestion, appeal, complaint or grievance about: 

  • APWU Health Plan 
  • A healthcare service 
  • A healthcare provider or professional 

All suggestions are shared with the appropriate staff and departments. All complaints are investigated and resolved by the Member Service Representative. Your provider can file a complaint for you if you give the provider your consent in writing to do so. 

How to file a complaint by phone, email or mail 

  1. Call 1-800-222-APWU (2798). 
  2. Contact APWU Health Plan 
  3. Mailing address: 

APWU Health Plan 
P.O. Box 8660 
Elkridge, MD 21075 

APWU Health Plan will respond within 30 days. 

How to file an urgent or expedited appeal/complaint by mail 

If your complaint is regarding medical care or treatment that is urgent and requires an expedited response, please follow these directions: 

Mailing addresses: 

High Option 

APWU Health Plan

P.O. Box 8660 

Elkridge, MD 21075 

Consumer Driven Option 

UnitedHealthcare Appeals 

P.O. Box 740816 

Atlanta, GA 30374-0816 

Response timeframes 

Urgent/expedited pre-service claim: 72 hours 

Pre-service claim—a claim requiring pre-approval as a condition of coverage: 15 business days 

Post-service claim—a claim for services that have already been provided: 30 business days 

Members (or designees) have the right to file a grievance or appeal when they disagree with APWU Health Plan’s decision not to authorize services or not to pay for a claim. 

Appeals must be received in writing and submitted within 180 days of the original claim determination. Additional information on the appeals process may be found on our website or in the official Health Plan brochure, Section 8. 

Your comments and suggestions are important to us as we strive to improve the quality of service and care we provide to our members. 

Section 3 and Section 7 of your Plan brochure explain how to file a claim with us. Section 8 of your Plan brochure explains your rights to ask us to reconsider our claim decision and how to appeal to the U.S. Office of Personnel Management (OPM) for review of our reconsideration decision for your claim. 

Immediate appeals 

Our claims and appeals process, set forth in your Plan brochure, is required to comply with rules set forth under the Patient Protection and Affordable Care Act. If you believe that we have violated our claims or appeals procedures, or that our procedures are deficient, you may immediately appeal to OPM. 

However, if OPM finds that we are in “substantial compliance” with these rules, OPM may reject your immediate appeal. We will be in “substantial compliance” if our failure or violation is: 

  • Minor 
  • Non-prejudicial 
  • Attributable to good cause or matters beyond our control 
  • In the context of an ongoing good faith exchange of information; and  
  • Not part of a pattern or practice of non-compliance 

You are entitled, upon written request, to an explanation of our basis for asserting that our procedures are substantially compliant. You may contact APWU Health Plan to request an explanation: 

APWU Health Plan 
PO Box 8660 
Elkridge, MD 21075 

If OPM rejects your request for immediate review on the basis that we met the standard, you maintain the right to resubmit and pursue your claim and appeal through our claims and appeals process, set forth in your Plan brochure. 

You may send an appeal to OPM: 
 
United States Office of Personnel Management 
Healthcare and Insurance 
Health Insurance Group APWU000 
1900 E Street, NW, Washington, DC 20415-3610 

  • If you want OPM to review more than one claim, you must clearly identify which documents apply to each claim. 
  • If anyone other than yourself wishes to file a disputed claim on your behalf with OPM, such as medical providers, that representative must include a copy of your specific written consent with the review request. However, for urgent care claims, a health care professional with knowledge of your medical condition may act as your authorized representative without your express consent. 

Time periods for claims 

Section 3 and Section 7 of your Plan brochures explain how to file a claim with us. We are required to meet the timeframes for claims filed, listed in sections 3 and 7 of your Plan brochure, or you may immediately appeal to OPM as explained above. Any time periods for benefit or appeal determinations in the brochure begin at the time a claim for benefits or appeal is filed in accordance with these claims procedures, without regard to whether we receive all information necessary to process a claim. If the information we need to make a decision on your claim is not included with your claim, we may request an extension including a request for the specific information. In such cases, the period for making the determination will be delayed. 

The deadlines found in Section 8 of the Plan brochures still apply to your claim, but these deadlines may be extended if you show that you were unable to meet the deadline because of reasons beyond your control. 

