APWU Health Plan

APWU Health Plan
http://www.apwuhp.com
2011
A fee-for-service plan (high option) and a consumer driven health plan with
preferred provider organizations
Sponsored and administered by: American Postal Workers Union,

AFL-CIO
Who may enroll in this Plan: All Federal and Postal Service employees and For
annuitants who are eligible to enroll in the FEHB Program may become members changes in
of this Plan. To enroll, you must be, or must become, a member or associate benefits,
see page 9.
member of the American Postal Workers Union, AFL-CIO.
CareAllies (Intracorp) is accredited by URAC for Health Utilization Management and Case Management. The CareAllies 24 hour Nurse Line is
accredited by URAC as a Call Center. CIGNA is accredited by NCQA for their PPO Network. CIGNA is accredited by URAC and NCQA for Disease
Management. ValueOptions is accredited by URAC for Health Utilization Management and by NCQA for Managed Behavioral HealthCare Organizations.
Medco is accredited by The Joint Commission under the Home Care Standards for Pharmacy Dispensing Services and by URAC for PBM and Drug
Therapy Management Services. UnitedHealthcare (UHC) is accredited by URAC for Case Management and by URAC and NCQA for Disease
Management. UnitedHealthcare is accredited by NCQA for their PPO Network. This Health Plan has been awarded the 2010 NCQA HEDIS Compliance
Audit seal. See the 2011 Guide for more information about accreditation.
To become a member or associate member: All active Membership dues: Associate members will be billed by the
Postal Service APWU bargaining unit employees must be, or APWU for the $35 annual membership fee, except where
must become, dues-paying members of the APWU, to be exempt by law. APWU will bill new associate members for
eligible to enroll in the Health Plan. All Federal employees, the annual dues when it receives notice of enrollment. APWU
other Postal Service employees in non-APWU bargaining will also bill continuing associate members for the annual
units, and annuitants will automatically become associate membership. Active and retiree non-associate APWU
members of APWU upon enrollment in the APWU Health membership dues vary.
Plan.
Enrollment codes for this Plan:
471 - High Option - Self Only / 472 - High Option - Self and Family
474 - Consumer Driven Option - Self Only / 475 - Consumer Driven Option - Self and Family
RI 71-004
Important Notice from APWU Health Plan About
Our Prescription Drug Coverage and Medicare
OPM has determined that the APWU Health Plan prescription drug coverage is, on average, expected to pay out as much as
the standard Medicare prescription drug coverage will pay for all Plan participants and is considered Creditable Coverage.
Thus you do not need to enroll in Medicare Part D and pay extra for prescription drug benefit coverage. If you decide to
enroll in Medicare Part D later, you will not have to pay a penalty for late enrollment as long as you keep your FEHB
coverage.
However, if you choose to enroll in Medicare Part D, you can keep your FEHB coverage and your FEHB plan will
coordinate benefits with Medicare.
Remember: If you are an annuitant and you cancel your FEHB coverage, you may not re-enroll in the FEHB Program.
Please be advised
If you lose or drop your FEHB coverage and go 63 days or longer without prescription drug coverage that’s at least as good
as Medicare’s prescription drug coverage, your monthly premium will go up at least 1% per month for every month that you
did not have that coverage. For example, if you go 19 months without Medicare Part D prescription drug coverage, your
premium will always be at least 19 percent higher than what many other people pay. You’ll have to pay this higher premium
as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the next Annual
Coordinated Election Period (November 15th through December 31st) to enroll in Medicare Part D.
Medicare’s Low Income Benefits

For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available.
Information regarding this program is available through the Social Security Administration (SSA) online at www.
socialsecurity.gov, or call the SSA at 1-800-772-1213 (TTY 1-800-325-0778).
You can get more information about Medicare prescription drug plans and the coverage offered in your area from these
places:
• Visit www.medicare.gov for personalized help,
• Call 1-800-MEDICARE (1-800-633-4227), (TTY 1-877-486-2048).
Table of Contents
Introduction ...................................................................................................................................................................................3
Plain Language ..............................................................................................................................................................................3
Stop Health Care Fraud! ...............................................................................................................................................................3
Preventing Medical Mistakes ........................................................................................................................................................4
Section 1. Facts about this fee-for-service Plan ...........................................................................................................................7
• General features of our High Option ..............................................................................................................................7
• We have Preferred Provider Organizations (PPOs) ........................................................................................................7
• General features of our Consumer Driven Health Plan (CDHP)....................................................................................7
• How we pay providers ....................................................................................................................................................8
• Your rights ......................................................................................................................................................................8
• Your medical and claims records are confidential ..........................................................................................................8
Section 2. How we change for 2011 ............................................................................................................................................9
• Program-wide changes ...................................................................................................................................................9
• Changes to this Plan .......................................................................................................................................................9
Section 3. How you get care ......................................................................................................................................................10
Identification cards ............................................................................................................................................................10
Where you get covered care ..............................................................................................................................................10
• Covered providers...............................................................................................................................................10
• Covered facilities ................................................................................................................................................10
What you must do to get covered care ..............................................................................................................................11
• Transitional care..................................................................................................................................................11
• If you are hospitalized when your enrollment begins .........................................................................................11
How to get approval for… ................................................................................................................................................12
• Your hospital stay ...............................................................................................................................................12
• Radiology/Imaging Procedures Precertification .................................................................................................13
• Other services .....................................................................................................................................................14
Section 4. Your costs for covered services .................................................................................................................................15
Copayments .......................................................................................................................................................................15
Cost-sharing ......................................................................................................................................................................15
Deductible .........................................................................................................................................................................15
Coinsurance .......................................................................................................................................................................16
If your provider routinely waives your cost ......................................................................................................................16
Waivers ..............................................................................................................................................................................16
Differences between our allowance and the bill ...............................................................................................................16
Your Catastrophic protection out-of-pocket maximum for deductibles, coinsurance and copayments............................17
Carryover ..........................................................................................................................................................................19
If we overpay you .............................................................................................................................................................19
When Government facilities bill us ..................................................................................................................................19
Participates with Medicare or accepts Medicare assignment for the claim and is a member of our PPO network, .........20
Participates with Medicare and is not in our PPO network, .............................................................................................20
Does not participate in Medicare, .....................................................................................................................................20
When you have the Original Medicare Plan (Part A, B, or both) .....................................................................................20
Section 5. Benefits .....................................................................................................................................................................22
High Option Overview ......................................................................................................................................................24
Consumer Driven Health Plan Overview..........................................................................................................................60
Non-FEHB benefits available to Plan members ...............................................................................................................91
2011 APWU Health Plan 1 Table of Contents

Section 6. General exclusions – things we don’t cover .............................................................................................................94
Section 7. Filing a claim for covered services ...........................................................................................................................95
Section 8. The disputed claims process......................................................................................................................................98
Section 9. Coordinating benefits with other coverage .............................................................................................................100
When you have other health coverage ............................................................................................................................100
What is Medicare? ..........................................................................................................................................................100
• Should I enroll in Medicare? ............................................................................................................................101
• The Original Medicare Plan (Part A or Part B) ................................................................................................101
• Tell us about your Medicare coverage ..............................................................................................................102
• Private contract with your physician ................................................................................................................102
• Medicare Advantage (Part C) ...........................................................................................................................102
• Medicare prescription drug coverage (Part D) .................................................................................................102
TRICARE and CHAMPVA ............................................................................................................................................104
Workers’ Compensation ..................................................................................................................................................104
Medicaid..........................................................................................................................................................................104
When other Government agencies are responsible for your care ...................................................................................104
When others are responsible for injuries.........................................................................................................................104
When you have Federal Employees Dental and Vision Insurance Plan (FEDVIP) ........................................................105
Clinical Trials ..................................................................................................................................................................105
Section 10. Definitions of terms we use in this brochure ........................................................................................................106
Section 11. FEHB Facts ...........................................................................................................................................................111
Coverage information ......................................................................................................................................................111
• No pre-existing condition limitation .................................................................................................................111
• Where you can get information about enrolling in the FEHB Program ...........................................................111
• Types of coverage available for you and your family .......................................................................................111
• Children’s Equity Act .......................................................................................................................................112
• When benefits and premiums start....................................................................................................................113
• When you retire ................................................................................................................................................113
When you lose benefits ...................................................................................................................................................113
• When FEHB coverage ends ..............................................................................................................................113
• Upon divorce ....................................................................................................................................................114
• Temporary Continuation of Coverage (TCC) ...................................................................................................114
• Converting to individual coverage....................................................................................................................114
• Getting a Certificate of Group Health Plan Coverage ......................................................................................114
APWU Health Plan Notice of Privacy Practices.............................................................................................................115
Section 12. Three Federal Programs complement FEHB benefits...........................................................................................116
The Federal Flexible Spending Account Program - FSAFEDS ......................................................................................116
TheFederal Employees Dental and Vision Insurance Program - FEDVIP .....................................................................117
The Federal Long Term Care Insurance Program - FLTCIP ...........................................................................................117
Summary of benefits for the High Option of the APWU Health Plan - 2011 ...........................................................................118
Summary of benefits for the CDHP of the APWU Health Plan - 2011 ....................................................................................120
Index..........................................................................................................................................................................................122
2011 Rates for the APWU Health Plan .....................................................................................................................................126
2011 APWU Health Plan 2 Table of Contents

Introduction
This brochure describes the benefits of APWU Health Plan under our contract (CS 1370) with the United States Office of
Personnel Management, as authorized by the Federal Employees Health Benefits law. This Plan is underwritten by the
American Postal Workers Union, AFL-CIO. The address for the APWU Health Plan administrative office is:
APWU Health Plan
799 Cromwell Park Drive, Suites K-Z
Glen Burnie, MD 21061
This brochure is the official statement of benefits. No oral statement can modify or otherwise affect the benefits, limitations,
and exclusions of this brochure. It is your responsibility to be informed about your health benefits.
If you are enrolled in this Plan, you are entitled to the benefits described in this brochure. If you are enrolled in Self and
Family coverage, each eligible family member is also entitled to these benefits. You do not have a right to benefits that were
available before January 1, 2011, unless those benefits are also shown in this brochure.
OPM negotiates benefits and rates with each plan annually. Benefit changes are effective January 1, 2011, and changes are
summarized on page 9. Rates are shown at the end of this brochure.
Plain Language
All FEHB brochures are written in plain language to make them responsive, accessible, and understandable to the public. For
instance,
• Except for necessary technical terms, we use common words. For instance, “you” means the enrollee or family member;
“we” means APWU Health Plan.
• We limit acronyms to ones you know. FEHB is the Federal Employees Health Benefits Program. OPM is the United States
Office of Personnel Management. If we use others, we tell you what they mean first.
• Our brochure and other FEHB plans’ brochures have the same format and similar descriptions to help you compare plans.
If you have comments or suggestions about how to improve the structure of this brochure, let OPM know. Visit OPM’s “Rate
Us” feedback area at www.opm.gov/insure or e-mail OPM at [email protected]. You may also write to OPM at
the U.S. Office of Personnel Management, Insurance Operations, Program Planning and Evaluation, 1900 E Street, NW,
Washington, DC 20415-3650.
Stop Health Care Fraud!

Fraud increases the cost of health care for everyone and increases your Federal Employees Health Benefits Program
premium.
OPM's Office of the Inspector General investigates all allegations of fraud, waste, and abuse in the FEHB Program regardless
of the agency that employs you or from which you retired.
Protect Yourself From Fraud - Here are some things you can do to prevent fraud:
• Do not give your plan identification (ID) number over the telephone or to people you do not know, except for your health
care provider, authorized health benefits plan or OPM representative.
• Let only the appropriate medical professionals review your medical record or recommend services.
• Avoid using health care providers who say that an item or service is not usually covered, but they know how to bill us to
get it paid.
• Carefully review explanations of benefits (EOBs) statements that you receive from us.
• Please review your claims history periodically for accuracy to ensure services are not being billed to your accounts that
were never rendered.
2011 APWU Health Plan 3 Introduction/Plain Language/Advisory

• Do not ask your doctor to make false entries on certificates, bills or records in order to get us to pay for an item or service.
• If you suspect that a provider has charged you for services you did not receive, billed you twice for the same service, or
misrepresented any information, do the following:
- Call the provider and ask for an explanation. There may be an error.
- If the provider does not resolve the matter, call us at 1-800-222-APWU (2798) and explain the situation.
- If we do not resolve the issue:
CALL - THE HEALTH CARE FRAUD HOTLINE

202-418-3300
OR WRITE TO:
United States Office of Personnel Management
Office of the Inspector General Fraud Hotline
1900 E Street NW Room 6400
Washington, DC 20415-1100
• Do not maintain as a family member on your policy:

- Your former spouse after a divorce decree or annulment is final (even if a court order stipulates otherwise); or
- Your child age 26 or over (unless he/she was disabled and incapable of self-support prior to age 26).
• If you have any questions about the eligibility of a dependent, check with your personnel office if you are employed, with
your retirement office (such as OPM) if you are retired, or with the National Finance Center if you are enrolled under
Temporary Continuation of Coverage.
• You can be prosecuted for fraud and your agency may take action against you if you falsify a claim to obtain FEHB
benefits or try to obtain services for someone who is not an eligible family member or if you are no longer enrolled in the
Plan.
• If your enrollment continues after you are no longer eligible for coverage (i.e., you have separated from Federal service)
and premiums are paid, you will be responsible for all benefits paid during the period in which premiums were not paid.
You may be billed for services received directly from your provider. You may be prosecuted for fraud for knowingly using
health insurance benefits for which you have not paid premiums. It is your responsibility to know when you or a family
member are no longer eligible to use your health insurance coverage.
Preventing Medical Mistakes

An influential report from the Institute of Medicine estimates that up to 98,000 Americans die every year from medical
mistakes in hospitals alone. That’s about 3,230 preventable deaths in the FEHB Program a year. While death is the most
tragic outcome, medical mistakes cause other problems such as permanent disabilities, extended hospital stays, longer
recoveries, and even additional treatments. By asking questions, learning more and understanding your risks, you can
improve the safety of your own health care, and that of your family members. Take these simple steps:
1. Ask questions if you have doubts or concerns.
- Ask questions and make sure you understand the answers.
- Choose a doctor with whom you feel comfortable talking.
- Take a relative or friend with you to help you ask questions and understand answers.
2. Keep and bring a list of all the medicines you take.

- Bring the actual medicines or give your doctor and pharmacist a list of all the medicines that you take, including non-
prescription medicines.
- Tell them about any drug allergies you have.

- Ask about any risks or side effects of the medication and what to avoid while taking it. Be sure to write down what your
doctor or pharmacist says.
- Make sure your medicine is what the doctor ordered. Ask the pharmacist about your medicine if it looks different than
you expected.
- Read the label and patient package insert when you get your medicine, including all warnings and instructions.
- Know how to use your medicine. Especially note the times and conditions when your medicine should and should not
be taken.
- Contact your doctor or pharmacist if you have any questions.
3. Get the results of any test or procedure.

- Ask when and how you will get the results of tests or procedures.
- Don’t assume the results are fine if you do not get them when expected, be it in person, by phone, or by mail.
- Call your doctor and ask for your results.
- Ask what the results mean for your care.
4. Talk to your doctor about which hospital is best for your health needs.
- Ask your doctor about which hospital has the best care and results for your condition if you have more than one hospital
to choose from to get the health care you need.
- Be sure you understand the instructions you get about follow-up care when you leave the hospital.
5. Make sure you understand what will happen if you need surgery.
- Make sure you, your doctor, and your surgeon all agree on exactly what will be done during the operation.
- Ask your doctor, “Who will manage my care when I am in the hospital?”
- Ask your surgeon:
"Exactly what will you be doing? "

"About how long will it take?"
"What will happen after surgery?"
"How can I expect to feel during recovery?"
- Tell the surgeon, anesthesiologist, and nurses about any allergies, bad reaction to anesthesia, and any medications you
are taking.
Patient Safety Links

www.ahrq.gov/consumer/. The Agency for Healthcare Research and Quality makes available a wide-ranging list of topics
not only to inform consumers about patient safety but to help choose quality health care providers and improve the quality of
care you receive.
www.npsf.org. The National Patient Safety Foundation has information on how to ensure safer health care for you and your
family.
www.talkaboutrx.org. The National Council on Patient Information and Education is dedicated to improving communication
about the safe, appropriate use of medicines.
www.leapfroggroup.org. The Leapfrog Group is active in promoting safe practices in hospital care.
www.ahqa.org. The American Health Quality Association represents organizations and health care professionals working to
improve patient safety.
www.quic.gov/report/toc.htm. Find out what federal agencies are doing to identify threats to patient safety and help prevent
mistakes in the nation’s health care delivery system.
Never Events
You will not be billed for inpatient services related to treatment of specific hospital acquired conditions or for inpatient
services needed to correct never events, if you use APWU Health Plan preferred providers. This new policy will help protect
you from preventable medical errors and improve the quality of care you receive.

When you enter the hospital for treatment of one medical problem, you don’t expect to leave with additional injuries,
infections or other serious conditions that occur during the course of your stay. Although some of these complications may
not be avoidable, too often patients suffer from injuries or illnesses that could have been prevented if the hospital had taken
proper precautions.
We have a benefit payment policy that will encourage hospitals to reduce the likelihood of hospital-acquired conditions such
as certain infections, severe bedsores and fractures; and reduce medical errors that should never happen called “Never
Events”. When a Never Event occurs, neither you nor your FEHB plan will incur costs to correct the medical error.

Section 1. Facts about this fee-for-service Plan
This Plan is a fee-for-service (FFS) plan. You can choose your own physicians, hospitals, and other health care providers. We
give you a choice of enrollment in a High Option or a Consumer Driven Health Plan (CDHP).
We reimburse you or your provider for your covered services, usually based on a percentage of the amount we allow. The
type and extent of covered services, and the amount we allow, may be different from other plans. Read brochures carefully.
This plan is a "grandfathered health plan" under the Affordable Care Act. A grandfathered plan must preserve basic health
coverage that was already in effect when the law passed. Specifically, this plan cannot eliminate all or substantially all
benefits to diagnose or treat a particular condition; it cannot increase your coinsurance (the percentage of a bill you pay); and
any increases in deductibles, out-of-pocket limits, and other copayments (the fixed-dollar amount you pay) must be minimal.
Questions regarding what protections apply and what protections do not apply to a grandfathered health plan may be directed
to us at 1-800-222-APWU (2798). You can also read additional information from the U.S. Department of Health and Human
Services at www.healthcare.gov.
General features of our High Option
We have Preferred Provider Organizations (PPOs):
Our fee-for-service plans offer services through PPO networks. This means that certain hospitals and other health care
providers are “preferred providers”. When you use our network providers, you will receive covered services at reduced cost.
APWU Health Plan is solely responsible for the selection of PPO providers in your area. The PPO networks for the High
Option and the Consumer Driven Option are different.
The non-PPO benefits are the standard benefits of this Plan. PPO benefits apply only when you use a PPO provider. Provider
networks may be more extensive in some areas than others. We cannot guarantee the availability of every specialty in all
areas. If no PPO provider is available, or you do not use a PPO provider, the standard non-PPO benefits apply. However, if
surgical services are rendered at a PPO hospital or a PPO freestanding ambulatory facility by a PPO primary surgeon, we will
pay the services of anesthesiologists who are not preferred providers at the PPO rate, based on Plan allowance.
High Option PPO Network: Contact APWU Health Plan at 1-800-222-APWU (2798) to request a High Option PPO
directory. You can also go to our Web page, which you can reach through the FEHB website, www.opm.gov/insure. If you
need assistance in identifying a participating provider or to verify their continued participation, call the Plan’s PPO
administrator for your state: The Plan uses CIGNA as its PPO network in all states, CIGNA 1-800-582-1314. For providers
in the U.S. Virgin islands call V.I. Equicare 1-340-774-5779 and for hospitals in the U.S. Virgin Islands call CIGNA
1-800-582-1314. For mental conditions/substance abuse providers (all states), call ValueOptions toll-free 1-888-700-7965.
When you leave your state of residence, CIGNA is your travel network, available in all 50 states and the District of
Columbia. When out of your state of residence, if you do not use a CIGNA PPO provider or a CIGNA PPO provider is not
available, standard non-PPO benefits apply. For assistance in identifying a provider in the travel network, call CIGNA
1-800-582-1314.
This Plan offers you access to certain non-PPO health care providers that have agreed to discount their charges. Covered
services by these providers are considered at the negotiated rate subject to applicable deductibles, copayments and
coinsurance. Since these providers are not PPO providers, non-PPO benefit levels will apply. Contact CIGNA at
1-800-582-1314 for more information.
General features of our Consumer Driven Health Plan (CDHP)
Preventive benefits: This component provides first dollar coverage for specified preventive care for adults and children if
you use a network provider.
Personal Care Account (PCA) benefits: This component is used first to provide first dollar coverage for covered medical,
dental and vision care services until the account balance is exhausted.
Traditional benefits: After you have used up your Personal Care Account and satisfied a Deductible, the Plan starts paying
benefits under the Traditional Health Coverage as described in Section 5.
2011 APWU Health Plan 7 Section 1

Consumer Driven Option PPO Network: If you need assistance identifying a participating provider or to verify their
continued participation, call the Plan's Consumer Driven Option administrator, UnitedHealthcare, at 1-800-718-1299 or you
can go to their Web page, http://www.welcometouhc.com/apwu, for a full nationwide online provider directory. Printed
provider directories are not available.
How we pay providers
PPO Providers: Allowable benefits are based upon charges and discounts which we or our PPO administrators have
negotiated with participating providers. PPO provider charges are always within our Plan allowance.
Non-PPO providers: We determine our allowance for covered charges by using health care charge data prepared by EMC for
the High Option and Ingenix for the Consumer Driven Health Plan, including our own data, when necessary. We apply this
charge data under the High Option at the 70th percentile and under the Consumer Driven Option at the 80th percentile.
Your rights
OPM requires that all FEHB plans provide certain information to their FEHB members. You may get information about us,
our networks, and our providers. OPM’s FEHB Web site (www.opm.gov/insure) lists the specific types of information that
we must make available to you. Some of the required information is listed below.
• CareAllies inpatient pre-certification and case management services are provided for the High Option in all states.
Intracorp, the company through which CareAllies program is administered, is fully accredited by URAC for Health
Utilization Management and Case Management. The 24 hour NurseLine is accredited by URAC as a Call Center.
• CIGNA performs Disease Management for the High Option. They are accredited by The American Accreditation Health
Care Commission/URAC and The National Committee for Quality Assurance (NCQA) for Disease Management. They
are also accredited by NCQA for their PPO Network.
• Medco. the Health Plan's Pharmacy Benefit Manager (PBM), is accredited by The Join Commission under the Home Care
Standards for Pharmacy Dispensing Services and by URAC for PBM and Drug Therapy Management Services.
• ValueOptions performs hospital precertification, continued stay review and outpatient prior authorization for mental
health/substance abuse services. They are accredited by The American Accreditation Health Care Commission/URAC for
Health Utilization Management and by the National Committee for Quality Assurance (NCQA) for Managed Behavioral
HealthCare Organizations.
• UnitedHealthcare (UHC) is accredited by URAC for Case Management and by URAC and NCQA for Disease
Management. UnitedHealthcare is accredited by NCQA for their PPO Network.
• The American Postal Workers Union Health Plan is a not-for-profit Voluntary Employee’s Beneficiary Association
(VEBA) formed in 1972.
• We meet applicable State and Federal licensing and accreditation requirements for fiscal solvency, confidentiality and
transfer of medical records.
If you want more information about us, call 1-800-222-APWU (2798), or write to APWU Health Plan, P.O. Box 1358, Glen
Burnie, MD 21060-1358. You may also contact us by fax at 1-410-424-1588 or visit our Web site at www.apwuhp.com.
Your medical and claims records are confidential
We will keep your medical and claims records confidential. Please note that we may disclose your medical and claims
information (including your prescription drug utilization) to any of your treating physicians or dispensing pharmacies.

Section 2. How we change for 2011
Do not rely only on these change descriptions; this Section is not an official statement of benefits. For that, go to Section 5
Benefits. Also, we edited and clarified language throughout the brochure; any language change not shown here is a
clarification that does not change benefits.
Program-wide changes
• Several provisions of the Affordable Care Act (ACA) affect eligibility and benefits under the FEHB Program and
FSAFEDS beginning January 1, 2011. For instance, children up to age 26 will be covered under a Self and Family
enrollment. Please read the information in Sections 11 and 12 carefully.
• We have reorganized organ and tissue transplant benefit information to clarify coverage.
• We have reorganized Mental health and substance abuse benefits to clarify coverage.
• The State of Oklahoma is a Medically Underserved Area.
Changes to this Plan
Changes to our High Option only
• Your share of the Postal premium will increase/decrease for Self Only or increase/decrease for Self and Family (see page
126).
• Your share of the non-Postal premium will increase for Self Only or increase for Self and Family (see page 126).
• We have deleted the separate deductible for Mental health and substance abuse (see page 47).
• The Plan has added Cancer Centers of Excellence (COE) to be paid at 95% (see page 43).
• The Plan now offers a smoking cessation program (see page 34).
• The Plan now offers additional incentives under the diabetes management program (see page 56).
• The Plan has added additional free in-network screenings, see page 26 for full list.
• The Plan now offers routine examinations with a $0 copay in-network (see page 26).
Changes to our Consumer Driven Health Plan only
• Your share of the Postal premium will increase/decrease for Self Only or increase/decrease for Self and Family (see page
126).
• Your share of the non-Postal premium will increase/decrease Self Only or increase/decrease for Self and Family (see page
126).
• The Plan now offers a smoking cessation program (see page 73).
• The Plan now offers additional incentives under the diabetes management program (see page 88).

Section 3. How you get care
Identification cards We will send you an identification (ID) card when you enroll. You should carry your ID
card with you at all times. You must show it whenever you receive services from a Plan
provider, or fill a prescription at a Plan pharmacy. Until you receive your ID card, use
your copy of the Health Benefits Election Form, SF-2809, your health benefits enrollment
confirmation (for annuitants), or your electronic enrollment system (such as Employee
Express) confirmation letter.
If you do not receive your ID card within 30 days after the effective date of your
enrollment, or if you need replacement cards, contact us as follows:
• High Option: Call us at 1-800-222-APWU (2798) or write to us at P.O. Box 1358,
Glen Burnie, MD 21060-1358 or through our Web site at www.apwuhp.com.
• Consumer Driven Option: Call UnitedHealthcare at 1-800-718-1299 or write to us
at P.O. Box 740810, Atlanta, GA 30374-0810 or request replacement cards through
the Web site at www.myuhc.com.
Where you get covered You can get care from any “covered provider” or “covered facility.” How much we pay –
care and you pay – depends on the type of covered provider or facility you use. If you use our
preferred providers, you will pay less.
• Covered providers We consider the following to be covered providers when they perform services within the
scope of their license or certification:
1. Doctor – A licensed doctor of medicine (M.D.), a licensed doctor of osteopathy (D.O.),
a licensed doctor of podiatry (D.P.M.), or, for certain specified services covered by this
Plan, a licensed dentist, licensed chiropractor, or licensed clinical psychologist
practicing within the scope of the license.
2. Alternate Provider – Alternate providers are covered when performing certain
specified services covered by this Plan and when such treatment is within the scope of
the provider’s license. Alternate providers are limited to licensed physical,
occupational and speech therapists; licensed physician’s assistants; Registered Nurses
(R.N.); Licensed Practical Nurses (L.P.N.); Licensed Vocational Nurses (L.V.N.); and
Certified Registered Nurse Anesthetists (C.R.N.A.).
3. Other covered providers include a qualified clinical psychologist, clinical social
worker, optometrist, audiologist, nurse midwife nurse practitioner/clinical specialist,
and nursing school administered clinic. For purposes of this FEHB brochure, the term
“doctor” includes all of these providers when the services are performed within the
scope of their license or certification.
Medically underserved areas. Note: We cover any licensed medical practitioner for any
covered service performed within the scope of that license in the states OPM determines
are “medically underserved.” For 2011, the states are: Alabama, Arizona, Idaho, Illinois,
Kentucky, Louisiana, Mississippi, Missouri, Montana, New Mexico, North Dakota,
Oklahoma, South Carolina, South Dakota and Wyoming.
• Covered facilities Covered facilities include:

• Freestanding ambulatory facility
An out-of-hospital facility such as a medical, cancer, dialysis, or surgical center or

clinic, and licensed outpatient facilities accredited by the Joint Commission on
Accreditation of Healthcare Organizations for treatment of substance abuse.
• Hospital
1. An institution which is accredited as a hospital under the Hospital Accreditation
Program of the Joint Commission on Accreditation of Healthcare Organizations, or

2. Any other institution which is operated pursuant to law, under the supervision of a
staff of doctors and twenty-four hour a day nursing service, and which is primarily
engaged in providing:
a) general inpatient care and treatment of sick and injured persons through medical,
diagnostic and major surgical facilities, all of which must be provided on its
premises or under its control, or
b) specialized inpatient medical care and treatment of sick or injured persons through
medical and diagnostic facilities (including X-ray and laboratory) on its premises,
under its control, or through a written agreement with a hospital (as defined above)
or with a specialized provider of those facilities.
The term "hospital" shall not include a skilled nursing facility, a convalescent nursing
home or institution or part thereof which 1) is used principally as a convalescent
facility, rest facility, residential treatment center, nursing facility or facility for the
aged or 2) furnishes primarily domiciliary or custodial care, including training in the
routines of daily living.
What you must do to get It depends on the kind of care you want to receive. You can go to any provider you want,
covered care but we must approve some care in advance.
• Transitional care Specialty care: If you have a chronic or disabling condition and
• lose access to your specialist because we drop out of the Federal Employees Health
Benefits (FEHB) Program and you enroll in another FEHB Plan, or
• lose access to your PPO specialist because we terminate our contract with your
specialist for reasons other than cause,
you may be able to continue seeing your specialist and receiving any PPO benefits for up
to 90 days after you receive notice of the change. Contact us or, if we drop out of the
Program, contact your new plan.
If you are in the second or third trimester of pregnancy and you lose access to your
specialist based on the above circumstances, you can continue to see your specialist and
your PPO benefits continue until the end of your postpartum care, even if it is beyond the
90 days.
• If you are hospitalized We pay for covered services from the effective date of your enrollment. However, if you
when your enrollment are in the hospital when your enrollment in our High Option begins, call our customer
begins service department immediately at 1-800-222-APWU (2798). For the Consumer Driven
Option, please call UnitedHealthcare at 1-800-718-1299. If you are new to the FEHB
Program, we will reimburse you for your covered services while you are in the hospital
beginning on the effective date of your coverage.
If you changed from another FEHB plan to us, your former plan will pay for the hospital
stay until:
• You are discharged, not merely moved to an alternative care center; or
• The day your benefits from your former plan run out; or
• The 92nd day after you become a member of this Plan, whichever happens first
These provisions apply only to the benefits of the hospitalized person. If your plan
terminates participation in the FEHB in whole or in part, or if OPM orders an enrollment
change, this continuation of coverage provision does not apply. In such cases, the
hospitalized family member’s benefits under the new plan begin on the effective date of
enrollment.

