APWU Health Plan FAQ

Quit For Life® is a smoking cessation program available with a $0 out-of-pocket cost.

As a program that provides a clear path to enjoying life without tobacco, each coach-guided step gives you the confidence you need to quit for good as you progress.

Quit For Life provides:

• Nicotine replacement therapy (NRT) at no additional cost for those who are eligible—like patches or gum that can help you manage cravings and quit for good
• 24/7 access to coaches, tools, and support to help you quit smoking, chewing, vaping, or however you use tobacco or nicotine
• Real-life tips and coach support to build your personalized Quit Plan, with recommended daily goals, articles, and videos
• One-to-one access to coaches via phone, chat, or text, plus coach-led group video sessions that provide guidance at every step
• A mobile app and access to Text a Coach for resources, encouragement, and reminders

Join Quit For Life

The Quit For Life® program provides information regarding tobacco cessation methods and related well-being support. Any health information provided by you is kept confidential in accordance with the law. The Quit For Life program does not provide clinical treatment or medical services and should not be considered a substitute for your doctor’s care. Participation in this program is voluntary. If you have specific health care needs or questions, consult an appropriate health care professional. This service should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. 

One Pass Select™ is a fitness and well-being subscription-based network that provides access to 16,000+ gyms and studios. Members can use multiple locations during the same month and change locations at any time. Choose from five membership tiers, with the option to change tiers monthly. 

The digital membership tier provides discounted access to thousands of on-demand and live-streaming exercise classes through fitness apps. Select tiers offer free access to convenient grocery and household item delivery services.

Visit One Pass Select

Or log in to Rally

One Pass Select is a voluntary program featuring a subscription based nationwide gym network, digital fitness and grocery delivery service. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships, digital fitness or grocery delivery services may have tax implications. Employers and individuals should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships or services under this program, as applicable.

Rally® is a digital health experience that offers personalized recommendations to help you move more, eat better, and feel great—all while earning rewards every step of the way.

As a program that empowers you to be your healthiest, Rally can help you:

• Make sense of your benefits
• Find the right care at the right price
• Make smarter choices for care
• Reach your goals with coaching and well-being programs

Call 1-866-569-2064

Or visit Rally

Rally Health provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor’s care. If you have specific health care needs, consult an appropriate health care professional. Participation in the health survey is voluntary. Your responses will be kept confidential in accordance with the law and will only be used to provide health and wellness recommendations or conduct other plan activities. n® and Maven Wallet are products of Maven Clinic Co. Maven is an independent company contracted to provide family-building support including care advocacy, virtual coaching, and education. Maven does not provide medical care and is not intended to replace your in-person heath care providers. Use of the services is subject to terms of service and privacy policy. Maven is a registered trademark of Maven Clinic Co. All rights reserved.

Maven® provides free, 24/7 virtual support for pregnancy, postpartum, and returning to work after parental leave. Take advantage of:

• Unlimited video chat and messaging with providers from 35+ specialties—including OB-GYNs, mental health providers, and lactation specialists
• Your own care advocate who can help you navigate your benefits and understand your health bills
• Personal referrals to quality in-person providers in your network
• Trusted resources such as on-demand classes, community forums, and MD-approved articles

Create an account using your member ID and access 24/7 support throughout your pregnancy and up until your child’s first birthday.

Sign up for Maven

Contact Maven support

Maven® and Maven Wallet are products of Maven Clinic Co. Maven is an independent company contracted to provide family-building support including care advocacy, virtual coaching, and education. Maven does not provide medical care and is not intended to replace your in-person heath care providers. Use of the services is subject to terms of service and privacy policy. Maven is a registered trademark of Maven Clinic Co. All rights reserved.

A deductible is the dollar amount you pay for covered healthcare services and supplies before APWU Health Plan starts to pay.

Copayments and coinsurance amounts do not count toward any deductible. When a covered service or supply is subject to a deductible, only the Plan allowance for the service or supply counts toward the deductible.

High Option

Under a Self enrollment, the calendar-year deductible is $450 if you use in-network providers. The deductible is satisfied and benefits are payable to you when your covered expenses applied to the calendar-year deductible reach this amount.

Under a Self Plus One enrollment, the deductible is satisfied and benefits are payable to you and one other eligible family member when the combined covered expenses applied to the calendar-year deductible reach $800.

Under a Self & Family enrollment, the deductible is satisfied and benefits are payable to all family members when the combined covered expenses applied to the calendar-year deductible for family members reach $800.

If you use out-of-network providers, your calendar-year deductible increases to a maximum of $1,000 per person (or $2,000 for Self Plus One and Self & Family enrollment).

Consumer Driven Option

Your deductible is the amount of eligible expenses you’re required to meet before traditional health coverage begins. It is reduced by applying the funds in your Personal Care Account (PCA), which APWU Health Plan funds in January.

Your net deductible is the remaining deductible amount you have to pay once the funds in your PCA have been exhausted.

By using the funds in your PCA to pay for eligible medical expenses, you decrease your total deductible and out-of-pocket expenses.

Your net deductible for in-network providers is $1,000 for a Self enrollment or $2,000 for a Self Plus One or Self & Family enrollment.

For Self Plus One or Self & Family coverage, once one individual meets the Self net deductible of $1,000, traditional health coverage begins for that individual.

Once the other covered members meet the additional $1,000 net deductible, traditional health coverage begins for them.

If you use out-of-network providers, your calendar-year net deductible increases to $1,500 Self and $3,000 for Self Plus One and Self & Family.

As long as you remain in this plan, you may reduce your deductible in subsequent years by rolling over any unused portion of your PCA remaining at the end of the calendar year. The maximum amount allowed in your PCA balance in any given year is $5,000 for Self and $10,000 for Self Plus One and Self & Family.

Learn more about how health plans work by reading Deductibles, copays, and coinsurance: Understanding the out-of-pocket costs of health insurance.

Coinsurance is your share of the cost of a covered healthcare service after you reach your annual deductible. It’s usually calculated as a percent.

High Option: Coinsurance is the percentage of the Plan allowance you must pay for your care. Coinsurance does not begin until you have met your calendar-year deductible.

For example, you pay 40% of the Plan allowance for office visits to an out-of-network physician.

Consumer Driven Option: Coinsurance is the percentage of the Plan allowance you must pay for your care after you have used up your Personal Care Account (PCA) and paid your deductible.

Learn more about how health plans work by reading Deductibles, copays, and coinsurance: Understanding the out-of-pocket costs of health insurance.

A copayment (or copay) is a fixed amount of money you pay for a doctor visit, prescription, or healthcare service. In most cases, you’ll pay it at your appointment or when you pick up a prescription.

For example, under the High Option, when you see an in-network doctor, you pay a copayment of $25 per office visit.

There are no copayments under the Consumer Driven Option.

Note: If the billed amount (or the Plan allowance that providers APWU Health Plan contract with have agreed to accept as payment in full), is less than your copayment, you pay the lower amount.

Learn more about how health plans work by reading Deductibles, copays, and coinsurance: Understanding the out-of-pocket costs of health insurance.