Coverage and benefits

Get a quick overview of your plan benefits and costs and find more detailed information about additional benefits and programs.

Important Information about your Part D Vaccine and Insulin Coverage 

What You Pay for Vaccines – Our plan covers most Part D vaccines at no cost to you.

What You Pay for Insulin – You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on. You may pay less depending on your plan coverage. Refer to your plan materials.


UnitedHealthcare® Medicare Advantage (PPO) for APWU Health Plan

Benefits and costs

Benefits and costs
Benefit UnitedHealthcare® Medicare Advantage (PPO)
Part B premium subsidy $85 per month
Annual medical deductible None
Annual out-of-pocket maximum None
Office and clinic visits $0 copay for primary care, specialist visits or virtual visits/telemedicine
Hospital services (inpatient) $0 copay
Hospital services (outpatient) $0 copay
Ambulance services $0 copay
Emergency room $0 copay
Urgent care $0 copay
Durable medical equipment $0 copay
Prosthetics $0 copay
Diabetic Supplies (test strips, lancets, glucose monitors) $0 copay
Preventive services $0 copay
Routine podiatry $0 copay – 6 per year
Hearing aid allowance

$0 copay
$1,500 allowance for unlimited aids every 3 years. Allowance is combined for both ears.

You must contact UnitedHealthcare Hearing prior to using your hearing aid allowance. Hearing aids ordered through providers other than UnitedHealthcare Hearing are not covered.

Dental Class 1 Preventive & Diagnostic (P&D) 100%
Class 2 Minor 80%
Class 3 Major 50%
Deductible (P&D not included) $50
Annual Calendar Maximum $1,000
Out-of-Network Reimbursement Schedule Maximum Allowable Charge
Note: preventive and diagnostic services do not apply to the annual maximum.
Prescription drug coverage

Retail (Note: 90-day retail supply is available for 3x copay amount)

Tier 1 (Generic): $10 copay
Tier 2 (Preferred Brand): $30 copay
Tier 3 (Non-Preferred Brand): $45 copay
Tier 4 (Specialty Tier): $60 copay
Generic oral diabetic medications: $0 copay

Mail Order (up to 90-day supply)

Tier 1 (Generic): $20 copay
Tier 2 (Preferred Brand): $60 copay
Tier 3 (Non-Preferred Brand): $90 copay
Tier 4 (Specialty Tier): $120 copay

Preventive services

The following preventive services are covered under your plan for a $0 copay when you visit your primary care provider:

  • Annual Wellness Exam
  • Annual Routine Physical
  • Screenings for certain Cancers (Prostate, colorectal, breast cancer)
  • Screening for diabetes
  • Smoking and Tobacco Use Cessation

For more information about these preventive services, please call the Customer Service number on your member ID card.