How to get approval
for…
• Your hospital stay Precertification is the process by which – prior to your inpatient hospital admission – we
evaluate the medical necessity of your proposed stay and the number of days required to
treat your condition. Unless we are misled by the information given to us, we won’t
change our decision on medical necessity.
In most cases, your physician or hospital will take care of precertification. Because you
are still responsible for ensuring that your care is precertified, you should always ask your
physician or hospital whether they have contacted us.
Warning We will reduce our benefits for the inpatient hospital stay by $500 if no one contacts us
for precertification. If the stay is not medically necessary, we will not pay any benefits.
How to precertify an • High Option: You, your representative, your doctor, or your hospital must call
admission CIGNA/CareAllies at 1-800-582-1314 at least 48 hours before admission. For Mental
health and substance abuse, both inpatient and outpatient, your doctor or your hospital
must call ValueOptions at 1-888-700-7965 at least 48 hours before admission. These
numbers are available 24 hours every day.
• Consumer Driven Option: You, your representative, your doctor, or your hospital
must call UnitedHealthcare at 1-800-718-1299 at least 48 hours before admission. For
Mental health and substance abuse, both inpatient and outpatient, your doctor or your
hospital must call ValueOptions at 1-888-700-7965 at least 48 hours before admission.
These numbers are available 24 hours every day.
• If you have an emergency admission due to a condition that you reasonably believe
puts your life in danger or could cause serious damage to bodily function, you, your
representative, the doctor, or the hospital must telephone the above number 48 hours
following the day of the emergency admission, even if you have been discharged from
the hospital.
• Provide the following information:
- Enrollee’s name and Plan identification number
- Patient’s name, birth date, and phone number
- Reason for hospitalization, proposed treatment, or surgery
- Name and phone number of admitting doctor
- Name of hospital or facility; and
- Number of planned days of confinement
• We will then tell the doctor and/or hospital the number of approved inpatient days and
we will send written confirmation of our decision to you, your doctor, and the hospital.
Maternity care You do not need to precertify a maternity admission for a routine delivery. However, if
your medical condition requires you to stay more than 48 hours after a vaginal delivery or
96 hours after a cesarean section, then your physician or the hospital must contact us for
precertification of additional days. Further, if your baby stays after you are discharged,
then your physician or the hospital must contact us for precertification of additional days
for your baby.
If your hospital stay High Option: If your hospital stay – including for maternity care – needs to be extended,
needs to be extended you, your representative, your doctor or the hospital must ask us to approve the additional
days by calling the precertification vendor for your state as shown above; CIGNA/
CareAllies at 1-800-582-1314.

Consumer Driven Option: If your hospital stay – including for maternity care – needs to
be extended, you, your representative, your doctor or the hospital must ask us to approve
the additional days by calling UnitedHealthcare at 1-800-718-1299.
What happens when you • If no one contacts us, we will decide whether the hospital stay was medically
do not follow the necessary.
precertification rules • If we determine that the stay was medically necessary, we will pay the inpatient
charges, less the $500 penalty.
If we determine that it was not medically necessary for you to be an inpatient, we will not
pay inpatient hospital benefits. We will only pay for any covered medical supplies and
services that are otherwise payable on an outpatient basis.
If we denied the precertification request, we will not pay inpatient hospital benefits. We
will only pay for any covered medical supplies and services that are otherwise payable on
an outpatient basis.
When we precertified the admission but you remained in the hospital beyond the number
of days we approved and did not get the additional days precertified, then:
• For the part of the admission that was medically necessary, we will pay inpatient
benefits, but
• For the part of the admission that was not medically necessary, we will pay only
medical services and supplies otherwise payable on an outpatient basis and will not
pay inpatient benefits.
Exceptions You do not need precertification in these cases:

• You are admitted to a hospital outside the United States and Puerto Rico.
• You have another group health insurance policy that is the primary payor for the
hospital stay.
• Medicare Part A is the primary payor for the hospital stay. Note: If you exhaust your
Medicare hospital benefits and do not want to use your Medicare lifetime reserve
days, then we will become the primary payor and you do need precertification.
• Radiology/Imaging High Option: Radiology precertification is required prior to scheduling specific imaging
Procedures procedures. We evaluate the medical necessity of your proposed procedure to ensure that
Precertification the appropriate procedure is being requested for your condition. In most cases your
physician will take care of the precertification. Because you are responsible for ensuring
that precertification is done, you should ask your doctor to contact us.
The following outpatient radiology services require precertification:
CAT/CT – Computerized Axial Tomography
MRI – Magnetic Resonance Imaging
MRA – Magnetic Resonance Angiography
NC – Nuclear Cardiology
PET – Positron Emission Tomography
How to precertify a For these outpatient studies; you, your representative or doctor must call CIGNA/
radiology/imaging CareAllies before scheduling the procedure. The toll free number is 1-800-582-1314.
procedure • Provide the following information:
- Patient’s name, Plan identification number, and birth date
- Requested procedure and clinical support for request
- Name and phone number of ordering provider

- Name of requested imaging facility
Exceptions You do not need precertification in these cases:

• You have another health insurance policy that is primary including Medicare Parts
A&B or Part B Only
• The procedure is performed outside the United States or Puerto Rico
• You are inpatient hospital
• The procedure is performed as an emergency
Warning We will reduce our benefits for these procedures by $100 if no one contacts us for
precertification. If the procedure is not medically necessary, we will not pay any benefits.
• Other services Some services require prior approval (High Option) and some require pre-notification
(Consumer Driven Option):
• Prior approval/pre-notification is required for organ transplantation. Call before your
first evaluation as a potential candidate.
• Prior approval/pre-notification is required for surgical procedures which may be
cosmetic in nature such as eyelid surgery (blepharoplasty) or varicose vein surgery
(sclerotherapy).
• Prior approval/pre-notification is required for recognized surgery for morbid obesity
(bariatric surgery) or for organic impotence.
• Prior approval/pre-notification is required for home health care such as nursing visits,
infusion therapy, growth hormone therapy (GHT), rehabilitative therapy (physical,
occupational or speech therapy) and pulmonary rehabilitation programs.
• Prior approval/pre-notification is required for durable medical equipment such as
wheelchairs, oxygen equipment and supplies, artificial limbs and braces.
• Prior approval/pre-notification is required for certain classes of drugs and coverage
authorization is required for some medications. This authorization uses Plan rules
based on FDA-approved prescribing and safety information, clinical guidelines, and
uses that are considered reasonable, safe, and effective. For example, prescription
drugs used for cosmetic purposes such as Retin A or Botox, may not be covered. Other
medications might be limited to a certain amount (such as quantity or dosage) within a
specific time period, or require authorization to confirm clinical use based on FDA
labeling.
To inquire if your medication requires prior approval or authorization, call MEDCO

Customer Service at 1-800-841-2734 for the High Option (See Section 5 (f), page 49 and
1-800-309-5528 for the Consumer Driven Option (Section 5 (c), page 84).
High Option: Call CIGNA/CareAllies at 1-800-582-1314 if you need any of the services
listed above.
Consumer Driven Option: Call UnitedHealthcare at 1-800-718-1299 if you need any of

the services listed above:
• Prior approval is also required for mental health and substance abuse benefits,
inpatient or outpatient, in-network or out-of-network. Under the High Option and the
Consumer Driven Option, call ValueOptions at 1-888-700-7965.

Section 4. Your costs for covered services
This is what you will pay out-of-pocket for covered care
Copayments High Option: A copayment is a fixed amount of money you pay to the provider, facility,
pharmacy, etc., when you receive certain services.
Example: Under the High Option, when you see your PPO physician you pay a
copayment of $18 per visit.
Consumer Driven Option: There are no copayments under the Consumer Driven
Option.
Note: If the billed amount or the Plan allowance that providers we contract with have
agreed to accept as payment in full is less than your copayment, you pay the lower
amount.
Cost-sharing Cost-sharing is the general term used to refer to your out-of-pocket costs (e.g., deductible,
coinsurance, and copayments) for covered care you receive.
Deductible A deductible is a fixed amount of covered expenses you must incur for certain covered
services and supplies before we start paying benefits for them. Copayments and
coinsurance amounts do not count toward any deductible. When a covered service or
supply is subject to a deductible, only the Plan allowance for the service or supply counts
toward the deductible.
High Option
• If you use PPO providers, the calendar year deductible is $275 per person. Under a
family enrollment, the deductible is satisfied for all family members when the
combined covered expenses applied to the calendar year deductible for family
members reach $550. If you use non-PPO providers, your calendar year deductible
increases to a maximum of $500 per person ($1,000 per family). Whether or not you
use PPO providers, your calendar year deductible will not exceed $500 per person
($1,000 per family).
If the billed amount (or the Plan allowance that providers we contract with have agreed to
accept as payment in full) is less than the remaining portion of your deductible, you pay
the lower amount.
Example: If the billed amount is $100, the provider has an agreement with us to accept
$80, and you have not paid any amount toward meeting your calendar year deductible,
you must pay $80. We will apply $80 to your deductible. We will begin paying benefits
once the remaining portion of your calendar year deductible ($275) has been satisfied.
Note: If you change plans during Open Season, and the effective date of your new plan is
after January 1 of the next year, you do not have to start a new deductible under your old
plan between January 1 and the effective date of your new plan. If you change plans at
another time during the year, you must begin a new deductible under your new plan.
If you change from Self and Family to Self Only, or from Self Only to Self and Family
during the year, we will credit the amount of covered expenses already applied toward the
deductible of your old enrollment to the deductible of your new enrollment. However, if
you change from High Option to Consumer Driven Option or from Consumer Driven
Option to High Option, during the year, expenses incurred as of the effective date of the
option change are subject to the benefit provisions of your new option.

Consumer Driven Option: Your Deductible is your bridge between your Personal Care
Account (PCA) and your Traditional Health Coverage. After you have exhausted your
PCA, you must pay your Deductible before your Traditional Health Coverage begins.
Your Deductible is generally $600 for a Self Only enrollment or $1,200 for a Self and
Family enrollment. Your Deductible in subsequent years may be reduced by rolling over
any unused portion of your Personal Care Account remaining at the end of the calendar
year(s). Also, there is no separate deductible for mental health and substance abuse
benefits under the Consumer Driven Option.
Coinsurance High Option: Coinsurance is the percentage of our allowance that you must pay for your
care. Coinsurance doesn’t begin until you meet your deductible.
Example: You pay 30% of our allowance for office visits to a non-PPO physician.
Consumer Driven Option: Coinsurance is the percentage of our allowance that you
must pay for your care after you have used up your Personal Care Account (PCA) and
paid your Deductible.
If your provider routinely If your provider routinely waives (does not require you to pay) your copayments,
waives your cost deductibles, or coinsurance, the provider is misstating the fee and may be violating the
law. In this case, when we calculate our share, we will reduce the provider’s fee by the
amount waived.
For example, if your physician ordinarily charges $100 for a service but routinely waives
your 30% coinsurance, the actual charge is $70. We will pay $49 (70% of the actual
charge of $70).
Waivers In some instances, an APWU Health Plan provider may ask you to sign a “waiver” prior to
receiving care. This waiver may state that you accept responsibility for the total charge for
any care that is not covered by your health plan. If you sign such a waiver, whether you
are responsible for the total charge depends on the contracts that the Plan has with its
providers. If you are asked to sign this type of waiver, please be aware that, if benefits are
denied for the services, you could be legally liable for the related expenses. If you would
like more information about waivers, please contact us at 1-800-222-APWU (2798).
Differences between our High Option: Our “Plan allowance” is the amount we use to calculate our payment for
allowance and the bill covered services. Fee-for-service plans arrive at their allowances in different ways, so
their allowances vary. For more information about how we determine our Plan allowance,
see the definition of Plan allowance in Section 10.
Often, the provider’s bill is more than a fee-for-service plan’s allowance. Whether or not
you have to pay the difference between our allowance and the bill will depend on the
provider you use.
• PPO providers agree to limit what they will bill you. Because of that, when you use a
preferred provider, your share of covered charges consists only of your deductible and
coinsurance or copayment. Here is an example about coinsurance: You see a PPO
physician who charges $150, but our allowance is $100. If you have met your
deductible, you are only responsible for your coinsurance. That is, you pay just -- 10%
of our $100 allowance ($10). Because of the agreement, your PPO physician will not
bill you for the $50 difference between our allowance and his/her bill.
• Non-PPO providers, on the other hand, have no agreement to limit what they will bill
you. When you use a non-PPO provider, you will pay your deductible and coinsurance
-- plus any difference between our allowance and charges on the bill. Here is an
example: You see a non-PPO physician who charges $150 and our allowance is again
$100. Because you’ve met your deductible, you are responsible for your coinsurance,
so you pay 30% of our $100 allowance ($30). Plus, because there is no agreement
between the non-PPO physician and us, the physician can bill you for the $50
difference between our allowance and his/her bill.

The following table illustrates the examples of how much you have to pay out-of-pocket
for services from a PPO physician vs. a non-PPO physician. The table uses our example of
a service for which the physician charges $150 and our allowance is $100. The table
shows the amount you pay if you have met your calendar year deductible.
EXAMPLE PPO physician Non-PPO physician

Physician's charge $150 $150
Our allowance We set it at: 100 We set it at: 100
We pay 90% of our allowance: 90 70% of our allowance: 70
You owe: Coinsurance 10% of our allowance: 10 30% of our allowance: 30
+Difference up to charge? No: 0 Yes: 50
TOTAL YOU PAY $10 $80
Consumer Driven Option:
PPO providers agree to accept our Plan allowance so if you use a PPO provider, you
never have to worry about paying the difference between the Plan allowance and the
billed amount for covered services. If your covered expenses are being paid out of your
Personal Care Account or if you are receiving in-network covered preventive services, the
Plan will pay 100%. If you have exhausted your Personal Care Account, you will be
responsible for paying your Deductible and also coinsurance under the Traditional Health
Coverage.
Non PPO Providers - If you use a non-PPO provider, you will have to pay the difference
between the Plan allowance and the billed amount only if you use up your Personal Care
Account for the year. Note that it usually makes sense to use PPO providers because it
will make your Personal Care Account go much further since money left in your Personal
Care Account can be rolled over to be used in the next year.
Your Catastrophic There is a limit to the amount you must pay out-of-pocket for coinsurance for the year for
protection out-of-pocket certain charges. When you have reached this limit, you pay no coinsurance for covered
maximum for services for the remainder of the calendar year.
deductibles, coinsurance
and copayments High Option:
PPO benefit: Your out-of-pocket maximum is $4,000 for either a Self Only or a Self and
Family enrollment if you are using PPO providers. Only eligible expenses for PPO
providers count toward this limit.
Non-PPO benefit: Your out-of-pocket maximum is $10,000 for either a Self Only or a
Self and Family enrollment if you are using non-PPO providers. Eligible expenses for
network providers also count toward this limit. Your eligible out-of-pocket expenses will
not exceed this amount whether or not you use network providers.
Out-of-pocket expenses for the purposes of this benefit are:

• The 10% you pay (or the 5% you pay for Cancer Centers of Excellence) for PPO;
inpatient medical services and supplies, surgical and anesthesia services, services
provided by a hospital or other facility and ambulance services, emergency services/
accidents, mental health and substance abuse and dental
• The 30% you pay for non-PPO; medical services and supplies, surgical and anesthesia
services, services provided by a hospital or other facility and ambulance services,
emergency services/accidents, mental health and substance abuse and dental
• The copayment of $18 for outpatient visits to PPO physicians
The following cannot be included in the accumulation of out-of-pocket expenses:

• Expenses in excess of our allowance or maximum benefit limitations

• Any amounts you pay because benefits have been reduced for non-compliance with
this Plan's cost containment requirements (see pages 12, 13, and 14)
• Covered expenses applied to any deductibles
• The $300 per admission deductible for non-PPO Inpatient hospital charges
• Expenses for prescription drugs
• Expenses in excess of visit maximums for physical, occupational and speech therapy
(see page30)
• Expenses incurred in excess of the $90 per day provided under home nursing care (see
page 33); and
• Expenses in excess of Hospice care and preventive care maximums
Consumer Driven Option:
If you have exceeded your Personal Care Account and met your Deductible the following
would apply:
In-network benefit: Your out-of-pocket maximum is $3,000 for a Self Only enrollment
or $4,500 for a Self and Family enrollment if you are using network providers. Only
eligible expenses for network providers count toward this limit.
Out-of-network benefit: Your out-of-pocket maximum is $9,000 for either a Self Only
or a Self and Family enrollment if you are using out-of-network providers. Eligible
expenses for network providers also count toward this limit. Your eligible out-of-pocket
expenses will not exceed this amount whether or not you use network providers.
Out-of-pocket expenses for the purposes of this benefit are:

• The 15% you pay (or the 10% you pay for Cancer Centers of Excellence) for in-
network Inpatient and Outpatient hospital charges, Surgical, Medical, Maternity and
Emergency services under the Traditional Health Coverage
• The 40% you pay for out-of-network Inpatient and Outpatient hospital charges,
Surgical, Medical, Maternity and Emergency services under the Traditional Health
Coverage
The following cannot be included in the accumulation of out-of-pocket expenses:

• Any expenses paid by the Plan under your Personal Care Account
• Any expenses paid by the Plan under your In-network Preventive Care benefit
• Any expenses you must pay under your Deductible
• Expenses in excess of our allowance or maximum benefit limitations or expenses not
covered under the Traditional Health Coverage
• Covered expenses applied to my deductibles
• Expenses you pay for prescription drugs under your Traditional Health Coverage
• Dental care or Vision care expenses above the limitations provided under your
Personal Care Account
• Any amounts you pay because benefits have been reduced for non-compliance with
this Plan’s cost containment requirements (see pages 12, 13 and 14)
• Expenses in excess of Hospice care maximums

Carryover If you changed to this Plan during open season from a plan with a catastrophic protection
benefit and the effective date of the change was after January 1, any expenses that would
have applied to that plan’s catastrophic protection benefit during the prior year will be
covered by your old plan if they are for care you received in January before your effective
date of coverage in this Plan. If you have already met your old plan’s catastrophic
protection benefit level in full, it will continue to apply until the effective date of your
coverage in this Plan. If you have not met this expense level in full, your old plan will first
apply your covered out-of-pocket expenses until the prior year’s catastrophic level is
reached and then apply the catastrophic protection benefit to covered out-of-pocket
expenses incurred from that point until the effective date of your coverage in this Plan.
Your old plan will pay these covered expenses according to this year’s benefits; benefit
changes are effective January 1.
Note: If you change options in this Plan during the year, we will credit the amount of
covered expenses already accumulated toward the catastrophic out-of-pocket limit of your
old option to the catastrophic protection limit of your new option.
If we overpay you We will make diligent efforts to recover benefit payments we made in error but in good
faith. We may reduce subsequent benefit payments to offset overpayments. We will
generally first seek recovery from the provider if we paid the provider directly, or from the
person (covered family member, guardian, custodial parent, etc.) to whom we sent our
payment.
When Government Facilities of the Department of Veterans Affairs, the Department of Defense, and the
facilities bill us Indian Health Service are entitled to seek reimbursement from us for certain services and
supplies they provide to you or a family member. They may not seek more than their
governing laws allow. You may be responsible to pay for certain services and charges.
Contact the government facility directly for more information.
When you are age 65 or over and do not have Medicare

Under the FEHB law, we must limit our payments for inpatient hospital care and physician care to those payments you would
be entitled to if you had Medicare. Your physician and hospital must follow Medicare rules and cannot bill you for more than
they could bill you if you had Medicare. You and the FEHB benefit from these payment limits. Outpatient hospital care and
non-physician based care are not covered by this law; regular Plan benefits apply. The following chart has more information
about the limits.
If you…
• are age 65 or over, and
• do not have Medicare Part A, Part B, or both; and
• have this Plan as an annuitant or as a former spouse, or as a family member of an annuitant or former spouse; and
• are not employed in a position that gives FEHB coverage. (Your employing office can tell you if this applies.)
Then, for your inpatient hospital care,
• the law requires us to base our payment on an amount -- the "equivalent Medicare amount" -- set by Medicare’s rules for
what Medicare would pay, not on the actual charge;
• you are responsible for your applicable deductibles, coinsurance, or copayments under this Plan;
• you are not responsible for any charges greater than the equivalent Medicare amount; we will show that amount on the
explanation of benefits (EOB) form that we send you; and
• the law prohibits a hospital from collecting more than the "equivalent Medicare amount".
And, for your physician care, the law requires us to base our payment and your coinsurance or copayment on…

• an amount set by Medicare and called the “Medicare approved amount,” or
• the actual charge if it is lower than the Medicare approved amount.
If your physician... Then you are responsible for...

Participates with Medicare or accepts Medicare your deductibles, coinsurance, and copayments;
assignment for the claim and is a member of our PPO
network,
Participates with Medicare and is not in our PPO network, your deductibles, coinsurance, copayments, and any
balance up to the Medicare approved amount;
Does not participate in Medicare, your deductibles, coinsurance, copayments, and any
balance up to 115% of the Medicare approved amount
It is generally to your financial advantage to use a physician who participates with Medicare. Such physicians are permitted
to collect only up to the Medicare approved amount.
Our explanation of benefits (EOB) form will tell you how much the physician or hospital can collect from you. If your
physician or hospital tries to collect more than allowed by law, ask the physician or hospital to reduce the charges. If you
have paid more than allowed, ask for a refund. If you need further assistance, call us.
When you have the We limit our payment to an amount that supplements the benefits that Medicare would
Original Medicare Plan pay under Medicare Part A (Hospital insurance) and Medicare Part B (Medical insurance),
(Part A, B, or both) regardless of whether Medicare pays. Note: We pay our regular benefits for emergency
services to an institutional provider, such as a hospital, that does not participate with
Medicare and is not reimbursed by Medicare.
We use the Department of Veterans Affairs (VA) Medicare-equivalent Remittance Advice

(MRA) when the statement is submitted to determine our payment for covered services
provided to you if Medicare is primary, when Medicare does not pay the VA facility.
If you are covered by Medicare Part B and it is primary, your out-of-pocket costs for
services that both Medicare Part B and we cover depend on whether your physician
accepts Medicare assignment for the claim.
• High Option: If your physician accepts Medicare assignment, then you pay nothing
for covered charges.
• Consumer Driven Option: If your physician accepts Medicare assignment, then you
pay nothing if you have unused benefits available under your Personal Care Account
to pay the difference between the Medicare approved amount and Medicare’s
payment. If your PCA is exhausted, you must pay either this full difference under
your Deductible or the lesser of your coinsurance or the full difference if
your Deductible has been met.
If your physician does not accept Medicare assignment, then you pay the difference
between the "limiting charge" or the physician's charge (whichever is less) and our
payment combined with Medicare’s payment.
It's important to know that a physician who does not accept Medicare assignment may not
bill you for more than 115% of the amount Medicare bases its payment on, called the
“limiting charge.” The Medicare Summary Notice (MSN) that Medicare will send you
will have more information about the limiting charge. If your physician tries to collect
more than allowed by law, ask the physician to reduce the charges. If the physician does
not, report the physician to the Medicare carrier that sent you the MSN form. Call us if
you need further assistance.

Please see Section 9, Coordinating benefits with other coverage, for more information
about how we coordinate benefits with Medicare.

Section 5. Benefits
See page 9 for how our benefits changed this year. Page 116 is a benefits summary of the High Option. Make sure that you
review the benefits that are available under the option in which you are enrolled.
High Option Overview ................................................................................................................................................................24
Section 5 (a). Medical services and supplies provided by physicians and other health care professionals ...............................25
Diagnostic and treatment services.....................................................................................................................................25
Lab, X-ray and other diagnostic tests................................................................................................................................26
Preventive care, adult ........................................................................................................................................................26
Preventive care, children ...................................................................................................................................................27
Maternity care ...................................................................................................................................................................28
Family Planning ................................................................................................................................................................28
Infertility services .............................................................................................................................................................28
Allergy care .......................................................................................................................................................................29
Treatment therapies ...........................................................................................................................................................29
Physical and occupational therapies .................................................................................................................................30
Speech therapy ..................................................................................................................................................................30
Hearing services (testing, treatment, and supplies)...........................................................................................................30
Vision services (testing, treatment, and supplies) .............................................................................................................30
Foot care ............................................................................................................................................................................31
Orthopedic and prosthetic devices ....................................................................................................................................31
Durable medical equipment (DME) ..................................................................................................................................32
Home health services ........................................................................................................................................................33
Chiropractic .......................................................................................................................................................................33
Alternative treatments .......................................................................................................................................................33
Educational classes and programs.....................................................................................................................................34
Section 5 (b). Surgical and anesthesia services provided by physicians and other health care professionals ...........................35
Surgical procedures ...........................................................................................................................................................35
Reconstructive surgery ......................................................................................................................................................36
Oral and maxillofacial surgery ..........................................................................................................................................37
Organ/tissue transplants ....................................................................................................................................................38
Anesthesia .........................................................................................................................................................................41
Section 5 (c). Services provided by a hospital or other facility, and ambulance services .........................................................42
Inpatient hospital ...............................................................................................................................................................42
Outpatient hospital or ambulatory surgical center ............................................................................................................44
Extended care benefits/Skilled nursing care facility benefits ...........................................................................................44
Hospice care ......................................................................................................................................................................44
Ambulance ........................................................................................................................................................................44
Section 5 (d). Emergency services/accidents .............................................................................................................................45
Accidental injury ...............................................................................................................................................................46
Medical emergency ...........................................................................................................................................................46
Ambulance ........................................................................................................................................................................46
Section 5 (e). Mental health and substance abuse benefits .........................................................................................................47
Professional Services ........................................................................................................................................................47
Diagnostics ........................................................................................................................................................................48
Inpatient hospital or other covered facility .......................................................................................................................48
Outpatient hospital or other covered facility.....................................................................................................................48
Not covered .......................................................................................................................................................................48
2011 APWU Health Plan 22 High Option Section 5

Section 5 (f). Prescription drug benefits ....................................................................................................................................49
Covered medications and supplies ....................................................................................................................................52
Section 5 (g). Dental benefits .....................................................................................................................................................54
Accidental injury benefit ...................................................................................................................................................54
Dental benefits service ......................................................................................................................................................54
Section 5 (h). Special features....................................................................................................................................................55
Flexible benefits option .....................................................................................................................................................55
24 hour nurse line ..............................................................................................................................................................55
Services for deaf and hearing impaired.............................................................................................................................55
Wellness benefit ................................................................................................................................................................55
Disease Management Program..........................................................................................................................................55
Review and reward program .............................................................................................................................................55
Summary of benefits for the High Option of the APWU Health Plan - 2011 ...........................................................................118
2011 APWU Health Plan 23 High Option Section 5

High Option
High Option Overview

The Plan offers a High Option, described in this section. Make sure that you review the benefits that are available under the
benefit program in which you are enrolled.
The High Option Section 5, is divided into subsections. Please read Important things you should keep in mind at the
beginning of each subsection. Also read the General exclusions in Section 6. To obtain claim forms, claims filing advice, or
more information about the High Option benefits, contact us at 1-800-222-APWU (2798) or at our website at
www.apwuhp.com.
The APWU Health Plan’s High Option provides a wide range of comprehensive benefits for preventive services, doctors’
visits and services, care in a hospital, laboratory tests and procedures, accidental and emergency services, mental health and
substance abuse treatment and prescription drugs. We have extensive networks of preferred providers for both medical and
mental health services to help lower your costs, but you may use any provider you wish, in or out of our networks.
The High Option includes:
Preventive care
The Plan emphasizes prevention by providing an extensive range of preventive benefits to help members stay well. We
include an array of preventive tests and screenings, routine physical exams, and educational classes and programs to stop
smoking. To keep children well, we have 100% coverage for recommended immunizations, physical exams and laboratory
tests for children. We provide a Wellness Benefit that offers a reward for staying well. If you use little or no benefits in a
calendar year, our Wellness Benefit reimburses you so that you can tailor benefits to your individual needs.
Medical and Surgical services
The Plan provides coverage for doctors’ visits and surgical services and supplies. You pay only a flat copayment for office
visits to a network physician, including visits for chiropractic and acupuncture treatment. Mental health and substance abuse
has the same comprehensive coverage as is provided for medical care.
Hospitalization and Emergency care
We offer extensive benefits for hospital and other inpatient healthcare services. There is no deductible or per admission
charge for in-network hospital care. You also receive 100% coverage for unexpected outpatient care when you need it most
with the Plan’s Accidental Injury benefit.
Prescription drugs
Our prescription drug program offers prescription savings with no deductible and low copayments for generic drugs. The
prescription drug program is easy to use, with a huge network of pharmacies and a mail order service where medications are
delivered right to your door. The Plan’s prescription drug program provides savings and convenience for generic and brand
name drugs, and you never have to file a claim.
Special features
Obtaining help from a medical professional is quick, confidential, and free with the Plan’s voluntary Nurse Advisory Line,
available anywhere in the country. Registered nurses are available 24/7 to assist with medical concerns and to provide
healthcare information.
2011 APWU Health Plan 24 High Option Section 5 Overview

High Option
Section 5 (a). Medical services and supplies

provided by physicians and other health care professionals
Important things you should keep in mind about these benefits:
• Please remember that all benefits are subject to the definitions, limitations, and exclusions in this
brochure and are payable only when we determine they are medically necessary.
• The calendar year deductible is: PPO - $275 per person ($550 per family); Non-PPO - $500 per
person ($1,000 per family). The calendar year deductible applies to almost all benefits in this
Section. We added “(No deductible)” to show when the calendar year deductible does not apply.
• The non-PPO benefits are the standard benefits of this Plan. PPO benefits apply only when you use
a PPO provider. When no PPO provider is available, non-PPO benefits apply.
• When you use a PPO hospital, keep in mind that the professionals who provide services to you in
the hospital, such as radiologists, and pathologists, may not all be preferred providers. If they are
not, they will be paid by this Plan as non-PPO providers. However, if surgical services are rendered
at a PPO hospital or a PPO freestanding ambulatory facility by a PPO primary surgeon, we will pay
the services of anesthesiologists who are not preferred providers at the PPO rate, based on Plan
allowance.
• Be sure to read Section 4, Your costs for covered services, for valuable information about how cost
sharing works, with special sections for members who are age 65 or over. Also read Section 9 about
coordinating benefits with other coverage, including with Medicare.
• YOU MUST GET PRECERTIFICATION FOR CERTAIN OUTPATIENT IMAGING
PROCEDURES. FAILURE TO DO SO WILL RESULT IN A MINIMUM OF $100 PENALTY.
Please refer to precertification information in Section 3 to be sure which procedures require
precertification.
Benefit Description You Pay
After the calendar year deductible...
Diagnostic and treatment services
Professional services of physicians PPO: $18 copayment (No deductible)
• In physician’s office Non-PPO: 30% of the Plan allowance and any
difference between our allowance and the
billed amount
Professional services of physicians PPO: 10% of the Plan allowance
• In an urgent care center Non-PPO: 30% of the Plan allowance and any
• During a hospital stay difference between our allowance and the
• In a skilled nursing facility billed amount
• Initial examination of a newborn child covered under a family

enrollment
• Second surgical opinion
• At home
2011 APWU Health Plan 25 High Option Section 5(a)

