Looking For A Health Plan You Can Trust?

Wed, 01 Dec 2004 12:50:52 -0800

Title: Looking For A Health Plan You Can Trust?
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Looking For A Health Plan You Can Trust?

Just a few weeks ago Stephen Barr, writing for the Washington
Post Federal Diary column, discussed comments from the
Consumers� Checkbook 2005 guide to the FEHB
(www.guidetohealthplans.org) on plans recommended for
individuals and families. The Consumer-driven Option
available through the American Postal Workers Union (APWU)
received these comments.

"For a General Schedule employee buying coverage for a
family of four (all younger than 55), Checkbook's tables
indicate that Blue Cross basic and standard options and
the APWU consumer-driven option are worthy candidates among
nationwide plans."

"For a General Schedule employee who is single and younger
than 55, Checkbook's ratings identify several plans as good
buys. Nationally, they include Blue Cross and Blue Shield's
basic option, the APWU consumer-driven option, the GEHA
high-deductible plan and the Blue Cross standard option."

Source: Washington Post, Federal Diary, Nov 9, 2004

Here are some of the key features to this Consumer-driven
health benefit program:

  • A Personal Care Account (PCA) funded by APWU Health Plan
    that is yours to control. Benefit dollars in this account
    cover the first $1200 (single) or $2400 (family) of
    healthcare expenses at 100%. Funds remaining at year�s end
    roll over to the next year, allowing members to save for the future
  • Comprehensive health coverage takes effect once the annual
    deductible is met. Members are responsible for this
    out-of-pocket amount only if PCA funds are exhausted.
    This amount is $600 for single and $1200 for an entire
    family. The health coverage then covers 90% of in-network
    medical costs (70% out of network). Coverage becomes 100%
    in-network if the annual out-of-pocket maximum of $4,500
    is reached
  • A portion of the Personal Care Account -- up to $400 (single)
    and $800 (family) may also be used to cover vision and dental
    expenses each year
  • Low bi-weekly premiums of $18.40 (single) or $42.85 (family)
    for Postal employees or $40.89 (single) or $95.23 (family)
    for Non-Postal employees
  • A nationwide network with over 450,000 providers
  • Preventive care covered at 100% with network providers
  • No office, drug or hospital co-payments
  • No referrals required for specialists
  • No upfront deductible. No deductible for hospital stays
  • Extensive online and phone resources available 24hrs/day,
    7 days/week, including access to Health Coaches,
  • Pharmacists and an award winning member website

    To learn more about the APWU Consumer-driven Option, please visit
    Click HereClick Here
    or request more information by clicking this link
    http://www.definityhealth.com/go/apwuhp/more_info_email.html.
    Representatives are also ready to answer your questions at 1.866.833.3463.

    This message was produced by
    FEDweek LLC
    11541 Nuckols Rd. Suite D
    Glen Allen, VA 23059
    (804) 288-5321
    A 100% Veteran-Owned Business


    Website: http://www.fedweek.com


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