Dental plans for postal employees and retirees
Enhance the dental benefits you receive as a High Option or Consumer Driven Option member by enrolling in the APWU Health Plan Dental Insurance Plan.
Explore High Option and Consumer Driven Option dental benefits
HIGH OPTION
routine dental care
The High Option pays 70% of the Plan allowance for dental office visits, exams, cleanings, x-rays, fluoride treatment, fillings, and simple extractions. Members pay 30% of the cost, plus any difference between our allowance and the billed amount (no deductible).
CONSUMER DRIVEN OPTION
Save 20% to 50% on most procedures at thousands of participating dentists nationwide. Transparent pricing with fee schedules let you know what each treatment costs before your appointment.
Use your Personal Care Account (PCA)—up to $400 for Self or $800 for Self Plus One and Self & Family—to pay for dental care each calendar year.
APWU Health Plan Dental Insurance Plan
If you’re eligible to sign up for APWU Health Plan, you can enroll in our Dental Insurance Plan. You’ll pay a separate premium for this plan and can use any dentist you choose. Enrollment is open throughout the year. This includes:
- APWU members in good standing
- Active postal workers
- PSEs who work at least 20 hours a week
$0 deductible for preventive services.
$50 deductible per person (or a $150 family deductible) for basic and major services.
The Plan pays 80% of reasonable & customary charges for fillings and other basic services.
The Plan pays 50% of reasonable & customary charges for crowns and other major services.
NEW for 2025
- Sealants covered for children up to age 19
- Implants covered as a major service
- Coverage for composite fillings and porcelain crowns for molar teeth
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