High Option

Lab, X-ray and other diagnostic tests
Tests, such as: PPO: 10% of the Plan allowance
• Blood tests Non-PPO: 30% of the Plan allowance and any
• Urinalysis difference between our allowance and the
• Non-routine pap tests billed amount
• Pathology Note: If your PPO provider uses a non-PPO lab

• X-rays or radiologist, we will pay non-PPO benefits
for any lab and X-ray charges.
• Non-routine Mammograms
• CT Scans/MRI/MRA/NC/PET (Outpatient requires precertification –
See Section 3)
• Ultrasound
• Electrocardiogram and EEG
Not covered: Professional fees for automated lab tests All charges
Pharmacogenomic testing to optimize prescription drug therapies for PPO: Nothing (No deductible)
certain conditions:
Non-PPO: 30% of the Plan allowance and any
• Tamoxifen (for breast cancer) difference between our allowance and the
• Warfarin (anticoagulant) billed amount
Preventive care, adult
One routine examination per person every two calendar years after age PPO: Nothing (No deductible)
12. Lab tests covered are:
• Comprehensive Metabolic Panel difference between our allowance and the
• Lipid Panel billed amount
• Urinalysis
(other laboratory work, X-rays and other diagnostic tests performed

during a routine exam is subject to the benefits under Diagnostic and
treatment services)
One annual routine gynecological visit for pap test for women age 18 or PPO: $18 copayment (No deductible)
over - PPO only
Non-PPO: All Charges
Routine screenings, limited to: PPO: Nothing (No deductible)
• Total Blood Cholesterol– once annually Non-PPO: 30% of the Plan allowance and any
• Fasting lipoprotein profile, once every 5 years for adults age 20 or difference between our allowance and the
over billed amount
• Osteoporosis screening, once every two years, for women age 65 and
older
• Chlamydial infection
• Colorectal Cancer Screening, including
- Fecal occult blood test, once annually, ages 40 and older
- Sigmoidoscopy, screening – every five years starting at age 50
- Colonoscopy, once every 10 years starting at age 50
Preventive care, adult - continued on next page

High Option

Preventive care, adult (cont.)
- Double Contrast Barium Enema (DCBE), once every 5 years PPO: Nothing (No deductible)
starting at age 50
• Routine Prostate Specific Antigen (PSA) test – one annually for men difference between our allowance and the
age 40 and older billed amount
• Routine pap test (lab charge), one annually, women age 18 and older
• Abdominal Aortic Aneurysm screening, once for men between the
ages of 65 and 75 with a smoking history
Routine mammograms– covered for women age 35 and older, as PPO: Nothing (No deductible)
follows:
• From age 35 through 39, one during this five year period difference between our allowance and the
• From age 40 through 64, one every calendar year billed amount
• At age 65 and older, one every two consecutive calendar years
Adult routine immunizations endorsed by the Centers for Disease PPO: 10% of the Plan allowance
Control and Prevention (CDC)
billed amount
Not covered: All charges
• Adult immunizations not endorsed by the CDC
• Routine diagnostic tests associated with preventive care other than
those specified as covered
• Non-PPO routine examinations or gynecological visits
Preventive care, children

Childhood immunizations recommended by the American Academy of PPO: Nothing (No deductible)
Pediatrics
Non-PPO: Any difference between the Plan
allowance and the billed charge (No
deductible)
• Examinations, limited to: PPO: Nothing (No deductible)
- Well-child care charges for physical examinations and laboratory Non-PPO: Any difference between the Plan
tests through age 12 allowance and the billed charge and any
- Examination for amblyopia and strabismus-limited to one screening amount above $250 per child (ages 0 through
examination (age 2 through 6) 3) each year and any amount above $150 per
- One Screening Examination of Premature Infants for Retinopathy child (ages 4 through 12) each year (No
of Prematurity or infants with low birth weight or gestational age of deductible)
32 weeks or less

High Option

Maternity care
Complete maternity (obstetrical) care, such as: PPO: 10% of the Plan allowance.
• Prenatal care Non-PPO: 30% of the Plan allowance and any
• Delivery difference between our allowance and the
• Postnatal care billed amount
Note: Here are some things to keep in mind:

• You do not need to precertify your normal delivery; see page 12 for
other circumstances, such as extended stays for you or your baby.
• You may remain in the hospital up to 48 hours after a regular delivery
and 96 hours after a cesarean delivery. We will cover an extended
stay, if medically necessary.
• We cover routine nursery care of the newborn child during the
covered portion of the mother’s maternity stay. We will cover other
care of an infant who requires non-routine treatment if we cover the
infant under a Self and Family enrollment. Surgical benefits, not
maternity benefits, apply to circumcision of a covered newborn.
• We pay hospitalization and surgeon services for non-maternity care
the same as for illness and injury.
Not covered: Amniocentesis if for diagnosing multiple births All charges

Family Planning
A range of voluntary family planning services, limited to: PPO: 10% of the Plan allowance
• Voluntary sterilization (See Surgical procedures Section 5 (b)) Non-PPO: 30% of the Plan allowance and any
• Surgically implanted contraceptives difference between our allowance and the
• Injectable contraceptive drugs (such as Depo provera) billed amount
• Intrauterine devices (IUDs)

• Diaphragms
Note: We cover oral contraceptives under the prescription drug benefit.

• Reversal of voluntary surgical sterilization
• Genetic counseling
Infertility services
• Diagnosis and treatment of infertility, except as shown in Not PPO: 10% of the Plan allowance and any
covered. amount over $2,500
Non-PPO: 30% of the Plan allowance, any

billed amount and any amount over $2,500
• Infertility services after voluntary sterilization
• Assisted reproductive technology (ART) procedures, such as:
- artificial insemination (all procedures)
- in vitro fertilization
Infertility services - continued on next page

High Option

Infertility services (cont.)
- embryo transfer and gamete intrafallopian transfer (GIFT) All charges
- intravaginal insemination (IVI)
- intracervical insemination (ICI)
- intrauterine insemination (IUI)
• Services and supplies related to ART procedures
• Cost of donor sperm
• Cost of donor egg
Allergy care
• Testing and treatment, including materials (such as allergy serum) PPO: 10% of the Plan allowance
• Allergy injections Non-PPO: 30% of the Plan allowance and any
billed amount
• Provocative food testing
• Sublingual allergy desensitization
Treatment therapies
• Chemotherapy and radiation therapy PPO: 10% of the Plan allowance
Note: High dose chemotherapy in association with autologous bone Non-PPO: 30% of the Plan allowance and any
marrow transplants is limited to those transplants listed on page 38, 39 difference between our allowance and the
and 40. billed amount
• Dialysis – hemodialysis and peritoneal dialysis

• Intravenous (IV)/Infusion Therapy – Home IV and antibiotic therapy
• Growth hormone therapy (GHT)
Note: We only cover IV/Infusion therapy and GHT when we

preauthorize the treatment. You will be asked to submit information that
establishes medical necessity. You should ask for preauthorization before
you begin treatment. If you do not ask or if we determine that treatment
is not medically necessary, we will not cover the treatment or related
services and supplies. See Other services under How to get approval
for... in Section 3.
Note: Growth hormone and any drugs used for the administration of
Home Intravenous (IV) Infusion are covered under the prescription drug
benefit. If the drugs are obtained through Accredo Health Group,
Medco's specialty pharmacy, they will be paid at the in-network
prescription drug benefit. If they are not obtained through Accredo
Health Group, Medco's specialty pharmacy, they will be paid at the out-
of-network prescription drug benefit. (Prescription drug benefits,
Section 5(f)).
• Respiratory and inhalation therapies

High Option

Physical and occupational therapies
Physical therapy and occupational therapy provided by a licensed PPO: 10% of the Plan allowance
registered therapist up to a combined 60 visits per calendar year.
Note: Preauthorization of rehabilitative therapies is required. See Other difference between our allowance and the
services under How to get approval for... in Section 3. billed amount
Note: We only cover physical and occupational therapy to restore bodily

function when there has been a total or partial loss of bodily function
due to illness or injury and when a physician:
1. Orders the care
2. Identifies the specific professional skills the patient requires and the
medical necessity for skilled services; and
3. Indicates the length of time the services are needed

• Maintenance therapies
• Exercise programs
• Physical and occupational therapies without preauthorization
Speech therapy
Speech therapy where medically necessary and provided by a licensed PPO: 10% of the Plan allowance
therapist
Note: Preauthorization of speech therapy is required. See Other services difference between our allowance and the
under How to get approval for... in Section 3. billed amount
Note: Speech therapy is combined with 60 visits per year for the services
of physical therapy and/or occupational therapy (see above).
Note: We also have the right to deny any type of therapy, service or
supply for the treatment of a condition which ceases to be therapeutic
treatment and is instead administered to maintain a level of functioning
or to prevent a medical problem from occurring or recurring.
Hearing services (testing, treatment, and supplies)
Diagnostic hearing tests performed by an M.D., D.O. or Audiologist PPO: 10% of the Plan allowance
• One examination and testing for hearing aids every 2 years Non-PPO: 30% of the Plan allowance and any
billed amount
Hearing Aids, as shown in Orthopedic and prosthetic devices
Vision services (testing, treatment, and supplies)
• Internal (implant) ocular lenses and/or the first contact lenses required PPO: 10% of the Plan allowance
to correct an impairment caused by accident or illness. The services of
an optometrist are limited to the testing, evaluation and fitting of the Non-PPO: 30% of the Plan allowance and any
first contact lenses required to correct an impairment caused by difference between our allowance and the
accident or illness billed amount
Note: See Preventive care, children for eye exams for children
Vision services (testing, treatment, and supplies) - continued on next page

High Option

Vision services (testing, treatment, and supplies) (cont.)
• Eyeglasses or contact lenses and examinations for them
• Eye exercises and visual training
• Radial keratotomy and other refractive surgery
Foot care
Routine foot care when you are under active treatment for a metabolic or PPO: $18 copayment for the office visit (No
peripheral vascular disease, such as diabetes deductible) plus 10% of the Plan allowance for
other services performed during the visit

billed amount
• Cutting, trimming or removal of corns, calluses, or the free edge of
toenails, and similar routine treatment of conditions of the foot, except
as stated above
• Treatment of weak, strained or flat feet or bunions or spurs; and of
any instability, imbalance or subluxation of the foot (unless the
treatment is by open cutting surgery)
Orthopedic and prosthetic devices

• Artificial limbs and eyes; stump hose PPO: 10% of the Plan allowance
• Externally worn breast prostheses and surgical bras, including Non-PPO: 30% of the Plan allowance and any
necessary replacements following a mastectomy difference between our allowance and the
• Leg, arm, neck, joint and back braces billed amount
• Internal prosthetic devices, such as artificial joints, pacemakers,
cochlear implants, and surgically implanted breast implant following
mastectomy. Note: See Section 5(b) for coverage of the surgery to
insert the device.
Note: We recommend preauthorization of orthopedic and prosthetic

devices. See Other services under How to get approval for... in Section
3.
Note: We will pay only for the cost of the standard item. Coverage for
specialty items, such as bionics, is limited to the cost of the standard
item.
Hearing Aids PPO: All charges in excess of $1,500 (No
• Covered every 3 years limited to $1,500 deductible)
Non-PPO: All charges in excess of $1,500 (No

deductible)
• Orthopedic and corrective shoes
• Arch supports
• Foot orthotics
• Heel pads and heel cups
Orthopedic and prosthetic devices - continued on next page

High Option

Orthopedic and prosthetic devices (cont.)
• Lumbosacral supports All charges
• Corsets, trusses, elastic stockings, support hose, and other supportive
devices
Durable medical equipment (DME)

Durable medical equipment (DME) is equipment and supplies that: PPO: 10% of the Plan allowance
1. Are prescribed by your attending physician (i.e., the physician who is Non-PPO: 30% of the Plan allowance and any
treating your illness or injury) difference between our allowance and the
2. Are medically necessary billed amount
3. Are primarily and customarily used only for a medical purpose
4. Are generally useful only to a person with an illness or injury
5. Are designed for prolonged use; and
6. Serve a specific therapeutic purpose in the treatment of an illness or
injury
We cover rental or purchase, of durable medical equipment, at our

option, including repair and adjustment. Covered items include:
• Oxygen;
• Dialysis equipment;
• Hospital beds;
• Wheelchairs (standard and electric);
• Ostomy supplies (including supplies purchased at a pharmacy);
• Crutches; and
• Walkers
Note: Preauthorization of durable medical equipment is required. See

Other services under How to get approval for... in Section 3.
specialty equipment, such as all-terrain wheelchairs, is limited to the
cost of the standard equipment.
• Whirlpool equipment
• Sun and heat lamps
• Light boxes
• Heating pads
• Exercise devices
• Stair glides
• Elevators
• Air Purifiers
• Computer “story boards,” “light talkers,” or other communication aids
for communication-impaired individuals

High Option

Home health services
Services for skilled nursing care up to 25 visits per calendar year, not to PPO: 10%; all charges after we pay $90 per
exceed a maximum Plan payment of $90 per day, when preauthorized day
and:
Non-PPO: 30%; all charges after we pay $90
• A registered nurse (R.N.), licensed practical nurse (L.P.N.) or licensed per day
vocational nurse (L.V.N.) provides the services
• The attending physician orders the care
• The physician identifies the specific professional skills required by
the patient and the medical necessity for skilled services; and
• The physician indicates the length of time the services are needed
Note: Skilled nursing care must be preauthorized. See Other services

under How to get approval for... in Section 3.
• Nursing care requested by, or for the convenience of, the patient or the
patient’s family
• Home care primarily for personal assistance that does not include a
medical component and is not diagnostic, therapeutic, or rehabilitative
• Nursing services without preauthorization
• Services of nurses aides or home health aides
Chiropractic
Chiropractic treatment limited to 12 visits and/or manipulations per year PPO: $18 copayment (No deductible)
Note: X-rays covered under Diagnostic and treatment services Non-PPO: 30% of the Plan allowance and any
Note: Massage therapy not covered billed amount
Alternative treatments
Acupuncture – by a doctor of medicine or osteopathy PPO: $18 copayment (No deductible)

billed amount
• Services of any provider not listed as covered; see Covered providers
on page 10
Note: Benefits of certain alternative treatment providers may be covered

in medically underserved areas; see page 10.

High Option

Educational classes and programs
If you are an APWU Health Plan member you may enroll in a Smoking PPO: Nothing (No deductible)
Cessation Program up to two quit attempts per year as follows:
• 4 Telephonic counseling sessions with CIGNA/CareAllies or;
• 4 Group therapy sessions or;
• 4 Educational sessions with a physician
Note: Enrollment in the CIGNA/CareAllies program must be initiated

by member after effective date of Health Plan enrollment. For more
information contact CIGNA/CareAllies at 1-800-582-1314.
Prescription drugs (through Medco by Mail only) approved by the FDA PPO: Nothing (No deductible)
to treat tobacco dependence for smoking cessation.
Over-the-counter drugs (through CIGNA/CareAllies only) approved by
the FDA to treat tobacco dependence for smoking cessation.

High Option
Section 5 (b). Surgical and anesthesia services

provided by physicians and other health care professionals
allowance.
• Be sure to read Section 4, Your costs for covered services, for valuable information about how cost-
• The amounts listed below are for the charges billed by a physician or other health care professional
for your surgical care. Look in Section 5(c) for charges associated with the facility (i.e. hospital,
surgical center, etc.).
• YOU MUST GET PRECERTIFICATION FOR SOME SURGICAL PROCEDURES. Please
refer to the precertification information shown in Section 3 to be sure which services require
precertification.
Precertification/preauthorization is required for:

• Organ transplantations
• Procedures which might be cosmetic in nature, such as eyelid surgery or varicose vein surgery
• Surgery for morbid obesity, or
• Surgery for organic impotence
After the calendar year deductible…
Note: The calendar year deductible applies to almost all benefits in this Section. We say “(No deductible)” when it
does not apply.
Surgical procedures
A comprehensive range of services, such as: PPO: 10% of the Plan allowance
• Operative procedures Non-PPO: 30% of the Plan allowance and any
• Treatment of fractures, including casting difference between our allowance and the
• Normal pre- and post-operative care by the surgeon billed amount
• Correction of amblyopia and strabismus

• Endoscopy procedures
• Biopsy procedures
• Electroconvulsive therapy
• Removal of tumors and cysts
Surgical procedures - continued on next page

2011 APWU Health Plan 35 High Option Section 5(b)
High Option

Surgical procedures (cont.)
• Correction of congenital anomalies (see Reconstructive surgery) PPO: 10% of the Plan allowance
• Surgical treatment of morbid obesity (bariatric surgery) (requires Non-PPO: 30% of the Plan allowance and any
preauthorization. See Other services under How to get approval for... difference between our allowance and the
in Section 3) billed amount
• Insertion of internal prosthetic devices. See Section 5 (a) for
orthopedic and prosthetic devices for device coverage information
• Voluntary sterilization (e.g., Tubal ligation, Vasectomy)
• Surgically implanted contraceptives
• Treatment of burns
• Assistant surgeons - We cover up to 20% of our allowance for the
surgeon’s charge
When multiple or bilateral surgical procedures performed during the PPO: 10% of the Plan allowance for the
same operative session add time or complexity to patient care, our primary procedure and 10% of one-half of the
benefits are: Plan allowance for the secondary procedure(s)
• For the primary procedure: Non-PPO: 30% of the Plan allowance for the
- PPO: 90% of the Plan allowance or primary procedure and 30% of one-half of the
- Non-PPO: 70% of the Plan allowance Plan allowance for the secondary procedure(s);
and any difference between our payment and
• For the secondary procedure(s): the billed amount
- PPO: 90% of one-half of the Plan allowance or
- Non-PPO: 70% of one-half of the Plan allowance
Note: Multiple or bilateral surgical procedures performed through the

same incision are “incidental” to the primary surgery. That is, the
procedure would not add time or complexity to patient care. We do not
pay extra for incidental procedures.
• Cosmetic surgery and other related expenses if not preauthorized
• Reversal of voluntary sterilization
• Services of a standby surgeon, except during angioplasty or other high
risk procedures when we determine standbys are medically necessary
Reconstructive surgery
• Surgery to correct a functional defect PPO: 10% of the Plan allowance
• Surgery to correct a condition caused by injury or illness if: Non-PPO: 30% of the Plan allowance and any
- The condition produced a major effect on the member’s appearance difference between our allowance and the
and billed amount
- The condition can reasonably be expected to be corrected by such
surgery
Reconstructive surgery - continued on next page

High Option

Reconstructive surgery (cont.)
• Surgery to correct a condition that existed at or from birth and is a PPO: 10% of the Plan allowance
significant deviation from the common form or norm. Examples of
congenital anomalies are: protruding ear deformities; cleft lip; cleft Non-PPO: 30% of the Plan allowance and any
palate; birth marks (including port wine stains); and webbed fingers difference between our allowance and the
and toes. billed amount
• All stages of breast reconstruction surgery following a mastectomy,

such as:
- Surgery to produce a symmetrical appearance of breasts
- Treatment of any physical complications, such as lymphedema
- Breast prostheses; and surgical bras and replacements (see
Prosthetic devices for coverage)
Note: We pay for internal breast prostheses as hospital benefits.
Note: If you need a mastectomy, you may choose to have the procedure
performed on an inpatient basis and remain in the hospital up to 48
hours after the procedure.
• Cosmetic surgery – any surgical procedure (or any portion of a
procedure) performed primarily to improve physical appearance
through change in bodily form, except repair of accidental injury if
repair is initiated within two years of the accident
• Surgeries related to sex transformation, sexual dysfunction or sexual
inadequacy except if preauthorized for organic impotence
Oral and maxillofacial surgery

Oral surgical procedures, limited to: PPO: 10% of the Plan allowance
• Reduction of fractures of the jaws or facial bones Non-PPO: 30% of the Plan allowance and any
• Surgical correction of cleft lip, cleft palate or severe functional difference between our allowance and the
malocclusion billed amount
• Removal of stones from salivary ducts
• Excision of leukoplakia or malignancies
• Excision of cysts and incision of abscesses when done as independent
procedures
• Other surgical procedures that do not involve the teeth or their
supporting structures
• Extraction of impacted (unerupted) teeth
• Alveoplasty, partial ostectomy and radical resection of mandible with
bone graft unrelated to tooth structure
• Excision of bony cysts of the jaw unrelated to tooth structure
• Excision of tori, tumors, and premalignant lesions, and biopsy of hard
and soft oral tissues
• Reduction of dislocations and excision, manipulation, arthrocentesis,
aspiration or injection of temporomandibular joints
Oral and maxillofacial surgery - continued on next page

High Option

Oral and maxillofacial surgery (cont.)
• Removal of foreign body, skin, subcutaneous alveolar tissue, reaction- PPO: 10% of the Plan allowance
producing foreign bodies in the musculoskeletal system and salivary
stones Non-PPO: 30% of the Plan allowance and any
• Incision/excision of salivary glands and ducts billed amount
• Repair of traumatic wounds
• Sinusotomy, including repair of oroantral and oromaxillary fistula
and/or root recovery
• Surgical treatment of trigeminal neuralgia
• Frenectomy or frenotomy, skin graft or vestibuloplasty-stomatoplasty
unrelated to periodontal disease
• Incision and drainage of cellulitis unrelated to tooth structure
Note: We suggest you call us at 1-800-222-APWU (2798) to determine

whether a procedure is covered.
• Oral implants and transplants
• Procedures that involve the teeth or their supporting structures (such
as the periodontal membrane, gingiva and alveolar bone)
• Dental bridges, replacement of natural teeth, dental/orthodontic/
temporomandibular joint dysfunction appliances and any related
expenses
• Treatment of periodontal disease and gingival tissues, and abscesses
• Charges related to orthodontic treatment
Organ/tissue transplants
These solid organ transplants are subject to medical necessity and PPO: 10% of the Plan allowance
experimental/investigational review by the Plan. Refer to Other services
in Section 3 for prior authorization procedures. Non-PPO: 30% of the Plan allowance and any
Solid organ transplants are limited to: billed amount and any amount over $50,000 for
• Cornea kidney transplants or $100,000 for other listed
transplants
• Heart
• Heart/lung
• Intestinal transplants
- Small intestine
- Small intestine with the liver
- Small intestine with multiple organs, such as the liver, stomach, and
pancreas
• Kidney
• Liver
• Lung single/bilateral/lobar
• Pancreas
• Autologous pancreas islet cell transplant (as an adjunct to total or near
total pancreatectomy) only for patients with chronic pancreatitis
Organ/tissue transplants - continued on next page

High Option

Organ/tissue transplants (cont.)
These tandem blood or marrow stem cell transplants for covered PPO: 10% of the Plan allowance
transplants are subject to medical necessity review by the Plan. Refer
to Other services in Section 3 for prior authorization procedures. Non-PPO: 30% of the Plan allowance and any
• Autologous tandem transplants for billed amount and any amount over $50,000 for
- AL Amyloidosis kidney transplants or $100,000 for other listed
- Multiple myeloma (de novo and treated) transplants
- Recurrent germ cell tumors (including testicular cancer)
Blood or marrow stem cell transplants limited to the following PPO: 10% of the Plan allowance
diagnoses.
• Allogeneic transplants for difference between our allowance and the
- Acute lymphocytic or non-lymphocytic (i.e., myelogenous) billed amount and any amount over $50,000 for
leukemia kidney transplants or $100,000 for other listed
- Advanced Hodgkin's lymphoma with reoccurrence (relapsed) transplants
- Advanced non-Hodgkin’s lymphoma with reoccurrence (relapsed)

- Advanced Myeloproliferative Disorders (MPDs)
- Amyloidosis
- Chronic lymphocytic leukemia/small lymphocytic lymphoma
(CLL/SLL)
- Hemoglobinopathy
- Marrow failure and related disorders (i.e., Fanconi's PNH, Pure Red
Cell Aplasia)
- Myelodysplasia/Myelodysplastic syndromes
- Paroxysmal Nocturnal Hemoglobinuria
- Phagocytic/Hemophagocytic deficiency diseases (e.g., Wiskott-
Aldrich syndrome)
- Severe combined immunodeficiency
- Severe or very severe aplastic anemia
• Autologous transplants for
- Acute lymphocytic or nonlymphocytic (i.e., myelogenous)
leukemia
- Advanced Hodgkin's lymphoma with reoccurrence (relapsed)
- Amyloidosis
- Breast Cancer
- Epithelial ovarian cancer
- Multiple myeloma
- Neuroblastoma
- Testicular, Mediastinal, Retroperitoneal, and ovarian germ cell
tumors
Mini-transplants (non-myeloablative, reduced intensity conditioning or PPO: 10% of the Plan allowance
RIC) are subject to medical necessity review by the Plan.

High Option

billed amount and any amount over $50,000 for
kidney transplants or $100,000 for other listed
transplants
Blood or marrow stem cell transplants are covered only in a National PPO: 10% of the Plan allowance
Cancer Institute or National Institutes of health approved clinical trial
or a Plan-designated center of excellence and if approved by the Plan's Non-PPO: 30% of the Plan allowance and any
medical director in accordance with the Plan's protocols. difference between our allowance and the
billed amount and any amount over $50,000 for
If you are a participant in a clinical trial, the Plan will provide benefits kidney transplants or $100,000 for other listed
for related routine care that is medically necessary (such as doctor visits, transplants
lab tests, X-rays and scans, and hospitalization related to treating the
patient's condition) if it is not provided by the clinical trial. Section 9
has additional information on costs related to clinical trials. We
encourage you to contact the Plan to discuss specific services if you
participate in a clinical trial.
Transplant Network PPO: 10% of the Plan allowance
The Plan uses specific Plan-designated organ/tissue transplant facilities. Non-PPO: 30% of the Plan allowance and any
Before your initial evaluation as a potential candidate for a transplant difference between our allowance and the
procedure, you or your doctor must contact the precertification vendor billed amount and any amount over $50,000 for
for your state as shown on page 11 (see Other services under How to get kidney transplants or $100,000 for other listed
approval for... in Section 3); CIGNA at 1-800-668-9682; and ask to transplants
speak to a Transplant Case Manager. You will be provided with
information about transplant preferred providers. If you choose a Plan-
designated transplant facility, you may receive prior approval for travel
and lodging costs.
Limited Benefits – If you don’t use a Plan-designated transplant facility,

benefits for pretransplant evaluation, organ procurement, inpatient
hospital, surgical and medical expenses for covered transplants, whether
incurred by the recipient or donor, are limited to a maximum of $50,000
for kidney transplants or $100,000 for each other listed transplant,
including multiple organ transplants.
Note: We cover related medical and hospital expenses of the donor
when we cover the recipient.
• Donor screening tests and donor search expenses, except as shown
above
• Transplants not listed as covered

High Option

Anesthesia
Professional services for administration of anesthesia PPO: 10% of the Plan allowance
Note: If surgical services are rendered at a PPO hospital or a PPO Non-PPO: 30% of the Plan allowance and any
freestanding ambulatory facility by a PPO primary surgeon, we will pay difference between our allowance and the
the services of non-PPO anesthesiologists at the PPO rate, based on Plan billed amount
allowance.

High Option
Section 5 (c). Services provided by a hospital or other facility, and ambulance

services
• In this Section, unlike Sections 5(a) and 5(b), the calendar year deductible applies to only a few
benefits. We added “(calendar year deductible applies).” The calendar year deductible is: PPO -
$275 per person ($550 per family); Non-PPO - $500 per person ($1,000 per family).
allowance.
• The amounts listed below are for the charges billed by the facility (i.e. hospital or surgical center) or
ambulance service for your surgery or care. Any costs associated with the professional charge (i.e.
physicians, etc.) are in Sections 5(a) or (b).
• YOU MUST GET PRECERTIFICATION FOR HOSPITAL STAYS; FAILURE TO DO SO
WILL RESULT IN A MINIMUM $500 PENALTY. Please refer to the precertification
information shown in Section 3 to be sure which services require precertification.
Note: The calendar year deductible applies ONLY when we say below: “(calendar year deductible applies).”
Inpatient hospital
Room and board, such as: PPO: 10% of the covered charges
• Ward, semiprivate, or intensive care accommodations Non-PPO: $300 per admission and 30% of the
• General nursing care covered charges
• Meals and special diets
Note: We only cover a private room when you must be isolated to

prevent contagion. Otherwise, we will pay the hospital’s average charge
for semiprivate accommodations. If the hospital only has private rooms,
we will consider a semiprivate equivalent allowance of up to 90% of the
private room charge.
Note: When the non-PPO hospital bills a flat rate, we prorate the charges
to determine how to pay them, as follows: 30% room and board and
70% other charges.
Note: If you use a PPO provider and a PPO facility, we may still pay
non-PPO benefits if you receive treatment from a radiologist or
pathologist who is not a PPO provider.
Other hospital services and supplies, such as: PPO: 10% of the covered charges
Inpatient hospital - continued on next page

2011 APWU Health Plan 42 High Option Section 5(c)
High Option

Inpatient hospital (cont.)
• Operating, recovery, maternity, and other treatment rooms PPO: 10% of the covered charges
• Prescribed drugs and medicines Non-PPO: $300 per admission and 30% of the
• Diagnostic laboratory tests and X-rays covered charges
• Blood or blood plasma, if not donated or replaced
• Dressings, splints, casts, and sterile tray services
• Medical supplies and equipment, including oxygen
• Anesthetics, including nurse anesthetist services
Note: We cover appliances, medical equipment and medical supplies

provided for take-home use under Section 5(a). We cover prescription
drugs and medicines dispensed for take-home use under Section 5(f).
Note: We base payment on whether the facility or a health care
professional bills for the services or supplies. For example, when the
hospital bills for its nurse anesthetists’ services, we pay Hospital benefits
and when the anesthesiologist bills, we pay Surgery benefits.
• Any part of a hospital admission that is not medically necessary (see
definition), such as when you do not need acute hospital inpatient
(overnight) care, but could receive care in some other setting without
adversely affecting your condition or the quality of your medical care.
Note: In this event, we pay benefits for services and supplies other
than room and board and in-hospital physician care at the level they
would have been covered if provided in an alternative setting
• Custodial care; see definition
• Non-covered facilities, such as nursing homes, skilled nursing
facilities, residential treatment facilities, day and evening care centers,
and schools
• Personal comfort items such as radio, television, air conditioners,
beauty and barber services, guest meals and beds
• Services of a private duty nurse that would normally be provided by
hospital nursing staff
Cancer Centers of Excellence
The Plan provides access to designated Cancer Centers of Excellence. PPO Cancer Centers of Excellence (COE): 5%
For information, you must contact CIGNA/CareAllies at of the Plan allowance
1-800-582-1314 prior to obtaining covered services. To receive the
higher level of benefits for a cancer related treatment, you are required PPO: 10% of the covered charges
to visit a designated facility. Non-PPO: $300 per admission and 30% of the
When you contact CIGNA/CareAllies, you will be provided with covered charges
information about the Cancer Centers of Excellence.

