APWU
APWU Health Plan — Consumer Driven Option
FEHB Offered in 2027|APWU Health Plan|CDHP|PPO
Premium
biweekly · employee paysSelf Only
$102.63biweekly · employee pays
vs 2026+$2.01 +2.0%
Lowest$43.65 (2013)
Highest$102.63 (2027)
Since 2013+135.1%
Self Plus One
$223.06biweekly · employee pays
vs 2026+$4.38 +2.0%
Lowest$114.27 (2016)
Highest$223.06 (2027)
Since 2016+95.2%
Self & Family
$243.34biweekly · employee pays
vs 2026+$4.78 +2.0%
Lowest$98.20 (2013)
Highest$243.34 (2027)
Since 2013+147.8%
Premium history
SharePeriodRate type
Year by year
follows the chart's share, period and rate-type selection| Year | Self Only | Δ | Self Plus One | Δ | Self & Family | Δ | Listed as |
|---|
Changelog
- 2012Tracked since 2012Earliest plan year in the data set.
- 2016Self Plus One enrollment addedOPM introduced the Self Plus One enrollment type government-wide in 2016.
- 2017Largest increase: +19.0%Self Only employee share went from $51.94 to $61.81.
- 2026Option label changed“CDHP” → “Consumer Driven Option”
Full rate schedule
Plan yearIn-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $2,200 | $4,400 | $4,400 |
| Medical account contribution | $1,200 | $2,400 | $2,400 |
| Net deductible | $1,000 | $2,000 | $2,000 |
| Annual out-of-pocket maximum | $6,500 | $13,000 | $13,000 |
| Prescription out-of-pocket maximum | $6,500 | $13,000 | $13,000 |
- Type of accountHealth Reimbursement Arrangement
- Tier 0$0 Copayment
- Tier 125% Coinsurance
- Tier 225% Coinsurance
- Tier 340% Coinsurance
- Mail Order PharmacyYes
- Deductible waiver (with Medicare Part A as Primary)No
- Deductible waiver (with Medicare Part B as Primary)No
- Deductible Waiver with Parts A & BNo
- Out-of-Pocket Maximum with Parts A & B$6,500
- Primary Care Physician Office Visit with Medicare A & B Primary15% Coinsurance
- Specialty Physician Office Visit with Parts A & B15% Coinsurance
- Inpatient Hospital Services with Parts A & B15% Coinsurance
- Outpatient Hospital Services with Part A15% Coinsurance
- Outpatient physician services (with Medicare Part B as Primary)15% Coinsurance
- Part B Premium Reimbursement with Parts A & B$1,200 Maximum
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver with Part CNot applicable
- Out-of-Pocket Maximum with Part CNot applicable
- Primary Care Physician Office Visit with Medicare Advantage (Part C) PrimaryNot applicable
- Specialty Physician Office Visit with Part CNot applicable
- Inpatient Hospital Services with Part CNot applicable
- Outpatient Hospital Services with Part CNot applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement with Part CNot applicable
- Preventive CareMember Pays Nothing
- Primary Care Office Visit15% Coinsurance
- Specialist Office Visit15% Coinsurance
- Emergency Care15% Coinsurance
- Urgent Care15% Coinsurance
- Doctor Costs for Inpatient Surgery15% Coinsurance
- Hospital Inpatient Cost Per Admission15% Coinsurance
- Hospital Room Costs15% Coinsurance
- Other Inpatient Hospital Costs15% Coinsurance
- Doctor Costs for Outpatient Surgery15% Coinsurance
- Other Outpatient Surgery Costs15% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)15% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)15% Coinsurance
- Enhanced Lab Network15% Coinsurance
- Applied Behavioral Analysis (ABA)15% Coinsurance
- Chiropractic15% Coinsurance
- Occupational Therapy15% Coinsurance
- Physical Therapy15% Coinsurance
- Speech Therapy15% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)15% Coinsurance
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)15% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)15% Coinsurance
- Diagnosis and Treatment (Infertility Services)15% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)15% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)15% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures15% Coinsurance
- Reconstructive Surgery15% Coinsurance
- Hearing Services15% Coinsurance
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays Nothing
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)Member Pays Nothing
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)15% Coinsurance
- Durable Medical Equipment15% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)15% Coinsurance
