Need to see a doctor or health care provider? With the UnitedHealthcare® Medicare Advantage (PPO) plan for APWU Health Plan, you can see doctors and other health care providers that are in and out of our network at the same cost share as long as they participate in Medicare and accept the plan.
Full Answer
How does Medicare work with APWU health plan?
If both you and your spouse are retired, Medicare is your primary coverage and APWU Health Plan is secondary. When you are enrolled in Medicare and the APWU High Option, your provider will submit a claim to Medicare. After Medicare pays, they will submit the paperwork directly to the APWU Health Plan.
Does APWU high option plan offer prescription drug coverage?
APWU Health Plan offers a Medicare Advantage plan for High Option members. Part D is Medicare’s prescription drug program. Prescription coverage is an integral part of your total health benefits package with APWU Health Plan. As a member of the APWU High Option Plan, your prescription drug benefit can exceed that of Medicare Part D.
What does APWU stand for?
APWU Health Plan is a National Preferred Provider Organization (PPO) offering both a fee-for-service High Option Health Plan and a Consumer Driven Option Health Plan. We have been proudly serving America's workforce since 1960. Compare Plan Options See Premiums See Provider Networks See 2019 Federal Brochure.
Does APWU health plan Cover Me in Puerto Rico?
Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands are part of the United States. But APWU Health Plan’s High Option coverage travels with you around the world. When you have services outside the U.S., you will probably have to pay the bill at the time of service.
/cloudfront-us-east-1.images.arcpublishing.com/gray/IZWRPFJRSNDWFMHQBCMZMBV5UI.jpg)
Is Apwu a Medicare supplement?
APWU Health Plan offers a Medicare Advantage plan for High Option members.
Is Apwu a part of Cigna?
CIGNA provides the APWU Health Plan and its participating members extensive, industry-leading quality medical networks; comprehensive, award-winning prevention and health improvement programs that help members improve their health; and personalized web tools that help members better understand their conditions and make ...
What kind of insurance is Apwu?
The APWU offers comprehensive, affordable health benefits for members. The APWU Health Plan is a national preferred provider organization (PPO) that offers both a fee-for-service High Option plan and a Consumer Driven Option health plan.
What is the best insurance plan for postal employees?
Since 1960, the Blue Cross and Blue Shield Service Benefit Plan, also known as the Federal Employee Program (FEP), has provided quality healthcare coverage. It's made us the number one health insurance choice for active U.S. postal workers.
What insurance does the USPS use?
Newly hired postal employees are covered under Social Security and Medicare. The Postal Service offers coverage through the Federal Employees' Group Life Insurance (FEGLI) Program. The cost of Basic coverage is fully paid by the Postal Service, with the option to purchase additional coverage through payroll deductions.
Are postal workers federal employees?
It is one of the few government agencies explicitly authorized by the United States Constitution. The USPS, as of 2021, has 516,636 career employees and 136,531 non-career employees. Washington, D.C., U.S.
What does Apwu stand for?
American Postal Workers UnionAbout APWU | American Postal Workers Union.
What kind of benefits do postal workers get?
Postal career employees enjoy excellent benefits, including annual and sick leave that can be accumulated, the opportunity to donate leave, basic life insurance paid for by the Postal Service with additional options at the employee's cost, pretax health benefits with most of the cost paid by the Postal Service, pretax ...
Add your favorite providers
Keep a list of all your favorite providers – Select the button above to find and compare providers. Then, select the heart icon next to any of the providers to add them to your list of favorites.
Not sure what type of provider you need?
Use our provider search tool to find quality data, services offered, and other information for these type of providers:
What is Medicare Part D?
Part D and the High Option. Part D is Medicare’s prescription drug program. Prescription coverage is an integral part of your total health benefits package with APWU Health Plan. As a member of the APWU High Option Plan, your prescription drug benefit can exceed that of Medicare Part D.
Do you have to precertify a hospital stay with Medicare?
In general, members with Medicare Part A as their primary insurance do not need to pre-certify hospital stays. A stay must be pre-certified prior to the 90th day of confinement in a benefit period. 2021 Federal Brochure PDF.
Does APWU pay Medicare Part B?
When an APWU High Option Plan member is enrolled in Medicare Part B, Medicare pays first and the Plan pays second. Generally, most of your medical expenses are covered at 100% because your deductible and coinsurance are waived for covered services.