High Option

Outpatient hospital or ambulatory surgical center
• Operating, recovery, and other treatment rooms PPO: 10% of the Plan allowance (calendar year
• Prescribed drugs and medicines deductible applies)
• Diagnostic laboratory tests, X-rays, and pathology services Non-PPO: 30% of the Plan allowance and any
• Administration of blood, blood plasma, and other biologicals difference between our allowance and the
billed amount (calendar year deductible
• Blood and blood plasma, if not donated or replaced applies)
• Pre-surgical testing
• Dressings, casts, and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia service
Note: We cover hospital services and supplies related to dental

procedures when necessitated by an underlying medical condition. We
do not cover the dental procedures.
Note: We cover outpatient services and supplies of a hospital or free-

standing ambulatory facility the day of a surgical procedure (including
change of cast), hemophilia treatment, hyperalimentation, rabies shots,
cast or suture removal, oral surgery, foot treatment, chemotherapy for
treatment of cancer, and radiation therapy.
Extended care benefits/Skilled nursing care facility
benefits
No benefit All charges
Hospice care
Hospice is a coordinated program of home and inpatient supportive care Any amount over the annual maximums shown
for the terminally ill patient and the patient’s family provided by a
medically supervised specialized team under the direction of a duly
licensed or certified Hospice Care Program.
• We pay $3,000 annually for outpatient services and $2,000 annually
for inpatient services
• We pay a $200 annual bereavement benefit per family unit
Ambulance
• Local professional ambulance service when medically appropriate PPO: 10% of the Plan allowance
immediately before or after an inpatient admission
billed amount
• Ambulance service used for routine transport

High Option
Section 5 (d). Emergency services/accidents

Important things to keep in mind about these benefits:
allowance.
• When you use a PPO hospital for emergency servcies, the emergency room physician who provides
the services to you in the emergency room may not be a preferred provider. If they are not, they will
be paid by this Plan as a PPO provider at the PPO rate, based on the Plan allowance.
What is an accidental injury?
An accidental injury is a bodily injury sustained solely through violent, external, and accidental means, such as broken bones,
animal bites, and poisonings.
What is a medical emergency?
A medical emergency is the sudden and unexpected onset of a condition or an injury that you believe endangers your life or
could result in serious injury or disability, and requires immediate medical or surgical care. Some problems are emergencies
because, if not treated promptly, they might become more serious; examples include deep cuts and broken bones. Others are
emergencies because they are potentially life-threatening, such as heart attacks, strokes, poisonings, gunshot wounds, or
sudden inability to breathe. There are many other acute conditions that we may determine are medical emergencies – what
they all have in common is the need for quick action. If you are unsure of the severity of a condition in terms of this benefit,
the Plan recommends that you first call its 24-hour nurse advisory service 1-800-582-1314 or your physician.
Note: If you use an emergency room for other than a recognized medical emergency, facility fees and supplies will not be
covered.
2011 APWU Health Plan 45 High Option Section 5(d)

High Option
Benefit Description You pay

Note: The calendar year deductible applies to almost all benefits in this Section. We say "(No deductible)" when it
does not apply.
Accidental injury
If you receive care for your accidental injury within 24 hours, we cover: PPO: Nothing (No deductible)
• Physician services and supplies Non-PPO: Only the difference between our
• Related outpatient hospital services allowance and the billed amount (No
• Professional ambulance service deductible)
• Air ambulance if medically necessary for transport to the closest

appropriate facility for treatment
Note: We pay Hospital benefits if you are admitted.

If you receive care for your accidental injury after 24 hours, we cover: PPO: $18 copayment (No deductible)
• Physician services and supplies Non-PPO: 30% of the Plan allowance and any
Note: We pay Hospital benefits if you are admitted. billed amount
Medical emergency
Outpatient facility charges in an Urgent Care Center PPO: $40 copayment (No deductible)

billed amount
Outpatient medical or surgical services and supplies, other than an PPO: 10% of the Plan allowance
Urgent Care Center
billed amount
Ambulance
• Professional ambulance service within 24 hours of a medical PPO: 10% of the Plan allowance
emergency
• Air ambulance if medically necessary for transport to the closest difference between our allowance and the
appropriate facility for treatment within 24 hours of a medical billed amount
emergency
Note: See Section 5(c) for non-emergency service.
2011 APWU Health Plan 46 High Option Section 5(d)

High Option
Section 5 (e). Mental health and substance abuse benefits

You may choose to get care in-network or out-of-network. You need to get Plan approval
(preauthorization) for services and follow a treatment plan we approve in order to get benefits. When
you receive services as part of an approved treatment plan, cost-sharing and limitations for Plan mental
health and substance abuse benefits are no greater than for similar benefits for other illnesses and
conditions.
• The calendar year deductible or, for facility care, the inpatient deductible applies to almost all
benefits in this Section. We added "(No deductible)" to show when a deductible does not apply.
sharing works. Also read Section 9 about coordinating benefits with other coverage, including with
Medicare.
• YOU MUST GET PREAUTHORIZATION FOR THESE SERVICES. Benefits are payable
only when we determine the care is clinically appropriate to treat your condition and only when you
receive the care as part of a treatment plan that we approve. The treatment plan may include
services, drugs, and supplies described elsewhere in this brochure. To be eligible to receive full
benefits, you must follow the preauthorization process and get Plan approval of your treatment plan.
• We do not make available provider directories for mental health or substance abuse providers.
ValueOptions will provide you with a choice of network providers when you call to preauthorize
your care.
Note: The calendar year deductible applies to almost all benefits in this Section. We say “(No deductible)” when it
does not apply.
Professional Services
We cover professional services by licensed professional mental Your cost-sharing responsibilities are no greater than
health and substance abuse practitioners when acting within the for other illnesses or conditions.
scope of their license, such as psychiatrists, psychologists, clinical
social workers, licensed professional counselors, or marriage and PPO: $18
family therapists. Non-PPO: 30% of the Plan allowance and any
• In Physician's office difference between our allowance and the billed
• Professional charges for intensive outpatient treatment in a charges.
provider's office or other professional setting
Diagnosis and treatment of psychiatric conditions, mental illness, PPO: 10% of the Plan allowance
or mental disorders inpatient professional services. Services
include: Non-PPO: 30% of the Plan allowance and any
difference between our allowance and the billed
• Diagnostic evaluation charges
• Crisis intervention and stabilization for acute episodes
• Medication evaluation and management (pharmacotherapy)
• Psychological and neuropsychological testing necessary to
determine the appropriate psychiatric treatment
• Treatment and counseling (including individual or group
therapy visits)
Professional Services - continued on next page
2011 APWU Health Plan 47 High Option Section 5(e)

High Option

Professional Services (cont.)
• Diagnosis and treatment of alcoholism and drug abuse, PPO: 10% of the Plan allowance
including detoxification, treatment and counseling
• Electroconvulsive therapy difference between our allowance and the billed
charges
Diagnostics
• Outpatient diagnostic tests provided and billed by a licensed PPO: 10% of the Plan allowance
mental health and substance abuse practitioner
• Outpatient diagnostic tests provided and billed by a laboratory, difference between our allowance and the billed
hospital or other covered facility charges
Inpatient hospital or other covered facility
Inpatient services provided and billed by a hospital or other PPO: 10% of the Plan allowance
covered facility
Non-PPO: After $300 per admission, 30% of our
• Room and board, such as semiprivate or intensive allowance and any difference between our allowance
accommodations, general nursing care, meals and special diets, and the billed charges
and other hospital services.
• Inpatient diagnostic tests provided and billed by a hospital or
other covered facility.
Outpatient hospital or other covered facility
Outpatient services provided and billed by a hospital or other PPO: 10% of the Plan allowance
covered facility
• Services such as partial hospitalization, full-day hospitalization, difference between our allowance and the billed
or facility-based intensive outpatient treatment charges
Not covered
• Services that are not part of a preauthorized approved treatment All charges
plan
• Services that are not medically necessary
See these sections of the brochure for more valuable information about these benefits:
• Section 4, Your costs for covered services, for information about catastrophic protection for these benefits.
• Section 7, Filing a claim for covered services, for information about submitting out-of-network claims.
2011 APWU Health Plan 48 High Option Section 5(e)

High Option
Section 5 (f). Prescription drug benefits

Important things to keep in mind about these benefits:
• We cover prescribed drugs and medications, as described in the chart on the next page.
• The calendar year deductible does not apply to prescription drug benefits.
• Prior authorization is required for certain drugs and must be renewed periodically. Prior
authorization uses Plan rules based on FDA-approved prescribing and safety information, clinical
guidelines and uses that are considered reasonable, safe and effective. See the coverage
authorization information shown in Section 3, page 14 and pages 50-51 for more information about
this program.
There are important features you should be aware of. These include:
• Who can write your prescription. Any covered provider licensed to prescribe drugs may write your prescription.
• Where can you obtain them. You can fill the prescription at a Medco Health network pharmacy, a non-network
pharmacy, or by mail. We pay our highest level of benefits for mail order and you should use the mail order program to
obtain your maintenance medications.
• We use a formulary. Our formulary is open and voluntary. A formulary is a list of medications we have selected based on
their clinical effectiveness and lower cost. By asking your doctor to prescribe formulary medications, you can help reduce
your costs while maintaining high-quality care. Use of a formulary drug is voluntary; there is no financial penalty if your
physician does not prescribe a formulary drug.
Brand/Generic Drugs
• Why use generic drugs? A generic drug is a chemical equivalent of a corresponding name brand drug. The US Food and
Drug Administration sets quality standards for generic drugs to ensure that these drugs meet the same standards of quality
and strength as brand name drugs. Generic drugs are less expensive than brand drugs, therefore, you may reduce your out-
of-pocket-expenses by choosing to use a generic drug.
• A generic equivalent will be dispensed if it is available, unless your physician specifically requires a name brand. If you
receive a name brand drug when a Federally-approved generic drug is available, and your physician has not received a
preauthorization, you have to pay the difference in cost between the name brand drug and the generic, in addition to your
coinsurance. However, if your doctor obtains preauthorization because it is medically necessary that a brand name drug be
dispensed, you will not be required to pay this cost difference. Your doctor may seek preauthorization by calling
1-800-753-2851.
• The Plan may have certain coverage limitations to ensure clinical appropriateness. For example, prescription drugs used
for cosmetic purposes may not be covered, a medication might be limited to a certain amount (such as the number of pills
or total dosage) within a specific time period, or require authorization to confirm clinical use based on FDA labeling. In
these cases, you or your physician can begin the coverage review process by calling Medco Health Customer Service at
1-800-841-2734.
2011 APWU Health Plan 49 High Option Section 5(f)

High Option
These are the dispensing limitations.

• The Medco Health Retail Network – you may obtain up to a 30-day supply plus one 30-day refill for each prescription
purchased from a Medco Health network pharmacy. After one 30-day refill, you must obtain a new prescription and submit
it to the mail order program. If you do not, we will pay the non-network pharmacy benefit level. To receive maximum
savings you must present your card at the time of each purchase, and your enrollment information must be current and
correct. In most cases, you simply present the card together with the prescription to the pharmacist. Refills cannot be
obtained until 75% of the drug has been used.
• Exceptions for special circumstances – The Plan will authorize up to a 90-day supply at a network pharmacy for covered
persons called to active military service. Also, the Plan will authorize an extra 30-day supply, either at network retail or
Home Delivery, for civilian Government employees who are relocated for assignment in the event of a national
emergency. Authorization may be obtained from Medco Health at 1-800-841-2734 or from the Plan at 1-800-222-APWU
(2798).
• Non-network pharmacy – if you do not use your identification card, if you elect to use a non-network pharmacy, or if a
Medco Health network pharmacy is not available, you will need to file a claim and we will pay at the non-network retail
pharmacy benefit level.
• Mail order – through this program, you may receive up to a 90-day supply of maintenance medications for drugs which
require a prescription, diabetic supplies and insulin, syringes and needles for covered injectable medications, and oral
contraceptives. Some medications may not be available in a 90-day supply from Medco by Mail even though the
prescription is for 90 days.
• Refills for maintenance medications are not considered new prescriptions except when the doctor changes the strength or
180 days has elapsed since the previous purchase. Refill orders submitted too early after the last one was filled are held
until the right amount of time has passed. As part of the administration of the prescription drug program, we reserve the
right to maximize your quality of care as it relates to the utilization of pharmacies.
• You may fill your prescription at any pharmacy participating in the Medco Health system. For the names of participating
pharmacies, call 1-800-841-2734.
Certain controlled substances and several other prescribed medications may be subject to other dispensing limitations, such
as quantities dispensed, and to the judgment of the pharmacist.
Personalized Medicine (voluntary program)

The Personalized Medicine Program combines a Pharmacogenomic test (genetic lab test) with a clinical program to optimize
prescription drug therapies for patients taking Warfarin (anticoagulant) and Tamoxifen (for breast cancer). This program
focuses on giving physicians information, on an individual level, on patients who have already been diagnosed with a disease
or condition.
The benefits of this testing, done with a simple cheek swab are:
- Greater patient safety and efficacy through more precise dosing for Warfarin and correct therapy decisions for
Tamoxifen
- Elimination of adverse events since the patient will be taking the right dose of Warfarin from the early onset of therapy
Pharmacogenomic testing gives physicians personalized information they can use to make more precise prescribing and
dosing decisions to help their patients receive the critical care they need. The Personalized Medicine Program is available to
you at no additional cost. If your medication history indicates that the testing could be beneficial for you, a pharmacist will
contact your physician to discuss the program. If your doctor agrees that the test results would be helpful, you will be
contacted by a pharmacist to let you know that the testing is available. If you agree to participate, you will receive a cheek
swab test that you can administer on your own.
The results of your test will be sent to your doctor and to a Medco pharmacist who has received special training in
personalized medicine. The pharmacist is available to help your doctor interpret the results of your test. Your participation is
voluntary, and your doctor is still solely responsible for deciding which drug and dose is right for you.

High Option
Coverage Authorization
• The information below describes a feature of your prescription drug plan known as coverage authorization. Coverage
authorization determines how your prescription drug plan will cover certain medications.
Some medications are not covered unless you receive approval through a coverage review (prior authorization). Examples of
drug categories that require a coverage review include but are not limited to, Growth Hormones, Botox, Interferons,
Rheumatoid Arthritis agents, Retin A and drugs for organic impotence. This review uses plan rules based on FDA-approved
prescribing and safety information, clinical guidelines and uses that are considered reasonable, safe and effective. There are
other medications that may be covered with limits (for example, only for a certain amount or for certain uses) unless you
receive approval through a review. During this review, Medco asks your doctor for more information than what is on the
prescription before the medication may be covered under your plan. If coverage is approved, you simply pay your normal
copayment for the medication. If coverage is not approved, you will be responsible for the full cost of the medication.
The Plan will participate in other approved managed care programs to ensure patient safety and appropriate therapy in
accordance with the Plan rules based on FDA-guidelines referenced above.
To find out more about your prescription drug plan, please visit Medco online at www.medco.com or call Medco Member
Services at 1-800-841-2734.
• “Specialty Drugs” means those covered drugs that are typically high in cost and have one or more of the following
characteristics: (1) complex therapy for complex disease (2) specialized patient training and coordination of care required
prior to therapy initiation and/or during therapy; (3) unique patient compliance and safety monitoring requirements; (4)
unique requirements for handling, shipping and storage; and (5) potential for significant waste due to the high cost of the
drug.
Exceptions to the price threshold may exist based on certain characteristics of the drug or therapy which will still require the
drug to be classified as a Specialty Drug. Some examples of the disease categories currently in Medco’s specialty pharmacy
programs include cancer, cystic fibrosis, Gaucher disease, growth hormone deficiency hemophilia, immune deficiency,
Hepatitis C, infertility, multiple sclerosis, rheumatoid arthritis and RSV prophylaxis.
In addition, a follow-on-biologic or generic product will be considered a Specialty Drug if the innovator drug is a Specialty
Drug.
Many of the Specialty Drugs covered by the Plan fall under the Coverage Authorization program mentioned above.
For Medicare Part B insurance coverage. If Medicare Part B is primary, ask about your options for submitting claims for
medicare-covered medications and supplies, whether you use a Medicare-approved supplier or Medco By Mail.
Prescriptions typically covered by Medicare Part B include diabetes supplies (test strips and meters), specific medications
used to aid tissue acceptance (such as with organ transplants), certain oral medications used to treat cancer, and ostomy
supplies.
• When you do have to file a claim. Use a Prescription Drug Claim Form to claim benefits for prescription drugs and
supplies purchased from a non-network pharmacy. You may obtain forms by calling 1-800-222-APWU (2798) or from our
Web site at www.apwuhp.com. Your claim must include receipts that show the prescription number, the National Drug
Code (NDC) number, name of the drug, prescribing physician’s name, date of purchase and charge for the drug. Mail the
claim form and receipt(s) to:
APWU Health Plan

P.O. Box 1358
Glen Burnie, MD 21060-1358

High Option

Note: The calendar year deductible does not apply to this section.
Covered medications and supplies
Each new enrollee will receive a description of our prescription drug • Network Retail: $8 generic. 25% brand
program, a combined prescription drug/Plan identification card, a mail name with an $8 minimum coinsurance up to
order form/patient profile and a pre-addressed reply envelope. a maximum of $200 coinsurance per
prescription for a 30 day supply
You may purchase the following medications and supplies prescribed by
a physician from either a pharmacy or by mail: • Network Retail Medicare: $8 generic. 25%
brand name with an $8 minimum
• Drugs and medicines, including those for smoking cessation, for use coinsurance up to a maximum of $200
at home that are obtainable only upon a doctor’s prescription and coinsurance per prescription for a 30 day
listed in official formularies supply
• Drugs and medicines (including those administered during a non- • Non-network Retail: 50% of cost with an $8
covered admission or in a non-covered facility) that by Federal law of minimum coinsurance for a 30 day supply
the United States requires a physician’s prescription for their
purchase, except those listed as Not covered • Non-network Retail Medicare: 50% of cost
with an $8 minimum coinsurance for a 30
• Insulin and test strips for known diabetics day supply
• Needles and syringes for the administration of covered medications • Network Mail Order: $15 generic. 25%
• Full range of FDA-approved drugs, prescriptions, and devices for brand name with a $12 minimum
birth control coinsurance up to a maximum of $600
• Approved drugs for organic impotence such as Viagra and Levitra are coinsurance per prescription for a 90 day
subject to Coverage Authorization as described in Section 3, page 14 supply
and Section 5(f), page 51. • Network Mail Order Medicare: $15 generic.
• Drugs that could be used for cosmetic purposes such as: Retin A or 25% brand name with a $12 minimum
Botox coinsurance up to a maximum of $600
coinsurance per prescription for a 90 day
Note: Copay maximum does not apply to out-of-network retail drugs or supply
to brand name drugs where there is a generic available.
Note: If you choose a brand name drug when a generic is available and
the physician has not received preauthorization, you are responsible for
the difference in cost between the brand name drug and the generic, in
addition to your coinsurance.
Note: The Plan requires a coverage review (prior authorization) of

certain prescription drugs based on FDA-approved prescribing and
safety information, clinical guidelines, and uses that are considered
reasonable, safe and effective. See page 51 for more information. To
find out if your prescription requires prior authorization or more about
your prescription drug plan, visit Medco online at www.medco.com or
call Medco member services at 1-800-841-2734.
Note: Specific covered medications and supplies for patients engaged

and compliant with the Plan's Disease Management Programs may have
enhanced benefits. See Disease Management, Section 5(h), Special
Features.
Personalized medicine (voluntary program) Nothing
• Pharmacogenomic testing to optimize prescription drug therapies for
certain conditions:
- Tamoxifen (for breast cancer)
- Warafin (anticoagulant)
Covered medications and supplies - continued on next page

High Option

Covered medications and supplies (cont.)
• Drugs and supplies for cosmetic purposes
• Vitamins, minerals, nutritional supplements, and enteral formulas
(liquid food supplements)
• Medical supplies such as dressings and antiseptics
• Nonprescription medicines/over-the-counter drugs
Note: Over-the-counter or prescription drugs approved by the FDA to

treat tobacco depdendence are covered under the Smoking cessation
program (See Educational classes and programs, page 34).

High Option
Section 5 (g). Dental benefits

• If you are enrolled in a Federal Employees Dental/Vision Insurance Program (FEDVIP) Dental
Plan, your FEHB Plan will be First/Primary payor of any Benefit payments and your FEDVIP Plan
is secondary to your FEHB Plan. See Section 9 Coordinating benefits with other coverage.
Note: We cover hospitalization for dental procedures only when a non-dental physical impairment
exists which makes hospitalization necessary to safeguard the health of the patient. We do not cover
the dental procedure. See Section 5(c) for inpatient hospital benefits.
Accidental injury benefit You Pay
Accidental injury benefit
We cover restorative services and supplies necessary to repair (but not Within 24 hours of accident:
replace) sound natural teeth. The need for these services must result
from an accidental injury (a blow or fall) and must be performed within PPO: Nothing (No deductible)
two years of the accident. See also Section 5(d), Accidental Injury. Non-PPO: Only the difference between our
allowance and the billed amount (No
deductible)
More than 24 hours after accident:
PPO: 10% of the Plan allowance

billed amount
Dental benefits service
Office visits (routine limited to 2 visits per year) 30% of the Plan allowance and any difference
between our allowance and the billed amount
Restorative care (No deductible)
(fillings)
Simple extractions
Note: Office visits include examinations, prophylaxis (cleanings), X-

rays of all types and fluoride treatment.
2011 APWU Health Plan 54 High Option Section 5(g)

High Option
Section 5 (h). Special features

Special feature Description
Flexible benefits option Under the flexible benefits option, we determine the most effective way to provide
services.
• We may identify medically appropriate alternatives to traditional care and coordinate
other benefits as a less costly alternative benefit. If we identify a less costly
alternative, we will ask you to sign an alternative benefits agreement that will include
all of the following terms. Until you sign and return the agreement, regular contract
benefits will continue.
• Alternative benefits will be made available for a limited time period and are subject to
our ongoing review. You must cooperate with the review process.
• By approving an alternative benefit, we cannot guarantee you will get it in the future
• The decision to offer an alternative benefit is solely ours, and except as expressly
provided in the agreement, we may withdraw it at any time and resume regular
contract benefits.
• If you sign the agreement, we will provide the agreed-upon alternative benefits for the
stated time period (unless circumstances change). You may request an extension of the
time period, but regular benefits will resume if we do not approve your request.
• Our decision to offer or withdraw alternative benefits is not subject to OPM review
under the disputed claims process.
24 hour nurse line We offer a 24-hour nurse advisory service for your use. This program is strictly voluntary
and confidential. You may call toll-free at 1-800-582-1314 and reach registered nurses to
discuss an existing medical concern or to receive information about numerous health care
issues.
Services for deaf and We offer a toll-free TDD line for customer service. The number is 1-800-622-2511. TDD
hearing impaired equipment is required.
Wellness benefit We reimburse you up to $250 per Self Only enrollment and $350 per Self and Family
enrollment per calendar year for non-covered expenses such as vision and eyeglasses, if
received in 2011 and no other benefits for 2011 have been paid. If we paid claims of less
than $250 for a Self Only enrollment, the difference up to $250 will be paid. If we paid
claims of less than $350 for a Self and Family enrollment, the difference up to $350 will
be paid.
We will notify you in November if you are eligible for the Wellness benefit. Submit
Wellness claims after January 1, 2012. Wellness claims are paid after March 1, 2012. If,
after Wellness benefits have been paid, subsequent claims are received for hospital,
medical or dental expenses, payments made under the Wellness benefit will be deducted
from allowable charges.
Disease Management A voluntary program that provides a variety of services to help you manage a chronic
Program condition with outpatient treatment and avoid unnecessary emergency care or inpatient
admissions. Some examples of conditions that can be managed through this program are:
diabetes and cardiac conditions. We use medical and/or pharmacy claims data as well as
interactions with you and your physician(s). If you have a chronic condition and would
like additional information, call CIGNA/CareAllies at 1-800-582-1314.
Review and reward If you send us a corrected hospital billing, we will credit 20% of any hospital charge over
program $20 for covered services and supplies that were not actually provided to a covered person.
The maximum amount payable under this program is $100 per person per calendar year.
2011 APWU Health Plan 55 High Option Section 5(h)

High Option
Special feature Description

Diabetes Management If you are an APWU Health Plan primary member enrolled in the CIGNA/CareAllies
Program Diabetes Disease Management program and participate as required by the program, you
may be eligible for the following incentives for In-network services only:
• $0 copay for In-network medical office visits for diabetes management (this does not
include visits to a Podiatrist or Ophthalmologist)
• $0 coinsurance for In-network lab tests related to diabetes management
• $0 copay for Generic drugs from Medco by Mail for the specific purpose of lowering
your blood sugar
• $0 copay for Insulin from Medco by Mail
• $0 copay for test strips, lancets, syringes and pen needles from Medco by Mail
• $0 coinsurance for an Insulin Pump (Preauthorization is required) and Insulin Pump
supplies purchased in-network
If you are an APWU Health Plan member who has other primary insurance (i.e. Medicare
primary), you do not have to enroll in the Diabetes Disease Management program, you
may be eligible for the following incentives:
• $0 copay for Generic drugs from Medco by Mail for the specific purpose of lowering
your blood sugar
• $0 copay for Insulin from Medco by Mail
• $0 copay for test strips, lancets, syringes and pen needles from Medco by Mail
• $0 coinsurance for In-network lab tests related to diabetes management
• $0 coinsurance for an Insulin Pump (Preauthorization is required) and Insulin Pump
supplies purchased in-network
Note: Enrollment in this program must be initiated by member after effective date of
Health Plan enrollment. To enroll contact CIGNA/CareAllies at 1-800-582-1314.
Hypertension (High If you are an APWU Health Plan primary member enrolled in the Hypertension Education
Blood Pressure) and Coaching program and participate as required by the program, you may be eligible for
Management Program the following incentives for In-network services only:
• $0 co-pay for In-network office visits for the treatment of hypertension
• $0 coinsurance for In-network lab tests related to the treatment of hypertension
• $0 co-pay for Generic drugs from Medco by Mail for the specific purpose of lowering
your blood pressure
primary), you do not have to enroll in the Hypertension Education and Coaching Program.
You will be eligible for the following incentives:
• $0 co-pay for Generic drugs from Medco by Mail for the specific purpose of lowering
your blood pressure
Health Plan enrollment. To enroll contact CIGNA/CareAllies at 1-800-582-1314.
Medco Health Store The Medco Health Store™ is Medco's consumer health products website. The site allows
for the purchase of consumer health products and shipment through the mail. The site
includes over-the-counter (OTC) medicines and is accessed through www.medco.com.
Benefits include:
• The convenience of 24/7 online access to a broad array of consumer health products,
organized by therapeutic category

High Option
• The availability of a wide and deep range of products, at competitive prices

• Member-initiated drug safety checking to provide notice when medications may
interact with each other
• The ability to obtain FSA reimbursement for qualified purchases
Special Programs • Lifestyle Programs - Wellness Coaches help you develop a personalized plan for
tobacco cessation and weight management. For information, call CIGNA/CareAllies
at 1-800-582-1314, select Hypertension/Weight Management/Tobacco Cessation
option.
• Healthy Rewards - MyCareAllies provides non-FEHB savings on gym memberships,
tobacco cessation, weight reduction programs, and more, at www.apwuhp.com.
- Tobacco cessation - find discounts on smoking cessation products
- Weight and nutrition - get help to lose weight with discounts on weight reduction
programs from Jenny Craig, Weight Watchers and NutriSystem
- Fitness - get fit and save up to 60% on gym memberships
- Vision and hearing care - receive vision and hearing exams and discounts on
hearing aids, discounts on glasses and frames, and discounts on Lasik Vision
Corrections
- Wellness products - enjoy 40% savings on herbal supplements and vitamins, and
5% at checkout from www.drugstore.com
- Alternative medicine - find discounts for acupuncture, chiropractor, and massage
- Dental care - save on dental care with discounts on anti-cavity products and
toothbrushes
Online tools and Online tools are available at www.apwuhp.com:

resources • eHealthRecord - online information for member services and claims to view claims
and find year-to-date information with claim details.
• Personal Health Record - an online tool to organize important medical information
in one secure and central location to share with family and doctors.
• HealthAssessment - answer questions about your health and receive a personalized
health program through MyCareAllies.
Consumer choice Access by Internet (www.apwuhp.com) is provided to support your important health and
information wellness decisions, including:
• Online Preferrred Organization (PPO) Directory - nationwide PPO network to find
doctors, hospitals and other outpatient providers anywhere in the country
• Hospital Quality Ratings Guide - Compare hospitals for quality in your area or
anywhere in the country
• Treatment Cost Estimator - receive cost estimates for the most common medical
conditions, tests and procedures (www.apwuhp.com)
• Prescription drug information, pricing, and network retail pharmacies.