- Diabetes Education15% Coinsurance
- Nutritional CounselingMember Pays Nothing
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture15% Coinsurance
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Out-of-network
2027 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $2,700 | $5,400 | $5,400 |
| Medical account contribution | $1,200 | $2,400 | $2,400 |
| Net deductible | $1,500 | $3,000 | $3,000 |
| Annual out-of-pocket maximum | $15,000 | $30,000 | $30,000 |
- Type of accountHealth Reimbursement Arrangement
- Tier 0100% Coinsurance
- Tier 1100% Coinsurance
- Tier 2100% Coinsurance
- Tier 3100% Coinsurance
- Mail Order PharmacyYes
- Deductible waiver (with Medicare Part A as Primary)No
- Deductible waiver (with Medicare Part B as Primary)No
- Deductible Waiver with Parts A & BNo
- Out-of-Pocket Maximum with Parts A & B$15,000
- Primary Care Physician Office Visit with Medicare A & B Primary50% Coinsurance
- Specialty Physician Office Visit with Parts A & B50% Coinsurance
- Inpatient Hospital Services with Parts A & B50% Coinsurance
- Outpatient Hospital Services with Part A50% Coinsurance
- Outpatient physician services (with Medicare Part B as Primary)50% Coinsurance
- Part B Premium Reimbursement with Parts A & B$1,200 Maximum
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver with Part CNot applicable
- Out-of-Pocket Maximum with Part CNot applicable
- Primary Care Physician Office Visit with Medicare Advantage (Part C) PrimaryNot applicable
- Specialty Physician Office Visit with Part CNot applicable
- Inpatient Hospital Services with Part CNot applicable
- Outpatient Hospital Services with Part CNot applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement with Part CNot applicable
- Preventive CareMember Pays All Charges
- Primary Care Office Visit50% Coinsurance
- Specialist Office Visit50% Coinsurance
- Emergency Care15% Coinsurance
- Urgent Care50% Coinsurance
- Doctor Costs for Inpatient Surgery50% Coinsurance
- Hospital Inpatient Cost Per Admission50% Coinsurance
- Hospital Room Costs50% Coinsurance
- Other Inpatient Hospital Costs50% Coinsurance
- Doctor Costs for Outpatient Surgery50% Coinsurance
- Other Outpatient Surgery Costs50% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)50% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)50% Coinsurance
- Enhanced Lab Network50% Coinsurance
- Applied Behavioral Analysis (ABA)Member Pays All Charges
- Chiropractic50% Coinsurance
- Occupational Therapy50% Coinsurance
- Physical Therapy50% Coinsurance
- Speech Therapy50% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)50% Coinsurance
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)50% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)50% Coinsurance
- Diagnosis and Treatment (Infertility Services)50% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)50% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)50% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures50% Coinsurance
- Reconstructive Surgery50% Coinsurance
- Hearing Services50% Coinsurance
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)50% Coinsurance
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)50% Coinsurance
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)50% Coinsurance
- Durable Medical Equipment50% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)50% Coinsurance
- Diabetes Education50% Coinsurance
- Nutritional CounselingMember Pays All Charges
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture50% Coinsurance
- Chronic Disease Management: Heart DiseaseNot Covered
- Chronic Disease Management: ObesityNot Covered
- Chronic Disease Management: HypertensionNot Covered
- Chronic Disease Management: AsthmaNot Covered
Offered nationwide.
Service area description
| State | Description |
|---|---|
| Nationwide | Nationwide |
Service area over time
| Year | States / areas listed |
|---|---|
| 2027 | Nationwide |
| 2026 | Nationwide |
| 2025 | Nationwide |
| 2024 | Nationwide |
| 2023 | Nationwide |
| 2022 | Nationwide |
| 2021 | Nationwide |
| 2020 | Nationwide |
| 2019 | Nationwide |
| 2018 | Nationwide |
| 2017 | Nationwide |
| 2016 | Nationwide |