Is APWU a high option?
How your High Option plan works with Medicare. In general, if you or your spouse are working and are covered by the APWU High Option, APWU Health Plan is your primary health plan and Medicare is secondary. If both you and your spouse are retired, Medicare is your primary coverage and APWU Health Plan is secondary.
Can a doctor bill Medicare?
A doctor who has opted out of the Medicare program cannot bill services to Medicare. Often, these doctors will ask patients to sign a private contract for services covered by Medicare. If this happens, you may be responsible for any or all costs not covered by APWU Health Plan.
Does APWU pay deductible?
As long as services represent a covered benefit, the APWU Health Plan High Option pays the Part B deductible and the 20% coinsurance, which means you are covered 100%. If your provider accepts Medicare, the provider will reduce the charge to no more than the Medicare allowance.
What is Medicare Basics?
Medicare Basics. Medicare is a federal insurance program for people 65 and older. Medicare is made up of four “parts.”. Each part helps pay for certain services and also includes certain costs you may need to pay. Here is a simplified overview of Parts A, B, C and D and the purpose of each. Basic Medicare Coverage.
What is prescription drug coverage?
Prescription drug coverage. Medicare-approved private health plans that have contracts with Medicare. Usually, you must use certain providers. Covers: All of the same things as Part A and Part B. May include prescription coverage. May include coverage for vision, hearing and dental. Costs: Varies with each plan.
Does APWU have a deductible?
You will pay a monthly premium, and must meet a deductible. You will also need to pay either a set amount per prescription (copayment) or a percentage of the cost (coinsurance). APWU Health Plan offers a NEW Medicare Advantage plan for High Option members.
When does Medicare enroll?
Medicare Initial Enrollment Period (IEP) If you get Social Security retirement or disability benefits before age 65, the Social Security Administration will automatically enroll you in Medicare Parts A and B the month you turn 65.
When is the Medicare enrollment period?
Medicare General Enrollment Period (GEP) The General Enrollment Period is the time period from January to March 31 of every year when you can enroll in Medicare Part B for the first time. If you enroll during the General Enrollment Period your Medicare Part A and B coverage will begin on July 1. In most cases, you’ll have to pay a late enrollment ...
How much does Medicare pay for hospital stays?
Original Medicare has deductibles for inpatient hospital stays, medical coverage and coinsurance. Medicare usually pays 80 percent of the Medicare-approved amount for medically-necessary care. The coinsurance is usually 20 percent of the Medicare-approved amount.
What is Medicare Part A and Part B?
Medicare Part A and Part B is referred to as “original” Medicare. Medicare Part A is hospital insurance. It covers inpatient care in hospitals; it also includes coverage in critical access hospitals and skilled nursing facilities. It covers hospice care and home health care, though you must meet certain conditions to get these benefits.
Is Medicare for people over 65?
(This article first appeared in the January/February 2020 issue of the American Postal Worker magazine) Medicare is health insurance for people 65 and older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease.
Is there a late enrollment penalty for Medicare?
There is usually no late enrollment penalty. This is the eight (8) month period from the month you retire or the employer/union group health plan ends to enroll in Medicare Parts A and B. There are other circumstances that will allow you to enroll in Medicare Parts A and B during the Special Enrollment Period.
Our mission
APWU Health Plan partners with postal and federal families to create a lifestyle dedicated to healthy living. We are committed to providing our members with innovative high-quality products and services.
Cigna Care and Costs Directory for High Option members
Find network healthcare providers near you, and estimate the costs before you get care.
Our mission
APWU Health Plan partners with postal and federal families to create a lifestyle dedicated to healthy living. We are committed to providing our members with innovative high-quality products and services.
Cigna Care and Costs Directory for High Option members
Find network healthcare providers near you, and estimate the costs before you get care.
News
The Health Plan reimburses members for COVID-19 over-the-counter tests.
Member resources
Find out where vaccines and booster shots are available in your state.
Attend a Medicare 101 Meeting
APWU Health Plan has made it easy for retirees to understand the Medicare Advantage enhanced benefits. Medicare 101 meetings guide you through the information - you can attend a virtual meeting by phone or online or prerecorded versions to watch at your leisure.
Attend a Health Seminar
Each year, Open Season runs from the Monday of the second full workweek in November through the Monday of the second full workweek in December.