CDHP
Consumer Driven Health Plan Benefits

See page 9 for how our benefits changed this year and page 118 for a benefits summary.
Consumer Driven Health Plan Overview....................................................................................................................................60
Section 5 (a). In-network preventive care ...................................................................................................................................61
Preventive care, adult ........................................................................................................................................................61
Preventive care, children ...................................................................................................................................................62
Section 5 (b). Personal Care Account (PCA) .............................................................................................................................63
Personal Care Account (PCA)...........................................................................................................................................63
Section 5 (c). Traditional Health Coverage .................................................................................................................................65
Deductible before Traditional Health Coverage begins ....................................................................................................65
Medical services and supplies provided by physicians and other health care professionals ............................................66
Diagnostic and treatment services.....................................................................................................................................66
Lab, X-ray and other diagnostic tests................................................................................................................................67
Maternity care ...................................................................................................................................................................67
Family planning ................................................................................................................................................................68
Infertility services .............................................................................................................................................................68
Allergy care .......................................................................................................................................................................68
Treatment therapies ...........................................................................................................................................................69
Physical and occupational therapies .................................................................................................................................69
Speech therapy ..................................................................................................................................................................69
Hearing services (testing, treatment, and supplies)...........................................................................................................70
Vision services (testing, treatment, and supplies) .............................................................................................................70
Foot care ............................................................................................................................................................................70
Orthopedic and prosthetic devices ....................................................................................................................................71
Durable Medical Equipment (DME).................................................................................................................................71
Home health services ........................................................................................................................................................72
Chiropractic .......................................................................................................................................................................73
Alternative treatments .......................................................................................................................................................73
Educational classes and programs.....................................................................................................................................73
Surgical and anesthesia services provided by physicians and other health care professionals .........................................73
Surgical procedures ...........................................................................................................................................................73
Reconstructive surgery ......................................................................................................................................................74
Oral and maxillofacial surgery ..........................................................................................................................................75
Organ/tissue transplants ....................................................................................................................................................76
Anesthesia .........................................................................................................................................................................78
Services provided by a hospital or other facility, and ambulance services .......................................................................79
Inpatient hospital ...............................................................................................................................................................79
Outpatient hospital or ambulatory surgical center ............................................................................................................80
Extended care benefits/Skilled nursing care facility benefits ...........................................................................................81
Hospice care ......................................................................................................................................................................81
Ambulance ........................................................................................................................................................................81
Emergency services/accidents...........................................................................................................................................81
Accidental injury ...............................................................................................................................................................82
Medical emergency ...........................................................................................................................................................82
Ambulance ........................................................................................................................................................................82
Mental health and substance abuse benefits .....................................................................................................................82
Professional Services ........................................................................................................................................................83
2011 APWU Health Plan 58 CDHP Section 5

CDHP
Diagnostics ........................................................................................................................................................................83
Inpatient hospital or other covered facility .......................................................................................................................83
Outpatient hospital or other covered facility.....................................................................................................................84
Prescription drug benefits .................................................................................................................................................84
Covered medications and supplies ....................................................................................................................................84
Coverage Authorization ....................................................................................................................................................86
Dental benefits ..................................................................................................................................................................87
Section 5 (d). Health tools and resources ....................................................................................................................................88
Online tools and resources ................................................................................................................................................88
Consumer choice information ...........................................................................................................................................88
Care support ......................................................................................................................................................................88
Diabetes Management Program ........................................................................................................................................88
Special Programs...............................................................................................................................................................89
Section 5 (e). Special features .....................................................................................................................................................90
Summary of benefits for the CDHP of the APWU Health Plan - 2011 ....................................................................................120
2011 APWU Health Plan 59 CDHP Section 5

CDHP
Consumer Driven Health Plan Overview

The Plan offers a Consumer Driven Health Plan (CDHP). The CDHP benefit package is described here in this section. Make
sure that you review the benefits that are available under the benefit product in which you are enrolled.
CDHP Section 5, which describes the CDHP benefits, is divided into subsections. Please read Important things you should
keep in mind about these benefits at the beginning of each subsection. Also read the General exclusions in Section 6, they
apply to the benefits in the following subsections. To obtain claim forms, claims filing advice, or more information about
CDHP benefits, contact us at 1-800-718-1299 or at our Web site at www.myuhc.com. User ID: APWUCDO, Password:
CDOINFO
This CDHP focuses on you, the health care consumer, and gives you greater control in how you use your health care benefits.
With this Plan, eligible in-network preventive care is covered in full, and you can use the Personal Care Account for any
covered care. If you use up your Personal Care Account, the Traditional Medical Coverage begins after you satisfy
your Deductible. If you don’t use up your Personal Care Account for the year, you can roll it over to the next year, up to the
maximum rollover amount, as long as you continue to be enrolled in this CDHP.
The CDHP includes:
In-network Preventive Care
This component covers 100% for preventive care for adults and children if you use a network provider. The covered services
include office visits/exams, immunizations and screenings and are fully described in Section 5(a). They are based on
recommendations by the American Medical Association.
Personal Care Account (PCA)
The Plan also provides a Personal Care Account (PCA) for each enrollment. Each year, the Plan provides $1,200 for a Self
Only enrollment or $2,400 for a Self and Family enrollment. The PCA covers 100% for your covered medical expenses,
which include dental and vision care.
If you have an unused PCA balance at the end of the year, you can rollover that balance so you can use it in the future. The
Personal Care Account is described in Section 5(b).
Note that the In-network Preventive Care benefits paid under Section 5(a) do NOT count against your Personal Care Account
(PCA).
Traditional Health Coverage
After you have used up your Personal Care Account (PCA) and paid your Deductible, the Plan starts paying benefits under
the Traditional Health Coverage described in Section 5(c). The Plan generally pays 85% of the cost for in-network care and
60% of the Plan allowance for out-of-network care.
Covered services include:
• Medical services and supplies
• Surgical and anesthesia services
• Hospital services, other facilities and ambulance
• Emergency services/Accidents
• Mental health and substance abuse benefits
• Prescription drug benefits
Health tools and resources
Section 5(d) describes the health tools and resources available to you under the Consumer Driven Option to help you
improve the quality of your health care and manage your expenses. There is also care support and a 24-hour nurse advisory
service.
2011 APWU Health Plan 60 CDHP Section 5 Overview

CDHP
Section 5 (a). In-network preventive care

Important things you should keep in mind about these in-network preventive care benefits:
• Under the Consumer Driven Option, the Plan pays 100% for the preventive care services listed in
this Section as long as you use a network PPO provider.
• For preventive care not listed in this Section or for preventive care from a non-network provider,
please see CDHP Section 5(b) – Personal Care Account (PCA).
• For all other covered expenses, please see CDHP Section 5(b) – Personal Care Account and
Section 5(c) – Traditional Health Coverage.
• Note that the in-network preventive care paid under this Section does NOT count against or use up
your Personal Care Account (PCA).
• Please remember that all benefits are subject to the definitions, limitations and exclusions in this
Note: There is no calendar year deductible for in-network preventive care under the Consumer Driven Option.
Preventive care, adult
One annual routine office visit and examination per person after age 18 In-network: Nothing
Out-of-network: Uses PCA while funds

available
Adult routine immunizations endorsed by the Centers for Disease In-network: Nothing
Control and Prevention (CDC):
available
Routine screenings: In-network: Nothing
• Total Blood Cholesterol, once annually Out-of-network: Uses PCA while funds
• Fasting lipoprotein profile, once every 5 years for adults age 20 or available
older
• Osteoporosis screening, once every two years, for women age 65 and
older
• Chlamydial infection
• Routine mammograms covered for women age 35 and older, as
follows:
- From age 35 through 39, one during this five year period
- From age 40 through 64, one every calendar year
- At age 65 and older, one every two consecutive calendar years
• Pap Smear and Routine Pelvic Exam annually
• Colorectal Cancer Screenings, member has the choice of the
following:
- Fecal occult blood test (FOBT) annually and flexible
sigmoidoscopy once every 5 years, both beginning at age 50; or
- Colonoscopy once every 10 years beginning at age 50; or
- Double contrast barium enema (DCBE) once every five years
starting at age 50
Preventive care, adult - continued on next page

2011 APWU Health Plan 61 CDHP Section 5(a)
CDHP

Preventive care, adult (cont.)
• Digital rectal examination (DRE) and prostate specific antigen (PSA) In-network: Nothing
test annually starting at age 45
• Abdominal Aortic Aneurysm screening, once for men between the available
ages of 65 and 75 with a smoking history.
Preventive care, children

Routine office visits, examinations and laboratory tests as follows: In-network: Nothing
• Six visits the first year (to age 1) Out-of-network: Uses PCA while funds
• Three visits the second year (age 1-2) available
• Annual visits from age 2 through age 18
Childhood immunizations recommended by the American Academy of In-network: Nothing

Pediatrics up to age 22
available
Routine screenings: In-network: Nothing
• One Screening Examination of Premature Infants for Retinopathy of Out-of-network: Uses PCA while funds
Prematurity or infants with low birth weight or gestational age of 32 available
weeks or less
• Lead level testing, one between ages 9 to 12 months and one between
12 and 24 months
• Vision screening at ages 3, 4, 5, 6, 8, 10, 12, 15, and 18
• Hearing screening at ages 4, 5, 6, 8, 10, 12, 15, and 18
• Pap smear and routine pelvic exam annually beginning at age 18 or
the onset of sexual activity, whichever comes first.
2011 APWU Health Plan 62 CDHP Section 5(a)

CDHP
Section 5 (b). Personal Care Account (PCA)

Important things you should keep in mind about your Personal Care Account:
• All eligible health care expenses (except in-network preventive care) are paid first from your
Personal Care Account (PCA). Traditional Health Coverage (under CDHP Section 5(c)) will only
start once your Personal Care Account is exhausted.
• Note that in-network preventive care covered under CDHP Section 5(a) does NOT count against
your PCA.
• The Personal Care Account provides full coverage for both in-network and out-of-network
providers. However your Personal Care Account will generally go much further when you use
network providers because network providers agree to discount their fees.
• You have flexibility about how to spend your PCA, and the Plan provides you with the resources to
manage your PCA. You can track your PCA on your personal private Web site, by telephone at
1-800-718-1299 (toll-free), or with monthly statements mailed directly to you at home.
• If you join this Plan during Open Season, you receive the full PCA ($1,200 per Self Only or $2,400
per Self and Family enrollment) as of your effective date of coverage. If you join at any other time
during the year, your PCA for your first year will be prorated at a rate of $100 per month for Self
Only or $200 per month for Self and Family for each full month of coverage remaining in that
calendar year.
• Unused PCA benefits are forfeited when leaving this Plan.
• If PCA benefits are available in your account at the time a claim is processed, out-of-pocket
expenses will be paid from your PCA regardless of the date the expense was incurred.
information shown in Section 3 to confirm which services require precertification.
There is no calendar year deductible for in-network preventive care under the Consumer Driven Option.
Personal Care Account (PCA)
A Personal Care Account (PCA) is provided by the Plan for each In-network and Out-of-network: Nothing up to
enrollment. Each year the Plan adds to your account: $1,200 for a Self Only enrollment or $2,400 for
• $1,200 per year for a Self Only enrollment or a Self and Family enrollment
• $2,400 per year for a Self and Family enrollment
The Personal Care Account covers eligible expenses at 100%. For

example, if you are ill and go to a network doctor for a $60 visit, the
doctor will submit your claim and the cost of the visit will be deducted
automatically from your PCA; you pay nothing.
Balance in PCA or Self Only $1,200

Less: Cost of visit -60
Remaining Balance in PCA $1,140
There are two types of eligible expenses covered by your PCA.
Personal Care Account (PCA) - continued on next page
2011 APWU Health Plan 63 CDHP Section 5(b)

CDHP

Personal Care Account (PCA) (cont.)
• Basic PCA Expenses are the same medical, surgical, hospital, In-network and Out-of-network: Nothing up to
emergency, mental health and substance abuse, and prescription drug $1,200 for a Self Only enrollment or $2,400 for
services and supplies covered under the Traditional Health Coverage a Self and Family enrollment
(see CDHP Section 5(c) for details)
• Extra PCA Expenses include:
- Dental and/or vision services are reimbursable out of your PCA and
must be paid up front by you. We will reimburse up to a combined
maximum of $400 per Self Only enrollment or $800 per Self and
Family enrollment each calendar year, including:
- Vision exam performed by an optometrist or ophthalmologist
- Eyeglasses and contact lenses
- Dental treatment (including examinations, cleanings, fillings,
restorative treatment, endodontics, and periodontics)
- In-network preventive care services not included under CDHP
Section 5(a) – In-network Preventive Care benefits
- Out-of-network preventive care limited to services shown as
covered under CDHP Section 5(a)
- Amounts in excess of the Plan allowance for services received out-
of-network and covered under Basic PCA Expenses
Note: Both Basic and Extra PCA Expenses are covered at 100% as long
as you have not used up your Personal Care Account.
To make the most of your Personal Care Account, you should:

• Use the network providers wherever possible;
• Use generic prescriptions wherever possible; and
• Only use your PCA for Extra PCA Expenses if you expect to have an
unused balance in your PCA at the end of the calendar year.

• Orthodontia
• Dental treatment for cosmetic purposes including teeth whitening
• Out-of-network preventive care services not included under CDHP
Section 5(a)
• Services or supplies shown as not covered under Traditional Health
Coverage (see CDHP Section 5(c)) and not included under Extra PCA
Expenses above
PCA Rollover
Any unused, remaining balance in your PCA at the end of the calendar year may be rolled over to subsequent years, as long
as you remain in this Plan, up to a maximum PCA account of $5,000 per Self Only enrollment or $10,000 per Self and
Family enrollment, thereby increasing your PCA in the following year(s).
2011 APWU Health Plan 64 CDHP Section 5(b)

CDHP
Section 5 (c). Traditional Health Coverage

• In-network preventive care is covered at 100% under CDHP Section 5(a) and does not count against
your Personal Care Account.
• Your Personal Care Account must be used first for eligible health care expenses.
• If your Personal Care Account has been exhausted, you must pay your Deductible before your
Traditional Health Coverage may begin. Your Deductible applies to all benefits in this section.
• The Consumer Driven Option provides coverage for both in-network and out-of-network providers.
The out-of-network benefits are the standard benefits under the Traditional Health Coverage. In-
network benefits apply only when you use a provider from the large, national network. When a
network provider is not available, out-of-network benefits apply.
• If you join at any time during the year other than Open Season, your Deductible for your first year
will be prorated at a rate of $50 per month for Self Only or $100 per month for Self and Family for
each full month of coverage remaining in that calendar year.
• When you use a network hospital, keep in mind that the professionals who provide services to you
in the hospital, such as radiologists, anesthesiologists, and pathologists, may not all be network
providers. If they are not, they will be paid by this Plan as out-of-network providers under the
Traditional Health Coverage. However, if surgical services are rendered at a PPO hospital or a PPO
freestanding ambulatory facility by a PPO primary surgeon, we will pay the services of
anesthesiologists who are not preferred providers at the PPO rate, based on Plan allowance.
information shown in Section 3 to confirm which services require precertification.

Deductible before Traditional Health Coverage begins
If your Personal Care Account has been exhausted, you are responsible In-network/Out-of-network: $600 per Self
to pay your Deductible before your Traditional Health Coverage begins. Only enrollment or $1,200 per Self and Family
enrollment
Traditional Health Coverage benefits begin after covered eligible
expenses total $1,800 for Self Only or $3,600 for Self and Family (the
combination of eligible expenses paid out of your PCA and your
Deductible) each calendar year.
Note: You must use any available PCA benefits, including any amounts
rolled over from previous years, before Traditional Health Coverage
begins.
In year one, therefore, the deductible is $600 for Self Only and $1,200
for Self and Family enrollment.
Deductible before Traditional Health Coverage begins - continued on next page
2011 APWU Health Plan 65 CDHP Section 5(c)

CDHP

Deductible before Traditional Health Coverage begins
(cont.)
Self Only Self and Family In-network/Out-of-network: $600 per Self
Basic PCA Expenses paid by PCA $1,200 $2,400 Only enrollment or $1,200 per Self and Family
enrollment
Deductible paid by you $600 $1,200
Traditional Health Coverage starts after $1,800 $3,600
Any PCA dollars that you rollover at the end of the year will reduce your
Deductible next year.
In future years, the amount of your Deductible may be lower if you

rollover PCA dollars at the end of the year. For example, if you rollover
$300 at the end of the year:
Self Only Self and Family

PCA for year 2 $1,200 $2,400
Rollover from year 1 + 300 + 300
$1,500 $2,700
Deductible paid by you + 300 + 900
Traditional Health Coverage starts $1,800 $3,600
when eligible expenses total
If you decide to use your PCA for Extra PCA Expenses for other than
covered dental and/or vision services, you may increase your
Deductible.
For example, if you have out-of-network preventive care for $150 and
later have an accident that leads to a hospital stay, you will have to pay
your Deductible plus “make up” the $150 dollars you spent on Extra
PCA Expenses.
Medical services and supplies provided by physicians and
other health care professionals
Diagnostic and treatment services
Professional services of physicians In-network: 15% of the Plan allowance
• In physician’s office Out-of-network: 40% of the Plan allowance
• At home and any difference between our allowance and
• In an urgent care center the billed amount
• During a hospital stay

• Initial examination of a newborn child covered under a family
enrollment
• In a skilled nursing facility
• Second surgical opinion

CDHP

Lab, X-ray and other diagnostic tests
Tests, such as: In-network: 15% of the Plan allowance
• Blood tests Out-of-network: 40% of the Plan allowance
• Urinalysis and any difference between our allowance and
• Non-routine pap tests the billed amount
• Pathology
• X-rays
• Non-routine Mammograms
• CT Scans/MRI/MRA/NC/PET
• Ultrasound
• Electrocardiogram and EEG
Note: If your network provider uses an out-of-network lab or radiologist,

we will pay out-of-network benefits for any lab and X-ray charges.
Not covered: Professional fees for automated lab tests All charges
Pharmacogenomic testing to optimize prescription drug therapies for In-network: Nothing
certain conditions:
Out-of-network: 40% of the Plan allowance
• Tamoxifen (for breast cancer) and any difference between our allowance and
• Warfarin (anticoagulant) billed amount
Maternity care
Complete maternity (obstetrical) care, such as: In-network: 15% of the Plan allowance
• Prenatal care Out-of-network: 40% of the Plan allowance
• Delivery and any difference between our allowance and
• Postnatal care the billed amount
Note: Here are some things to keep in mind:

• You do not need to precertify your normal delivery; see pages 10 and
11 for other circumstances, such as extended stays for you or your
baby.
• You may remain in the hospital up to 48 hours after a regular delivery
and 96 hours after a cesarean delivery. We will cover an extended
stay, if medically necessary.
• We cover routine nursery care of the newborn child during the
covered portion of the mother’s maternity stay. We will cover other
care of an infant who requires non-routine treatment if we cover the
infant under a Self and Family enrollment. Surgical benefits, not
maternity benefits, apply to circumcision of a covered newborn.
• We pay hospitalization and surgeon services for non-maternity care
the same as for illness and injury.
Not covered: Amniocentesis if for diagnosing multiple births All charges

CDHP

Family planning
A range of voluntary family planning services, limited to: In-network: 15% of the Plan allowance
• Voluntary sterilization (See Surgical procedures below) Out-of-network: 40% of the Plan allowance
• Surgically implanted contraceptives and any difference between our allowance and
• Injectable contraceptive drugs (such as Depo provera) the billed amount

• Diaphragms
Note: We cover oral contraceptives under the prescription drug benefit.

Not covered: Reversal of voluntary surgical sterilization and genetic All charges
counseling
Infertility services
Diagnosis and treatment of infertility, except as shown in Not covered In-network: 15% of the Plan allowance and any
amount over $2,500

and any difference between our allowance and
the billed amount and any amount over $2,500
• Infertility services after voluntary sterilization
• Assisted reproductive technology (ART) procedures, such as:
- artificial insemination (all procedures)
- in vitro fertilization
- embryo transfer and gamete intrafallopian transfer (GIFT)
- intravaginal insemination (IVI)
- intracervical insemination (ICI)
- intrauterine insemination (IUI)
• Services and supplies related to ART procedures
• Cost of donor sperm
• Cost of donor egg
Allergy care
Testing and treatment, including materials (such as allergy serum) In-network: 15% of the Plan allowance
Allergy injections Out-of-network: 40% of the Plan allowance

the billed amount
Not covered: Provocative food testing and sublingual allergy All charges
desensitization

CDHP

Treatment therapies
• Chemotherapy and radiation therapy In-network: 15% of the Plan allowance
Note: High dose chemotherapy in association with autologous bone Out-of-network: 40% of the Plan allowance
marrow transplants is limited to those transplants listed on pages 76 and and any difference between our allowance and
77. the billed amount
• Dialysis – hemodialysis and peritoneal dialysis

• Intravenous (IV)/Infusion Therapy – Home IV and antibiotic therapy
• Growth hormone therapy (GHT)
Note: Growth hormone is covered under the prescription drug benefit.
Note: We only cover IV/Infusion therapy and GHT when we are

pre-notified of the treatment. Call UnitedHealthcare at 1-800-718-1299
for pre-notification. UnitedHealthcare will ask you to submit
information that establishes that GHT is medically necessary. You
should pre-notify before you begin treatment. If you do not ask or if we
determine GHT is not medically necessary, we will not cover GHT or
related services and supplies. See Services requiring our prior approval
in Section 3.
• Respiratory and inhalation therapies
Physical and occupational therapies

Physical therapy and occupational therapy provided by a licensed In-network: 15% of the Plan allowance
registered therapist up to a combined 60 visits per calendar year
Note: Pre-notification of rehabilitative therapies is required. Call and any difference between our allowance and
UnitedHealthcare at 1-800-718-1299 for pre-notification. the billed amount
Note: We only cover physical and occupational therapy to restore bodily

function when there has been a total or partial loss of bodily function
due to illness or injury and when a physician:
1) Orders the care
2) Identifies the specific professional skills the patient requires and the
medical necessity for skilled services; and
3) Indicates the length of time the services are needed

• Maintenance therapies
• Exercise programs
• Physical and occupational therapies without pre-notification
Speech therapy
Speech therapy where medically necessary and provided by a licensed In-network: 15% of the Plan allowance
therapist
Note: Pre-notification of speech therapy is required. Call and any difference between our allowance and
UnitedHealthcare at 1-800-718-1299 for pre-notification. the billed amount
Note: Speech therapy is combined with 60 visits per year for the services
of physical therapy and/or occupational therapy (see above).
Speech therapy - continued on next page

CDHP

Speech therapy (cont.)
Note: We also have the right to deny any type of therapy, service or In-network: 15% of the Plan allowance
supply for the treatment of a condition which ceases to be therapeutic
treatment and is instead administered to maintain a level of functioning Out-of-network: 40% of the Plan allowance
or to prevent a medical problem from occurring or recurring. and any difference between our allowance and
the billed amount
Hearing services (testing, treatment, and supplies)
Diagnostic hearing tests performed by an M.D., D.O. or Audiologist In-network: 15% of the Plan allowance
• One examination and testing for hearing aids every 2 years Out-of-network: 40% of the Plan allowance
the billed amount
Hearing Aids, as shown in Orthopedic and prosthetic devices
Vision services (testing, treatment, and supplies)
• Internal (implant) ocular lenses and/or the first contact lenses required In-network: 15% of the Plan allowance
to correct an impairment caused by accident or illness. The services of
an optometrist are limited to the testing, evaluation and fitting of the Out-of-network: 40% of the Plan allowance
first contact lenses required to correct an impairment caused by and any difference between our allowance and
accident or illness. the billed amount
Note: See Preventive care, children, for eye exams for children
• Eyeglasses or contact lenses and examinations for them except under
PCA
• Eye exercises and visual training
Foot care
Routine foot care when you are under active treatment for a metabolic or In-network: 15% of the Plan allowance
peripheral vascular disease, such as diabetes
See Orthopedic and prosthetic devices for information on podiatric shoe and any difference between our allowance and
inserts the billed amount
• Cutting, trimming or removal of corns, calluses, or the free edge of
toenails, and similar routine treatment of conditions of the foot, except
as stated above
• Treatment of weak, strained or flat feet or bunions or spurs; and of
any instability, imbalance or subluxation of the foot (unless the
treatment is by open cutting surgery)

CDHP

Orthopedic and prosthetic devices
• Artificial limbs and eyes; stump hose In-network: 15% of the Plan allowance
• Externally worn breast prostheses and surgical bras, including Out-of-network: 40% of the Plan allowance
necessary replacements following a mastectomy and any difference between our allowance and
• Leg, arm, neck, joint and back braces the billed amount
• Internal prosthetic devices, such as artificial joints, pacemakers,
cochlear implants, and surgically implanted breast implant following
mastectomy.
Note: See Surgical benefits below for coverage of the surgery to insert
the device.
Note: We recommend pre-notification of orthopedic and prosthetic

devices. Call UnitedHealthcare at 1-800-718-1299 for pre-notification.
specialty items, such as bionics, is limited to the cost of the standard
item.
Hearing Aids In-network: All charges in excess of $1,500
• Covered every 3 years limited to $1,500 Out-of-network: All charges in excess of
$1,500
• Orthopedic and corrective shoes
• Arch supports
• Foot orthotics
• Heel pads and heel cups
• Lumbosacral supports
• Corsets, trusses, elastic stockings, support hose, and other supportive
devices
Durable Medical Equipment (DME)

Durable medical equipment (DME) is equipment and supplies that: In-network: 15% of the Plan allowance
1) Are prescribed by your attending physician (i.e., the physician who is Out-of-network: 40% of the Plan allowance
treating your illness or injury) and any difference between our allowance and
the billed amount
2) Are medically necessary
3) Are primarily and customarily used only for a medical purpose
4) Are generally useful only to a person with an illness or injury
5) Are designed for prolonged use; and
6) Serve a specific therapeutic purpose in the treatment of an illness

or injury
We cover rental or purchase, of durable medical equipment, at our

option, including repair and adjustment. Covered items include:
• Oxygen;
• Dialysis equipment;
• Hospital beds;
Durable Medical Equipment (DME) - continued on next page

CDHP

Durable Medical Equipment (DME) (cont.)
• Wheelchairs (standard and electric); In-network: 15% of the Plan allowance
• Ostomy supplies (including supplies purchased at a pharmacy); Out-of-network: 40% of the Plan allowance
• Crutches; and and any difference between our allowance and
• Walkers the billed amount
Note: Call UnitedHealthcare at 1-800-718-1299 as soon as your

physician prescribes this equipment because pre-notification is required.
specialty equipment, such as all-terrain wheelchairs, is limited to the
cost of the standard equipment.
• Whirlpool equipment
• Sun and heat lamps
• Light boxes
• Heating pads
• Exercise devices
• Stair glides
• Elevators
• Air Purifiers
• Computer “story boards,” “light talkers,” or other communication aids
for communication-impaired individuals
Home health services

Services for skilled nursing care up to 25 visits per calendar year, not to In-network: 15% of the Plan allowance; all
exceed a maximum Plan payment of $90 per day, when preauthorized charges after we pay $90 per day
and:
• A registered nurse (R.N.), licensed practical nurse (L.P.N.) or licensed and any difference between our allowance and
vocational nurse (L.V.N.) provides the services the billed amount; all charges after we pay $90
• The attending physician orders the care per day
• The physician identifies the specific professional skills required by
the patient and the medical necessity for skilled services; and
• The physician indicates the length of time the services are needed
Note: Skilled nursing care must be preauthorized. Call UnitedHealthcare

at 1-800-718-1299 for pre-notification.
• Nursing care requested by, or for the convenience of, the patient or the
patient’s family
• Home care primarily for personal assistance that does not include a
medical component and is not diagnostic, therapeutic, or rehabilitative
• Services of nurses aides or home health aides

CDHP

Chiropractic
Chiropractic treatment limited to 12 visits and/or manipulations per year In-network: 15% of the Plan allowance
Note: X-rays covered under Diagnostic and treatment services Out-of-network: 40% of the Plan allowance
Note: Massage therapy not covered the billed amount
Alternative treatments
Acupuncture – by a doctor of medicine or osteopathy In-network: 15% of the Plan allowance

the billed amount
• Services of any provider not listed as covered; see Covered providers
on page 10
Note: Benefits of certain alternative treatment providers may be covered

in medically underserved areas; see page 10.
Educational classes and programs
If you are an APWU Health Plan member you may enroll in a Smoking In-network: Nothing
Cessation Program up to two quit attempts per year as follows:
Out-of-network: All charges
• 4 Telephonic counseling sessions with UnitedHealthcare or;
• 4 Group therapy sessions or;
• 4 Educational sessions with a physician
Note: Enrollment in the UnitedHealthcare program must be initiated by

member after effective date of Health Plan enrollment. For more
information contact UnitedHealthcare at 1-800-718-1299.
Prescription drugs (through Medco by Mail only) approved by the FDA In-network: Nothing
to treat tobacco dependence for smoking cessation.
Out-of-network: All charges
Over-the-counter drugs (through UnitedHealthcare only) approved by
the FDA to treat tobacco dependence for smoking cessation.
Surgical and anesthesia services provided by physicians

and other health care professionals
Surgical procedures
A comprehensive range of services, such as: In-network: 15% of the Plan allowance
• Operative procedures Out-of-network: 40% of the Plan allowance
• Treatment of fractures, including casting and any difference between our allowance and
• Normal pre- and post-operative care by the surgeon the billed amount
• Correction of amblyopia and strabismus

• Endoscopy procedures
• Biopsy procedures
• Removal of tumors and cysts
Surgical procedures - continued on next page

CDHP

Surgical procedures (cont.)
• Correction of congenital anomalies (see Reconstructive surgery) In-network: 15% of the Plan allowance
• Surgical treatment of morbid obesity (bariatric surgery) (requires pre- Out-of-network: 40% of the Plan allowance
notification. See How to get approval for... in Section 3) and any difference between our allowance and
• Insertion of internal prosthetic devices (see Orthopedic and prosthetic the billed amount
devices above for device coverage information)
• Voluntary sterilization (e.g., Tubal ligation, Vasectomy)
• Surgically implanted contraceptives
• Treatment of burns
• Assistant surgeons - We cover up to 20% of our allowance for the
surgeon’s charge
When multiple or bilateral surgical procedures performed during the In-network: 15% of the Plan allowance for the
same operative session add time or complexity to patient care, our primary procedure and 15% of one-half of the
benefits are: Plan allowance for the secondary procedure(s)
• For the primary procedure: Out-of-network: 40% of the Plan allowance for
- In-network: 85% of the Plan allowance or the primary procedure and 40% of one-half of
- Out-of-network: 60% of the Plan allowance the Plan allowance for the secondary procedure
(s); and any difference between our payment
• For the secondary procedure(s): and the billed amount
- In-network: 85% of one-half of the Plan allowance or
- Out-of-network: 60% of one-half of the Plan allowance
Note: Multiple or bilateral surgical procedures performed through the

same incision are “incidental” to the primary surgery. That is, the
procedure would not add time or complexity to patient care. We do not
pay extra for incidental procedures.
• Cosmetic surgery and other related expenses if not preauthorized
• Reversal of voluntary sterilization
• Services of a standby surgeon, except during angioplasty or other high
risk procedures when we determine standbys are medically necessary
Reconstructive surgery
• Surgery to correct a functional defect In-network: 15% of the Plan allowance
• Surgery to correct a condition caused by injury or illness if: Out-of-network: 40% of the Plan allowance
- The condition produced a major effect on the member’s appearance and any difference between our allowance and
and the billed amount
- The condition can reasonably be expected to be corrected by such
surgery
• Surgery to correct a condition that existed at or from birth and is a
significant deviation from the common form or norm. Examples of
congenital anomalies are: protruding ear deformities; cleft lip; cleft
palate; birth marks (including port wine stains); and webbed fingers
and toes.
Reconstructive surgery - continued on next page

CDHP

Reconstructive surgery (cont.)
• All stages of breast reconstruction surgery following a mastectomy, In-network: 15% of the Plan allowance
such as:
- Surgery to produce a symmetrical appearance of breast and any difference between our allowance and
- Treatment of any physical complications, such as lymphedema the billed amount
- Breast prostheses; and surgical bras and replacements (see
Prosthetic devices for coverage)
Note: We pay for internal breast prostheses as hospital benefits.
Note: If you need a mastectomy, you may choose to have the procedure
performed on an inpatient basis and remain in the hospital up to 48
hours after the procedure.
• Cosmetic surgery– any surgical procedure (or any portion of a
procedure) performed primarily to improve physical appearance
through change in bodily form, except repair of accidental injury if
repair is initiated within two years of the accident
• Surgeries related to sex transformation, sexual dysfunction or sexual
inadequacy except if preauthorized for organic impotence
Oral and maxillofacial surgery

Oral surgical procedures, limited to: In-network: 15% of the Plan allowance
• Reduction of fractures of the jaws or facial bones Out-of-network: 40% of the Plan allowance
• Surgical correction of cleft lip, cleft plate or severe functional and any difference between our allowance and
malocclusion the billed amount
• Removal of stones from salivary ducts
• Excision of leukoplakia or malignancies
• Excision of cysts and incision of abscesses when done as independent
procedures
• Other surgical procedures that do not involve the teeth or their
supporting structures
• Extraction of impacted (unerupted) teeth
• Alveoplasty, partial ostectomy and radical resection of mandible with
bone graft unrelated to tooth structure
• Excision of bony cysts of the jaw unrelated to tooth structure
• Excision of tori, tumors, and premalignant lesions, and biopsy of hard
and soft oral tissues
• Reduction of dislocations and excision, manipulation, arthrocentesis,
aspiration or injection of temporomandibular joints
• Removal of foreign body, skin, subcutaneous alveolar tissue, reaction-
producing foreign bodies in the musculoskeletal system and salivary
stones
• Incision/excision of salivary glands and ducts
• Repair of traumatic wounds
• Sinusotomy, including repair of oroantral and oromaxillary fistula
and/or root recovery
Oral and maxillofacial surgery - continued on next page