Full and fair review 

You may designate an authorized representative to act on your behalf for filing a claim or to appeal claims decisions to us. For urgent care claims, a health care professional with knowledge of your medical condition will be permitted to act as your authorized representative without your express consent. 

You or your authorized representative have the right to ask us to reconsider our claim decision as described in Section 8 of the Plan brochure. To help you prepare your reconsideration request, you may arrange with us to review and copy, free of charge, all relevant materials and Plan documents under our control relating to your claim, including those that involve any expert review(s) of your claim. 

To make your request, please contact our Customer Service Department by writing: 

Customer Service 
APWU Health Plan 
6514 Meadowridge Rd 
Suite 195 
Elkridge, MD 21075 
 
or calling: 
1-800-222-2798 

We are required to provide you, free of charge and in a timely manner, with any new or additional evidence considered, relied upon, or generated by us or at our direction in connection with your claim. We will also provide you, free of charge and in a timely manner, with any new rationale for our claim decision. We will provide this information sufficiently in advance of the date by which we are required to provide you with our reconsideration decision to allow you reasonable opportunity to respond prior to that date. We will identify for you the medical or vocational experts whose advice we obtained in connection with the initial decision. 

Our reconsideration will take into account all comments, documents, records, and other information submitted by you relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination. 

When our initial decision is based (in whole or in part) on a medical judgment (i.e., medical necessity, experimental/investigational), we will consult with a health care professional who has appropriate training and experience in the field of medicine involved in the medical judgment and who was not involved in making the initial decision. 

If we do not substantially comply with these requirements, you may be able to immediately appeal to OPM as explained above. 

Avoiding conflicts of interest 

Our reconsideration decision will not afford deference to the initial decision and will be conducted by a plan representative who is neither the individual who made the initial decision that is the subject of the reconsideration, nor the subordinate of that individual. 

We will not make our decisions regarding hiring, compensation, termination, promotion, or other similar matters with respect to any individual (such as a claims adjudicator or medical expert) based upon the likelihood that the individual will support the denial of benefits. 

If we do not substantially comply with these requirements, you may be able to immediately appeal to OPM as explained above. 

Notice requirements 

We must make notices available to you in any language where 10 percent or more of the population of your county is literate only in the same non-English language as determined by the Secretary of Health and Human Services. We will include, in the English versions of all notices, a statement in any applicable non-English language clearly indicating how to access language services, including how to request a copy of the notice in any applicable non-English language. We must also provide oral language services (such as a telephone customer assistance hotline) that include answering questions in any applicable non-English language and providing assistance with filing claims and appeals (including external review) in any applicable non-English language. 

Any notice of an adverse benefit determination or reconsideration confirming an adverse benefit determination we send must include information sufficient to identify the claim involved (including the date of service, the health care provider, the claim amount (if applicable), and a statement describing the availability, upon request, of the diagnosis code and its corresponding meaning, and the treatment code and its corresponding meaning).  

If we do not substantially comply with these requirements, you may be able to immediately appeal to OPM as explained above. 

Please remember that we cannot decide plan eligibility issues. For example, we cannot determine whether you or a dependent is covered under this plan. You must raise eligibility issues with your employing office. 

This is a summary of benefits and features offered by the APWU Health Plan. All benefits are subject to the definitions, limitations, and exclusions set forth in the Plan’s postal brochure (RI 71-019) or federal brochure (RI 71-004).

The information provided is for general informational purposes only and is not intended to be medical advice or a substitute for professional health care. You should consult an appropriate health care professional for your specific needs and to determine whether making a lifestyle change or decision based on this information is appropriate for you. Some treatments mentioned may not be covered by your health plan. Please refer to your benefit plan documents for information about coverage.

Health plan coverage provided by or through UnitedHealthcare Insurance Company, UHC of California and UnitedHealthcare Benefits Plan of California. Administrative services provided by United Healthcare Services, Inc., Optum Rx or OptumHealth Care Solutions, Inc. Behavioral health products are provided by U.S. Behavioral Health Plan, California (USBHPC).

Administrative services provided by United HealthCare Services, Inc. or their affiliates.

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The Health Plan will be closed on Wednesday, January 1. We will reopen at 8:30 a.m. ET on Thursday, January 2.

Manage your High Option or Consumer Driven Option health plan 24/7 with your postal member portal or federal member portal.