Welcome to the Consumer Driven Option

This website is designed to highlight the UnitedHealthcare benefits, including Optum RX pharmacy, for the APWU Health Plan Consumer Driven Option. 

Benefit highlights

  • NEW FOR 2024: One Pass Select™ – Fitness and gym discounts
  • $25 Preventive Care Incentive - Added to your PCA each year for every covered member of your family
  • Maternity – Join the MAVEN maternity program
  • Rally – Take charge of your health & wellness today
  • Optum RX Drug Pricing Tool - Compare prescription costs.
    IMPORTANT: THE PRICING TOOL SHOWS COPAYS ONLY.  AFTER PCA DOLLARS ARE APPLIED, MEMBERS MUST SATISFY THE DEDUCTIBLE AMOUNT BEFORE COPAYS APPLY.
  • Optum RX Formulary Look Up, Drug Tier, and Exclusions - View the Prescription Drug List (PDL) tier

APWU Health Plan Consumer Driven Option

The plan includes a Personal Care account (PCA). The PCA is owned and funded each year by the APWU Health Plan for you to help pay for covered services, including medical, pharmacy, dental and vision. The PCA is referred to on this website as a health reimbursement account (HRA).

Careington Dental Plans

Members have $400/$800 to use of the annual PCA dollars towards dental benefits. Using a Careington provider lowers service costs helping to save PCA Only dollars.

Good news

These hospitals will be In-Network for 1/1/24:
  • Buffalo General
  • Oishei Children’s
  • Highpointe on Michigan
  • Millard Fillmore Suburban
  • Degraff Memorial Hospital & SNF.

Ready to enroll?

Enroll in your benefits during Open Season

Find the plan that fits you best

Learn more about the benefits of a plan with UnitedHealthcare

Digital tools

Stay connected at home or on the go with online resources to access and manage your benefits.

Wellness resources

Get access to personal services and clinical support - whether you're simply looking for information or are trying to manage a health condition.

Care management

These member resources and services are designed to help support you on the journey to your best health.

Get a head start

As soon as you select a UnitedHealthcare health plan, sign up to get good-to-know information about your plan sent right to your inbox – even before your plan begins.