CDHP

Oral and maxillofacial surgery (cont.)
• Surgical treatment of trigeminal neuralgia In-network: 15% of the Plan allowance
• Frenectomy or frenotomy, skin graft or vestibuloplasty-stomatoplasty Out-of-network: 40% of the Plan allowance
unrelated to periodontal disease and any difference between our allowance and
• Incision and drainage of cellulitis unrelated to tooth structure the billed amount
Note: We suggest you call UnitedHealthcare at 1-800-718-1299 to

determine whether a procedure is covered.
• Oral implants and transplants
• Procedures that involve the teeth or their supporting structures (such
as the periodontal membrane, gingiva and alveolar bone)
• Dental bridges, replacement of natural teeth, dental/orthodontic/
temporomandibular joint dysfunction appliances and any related
expenses
• Treatment of periodontal disease and gingival tissues, and abscesses
• Charges related to orthodontic treatment
Organ/tissue transplants
These solid organ transplants are subject to medical necessity and In-network Transplant Center of Excellence
experimental/investigational review by the Plan. Refer to Other services (COE): 10% of the Plan allowance
in Section 3 for prior authorization procedures.
In-network: 15% of the Plan allowance
Solid organ transplants are limited to:
• Cornea and any difference between our allowance and
• Heart the billed amount and any amount over
• Heart/lung $100,000
• Intestinal transplants
- Small intestine
- Small intestine with the liver
- Small intestine with multiple organs, such as the liver, stomach, and
pancreas
• Kidney
• Liver
• Lung single/bilateral/lobar
• Pancreas
• Autologous pancreas islet cell transplant (as an adjunct to total or near
total pancreatectomy) only for patients with chronic pancreatitis
These tandem blood or marrow stem cell transplants for covered In-network Transplant Center of Excellence
transplants are subject to medical necessity review by the Plan. Refer (COE): 10% of the Plan allowance
to Other services in Section 3 for prior authorization procedures.
In-netwok: 15% of the Plan allowance
• Autologous tandem transplants for
- AL Amyloidosis Out-of-network: 40% of the Plan allowance
- Multiple myeloma (de novo and treated) the billed amount over $100,000
- Recurrent germ cell tumors (including testicular cancer)

CDHP

In-network Transplant Center of Excellence
(COE): 10% of the Plan allowance
In-netwok: 15% of the Plan allowance

the billed amount over $100,000
Blood or marrow stem cell transplants limited to the following In-network Transplant Center of Excellence
diagnoses. (COE): 10% of the Plan allowance
• Allogeneic transplants for In-network: 15% of the Plan allowance
- Acute lymphocytic or non-lymphocytic (i.e., myelogenous)
leukemia Out-of-network: 40% of the Plan allowance
- Advanced Hodgkin’s lymphoma with reoccurrence (relapsed) the billed amount and any amount over
- Advanced non-Hodgkin’s lymphoma with reoccurrence (relapsed) $100,000
- Advanced Myeloproliferative Disorders (MPDs)
- Amyloidosis
- Chronic lymphocytic leukemia/small lymphocytic lymphoma
(CLL/SLL)
- Hemoglobinopathy
- Marrow failure and related disorders (i.e., Fanconi’s, PNH, Pure
Red Cell Aplasia)
- Myelodysplasia/Myelodysplastic syndromes
- Paroxysmal Nocturnal Hemoglobinuria
- Phagocytic/Hemophagocytic deficiency diseases (e.g., Wiskott-
Aldrich syndrome)
- Severe combined immunodeficiency
- Severe or very severe aplastic anemia
• Autologous transplants for
- Acute lymphocytic or nonlymphocytic (i.e., myelogenous)
leukemia
- Advanced Hodgkin’s lymphoma with reoccurrence (relapsed)
- Amyloidosis
- Breast Cancer
- Epithelial ovarian cancer
- Multiple myeloma
- Neuroblastoma
- Testicular, Mediastinal, Retroperitoneal, and ovarian germ cell
tumors
Mini-transplants (non-myeloablative, reduced intensity conditioning or In-network Transplant Center of Excellence

RIC) are subject to medical necessity review by the Plan. (COE): 10% of the Plan allowance
In-network: 15% of the Plan allowance

CDHP

the billed amount and any amount over
$100,000
Blood or marrow stem cell transplants are covered only in a National In-network Transplant Center of Excellence
Cancer Institute or National Institutes of health approved clinical trial (COE): 10% of the Plan allowance
or a Plan-designated center of excellence and if approved by the Plan's
medical director in accordance with the Plan's protocols. In-network: 15% of the Plan allowance
If you are a participant in a clinical trial, the Plan will provide benefits Out-of-network: 40% of the Plan allowance
for related routine care that is medically necessary (such as doctor visits, and any difference between our allowance and
lab tests, X-rays and scans, and hospitalization related to treating the the billed amount and any amount over
patient's condition) if it is not provided by the clinical trial. Section 9 $100,000
has additional information on costs related to clinical trials. We
encourage you to contact the Plan to discuss specific services if you
participate in a clinical trial.
Transplant Network
The Plan uses specific Plan-designated organ/tissue transplant facilities.

Before your initial evaluation as a potential candidate for a transplant
procedure, you or your doctor must contact UnitedHealthcare at
1-800-718-1299 and ask to speak to a Transplant Case Manager. You
will be provided with information about transplant preferred providers.
If you choose a Plan-designated transplant facility, you may receive
prior approval for travel and lodging costs.
Limited Benefits – If you don’t use a Plan-designated transplant facility,

benefits for pretransplant evaluation, organ procurement, inpatient
hospital, surgical and medical expenses for covered transplants, whether
incurred by the recipient or donor, are limited to a maximum of
$100,000 for each listed transplant, including multiple organ transplants.
Note: We cover related medical and hospital expenses of the donor
when we cover the recipient.
• Donor screening tests and donor search expenses, except as shown
above
• Transplants not listed as covered
• Implants of artificial organs
Anesthesia
Professional services for administration of anesthesia In-network: 15% of the Plan allowance
Note: If surgical services are rendered at an in-network hospital or an in- Out-of-network: 40% of the Plan allowance
network freestanding ambulatory facility by an in-network primary and any difference between our allowance and
surgeon, we will pay the services of out-of-network anesthesiologists at the billed amount
the in-network rate, based on Plan allowance.

CDHP

Services provided by a hospital or other facility, and
ambulance services
Inpatient hospital
Room and board, such as: In-network: 15% of the Plan allowance
• Ward, semiprivate, or intensive care accommodations Out-of-network: 40% of the Plan allowance
• General nursing care and any difference between our allowance and
• Meals and special diets the billed amount
Note: If you use a network provider and a

Note: We only cover a private room when you must be isolated to network facility, we may still pay out-of-
prevent contagion. Otherwise, we will pay the hospital’s average charge network benefits on any services received from
for semiprivate accommodations. If the hospital only has private rooms, a radiologist or pathologist who is not a
we will consider a semiprivate equivalent allowance of up to 90% of the network provider.
private room charge.
Note: When the out-of-network hospital bills a flat rate, we prorate the
charges to determine how to pay them, as follows: 30% room and board
and 70% other charges.
Other hospital services and supplies, such as: In-network: 15% of the Plan allowance
• Operating, recovery, maternity, and other treatment rooms Out-of-network: 40% of the Plan allowance
• Prescribed drugs and medicines and any difference between our allowance and
• Diagnostic laboratory tests and X-rays the billed amount
• Blood or blood plasma, if not donated or replaced

• Dressings, splints, casts, and sterile tray services
• Medical supplies and equipment, including oxygen
• Anesthetics, including nurse anesthetist services
Note: We base payment on whether the facility or a health care

professional bills for the services or supplies. For example, when the
hospital bills for its nurse anesthetists’ services, we pay Hospital benefits
and when the anesthesiologist bills, we pay Surgery benefits.
• Any part of a hospital admission that is not medically necessary (see
definition), such as when you do not need acute hospital inpatient
(overnight) care, but could receive care in some other setting without
adversely affecting your condition or the quality of your medical care.
Note: In this event, we pay benefits for services and supplies other
than room and board and in-hospital physician care at the level they
would have been covered if provided in an alternative setting
• Custodial care; see definition
• Non-covered facilities, such as nursing homes, skilled nursing
facilities, residential treatment facilities, day and evening care centers,
and schools
• Personal comfort items such as radio, television, air conditioners,
beauty and barber services, guest meals and beds
• Services of a private duty nurse that would normally be provided by
hospital nursing staff
Inpatient hospital - continued on next page

CDHP

Inpatient hospital (cont.)
Cancer Centers of Excellence In-network Cancer Centers of Excellence
(COE): 10% of the Plan allowance
The Plan provides access to designated Cancer Centers of Excellence.
To locate a Cancer Center of Excellence, contact UnitedHealthcare at In-network: 15% of the Plan allowance
1-800-718-1299 and enroll in the program prior to obtaining Covered
Services. The Plan will only pay the higher level of benefits if Out-of-network: 40% of the Plan allowance
UnitedHealthcare provides the proper notification to the Designated and any difference between our allowance and
Facility/Provider performing the services. billed amount
To receive the higher level of benefits for a cancer-related treatment, you

are required to visit a Designated Facility. Cancer treatment includes the
following:
• Physician's Office Services;
• Professional Fees for Surgical and Medical Services;
• Hospital - Inpatient Stay; and
• Outpatient Surgery, Diagnostic and Therapeutic Services.
If you decide to use a designated Center of Excellence, you may receive

prior approval for travel and lodging costs.
Outpatient hospital or ambulatory surgical center
• Operating, recovery, and other treatment rooms In-network: 15% of the Plan allowance
• Prescribed drugs and medicines Out-of-network: 40% of the Plan allowance
• Diagnostic laboratory tests, X-rays, and pathology services and any difference between our allowance and
• Administration of blood, blood plasma, and other biologicals the billed amount
• Blood and blood plasma, if not donated or replaced

• Pre-surgical testing
• Dressings, casts, and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia service
Note: We cover hospital services and supplies related to dental

procedures when necessitated by an underlying medical condition. We
do not cover the dental procedures.
Note: We cover outpatient services and supplies of a hospital or free-

standing ambulatory facility the day of a surgical procedure (including
change of cast), hemophilia treatment, hyperalimentation, rabies shots,
cast or suture removal, oral surgery, foot treatment, chemotherapy for
treatment of cancer, and radiation therapy.

CDHP

Extended care benefits/Skilled nursing care facility
benefits
No benefit All charges
Hospice care
Hospice is a coordinated program of home and inpatient supportive care Any amount over the annual maximums shown
for the terminally ill patient and the patient’s family provided by a
medically supervised specialized team under the direction of a duly
licensed or certified Hospice Care Program.
• We pay $3,000 annually for outpatient services and $2,000 annually
for inpatient services
• We pay a $200 annual bereavement benefit per family unit
Ambulance
Local professional ambulance service when medically appropriate In-network: 15% of the Plan allowance
immediately before or after an inpatient admission
the billed amount
• Ambulance service used for routine transport
Emergency services/accidents
What is an accidental injury?
An accidental injury is a bodily injury sustained solely through violent,

external, and accidental means, such as broken bones, animal bites, and
poisonings.
What is a medical emergency?
A medical emergency is the sudden and unexpected onset of a condition

or an injury that you believe endangers your life or could result in
serious injury or disability, and requires immediate medical or surgical
care. Some problems are emergencies because, if not treated promptly,
they might become more serious; examples include deep cuts and
broken bones. Others are emergencies because they are potentially life-
threatening, such as heart attacks, strokes, poisonings, gunshot wounds,
or sudden inability to breathe. There are many other acute conditions
that we may determine are medical emergencies – what they all have in
common is the need for quick action.
Note: If you use an emergency room for other than a recognized medical
emergency, facility fees and supplies will not be covered.
Note: When you use a PPO hospital for emergency services, the
emergency room physician who provides the services to you in the
emergency room may not be a preferred provider. If they are not, they
will be paid by this Plan as a PPO-provider at the PPO rate, based on the
Plan allowance.

CDHP

Accidental injury
If you receive care for your accidental injury within 24 hours, we cover: In-network: 15% of the Plan allowance
• Physician services and supplies Out-of-network: 15% of the Plan allowance
• Related outpatient hospital services and any difference between our allowance and
the billed amount
If you receive care for your accidental injury after 24 hours, we cover:
• Physician services and supplies

Medical emergency
• Outpatient facility charges in an Urgent Care Center In-network: 15% of the Plan allowance
• Outpatient medical or surgical services and supplies, other than an Out-of-network: 15% of the Plan allowance
Urgent Care Center and any difference between our allowance and
the billed amount
Ambulance
• Professional ambulance service within 24 hours of an accidental In-network: 15% of the Plan allowance
injury or medical emergency
• Air ambulance if medically necessary for transport to the closest and any difference between our allowance and
appropriate facility for treatment within 24 hours of an accidental the billed amount
injury
Note: See Hospital benefits above for non-emergency service.

Mental health and substance abuse benefits
You may choose to get care in-network or out-of-network. You need to
get Plan approval (preauthorization) for services and follow a treatment
plan we approve in order to get benefits. When you receive services as
part of an approved treatment plan, cost-sharing and limitations for Plan
mental health and substance abuse benefits are no greater than for
similar benefits for other illnesses and conditions.
• Please remember that all benefits are subject to the definitions,
limitations, and exclusions in this brochure and are payable only when
we determine they are medically necessary.
• Be sure to read Section 4, Your costs for covered services, for
valuable information about how cost-sharing works. Also read Section
9 about coordinating benefits with other coverage, including with
Medicare.
YOU MUST GET PREAUTHORIZATION FOR THESE

SERVICES. Benefits are payable only when we determine the care is
clinically appropriate to treat your condition and only when you receive
the care as part of a treatment plan that we approve. The treatment plan
may include services, drugs, and supplies described elsewhere in this
brochure. To be eligible to receive full benefits, you must follow the
preauthorization process shown in Section 3 and get Plan approval of
your treatment plan.
Mental health and substance abuse benefits - continued on next page

CDHP

Mental health and substance abuse benefits (cont.)
• We do not make available provider directories for mental health or
substance abuse providers. ValueOptions will provide you with a
choice of network providers when you call to preauthorize your care.
Professional Services
We cover professional services by licensed professional mental health Your cost-sharing responsibilities are no greater
and substance abuse practitioners when acting within the scope of their than for other illnesses or conditions.
license, such as psychiatrists, psychologists, clinical social workers,
licensed professional counselors, or marriage and family therapists.
Diagnosis and treatment of psychiatric conditions, mental illness, or In-network: 15% of the Plan allowance
mental disorders. Services include:
• Diagnostic evaluation
• Crisis intervention and stabilization for acute episodes
• Medication evaluation and management (pharmacotherapy)
• Psychological and neuropsychological testing necessary to determine
the appropriate psychiatric treatment
• Treatment and counseling (including individual or group therapy
visits)
• Diagnosis and treatment of alcoholism and drug abuse, including
detoxification, treatment and counseling
• Professional charges for intensive outpatient treatment in a provider's
office or other professional setting
Diagnostics
• Outpatient diagnostic tests provided and billed by a licensed mental In-network: 15% of the Plan allowance
health and substance abuse practitioner
• Outpatient diagnostic tests provided and billed by a laboratory,
hospital or other covered facility
• Inpatient diagnostic tests provided and billed by a hospital or other
covered facility
Inpatient hospital or other covered facility

Inpatient services provided and billed by a hospital or other covered In-network: 15% of the Plan allowance
facility
• Room and board, such as semiprivate or intensive accommodations,
general nursing care, meals and special diets, and other hospital
services.

CDHP

Outpatient hospital or other covered facility
Outpatient services provided and billed by a hospital or other covered In-network: 15% of the Plan allowance
facility
• Services such as partial hospitalization, half-way house, residential
treatment, full-day hospitalization, or facility-based intensive
outpatient treatment
- Outpatient services provided and billed by a hospital or other
covered facility
- Services such as partial hospitalization, half-way house, residential
treatment, full-day hospitalization, or facility-based intensive
outpatient treatment
See these sections of the brochure for more valuable information about
these benefits:
• Section 4, Your costs for covered services, for information about
catastrophic protection for these benefits.
• Section 7, Filing a claim for covered services, for information about
submitting out-of-network claims.
Prescription drug benefits

Covered medications and supplies
Each new enrollee will receive a description of our prescription drug • Network Retail: 25% of charge with a
program administered by Medco Health, a combined prescription drug/ minimum of $10 and a maximum per
Plan identification card, a mail order form/patient profile and a reply prescription of $200 for a 30 day supply,
envelope. $400 for a 60 day supply, $600 for a 90 day
supply
You may purchase the following medications and supplies prescribed by
a physician from either a network pharmacy or by mail: • Network Retail Medicare: 25% of charge
with a minimum of $10 and a maximum per
• Drugs and medicines, including those for smoking cessation, for use prescription of $200 for a 30 day supply,
at home that are obtainable only upon a doctor’s prescription $400 for a 60 day supply, $600 for a 90 day
• Drugs and medicines (including those administered during a non- supply
covered admission or in a non-covered facility) that by Federal law of • Network Mail Order: 25% of charge with a
the United States require a physician’s prescription for their purchase, minimum of $15 and a maximum per
except those listed as Not covered prescription of $200 for a 30 day supply,
• Insulin and test strips for known diabetics $400 for a 60 day supply, $600 for a 90 day
• Needles and syringes for the administration of covered medications supply
• Full range of FDA-approved drugs, prescriptions, and devices for • Network Mail Order Medicare: 25% of
birth control charge with a minimum of $15 and a
maximum per prescription of $200 for a 30
• Prior authorization is required for certain drugs and must be renewed day supply, $400 for a 60 day supply, $600
periodically. Prior authorization uses Plan rules based on FDA- for a 90 day supply
approved prescribing and safety information, clinical guidelines and
uses that are considered reasonable, safe and effective. For example,
approved drugs for organic impotence are subject to prior Plan
approval and limitations on dosage and quantity. See the coverage
authorization information shown in Section 3, page 14 and page 82
for more information about this program.

• Drugs and supplies for cosmetic purposes
Covered medications and supplies - continued on next page

CDHP

Covered medications and supplies (cont.)
• Vitamins, minerals, nutritional supplements, and enteral formulas All charges
(liquid food supplements)
• Medical supplies such as dressings and antiseptics
• Nonprescription medicines/over-the-counter drugs
• Non-network retail drugs (unless for a sudden illness while traveling
outside the United States or Puerto Rico)
Note: Over-the-counter and prescription drugs approved by the FDA to

treat tobacco dependence are covered under the Smoking cessation
program (See Educational classes and programs page 73).
Personalized Medicine (voluntary program)
The Personalized Medicine Program combines a Pharmacogenomic test
(genetic lab test) with a clinical program to optimize prescription drug
therapies for patients taking Warfarin (anticoagulant) and Tamoxifen (for
breast cancer). This program focuses on giving physicians information,
on an individual level, on patients who have already been diagnosed
with a disease or condition.
The benefits of this testing, done with a simple cheek swab are:
• Greater patient safety and efficacy through more precise dosing for
Warfarin and correct therapy decisions for Tamoxifen
• Elimination of adverse events since the patient will be taking the right
dose of Warfarin from the early onset of therapy
Pharmacogenomic testing gives physicians personalized information

they can use to make more precise prescribing and dosing decisions to
help their patients receive the critical care they need. The Personalized
Medicine Program is available to you at no additional cost. If your
medication history indicates that the testing could be beneficial for you,
a pharmacist will contact your physician to discuss the program. If your
doctor agrees that the test results would be helpful, you will be contacted
by a pharmacist to let you know that the testing is available. If you agree
to participate, you will receive a cheek swab test that you can administer
on your own.
The results of your test will be sent to your doctor and to a Medco
pharmacist who has received special training in personalized medicine.
The pharmacist is available to help your doctor interpret the results of
your test. Your participation is voluntary, and your doctor is still solely
responsible for deciding which drug and dose is right for you.
Personalized medicine (voluntary program)

• Genetic testing to optimize prescription drug therapies for certain
conditions:
- Tamoxifen (for breast cancer)
- Warfarin (anticoagulant)

CDHP

Coverage Authorization
• The information below describes a feature of your prescription drug
plan known as coverage authorization. Coverage authorization
determines how your prescription drug plan will cover certain
medications.
• Some medications are not covered unless you receive approval
through a coverage review (prior authorization). Examples of drug
categories that require a coverage review include but are not limited
to, Growth Hormones, Botox, Interferons, Rheumatoid Arthritis
agents, Retin A and drugs for organic impotence. This review uses
plan rules based on FDA-approved prescribing and safety
information, clinical guidelines and uses that are considered
reasonable, safe and effective. There are other medications that may
be covered with limits (for example, only for a certain amount or for
certain uses) unless you receive approval through a review. During
this review, Medco asks your doctor for more information than what
is on the prescription before the medication may be covered under
your plan. If coverage is approved, you simply pay your normal
copayment for the medication. If coverage is not approved, you will
be responsible for the full cost of the medication.
• The Plan will participate in other approved managed care programs to
ensure patient safety and appropriate therapy in accordance with the
Plan rules based on FDA-guidelines referenced above.
• To find out more about your prescription drug plan, please visit
Medco online at www.medco.com or call Medco Member Services at
1-800-309-5528.
• “Specialty Drugs” means those covered drugs that typically cost $500
or more per dose or $6,000 or more per year and have one or more of
the following characteristics: (1) complex therapy for complex disease
(2)specialized patient training and coordination of care (services,
supplies, or devices) required prior to therapy initiation and/or during
therapy; (3) unique patient compliance and safety monitoring
requirements; (4)unique requirements for handling, shipping and
storage; and (5) potential for significant waste due to the high cost of
the drug.
Exceptions to the price threshold may exist based on certain

characteristics of the drug or therapy which will still require the drug to
be classified as a Specialty Drug. Some examples of the disease
categories currently in Medco’s specialty pharmacy programs include
cancer, cystic fibrosis, Gaucher disease, growth hormone deficiency
hemophilia, immune deficiency, Hepatitis C, infertility, multiple
sclerosis, rheumatoid arthritis and RSV prophylaxis.
In addition, a follow-on-biologic or generic product will be considered a

Specialty Drug if the innovator drug is a Specialty Drug.
Many of the Specialty Drugs covered by the Plan fall under the
Coverage Authorization program mentioned above.
Coverage Authorization - continued on next page

CDHP

Coverage Authorization (cont.)
Note: If you do not use your identification card at a network pharmacy,
or if you use a non-network pharmacy, the Plan provides no benefit and
you must pay the full cost of your purchases. Non-network retail drugs
will be covered under the in-network benefit only if necessary and
prescribed for sudden illness while traveling outside of the United States
(including Puerto Rico).
Dental benefits
No benefit See Personal Care Account, page 63

CDHP
Section 5 (d). Health tools and resources

Special features Description
Online tools and Your Personal, private Web site accessible by Internet at www.myuhc.com
resources • Your Personal Care Account balance and activity (also mailed quarterly)
• Your complete claims payment history
• A consumer health encyclopedia and interactive services
• Online health risk assessment to help determine your risk for certain conditions and
steps to manage them
• Personal Health Record
Consumer choice Each member is provided access by Internet (www.myuhc.com) or telephone

information (1-800-718-1299) to information which you may use to support your important health and
wellness decisions, including:
• Online provider directory with complete national network and provider information
(i.e., address, telephone, specialty, practice hours, languages spoken)
• Network provider discounted pricing for comparative shopping
• Pricing information for prescription drugs
• General cost information for surgical and diagnostic procedures and for comparison of
different treatment options
• Provider quality information
• Health calculators on medical and wellness topics
Care support A 24-hour nurse advisory service for your use. This program is strictly voluntary and
confidential. You may call toll-free at 1-800-718-1299 to discuss an existing medical
concern or to receive information about numerous health care and self-care issues. This
also includes health coaching with a registered nurse when you want to discuss significant
medical decisions. TTY/TDD callers, please call the National Relay Center at
1-800-855-2880 and ask for 1-800-718-1299.
Identification and notification of potential patient safety issues (e.g., drug interactions).
Individual support with a health care professional for numerous medical conditions
including maternity, asthma, diabetes, congestive heart failure, healthy back and more.
Cancer Centers of Excellence (See Section 5(c), page 80).
Diabetes Management If you are an APWU Health Plan primary member enrolled in the Consumer Driven
Program Option's Diabetes Disease Management program and participate as required by the
program, you may be eligible for the following incentives payable at 100% for In-network
services only:
• In-network medical office visits for diabetes management (this does not include visits
to a Podiatrist or Ophthalmologist)
• In-network lab tests related to diabetes management
• Generic drugs from Medco by Mail for the specific purpose of lowering your blood
sugar
• Insulin from Medco by Mail
• Test strips, lancets, syringes and pen needles from Medco by Mail
• Insulin Pump (Preauthorization is required) and Insulin Pump supplies purchased in-
network
2011 APWU Health Plan 88 CDHP Section 5(d)

CDHP
primary), you do not have to enroll in the Diabetes Disease Management program, you
may be eligible for the following incentives payable at 100%:
• Generic drugs from Medco by Mail for the specific purpose of lowering your blood
sugar
• Insulin from Medco by Mail
• Test strips, lancets, syringes and pen needles from Medco by Mail
• In-network lab tests related to diabetes management
• Insulin Pump (Preauthorization is required) and Insulin Pump supplies purchased in-
network
Health Plan enrollment. For more information contact UnitedHealthcare at
1-800-718-1299.
Special Programs Online programs and services provide extra support and savings, at www.myuhc.com
User ID: APWUCDO; Password: CDOINFO
• Healthy Pregnancy Program - Mothers-to-be receive support through every stage of
pregnancy and delivery.
• Healthy Back Program - Help for preventing or dealing with back pain before it
becomes a recurring or long-term issue.
• Cancer Support Program - Enroll in the program, and receive enhanced benefits at
Cancer Centers of Excellence.
• Source4Women - Resource designed for women to learn how to keep the entire
family healthy.
2011 APWU Health Plan 89 CDHP Section 5(d)

CDHP
Section 5 (e). Special features

Special features Description
Flexible benefits option Under the flexible benefits option, we determine the most effective way to provide
services.
• We may identify medically appropriate alternatives to traditional care and coordinate
other benefits as a less costly alternative benefit. If we identify a less costly
alternative, we will ask you to sign an alternative benefits agreement that will include
all of the following terms. Until you sign and return the agreement, regular contract
benefits will continue.
• Alternative benefits will be made available for a limited time period and are subject to
our ongoing review. You must cooperate with the review process.
• By approving an alternative benefit, we cannot guarantee you will get it in the future.
• The decision to offer an alternative benefit is solely ours, and except as expressly
provided in the agreement, we may withdraw it at any time and resume regular
contract benefits.
• If you sign the agreement, we will provide the agreed-upon alternative benefits for the
stated time period (unless circumstances change). You may request an extension of the
time period, but regular benefits will resume if we do not approve your request.
• Our decision to offer or withdraw alternative benefits is not subject to OPM review
under the disputed claims process.
2011 APWU Health Plan 90 CDHP Section 5(e)

Non-FEHB benefits available to Plan members
The benefits on this page are not part of the FEHB contract or premium, and you cannot file an FEHB disputed claim
about them. Fees you pay for these services do not count toward FEHB deductibles or catastrophic protection out-of-pocket
maximums. These programs and materials are the responsibility of the Plan, and all appeals must follow the Plan’s
guidelines. For additional information contact the Plan at 1-800-222-APWU (2798) or visit their website at www.apwuhp.
com.
American Hearing Benefits 1-866-925-1287
www.americanhearingbenefits.com
The American Hearing Benefits program is an optional program with no additional premium that supplements the benefits in
your APWU Health Plan coverage. All participants of the APWU Health Plan, either High Option or Consumer Driven
Option, who enroll in the Amercan Hearing Benefits Plan through this offer will receive a discount on hearing aid devices
offered through Starkey. To enroll in the plan you must call American Hearing Benefits toll free at 1-866-925-1287. Please
specify that you are an APWU Health Plan participant.
Availability: The American Hearing Benefits Plan is available to all Active, Retired, Associate and Transitional Employees,
APWU Members in all States and Territories of the United States.
Coverage Description: With this optional plan you must contact American Hearing Benefits (AHB) to activate the benefit.
AHB will locate a local provider in your area and schedule your first member visit. After the first visit with a provider,
members may schedule additional appointments with the same provider at will. Discounts are applied at the time services
are rendered.
This Program is available to Group members and their immediate families without any charge. This Program involves the
extension of a negotiated discount on certain product and services available from certain hearing aid providers and does not
involve the provision of insurance. The program discounts are subject to change. It is your responsibility to determine
whether the products and services you elect to purchase are covered by the Program by calling AHB toll free at
1-866-925-1287.
Coverage Schedule:
• Free hearing screenings annually for members and their immediate family
• Referrals to local providers
• Discounts up to 40%-60% off suggested MSRP prices on Starkey digital hearing instruments
• A full two year extended warranty included with every purchase of Starkey hearing aid at no additional cost
The Supplemental Discount Drug Program 1-800/818-6717
www.medco.com
The Supplemental Discount Drug Program is a value-added program that provides members with access to discounts on
prescription drugs not covered by the prescription drug plan when ordered through Medco's Mail Service Pharmacies.
Specifically, the Supplemental Discount Drug Program will provide discounts to members on all FDA-approved prescription
drugs that are dispensed through Medco mail-order pharmacies, yet are not covered under the prescription drug plan
administered by Medco.
Availability: The Supplemental Discount Drug Program is available to all High Option Plan members only.
Coverage Description: You pay 100% of the discounted price. You cannot file a claim for off-plan prescriptions.
• Call Medco first at 1-800-818-6717 to find out the price of off-plan prescriptions.
• Obtain the prescription from your physician.
• Complete a Medco mail order envelope and enclose your prescription along with your check or credit card number. You
must include full payment with your order for prescriptions.
Benefits on this page are not part of the FEHB contract
2011 APWU Health Plan 91 Non-FEHB benefits available to Plan members Section 5
The benefits on this page are not part of the FEHB contract or premium, and you cannot file an FEHB disputed claim
about them. Fees you pay for these services do not count toward FEHB deductibles or catastrophic protection out-of-pocket
maximums.
Voluntary Benefits Plan Dental Plan

The Voluntary Benefits Plan Dental program is an optional program with an additional premium that supplements the dental
benefits in your APWU Health Plan coverage. All participants of the APWU Health Plan, either High Option or Consumer
Driven Option, who enroll in the Voluntary Benefits Plan Dental Plan through this offer will receive a discount in the regular
premiums for that program. To enroll in this additional coverage, complete and sign the Voluntary Benefits Plan Dental Plan
enrollment form, which you can obtain from your APWU Health Plan representative or by calling the Voluntary Benefits
Plan office at the toll-free number listed below. Please specify that you are an APWU Health Plan participant.
Availability: The Voluntary Benefits Plan Dental Plan is available to all Active, Retired, Associate and Transitional
Employees, APWU Members in all 50 States and The District of Columbia.
Coverage Description: This optional dental plan is an indemnity insurance plan underwritten by the United States Life
Insurance Company. You may use any dentist you choose. Covered services are reimbursed as a percentage of the
“Reasonable and Customary” charges for that service in the state where the charge is incurred. Once you have satisfied the
continuous coverage limitations of the program, there are no further waiting periods as long as you remain continuously
insured under the plan. Both you and your eligible dependents (spouse and unmarried children to age 19 - full-time students
to age 25) can be insured under this plan.
Coverage Schedule:
• Calendar Year Deductible:
- $50 per person - Type I benefits
- $100 per person - Type II and Type III benefits, combined
• Calendar Year Maximum:
- $1,500 per person for all covered services
- $500 per person for all eligible Orthodontic services, if Optional Orthodontic Coverage is selected
• Lifetime Maximum:
- $1,000 for Orthodontic services, if Optional Orthodontic Coverage is selected
After the Annual Deductible, this plan will pay:

Benefit Schedule High Option Plan Low Option Plan
Type I Benefits: Preventive 100% 100%
Services of the Reasonable and Customary of the Reasonable and Customary
charges charges
Exams / X-rays / Cleanings
Type II Benefits: Basic Services 80% 50%
of the Reasonable and Customary of the Reasonable and Customary
Fillings / Oral Surgery / charges charges
Extractions (6 month waiting period) (6 month waiting period)
Type III Benefits: Major Services 50% 50%
of the Reasonable and Customary of the Reasonable and Customary
Crowns / Bridges / Dentures / charges charges
Periodontics (12 month waiting period) (18 month waiting period)
Type IV Benefits: (Optional 50% 50%
Coverage) of the Reasonable and Customary of the Reasonable and Customary
charges charges
Orthodontic (24 month waiting period) (24 month waiting period)
This is a partial summary of the terms, conditions and limitations of the Dental Plan policy #G-224,540. For more
information regarding the coverage, rates or to receive an enrollment form, please contact the Voluntary Benefits Plan office
by calling or writing:
Voluntary Benefits Plan 1-800-422-4492
P.O. Box 1471 1-203-754-4410 (TDD)
Waterbury, CT 06721 www.voluntarybenefitsplan.com
Benefits on this page are not part of the FEHB contract
Section 6. General exclusions – things we don’t cover
The exclusions in this section apply to all benefits. There may be other exclusions and limitations listed in Section 5 of this
brochure. Although we may list a specific service as a benefit, we will not cover it unless we determine it is medically
necessary to prevent, diagnose, or treat your illness, disease, injury, or condition (see specifics regarding transplants).
We do not cover the following:
• Services, drugs, or supplies you receive while you are not enrolled in this Plan
• Services, drugs, or supplies that are not medically necessary
• Services, drugs, or supplies not required according to accepted standards of medical, dental, or psychiatric practice
• Experimental or investigational procedures, treatments, drugs or devices (see specifics regarding transplants)
• Services, drugs, or supplies related to abortions, except when the life of the mother would be endangered if the fetus were
carried to term, or when the pregnancy is the result of an act of rape or incest
• Services, drugs, or supplies related to sex transformations, sexual dysfunction or sexual inadequacy except for organic
impotence as shown on pages 14, 37, 51, 75 and 84
• Services, drugs, or supplies for weight reduction/control or treatment of obesity except as shown under Surgical benefits,
Section 5
• Services, drugs, or supplies you receive from a provider or facility barred from the FEHB Program
• Services, drugs and supplies for which no charge would be made if the covered individual had no health insurance
coverage
• Computer “story boards,” “light talkers,” or other communication aids for communication-impaired individuals
• Services, drugs, or supplies you receive without charge while in active military service
• Services, drugs and supplies furnished by immediate relatives or household members, such as spouse, parent, child,
brother, or sister by blood, marriage, or adoption
• Services and supplies furnished or billed by a noncovered facility, except that medically necessary prescription drugs and
physical, speech and occupational therapy rendered by a qualified professional therapist on an outpatient basis are covered
subject to Plan limits
• Services, supplies and drugs not specifically listed as covered
• Services, supplies and drugs furnished or billed by someone other than a covered provider as defined on page 10
• Any portion of a provider’s fee or charge ordinarily due from the enrollee but that has been waived. If a provider routinely
waives (does not require the enrollee to pay) a deductible, copay or coinsurance, we will calculate the actual provider fee
or charge by reducing the fee or charge by the amount waived
• Charges which you or we have no legal obligation to pay, such as excess charges for an annuitant age 65 or older who is
not covered by Medicare Parts A and/or B (see pages 19, 20 and 21), doctor charges exceeding the amount specified by the
Department of Health and Human Services when benefits are payable under Medicare (limiting charge) (see page 21, or
State premium taxes however applied
• Biofeedback; non-medical self care or self help training, such as recreational, educational, or milieu therapy; or
• Charges that we determine to be in excess of the Plan allowance.
• "Never Events" are errors in patient care that can and should be prevented. The APWU Health Plan will follow the policy
of the Centers for Medicare and Medicaid Services (CMS). The Plan will deny payments for care that fall under these
policies. For additional information, please visit www.cms.gov, and enter "Never Events" into SEARCH box.

Section 7. Filing a claim for covered services
There are four types of claims. Three of the four types - Urgent care claims, Pre-service claims, and Concurrent review
claims - usually involve access to care where you need to request and receive our advance approval to receive coverage for a
particular service or supply covered under this Brochure. See Section 3 for more information on these claims/requests and
Section 10 for the definitions of these three types of claims.
The fourth type - Post-service claims - is the claim for payment of benefits after services or supplies have been received.
• How to claim benefits High Option: To obtain claim forms, claims filing advice or answers about our benefits,
contact us at 1-800-222-APWU (2798), or at our Web site at www.apwuhp.com.
Mail to:
• CIGNA Healthcare, P.O. Box 5909, Scranton, PA 18505, Or Payor ID 62308
VI Equicare claims to:

• APWU Health Plan, P.O. Box 1358, Glen Burnie, MD 21060-1358, Or Payor ID
44444
Consumer Driven Option: Contact UnitedHealthcare at 1-800-718-1299 or visit their

Web site at www.myuhc.com. User ID: APWUCDO Password: CDOINFO
Mail to:
• United HealthCare, P.O. Box 740810, Atlanta, GA 30374-0810
In most cases, providers and facilities file claims for you. Your physician must file on the
form CMS-1500, Health Insurance Claim Form. Your facility will file on the UB-04 form.
For claims questions and assistance, call us at 1-800-222-APWU (2798).
When you must file a claim, such as when you use non-PPO providers, for services you
received overseas or when another group health plan is primary, submit it on the
CMS-1500 or a claim form that includes the information shown below. Bills and receipts
should be itemized and show:
• Name of patient and relationship to enrollee
• Plan identification number of the enrollee
• Name, address and taxpayer identification number of person or firm providing the
service or supply
• Dates that services or supplies were furnished
• Diagnosis
• Type of each service or supply; and
• The charge for each service or supply
Note: Canceled checks, cash register receipts, or balance due statements are not
acceptable substitutes for itemized bills.
In addition:
• You must send a copy of the explanation of benefits (EOB) statement you received
from any primary payor (such as the Medicare Summary Notice (MSN)) with your
claim.
• Bills for home nursing care must show that the nurse is a registered nurse, licensed
practical nurse or licensed vocational nurse.

• Claims for rental or purchase of durable medical equipment; private duty nursing; and
physical, occupational, and speech therapy require a written statement from the
physician specifying the medical necessity for the service or supply and the length of
time needed.
• Claims for prescription drugs and supplies that are not obtained from a network
pharmacy or through the Mail Service Prescription Drug Program must include
receipts that show the prescription number, the National Drug Code (NDC) number,
name of drug or supply, prescribing physician’s name, date, and charge.
• You should provide an English translation and currency conversion rate at the time of
services for claims for overseas (foreign) services.
Urgent care claims If you have an urgent care claim, please contact our Customer Service Department at
procedures 1-800-222-APWU (2798). Urgent care claims must meet the definition found in Section
10 of this brochure, and most urgent care claims will be claims for access to care rather
than claims for care already received. We will notify you of our decision not later than 24
hours after we receive the claim as long as you provide us with sufficient information to
decide the claim. If you or your authorized representative fails to provide sufficient
information to allow us to make a decision, we will inform you or your authorized
representative of the specific information necessary to complete the claim not later than 24
hours after we receive the claim and a time frame for our receipt of this information. We
will decide the claim within 48 hours of (i) receiving the information or (ii) the end of the
time frame, whichever is earlier.
We may provide our decision orally within these time frames, but we will follow up with a
written or electronic notification within three days of oral notification.
Concurrent care claims A concurrent care claim involves care provided over a period of time or over a number of
procedures treatments. We will treat any reduction or termination of our pre-approved course of
treatment as an appealable decision. If we believe a reduction or termination is warranted
we will allow you sufficient time to appeal and obtain a decision from us before the
reduction or termination takes effect.
If you request an extension of an ongoing course of treatment at least 24 hours prior to the
expiration of the approved time period and this is also an urgent care claim, then we will
make a decision within 24 hours after we receive the claim.
Pre-service claims As indicated in Section 3, certain care requires Plan approval in advance. We will notify
procedures you of our decision within 15 days after the receipt of the pre-service claim. If matters
beyond our control require an extension of time, we may take up to an additional 15 days
for review and we will notify you before the expiration of the original 15 day period. Our
notice will include the circumstances underlying the request for the extension and the date
when a decision is expected.
If we need an extension because we have not received necessary information from you,
our notice will describe the specific information required and we will allow you up to 60
days from the receipt of the notice to provide the information.
If you fail to follow these pre-service claim procedures, then we will notify you of your
failure to follow these procedures as long as (1) your request is made to our customer
service department and (2) your request names you, your medical condition or symptom,
and the specific treatment, service, procedure, or product requested. We will provide this
notice within five days following the failure or 24 hours if your pre-service claim is for
urgent care. Notification may be oral, unless you request written correspondence.

Post-service claims We will notify you of our decision within 30 days after we receive your post-service
procedures claim. If matters beyond our control require an extension of time, we may take up to an
additional 15 days for review and we will notify you before the expiration of the original
30 day period. Our notice will include the circumstances underlying the request for the
extension and the date when a decision is expected.
If we need an extension because we have not received necessary information from you,
our notice will describe the specific information requried and we will allow you up to 60
days from the receipt of the notice to provide the information.
Records Keep a separate record of the medical expenses of each covered family member as
deductibles and maximum allowances apply separately to each person. Save copies of all
medical bills, including those you accumulate to satisfy a deductible. In most instances
they will serve as evidence of your claim. We will not provide duplicate or year-end
statements.
Deadline for filing your Send us all of the documents for your claim as soon as possible. You must submit the
claim claim by December 31 of the year after the year you received the service, unless timely
filing was prevented by administrative operations of Government or legal incapacity,
provided the claim was submitted as soon as reasonably possible. Once we pay benefits,
there is a three-year limitation on the reissuance of uncashed checks.
Overseas claims For covered services you receive in hospitals outside the United States and Puerto Rico
and performed by physicians outside the United States, send a completed Claim Form and
the itemized bills to the following address. Also send any written inquiries concerning the
processing of overseas claims to:
• High Option: APWU Health Plan, P.O. Box 1358, Glen Burnie, MD 21060-1358.
• Consumer Driven Option: UnitedHealthcare at the claims address shown on the back
of your UnitedHealthcare ID card.
When we need more Please reply promptly when we ask for additional information. We may delay processing
information or deny benefits for your claim if you do not respond. Our deadline for responding to
your claim is stayed while we await all of the additional information needed to process
your claim.
Authorized You may designate an authorized representative to act on your behalf for filing a claim or
Representative to appeal claims decisions to us. For urgent care claims, a health care professional with
knowledge of your medical condition will be permitted to act as your authorized
representative without your express consent. For the purposes of this section, we are also
referring to your authorized representative when we refer to you.

Section 8. The disputed claims process
Please follow this Federal Employees Health Benefits Program disputed claims process if you disagree with our decision on
your claim or request for services, drugs, or supplies - including a request for preauthorization/prior approval required by
Section 3. You may be able to appeal to the U.S. Office of Personnel Management (OPM) immediately if we do not follow
the particular requirements of this disputed claims process. For more information about situations in which you are entitled
to immediately appeal and how to do so, please visit www.apwuhp.com. Disagreements between you and the CDHP or
HDHP fiduciary regarding the adminstration of an HSA or HRA are not subject to the disputed claims process.
To help you prepare your appeal, you may arrange with us to review and copy, free of charge, all relevant materials and Plan
documents under our control relating to your claim, including those that involve any expert review(s) of your claim.
Step Description
Ask us in writing to reconsider our initial decision. You must:
1
(a) Write to us within 6 months from the date of our decision; and
(b) Send your High Option request to us at: APWU Health Plan, P.O. Box 1358, Glen Burnie, MD
21060-1358 or send your Consumer Driven Option request to: UnitedHealthcare Appeals, P.O. Box 30573,
Salt Lake City, UT 84130-0573; and
(c) Include a statement about why you believe our initial decision was wrong, based on specific benefit
provisions in this brochure; and
(d) Include copies of documents that support your claim, such as physicians’ letters, operative reports, bills,
medical records, and explanation of benefits (EOB) statements.
(e) Include your email address (optional), if you would like to receive our decision via email. Please note
that by giving us your email, we may be able to provide our decision more quickly.
We have 30 days from the date we receive your request to:

2
(a) Pay the claim (or, if applicable, arrange for the health care provider to give you the care or precertify your
hospital stay or grant your request for prior approval for a service, drug, or supply); or
(b) Write to you and maintain our denial -- go to step 4; or
(c) Ask you or your provider for more information. If we ask your provider, we will send you a copy of our
request -- go to step 3.
You or your provider must send the information so that we receive it within 60 days of our request. We will
3 then decide within 30 more days.
If we do not receive the information within 60 days, we will decide within 30 days of the date the
information was due. We will base our decision on the information we already have.
We will write to you with our decision.
In the case of an appeal of an urgent care claim, we will notify you of our decision not later than 72 hours
after receipt of your reconsideration request. We will hasten the review process, which allows oral or written
requests for appeals and the exchange of information by telephone, electronic mail, facsimile, or other
expeditious methods.
If you do not agree with our decision, you may ask OPM to review it.
4
You must write to OPM within:
• 90 days after the date of our letter upholding our initial decision; or
• 120 days after you first wrote to us -- if we did not answer that request in some way within 30 days; or
• 120 days after we asked for additional information

Write to OPM at: United States Office of Personnel Management, Insurance Operations, Health Insurance 2,
1900 E Street, NW, Washington, DC 20415-3620.
Send OPM the following information:

• A statement about why you believe our decision was wrong, based on specific benefit provisions in this
brochure;
• Copies of documents that support your claim, such as physicians’ letters, operative reports, bills, medical
records, and explanation of benefits (EOB) forms;
• Copies of all letters you sent to us about the claim;
• Copies of all letters we sent to you about the claim; and
• Your daytime phone number and the best time to call.
• Your email address, if you would like to receive OPM’s decision via email. Please note that by providing
your email address, you may receive OPM’s decision more quickly.
Note: If you want OPM to review more than one claim, you must clearly identify which documents apply to
which claim.
Note: You are the only person who has a right to file a disputed claim with OPM. Parties acting as your
representative, such as medical providers, must include a copy of your specific written consent with the
review request. However, for urgent care claims, a health care professional with knowledge of your medical
condition may act as your authorized representative without your express consent.
Note: The above deadlines may be extended if you show that you were unable to meet the deadline because
of reasons beyond your control.
OPM will review your disputed claim request and will use the information it collects from you and us to
5 decide whether our decision is correct. OPM will send you a final decision within 60 days. There are no
other administrative appeals.
If you do not agree with OPM’s decision, your only recourse is to sue. If you decide to sue, you must file the
suit against OPM in Federal court by December 31 of the third year after the year in which you received the
disputed services, drugs, or supplies or from the year in which you were denied precertification or prior
approval. This is the only deadline that may not be extended.
OPM may disclose the information it collects during the review process to support their disputed claim
decision. This information will become part of the court record.
You may not sue until you have completed the disputed claims process. Further, Federal law governs your
lawsuit, benefits, and payment of benefits. The Federal court will base its review on the record that was
before OPM when OPM decided to uphold or overturn our decision. You may recover only the amount of
benefits in dispute.
Note: If you have a serious or life threatening condition (one that may cause permanent loss of bodily
functions or death if not treated as soon as possible), and you did not indicate that your claim was a claim for
urgent care, then call us at 1-800-222-APWU (2798). We will hasten our review (if we have not yet
responded to your claim); or we will inform OPM so they can quickly review your claim on appeal. You
may call OPM’s Health Insurance at 1-202-606-3818 between 8 a.m. and 5 p.m. eastern time.

Section 9. Coordinating benefits with other coverage
When you have other You must tell us if you or a covered family member has coverage under any other health
health coverage plan or has automobile insurance that pays health care expenses without regard to fault.
This is called “double coverage.”
When you have double coverage, one plan normally pays its benefits in full as the primary
payor and the other plan pays a reduced benefit as the secondary payor. We, like other
insurers, determine which coverage is primary according to the National Association of
Insurance Commissioners’ guidelines.
When we are the primary payor, we will pay the benefits described in this brochure.
When we are the secondary payor, we will determine our allowance. After the primary
plan pays, we will pay what is left of our allowance, up to our regular benefit. We will not
pay more than our allowance. When we are secondary payor, we will not waive specified
visit limits.
Please see Section 4, Your costs for covered services, for more information about how
we pay claims.
What is Medicare? Medicare is a health insurance program for:

• People 65 years of age and older;
• Some people with disabilities, under 65 years of age; and
• People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a
transplant)
Medicare has four parts:

• Part A (Hospital Insurance). Most people do not have to pay for Part A. If you or
your spouse worked for at least 10 years in Medicare-covered employment, you
should be able to qualify for premium-free Part A insurance. (If you were a Federal
employee at any time both before and during January 1983, you will receive credit for
your Federal employment before January 1983.) Otherwise, if you are age 65 or older,
you may be able to buy it. Contact 1-800-MEDICARE (1-800-633-4227), (TTY
1-877-486-2048) for more information.
• Part B (Medical Insurance). Most people pay monthly for Part B. Generally, Part B
premiums are withheld from your monthly Social Security check or your retirement
check.
• Part C (Medicare Advantage). You can enroll in a Medicare Advantage plan to get
your Medicare benefits. We do not offer a Medicare Advantage plan. Please review
the information on coordinating benefits with Medicare Advantage plans on page 102.
• Part D (Medicare prescription drug coverage). There is a monthly premium for Part D
coverage. If you have limited savings and a low income, you may be eligible for
Medicare’s Low-Income Benefits. For people with limited income and resources,
extra help in paying for a Medicare prescription drug plan is available. Information
regarding this program is available through the Social Security Administration (SSA).
For more information about this extra help, visit SSA online at www.socialsecurity.
gov or call them at 1-800-772-1213, (TTY 1-800-325-0778). Before enrolling in
Medicare Part D, please review the important disclosure notice from us about the
FEHB prescription drug coverage and Medicare. The notice is on the first inside page
of this brochure. The notice will give you guidance on enrolling in Medicare Part D.

• Should I enroll in The decision to enroll in Medicare is yours. We encourage you to apply for Medicare
Medicare? benefits 3 months before you turn age 65. It’s easy. Just call the Social Security
Administration toll-free number 1-800-772-1213, (TTY 1-800-325-0778) to set up an
appointment to apply. If you do not apply for one or more Parts of Medicare, you can still
be covered under the FEHB Program.
If you can get premium-free Part A coverage, we advise you to enroll in it. Most Federal
employees and annuitants are entitled to Medicare Part A at age 65 without cost. When
you don’t have to pay premiums for Medicare Part A, it makes good sense to obtain the
coverage. It can reduce your out-of-pocket expenses as well as costs to the FEHB, which
can help keep FEHB premiums down.
Everyone is charged a premium for Medicare Part B coverage. The Social Security
Administration can provide you with premium and benefit information. Review the
information and decide if it makes sense for you to buy the Medicare Part B coverage. If
you do not sign up for Medicare Part B when you are first eligible, you may be charged a
Medicare Part B late enrollment penalty of a 10 % increase in premium for every 12
months you are not enrolled. If you didn't take Part B at age 65 because you were covered
under FEHB as an active employee (or you were covered under your spouse's group
health insurance plan and he/she was an active employee), you may sign up for Part B
(generally without an increased premium) within 8 months from the time you or your
spouse stop working or are no longer covered by the group plan. You also can sign up at
any time while you are covered by the group plan.
If you are eligible for Medicare, you may have choices in how you get your health care.
Medicare Advantage is the term used to describe the various private health plan choices
available to Medicare beneficiaries. The information in the next few pages shows how we
coordinate benefits with Medicare, depending on whether you are in the Original
Medicare Plan or a private Medicare Advantage plan.
(Please refer to pages 19, 20 and 21 for information about how we provide benefits
when you are age 65 or older and do not have Medicare.)
• The Original The Original Medicare Plan (Original Medicare) is available everywhere in the United
Medicare Plan (Part States. It is the way everyone used to get Medicare benefits and is the way most people
A or Part B) get their Medicare Part A and Part B benefits now. You may go to any doctor, specialist, or
hospital that accepts Medicare. The Original Medicare Plan pays its share and you pay
your share.
All physicians and other providers are required by law to file claims directly to Medicare
for members with Medicare Part B, when Medicare is primary. This is true whether or not
they accept Medicare.
When you are enrolled in Original Medicare, along with this Plan, you still need to follow
the rules in this brochure for us to cover your care.
Claims process when you have the Original Medicare Plan - You will probably not
need to file a claim form when you have both our Plan and the Original Medicare Plan.
When we are the primary payor, we process the claim first. In this case, we do not waive
any out-of-pocket costs.
When Original Medicare is the primary payor, Medicare processes your claim first. In
most cases, your claim will be coordinated automatically and we will then provide
secondary benefits for covered charges. To find out if you need to do something to file
your claim, call us at 1-800-222-APWU (2798) or contact us at our Web site at www.
apwuhp.com.
We waive some costs if the Original Medicare Plan is your primary payor.
Under the High Option, we will waive some out-of-pocket costs as follows:

• Inpatient hospital service. If you are enrolled in Medicare Part A, we will waive the
deductible, copayment and coinsurance
• Medical services and supplies provided by physicians and other health care
professionals. If you are enrolled in Medicare Part B, we will waive the deductible and
coinsurance
Under the Consumer Driven Option, when Original Medicare (either Medicare Part A
or Medicare Part B) is the primary payer, we will not waive any out-of-pocket costs.
Note: We do not waive our deductible, copayments or coinsurance for prescription drugs
or for services and supplies that Medicare does not cover. Also, we do not waive benefit
limitations, such as the 12-visit limit for chiropractic services or the 60-visit limit for
physical, occupational or speech therapy.
You can find more information about how our plan coordinates benefits with Medicare in
APWU Health Plan's Guide to Medicare at www.apwuhp.com.
• Tell us about your You must tell us if you or a covered family member has Medicare coverage, and let us
Medicare coverage obtain information about services denied or paid under Medicare if we ask. You must also
tell us about other coverage you or your covered family members may have, as this
coverage may affect the primary/secondary status of this Plan and Medicare.
• Private contract with A physician may ask you to sign a private contract agreeing that you can be billed directly
your physician for services ordinarily covered by Original Medicare. Should you sign an agreement,
Medicare will not pay any portion of the charges, and we will not increase our payment.
We will still limit our payment to the amount we would have paid after Original
Medicare’s payment. You may be responsible for paying the difference between the billed
amount and the amount we paid.
• Medicare Advantage If you are eligible for Medicare, you may choose to enroll in and get your Medicare
(Part C) benefits from a Medicare Advantage plan. These are private health care choices (like
HMOs and regional PPOs) in some areas of the country. To learn more about Medicare
Advantage plans, contact Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY
1-877-486-2048) or at www.medicare.gov.
This Plan and another plan’s Medicare Advantage plan: You may enroll in another
plan’s Medicare Advantage plan and also remain enrolled in our FEHB plan. We will still
provide benefits when your Medicare Advantage plan is primary, even out of the Medicare
Advantage plan’s network and/or service area (if you use our Plan providers), but we will
not waive any of our copayments, coinsurance, or deductibles. If you enroll in a Medicare
Advantage plan, tell us. We will need to know whether you are in the Original Medicare
Plan or in a Medicare Advantage plan so we can correctly coordinate benefits with
Medicare.
Suspended FEHB coverage to enroll in a Medicare Advantage plan: If you are an

annuitant or former spouse, you can suspend your FEHB coverage to enroll in a Medicare
Advantage plan, eliminating your FEHB premium. (OPM does not contribute to your
Medicare Advantage plan premium.) For information on suspending your FEHB
enrollment, contact your retirement office. If you later want to re-enroll in the FEHB
Program, generally you may do so only at the next Open Season unless you involuntarily
lose coverage or move out of the Medicare Advantage plan’s service area.
• Medicare prescription When we are the primary payor, we process the claim first. If you enroll in Medicare Part
drug coverage D and we are the secondary payor, we will review claims for your prescription drug costs
(Part D) that are not covered by Medicare Part D and consider them for payment under the FEHB
plan.

Medicare always makes the final determination as to whether they are the primary payor. The following chart illustrates
whether Medicare or this Plan should be the primary payor for you according to your employment status and other factors
determined by Medicare. It is critical that you tell us if you or a covered family member has Medicare coverage so we can
administer these requirements correctly. (Having coverage under more than two health plans may change the order of
benefits determined on this chart.)
Primary Payor Chart

A. When you - or your covered spouse - are age 65 or over and have Medicare and you... The primary payor for the
individual with Medicare is...
Medicare This Plan
1) Have FEHB coverage on your own as an active employee
2) Have FEHB coverage on your own as an annuitant or through your spouse who is an
annuitant
3) Have FEHB through your spouse who is an active employee
4) Are a reemployed annuitant with the Federal government and your position is excluded from
the FEHB (your employing office will know if this is the case) and you are not covered under
FEHB through your spouse under #3 above
5) Are a reemployed annuitant with the Federal government and your position is not excluded
from the FEHB (your employing office will know if this is the case) and...
• You have FEHB coverage on your own or through your spouse who is also an active
employee
• You have FEHB coverage through your spouse who is an annuitant
6) Are a Federal judge who retired under title 28, U.S.C., or a Tax Court judge who retired
under Section 7447 of title 26, U.S.C. (or if your covered spouse is this type of judge) and
you are not covered under FEHB through your spouse under #3 above
7) Are enrolled in Part B only, regardless of your employment status for Part B for other
services services
8) Are a Federal employee receiving Workers' Compensation disability benefits for six months *
or more
B. When you or a covered family member...
1) Have Medicare solely based on end stage renal disease (ESRD) and...
• It is within the first 30 months of eligibility for or entitlement to Medicare due to ESRD
(30-month coordination period)
• It is beyond the 30-month coordination period and you or a family member are still entitled
to Medicare due to ESRD
2) Become eligible for Medicare due to ESRD while already a Medicare beneficiary and...
• This Plan was the primary payor before eligibility due to ESRD (for 30 month
coordination period)
• Medicare was the primary payor before eligibility due to ESRD
3) Have Temporary Continuation of Coverage (TCC) and...
• Medicare based on age and disability
• Medicare based on ESRD (for the 30 month coordination period)
• Medicare based on ESRD (after the 30 month coordination period)
C. When either you or a covered family member are eligible for Medicare solely due to
disability and you...
1) Have FEHB coverage on your own as an active employee or through a family member who
is an active employee
2) Have FEHB coverage on your own as an annuitant or through a family member who is an
annuitant
D. When you are covered under the FEHB Spouse Equity provision as a former spouse
*Workers' Compensation is primary for claims related to your condition under Workers' Compensation.

TRICARE and TRICARE is the health care program for eligible dependents of military persons, and
CHAMPVA retirees of the military. TRICARE includes the CHAMPUS program. CHAMPVA
provides health coverage to disabled Veterans and their eligible dependents. If TRICARE
or CHAMPVA and this Plan cover you, we pay first. See your TRICARE or CHAMPVA
Health Benefits Advisor if you have questions about these programs.
Suspended FEHB coverage to enroll in TRICARE or CHAMPVA: If you are an

annuitant or former spouse, you can suspend your FEHB coverage to enroll in one of
these programs, eliminating your FEHB premium. (OPM does not contribute to any
applicable plan premiums.) For information on suspending your FEHB enrollment,
contact your retirement office. If you later want to re-enroll in the FEHB Program,
generally you may do so only at the next Open Season unless you involuntarily lose
coverage under TRICARE or CHAMPVA.
Workers’ Compensation We do not cover services that:

• You (or a covered family member) need because of a workplace-related illness or
injury that the Office of Workers’ Compensation Programs (OWCP) or a similar
Federal or State agency determines they must provide; or
• OWCP or a similar agency pays for through a third party injury settlement or other
similar proceeding that is based on a claim you filed under OWCP or similar laws.
Once OWCP or similar agency pays its maximum benefits for your treatment, we will
cover your care.
Medicaid When you have this Plan and Medicaid, we pay first.
Suspended FEHB coverage to enroll in Medicaid or a similar State-sponsored

program of medical assistance: If you are an annuitant or former spouse, you can
suspend your FEHB coverage to enroll in one of these State programs, eliminating your
FEHB premium. For information on suspending your FEHB enrollment, contact your
retirement office. If you later want to re-enroll in the FEHB Program, generally you may
do so only at the next Open Season unless you involuntarily lose coverage under the State
program.
When other Government We do not cover services and supplies when a local, State, or Federal Government agency
agencies are responsible directly or indirectly pays for them.
for your care
When others are If we pay any benefits for an injury or illness caused by another person or entity or for
responsible for injuries which you are monetarily compensated based in whole or in part on the benefits paid by
the Plan, the Plan must be reimbursed up to the total amount of benefits we have paid.
This is called subrogation, and the obligation to reimburse the Plan extends to all
situations where you recover money from any source for an injury or illness on which the
Plan has paid benefits. This may include compensation coming from a lawsuit or claims
against a third party who caused your injury or illness; a third party’s insurance; or your
own automobile or homeowner’s insurance. The Plan must be reimbursed up to the total
amount of benefits paid for the injury or illness to you, your heirs, estate, administrators,
successors or assignees. The amount owed to the Plan will not be reduced for attorney’s
fees or costs nor because you were not fully compensated or “made whole” for the injury
or illness. You are obligated to reimburse the Plan even if the amount you receive is not
sufficient to compensate you fully. If you wish to discuss the amount of reimbursement
owed to the Plan, please contact our subrogation vendor at the contact information below.

You must promptly inform us if you or any one receiving benefits under the Plan has an
injury or illness for which the benefits paid might be subrogated. This includes promptly
responding to any questionnaires or surveys you receive inquiring about benefit claims
paid by the Plan. Failure to provide this information will delay the processing of your
benefit claims. If you make a claim or demand, whether in a lawsuit, insurance claim, or
otherwise, for compensation for an injury or illness for which the Plan has paid benefits
you must notify us of the status of all stages of your claim or demand, and inform us about
any recoveries you obtain, whether in or out of court. We may seek a lien on the proceeds
of your claim in order to reimburse the Plan up to the full amount of benefits we paid or
will pay. You agree that you will not do anything that would prevent us from being fully
reimbursed for benefits paid, and will cooperate in doing what is necessary to assist us in
recovering the benefits paid. All money recovered and in whatever manner it is
recovered, and regardless of how it is designated, must first be used to reimburse the Plan
before it is distributed in any form. If you receive a recovery and do not reimburse us, we
may reduce any subsequent benefit payments to you or any provider who provide you or
your dependents with medical care, until the Plan’s payments are recovered in total. If
you do not seek damages, you agree to let us try if we notify you of our intent and interest
in doing so; this includes the right of the Plan to sue the financially responsible person or
entity in your name.
You agree to assign any proceeds or recovery to the Plan when asked to do so. The Plan’s
right to full reimbursement applies even if the Plan paid benefits before we knew of the
accident or illness. Restrictive endorsements or other statements on checks accepted by
the Plan or its agents to reimburse the Plan in a subrogation matter will not bind the Plan.
If you need more information, please contact our subrogation vendor ODSA at P.O. Box
34188, Washington, DC 20043-4188, [email protected], or 1-877-535-1075 or
1-202-898-1075.
When you have Federal Some FEHB plans already cover some dental and vision services. When you are covered
Employees Dental and by more than one health/dental plan,
Vision Insurance Plan
(FEDVIP) Coverage provided under your FEHB plan remains as your primary coverage. FEDVIP
coverage pays secondary to that coverage. When you enroll in a dental and/or vision plan
on BENEFEDS.com, you will be asked to provide information on your FEHB plan so that
your plans can coordinate benefits. Providing your FEHB information will reduce your
out-of-pocket cost.
Clinical Trials If you are a participant in a clinical trial, this health plan will provide related care as
follows, if it is not provided by the clinical trial:
• Routine care costs - costs for routine services such as doctors visits, lab tests, X-rays
and scans, and hospitalizations related to treating the patient's condition, whether the
patient is in a clinical trial or is receiving standard therapy. These costs are covered by
this Plan.
• Extra care costs - costs related to taking part in a clinical trial such as additional tests
that a patient may need as part of the trial, but not as part of the patient's routine care.
This Plan does not cover these costs.
• Research costs - costs related to conducting the clinical trial such as research physician
and nurse time, analysis or results, and clinical tests performed only for research
purposes. These costs are generally covered by the clinical trials, this Plan does not
cover these costs.

Section 10. Definitions of terms we use in this brochure
Accidental injury An injury resulting from a violent external force.
Admission The period from entry (admission) into a hospital or other covered facility until discharge.
In counting days of inpatient care, the date of entry and the date of discharge are counted
as the same day.
Assignment Your authorization for us to pay benefits directly to the provider. We reserve the right to
pay you directly for all covered services.
Calendar year January 1 through December 31 of the same year. For new enrollees, the calendar year
begins on the effective date of their enrollment and ends on December 31 of the same
year.
Clinical Trials • Routine care costs - costs for routine services such as doctors visits, lab tests, x-rays
and scans, and hospitalizations related to treating the patient's condition, whether the
patient is in a clinical trial or is receiving standard therapy
• Extra care costs - costs related to taking part in a clinical trial such as additional tests
that a patient may need as part of the trial, but not as part of the patient's routine care
• Research costs - costs related to conducting the clinical trial such as research physician
and nurse time, analysis or results, and clinical tests performed only for research
purposes.
Coinsurance Coinsurance is the percentage of our allowance that you must pay for your care. You may
also be responsible for additional amounts. See page 16.
Copayment A copayment is a fixed amount of money you pay when you receive covered services. See
page 15.
Cost-sharing Cost-sharing is the general term used to refer to your out-of-pocket costs (e.g., deductible,
coinsurance and copayments) for the covered care your receive.
Covered services Services we provide benefits for, as described in this brochure.
Custodial care Treatment or services, regardless of who recommends them or where they are provided,
that could be rendered safely and reasonably by a person not medically skilled, or that are
designed mainly to help the patient with daily living activities. These activities include,
but are not limited to:
• Personal care such as help in: walking; getting in and out of bed; bathing; eating by
spoon, tube or gastrostomy; exercising; dressing
• Homemaking, such as preparing meals or special diets
• Moving the patient
• Acting as a companion or sitter
• Supervising medication that can usually be self administered; or
• Treatment or services that any person may be able to perform with minimal
instruction, including but not limited to recording temperature, pulse, and respirations,
or administration and monitoring of feeding systems
We determine which services are custodial care. Custodial care that lasts 90 days or more
is sometimes known as long term care.
Deductible A deductible is a fixed amount of covered expenses you must incur for certain covered
services and supplies before we start paying benefits for those services. See page 15.

Experimental or A drug, device, or biological product is experimental or investigational if the drug, device,
investigational service or biological product cannot be lawfully marketed without approval of the U.S. Food and
Drug Administration (FDA) and approval for marketing has not been given at the time it
is furnished. Approval means all forms of acceptance by the FDA.
A medical treatment or procedure, or a drug, device, or biological product is experimental

or investigational if 1) reliable evidence shows that it is the subject of ongoing phase I, II,
or III clinical trials or under study to determine its maximum tolerated dose, its toxicity, its
safety, its efficacy, or its efficacy as compared with the standard means of treatment or
diagnosis; or 2) reliable evidence shows that the consensus of opinion among experts
regarding the drug, device, or biological product or medical treatment or procedure is that
further studies or clinical trials are necessary to determine its maximum tolerated dose, its
toxicity, its safety, its efficacy, or its efficacy as compared with the standard means of
treatment or diagnosis.
Reliable evidence shall mean only published reports and articles in the authoritative
medical and scientific literature; the written protocol or protocols used by the treating
facility or the protocol(s) of another facility studying substantially the same drug, device,
or medical treatment or procedure; or the written informed consent used by the treating
facility or by another facility studying substantially the same drug, device, or medical
treatment or procedure.
Determination of experimental/investigational status may require review by a specialty

appropriate board-certified health care provider or appropriate government publications
such as those of the National Institute of Health, National Cancer Institute, Food and Drug
Administration, Agency of Health Care Policy & Research, and the National Library of
Medicine.
Group health coverage Health care coverage that a member is eligible for because of employment by,
membership in, or connection with, a particular organization or group that provides
payment for hospital, medical, or other health care services or supplies, or that pays a
specific amount for each day or period of hospitalization if that specified amount exceeds
$200 per day, including extension of any of these benefits through COBRA.
Health care professional A physician or other health care professional licensed, accredited, or certified to perform
specified health services consistent with state law.
Home health care agency An agency which meets all of the following:
• Is primarily engaged in providing, and is duly licensed or certified to provide, skilled
nursing care and therapeutic services
• Has policies established by a professional group associated with the agency or
organization. This professional group must include at least one registered nurse (R.N.)
to direct the services provided and it must provide for full-time supervision of each
service by a physician or registered nurse
• Maintains a complete medical record on each individual; and
• Has a full-time administrator
Hospice care program A coordinated program of home and inpatient palliative and supportive care for the
terminally ill patient and the patient's family provided by a medically supervised
specialized team under the direction of a duly licensed or certified Hospice Care Program.
Maintenance therapy Includes but is not limited to physical, occupational, or speech therapy where continued
therapy is not expected to result in significant restoration of a bodily function but is
utilized to maintain the current status.
Medically necessary Services, drugs, supplies or equipment provided by a hospital or covered provider of
health care services that we determine:
• Are appropriate to diagnose or treat the patient's condition, illness or injury

• Are consistent with standards of good medical practice in the United States
• Are not primarily for the personal comfort or convenience of the patient, the family, or
the provider
• Are not a part of or associated with the scholastic education or vocational training of
the patient; and
• In the case of inpatient care, cannot be provided safely on an outpatient basis
The fact that a covered provider has prescribed, recommended, or approved a service,
supply, drug or equipment does not, in itself, make it medically necessary.
Pharmacogenomics The study of a patient's genes to predict response to drugs and hence select the right drug
and the right quantity.
Plan allowance Our Plan allowance is the amount we use to determine our payment and your coinsurance
for covered services. Fee-for-service plans determine their allowances in different ways.
We determine our allowance as follows:
For PPO providers, our allowance is based on negotiated rates. PPO providers always
accept the Plan’s allowance as their charge for covered services.
For non-PPO providers, we base the Plan allowance on the lesser of the provider’s actual
charge or the allowed amount for the service you received. We determine the allowed
amount by using health care charges guides which compare charges of other providers for
similar services in the same geographical area. For surgery, doctor’s services, X-ray, lab
and therapies (physical, speech and occupational), we use guides prepared by the EMC
Corporation and Ingenix and apply these guides under the High Option at the 70th
percentile and under the Consumer Driven Option at the 80th percentile. We update these
charges guides at least once each year. If this information is not available, we will use
other credible sources including our own data.
For more information, see Differences between our allowance and the bill in Section 4.
Post-service claims Any claims that are not pre-service. In other words, post-service claims are those claims
where treatment has been performed and the claims have been sent to us in order to apply
for benefits.
Pre-Service claims Those claims (1) that require precertification, prior approval or a referral and (2) where
failure to obtain precertification, prior approval, or a referral results in a reduction of
benefits.
Rehabilitative care Treatment that reasonably can be expected to restore and/or substantially restore a bodily
function that was impaired as a result of trauma or disease.
Us/We Us and We refer to APWU Health Plan.
You You refers to the enrollee and each covered family member.
Urgent Care Claims A claim for medical care or treatment is an urgent care claim if waiting for the regular
time limit for non-urgent care claims could have one of the following impacts:
• Waiting could seriously jeopardize your life or health;
• Waiting could seriously jeopardize your ability to regain maximum function; or
• In the opinion of a physician with knowledge of your medical condition, waiting
would subject you to severe pain that cannot be adequately managed without the care
or treatment that is the subject of the claim.
Urgent care claims usually involve Pre-service claims and not Post-service claims. We
will judge whether a claim is an urgent care claim by applying the judgment of a prudent
layperson who possesses an average knowledge of health and medicine.

If you believe your claim qualifies as an urgent care claim, please contact our Customer
Service Department at 1-800-222-APWU (2798). You may also prove that your claim is
an urgent care claim by providing evidence that a physician with knowledge of your
medical condition has determined that your claim involves urgent care.

Consumer Driven Health Plan Definitions
Consumer Driven Option A fee-for-service option under the FEHB that offers you greater control over choices of
your health care expenditures. You decide what health care services will be reimbursed
under the Health Plan funded Personal Care Account (PCA). Unused funds from the PCA
will roll over at the end of the year. If you spend the entire PCA fund before the end of the
year, then you must satisfy a deductible before benefits are payable under the traditional
type of insurance covered by your Plan. You decide whether to use in-network or out-of-
network providers to reach the maximum fund allowed under your PCA.
Deductible Under the Consumer Driven Option, your Deductible is the amount you must pay, if you
have exhausted your Personal Care Account, before your Traditional Health Coverage
begins. See page 15.
Personal Care Account Under the Consumer Driven Option, your Personal Care Account (PCA) is an established
benefit amount which is available for you to use first to pay for covered hospital, medical,
dental and vision care expenses. You determine how your PCA will be spent and any
unused amount at the end of the year may be rolled over to increase your available PCA in
the subsequent year(s).
Rollover Any unused, remaining balance in your PCA at the end of the calendar year may be rolled
over to subsequent years up to a maximum PCA account of $5,000 per Self Only
enrollment or $10,000 per Self and Family enrollment, thereby increasing your PCA in the
following year(s). You must use any available PCA benefits, including any amounts rolled
over from previous years, before Traditional Health Coverage begins.

Section 11. FEHB Facts
Coverage information
• No pre-existing We will not refuse to cover the treatment of a condition you had before you enrolled in this Plan
condition limitation solely because you had the condition before you enrolled.
• Where you can get See www.opm.gov/insure/health for enrollment information as well as:
information about • Information on the FEHB Program and plans available to you
enrolling in the FEHB
Program • A health plan comparison tool
• A list of agencies who participate in Employee Express
• A link to Employee Express
• Information on and links to other electronic enrollment systems
Also, your employing or retirement office can answer your questions, and give you a Guide to
Federal Benefits brochures for other plans, and other materials you need to make an informed
decision about your FEHB coverage. These materials tell you:
• When you may change your enrollment;
• How you can cover your family members;
• What happens when you transfer to another Federal agency, go on leave without pay, enter
military service, or retire;
• What happens when your enrollment ends; and
• When the next Open Season for enrollment begins.
We don’t determine who is eligible for coverage and, in most cases, cannot change your
enrollment status without information from your employing or retirement office. For
information on your premium deductions, you must also contact your employing or retirement
office.
• Types of coverage Several provisions of the Affordable Care Act (ACA) affect the eligibility of family members
available for you and under the FEHB Program effective January 1, 2011.
your family

Children Coverage
Between ages 22 and 26 Children between the ages of 22 and 26 are
covered under their parent’s Self and Family
enrollment up to age 26.
Married Children Married children (but NOT their spouse or their
own children) are covered up to age 26. This is
true even if the child is currently under age 22.
Children with or eligible for employer-provided Children who are eligible for or have their own
health insurance employer-provided health insurance are eligible
for coverage up to age 26.
Stepchildren Stepchildren do not need to live with the
enrollee in a parent–child relationship to be
eligible for coverage up to age 26.
Children Incapable of Self-Support Children who are incapable of self-support
because of a mental or physical disability that
began before age 26 are eligible to continue
coverage. Contact your human resources office
or retirement system for additional formation.
Foster Children Foster children are eligible for coverage up to

age 26.
You can find additional information at www.opm.gov/insure.
Self Only coverage is for you alone. Self and Family coverage is for you, your spouse, and your
dependent children under age 26, including any foster children or stepchildren your employing or
retirement office authorizes coverage for. Under certain circumstances, you may also continue
coverage for a disabled child 26 years of age or older who is incapable of self-support.
If you have a Self Only enrollment, you may change to a Self and Family enrollment if you
marry, give birth, or add a child to your family. You may change your enrollment 31 days before
to 60 days after that event. The Self and Family enrollment begins on the first day of the pay
period in which the child is born or becomes an eligible family member. When you change to
Self and Family because you marry, the change is effective on the first day of the pay period that
begins after your employing office receives your enrollment form; benefits will not be available
to your spouse until you marry.
Your employing or retirement office will not notify you when a family member is no longer
eligible to receive benefits, nor will we. Please tell us immediately when you add or remove
family members from your coverage for any reason, including family members are added or lose
coverage for any reason, including your marriage, divorce, annulment, or when your child under
age 26 turns age 26.
If you or one of your family members is enrolled in one FEHB plan, that person may not be
enrolled in or covered as a family member by another FEHB plan.
• Children’s Equity Act OPM has implemented the Federal Employees Health Benefits Children’s Equity Act of 2000.
This law mandates that you be enrolled for Self and Family coverage in the FEHB Program, if
you are an employee subject to a court or administrative order requiring you to provide health
benefits for your child(ren).
If this law applies to you, you must enroll for Self and Family coverage in a health plan that
provides full benefits in the area where your children live or provide documentation to your
employing office that you have obtained other health benefits coverage for your children. If you
do not do so, your employing office will enroll you involuntarily as follows:

• If you have no FEHB coverage, your employing office will enroll you for Self and Family
coverage in the Blue Cross and Blue Shield Service Benefit Plan’s Basic Option;
• If you have a Self Only enrollment in a fee-for-service plan or in an HMO that serves the
area where your children live, your employing office will change your enrollment to Self and
Family in the same option of the same plan; or
• If you are enrolled in an HMO that does not serve the area where the children live, your
employing office will change your enrollment to Self and Family in the Blue Cross and Blue
Shield Service Benefit Plan’s Basic Option.
As long as the court/administrative order is in effect, and you have at least one child identified in
the order who is still eligible under the FEHB Program, you cannot cancel your enrollment,
change to Self Only, or change to a plan that doesn't serve the area in which your children live,
unless you provide documentation that you have other coverage for the children. If the court/
administrative order is still in effect when you retire, and you have at least one child still eligible
for FEHB coverage, you must continue your FEHB coverage into retirement (if eligible) and
cannot cancel your coverage, change to Self Only, or change to a plan that doesn't serve the area
in which your children live as long as the court/administrative order is in effect. Contact your
employing office for further information.
• When benefits and The benefits in this brochure are effective on January 1. If you joined this Plan during Open
premiums start Season, your coverage begins on the first day of your first pay period that starts on or after
January 1. If you changed plans or plan options during Open Season and you receive care
between January 1 and the effective date of coverage under your new plan or option, your
claims will be paid according to the 2011 benefits of your old plan or option except when
you are enrolled under this Plan's Consumer Driven Option. Under this Plan's Consumer Driven
Option, between January 1 and the effective date of your new plan (or change to High Option of
this Plan) you will not receive a new Personal Care Account (PCA) for 2011 but any
unused PCA benefits from 2010 will be available to you. However, if your old plan left the
FEHB Program at the end of the year, you are covered under that plan’s 2010 benefits until the
effective date of your coverage with your new plan. Annuitants’ coverage and premiums begin
on January 1. If you joined at any other time during the year, your employing office will tell you
the effective date of coverage.
If your enrollment continues after you are no longer eligible for coverage (i.e. you have
separated from Federal service) and premiums are not paid, you will be responsible for all
benefits paid during the period in which premiums were not paid. You may be billed for services
received directly from your provider. You may be prosecuted for fraud for knowingly using
health insurance benefits for which you have not paid premiums. It is your responsibility to
know when you or a family member are no longer eligible to use your health insurance coverage.
Under the Consumer Driven Option, if you joined this Plan during Open Season, you receive the
full Personal Care Account (PCA) as of your effective date of coverage. If you joined at any
other time during the year, your PCA and your Deductible for your first year will be prorated for
each full month of coverage remaining in that calendar year.
• When you retire When you retire, you can usually stay in the FEHB Program. Generally, you must have been
enrolled in the FEHB Program for the last five years of your Federal service. If you do not meet
this requirement, you may be eligible for other forms of coverage, such as Temporary
Continuation of Coverage (TCC).
When you lose benefits

• When FEHB coverage You will receive an additional 31 days of coverage, for no additional premium, when:
ends • Your enrollment ends, unless you cancel your enrollment, or
• You are a family member no longer eligible for coverage.

Any person covered under the 31 day extension of coverage who is confined in a hospital or
other institution for care or treatment on the 31st day of the temporary extension is entitled to
continuation of the benefits of the Plan during the continuance of the confinement but not
beyond the 60th day after the end of the 31 day temporary extension.
You may be eligible for spouse equity coverage or Temporary Continuation of Coverage (TCC),
or a conversion policy (a non-FEHB individual policy).
• Upon divorce If you are divorced from a Federal employee or annuitant, you may not continue to get benefits
under your former spouse’s enrollment. This is the case even when the court has ordered your
former spouse to provide health coverage for you. However, you may be eligible for your own
FEHB coverage under either the spouse equity law or Temporary Continuation of Coverage
(TCC). If you are recently divorced or are anticipating a divorce, contact your ex-spouse’s
employing or retirement office to get RI 70-5, the Guide to Federal Benefits for Temporary
Continuation of Coverage and Former Spouse Enrollees, or other information about your
coverage choices. You can also download the guide from OPM’s Web site, www.opm.gov/insure.
• Temporary If you leave Federal service, or if you lose coverage because you no longer qualify as a family
Continuation of member, you may be eligible for Temporary Continuation of Coverage (TCC). For example, you
Coverage (TCC) can receive TCC if you are not able to continue your FEHB enrollment after you retire, if you
lose your Federal job, if you are a covered dependent child and you turn age 26 regardless of
marital status, etc.
You may not elect TCC if you are fired from your Federal job due to gross misconduct.
Enrolling in TCC. Get the RI 79-27, which describes TCC, and the RI 70-5, the Guide to
Federal Benefits for Temporary Continuation of Coverage and Former Spouse Enrollees, from
your employing or retirement office or from www.opm.gov/insure. It explains what you have to
do to enroll.
• Converting to You may convert to a non-FEHB individual policy if:

individual coverage • Your coverage under TCC or the spouse equity law ends (If you canceled your coverage or
did not pay your premium, you cannot convert);
• You decided not to receive coverage under TCC or the spouse equity law; or
• You are not eligible for coverage under TCC or the spouse equity law.
If you leave Federal service, your employing office will notify you of your right to convert. You
must apply in writing to us within 31 days after you receive this notice. However, if you are a
family member who is losing coverage, the employing or retirement office will not notify you.
You must apply in writing to us within 31 days after you are no longer eligible for coverage.
Your benefits and rates will differ from those under the FEHB Program; however, you will not
have to answer questions about your health, and we will not impose a waiting period or limit
your coverage due to pre-existing conditions.
• Getting a Certificate of The Health Insurance Portability and Accountability Act of 1996 (HIPAA) is a Federal law that
Group Health Plan offers limited Federal protections for health coverage availability and continuity to people who
Coverage lose employer group coverage. If you leave the FEHB Program, we will give you a Certificate of
Group Health Plan Coverage that indicates how long you have been enrolled with us. You can
use this certificate when getting health insurance or other health care coverage. Your new plan
must reduce or eliminate waiting periods, limitations, or exclusions for health related conditions
based on the information in the certificate, as long as you enroll within 63 days of losing
coverage under this Plan. If you have been enrolled with us for less than 12 months, but were
previously enrolled in other FEHB plans, you may also request a certificate from those plans.

For more information, get OPM pamphlet RI 79-27, Temporary Continuation of Coverage (TCC)
under the FEHB Program. See also the FEHB Web site (www.opm.gov/insure/health); refer to
the “TCC and HIPAA” frequently asked questions. These highlight HIPAA rules, such as the
requirement that Federal employees must exhaust any TCC eligibility as one condition for
guaranteed access to individual health coverage under HIPAA, and have information about
Federal and State agencies you can contact for more information.
APWU Health Plan Notice The APWU Health Plan’s Notice of Privacy Practices describes how medical information about
of Privacy Practices you may be used by the Health Plan, your rights concerning your health information and how to
exercise them, and APWU Health Plan’s responsibilities in protecting your health information.
The Notice is posted on the Health Plan’s website. If you need to obtain a copy of the Health
Plan’s Notice of Privacy Practices, you may either contact the Health Plan via e-mail through the
website, www.apwuhp.com, or by calling 1-800-222-APWU (2798).

Section 12. Three Federal Programs complement FEHB benefits
Important information OPM wants to make sure you are aware of three Federal programs that complement the
FEHB Program.
First, the Federal Flexible Spending Account Program, also known as FSAFEDS, lets
you set aside pre-tax money from your salary to reimburse you for eligible dependent care
and/or health care expenses. You pay less in taxes so you save money. The result can be a
discount of 20% to more than 40% on services/products you routinely pay for out-of-
pocket.
Second, the Federal Employees Dental and Vision Insurance Program (FEDVIP)
provides comprehensive dental and vision insurance at competitive group rates. There are
several plans from which to choose. Under FEDVIP you may choose self only, self plus
one, or self and family coverage for yourself and any eligible dependents.
Third, the Federal Long Term Care Insurance Program (FLTCIP) can help cover long
term care costs, which are not covered under the FEHB Program.
The Federal Flexible Spending Account Program - FSAFEDS

What is an FSA? It is an account where you contribute money from your salary BEFORE taxes are
withheld, then incur eligible expenses and get reimbursed. You pay less in taxes so you
save money. Annuitants are not eligible to enroll.
There are three types of FSAs offered by FSAFEDS. Each type has a minimum annual
election of $250 and a maximum annual election of $5,000.
• Health Care FSA (HCFSA) – Reimburses you for eligible health care expenses (such
as copayments, deductibles, insulin, products, physician prescribed over-the-counter
drugs and medications, vision and dental expenses, and much more) for you and your
tax dependents, including adult children (through the end of the calendar year in which
they turn 26) which are not covered or reimbursed by FEHBP or FEDVIP coverage or
any other insurance.
• Limited Expense Health Care FSA (LEX HCFSA) – Designed for employees
enrolled in or covered by a High Deductible Health Plan with a Health Savings
Account. Eligible expenses are limited to dental and vision care expenses for you and
your tax dependents including adult children (through the end of the calendar year in
which they turn 26) which are not covered or reimbursed by FEHBP or FEDVIP
coverage or any other insurance.
• Dependent Care FSA (DCFSA) – Reimburses you for eligible non-medical day care
expenses for your child(ren) under age 13 and/or for any person you claim as a
dependant on your Federal Income Tax return who is mentally or physically incapable
of self-care. You (and your spouse if married) must be working, looking for work
(income must be earned during the year), or attending school full-time to be eligible
for a DCFSA.
• If you are a new or newly eligible employee you have 60 days from your hire date to
enroll in an HCFSA or LEX HCFSA and/or DCFSA, but you must enroll before
October 1. If you are hired or become eligible on or after October 1 you must wait
and enroll during the Federal Benefits Open Season held each fall.
Where can I get more Visit www.FSAFEDS.com or call an FSAFEDS Benefits Counselor toll-free at 1-877-
information about FSAFEDS (1-877-372-3337), Monday through Friday, 9 a.m. until 9 p.m., Eastern Time.
FSAFEDS? TTY: 1-800-952-0450.

The Federal Employees Dental and Vision Insurance Program – FEDVIP
Important Information The Federal Employees Dental and Vision Insurance Program (FEDVIP) is separate and
different from the FEHB Program and was established by the Federal Employee Dental
and Vision Benefits Enhancement Act of 2004. This Program provides comprehensive
dental and vision insurance at competitive group rates with no pre-existing condition
limitations.
FEDVIP is available to eligible Federal and Postal Service employees, retirees, and their
eligible family members on an enrollee-pay-all basis. Employee premiums are withheld
from salary on a pre-tax basis.
Dental Insurance Dental plans provide a comprehensive range of services, including all the following:
• Class A (Basic) services, which include oral examinations, prophylaxis, diagnostic
evaluations, sealants and x-rays.
• Class B (Intermediate) services, which include restorative procedures such as fillings,
prefabricated stainless steel crowns, periodontal scaling, tooth extractions, and denture
adjustments.
• Class C (Major) services, which include endodontic services such as root canals,
periodontal services such as gingivectomy, major restorative services such as crowns,
oral surgery, bridges and prosthodontic services such as complete dentures.
• Class D (Orthodontic) services with up to a 24-month waiting period.
Vision Insurance Vision plans provide comprehensive eye examinations and coverage for lenses, frames
and contact lenses. Other benefits such as discounts on LASIK surgery may also be
available.
Additional Information You can find a comparison of the plans available and their premiums on the OPM website
at www.opm.gov/insure/vision and www.opm.gov/insure/dental. This site also provides
links to each plan’s website, where you can view detailed information about benefits and
preferred providers.
How do I enroll? You enroll on the Internet at www.BENEFEDS.com. For those without access to a
computer, call 1-877-888-3337 (TTY 1-877-889-5680).
The Federal Long Term Care Insurance Program - FLTCIP

It's important protection The Federal Long Term Care Insurance Program (FLTCIP) can help pay for the
potentially high cost of long term care services, which are not covered by FEHB plans.
Long term care is help you receive to perform activities of daily living – such as bathing
or dressing yourself - or supervision you receive because of a severe cognitive impairment
such as Alzheimer’s disease. For example, long term care can be received in your home
from a home health aide, in a nursing home, in an assisted living facility or in adult day
care. To qualify for coverage under the FLTCIP, you must apply and pass a medical
screening (called underwriting). Federal and U.S. Postal Service employees and
annuitants, active and retired members of the uniformed services, and qualified relatives,
are eligible to apply. Certain medical conditions, or combinations of conditions, will
prevent some people from being approved for coverage. You must apply to know if you
will be approved for enrollment. For more information, call 1-800-LTC-FEDS
(1-800-582-3337) (TTY 1-800-843-3557) or visit www.ltcfeds.com .

Summary of benefits for the High Option of the APWU Health Plan - 2011
Do not rely on this chart alone. All benefits are subject to the definitions, limitations, and exclusions in this brochure. On
this page we summarize specific expenses we cover; for more detail, look inside.
If you want to enroll or change your enrollment in this Plan, be sure to put the correct enrollment code from the cover on
your enrollment form.
Below, an asterisk (*) means the item is subject to the calendar year deductible, $275 (PPO) or $500 (Non-PPO). And, after
we pay, you generally pay any difference between our allowance and the billed amount if you use a Non-PPO physician or
other health care professional.
High Option Benefits You pay Page
Medical services provided by physicians:
• Diagnostic and treatment services provided in the PPO: $18 copay per visit (No deductible); 25
office* 10% of Plan allowance
Non-PPO: 30% of our allowance plus amount

over our allowance
Services provided by a hospital:
• Inpatient PPO: 10% of Plan allowance 42
Non-PPO: $300 copay and 30% of our

allowance plus amount over our allowance
• Outpatient* PPO: 10% of Plan allowance 44

over our allowance
Emergency benefits:
• Accidental injury PPO: Nothing 46
Non-PPO: Any amount over our allowance
• Medical emergency* Regular benefits 46
Mental health and substance abuse treatment: PPO: $18 copay per visit (No deductible); 47
10% of Plan allowance

over our allowance
Prescription drugs:
• Network pharmacy $8 generic/25% brand name 52
• Network pharmacy Medicare $8 generic/25% brand name 52
• Non-network pharmacy 50% of cost 52
• Non-network pharmacy Medicare 50% of cost 52
• Mail order $15 generic/25% brand name 52
• Mail order Medicare $15 generic/25% brand name 52
2011 APWU Health Plan 118 High Option Summary

High Option Benefits You pay Page
Dental care: 30% of Plan allowance plus amount over our 54
allowance
Special features: Flexible benefits option, 24-hour nurse line, 55

Services for deaf and hearing-impaired,
Wellness benefit, Disease Management
Program, Review and reward program
Protection against catastrophic costs (out-of-pocket PPO: Nothing after $4,000/Self Only or 17
maximum): Family enrollment per year
Non-PPO: Nothing after $10,000/Self Only or
Family enrollment per year
Some costs do not count toward this
protection
2011 APWU Health Plan 119 High Option Summary

Summary of benefits for the CDHP of the APWU Health Plan - 2011
• Do not rely on this chart alone. All benefits are subject to the definitions, limitations, and exclusions in this brochure. On
this page we summarize specific expenses we cover; for more detail, look inside.
If you want to enroll or change your enrollment in this Plan, be sure to put the correct enrollment code from the cover on
your enrollment form.
Below, an asterisk (*) means the item is subject to the Deductible, generally $600 per Self Only and $1,200 per Self and
Family, once your Personal Care Account has been spent. And, after we pay, you generally pay any difference between our
allowance and the billed amount if you use an out-of-network physician or other health care professional.
CDHP Benefits You Pay Page

In-network preventive care: Nothing 61
Personal Care Account:

Up to $1,200 for Self Only or $2,400 for Self and Family Nothing up to $1,200 for Self Only or $2,400 63
for medical, surgical, hospital, mental health and substance for Self and Family
abuse services and prescription drugs plus certain dental
and vision care
Traditional Health Coverage after Personal Care 65

Account is exhausted
Medical/Surgical services provided by physicians:
• Diagnostic and treatment services provided in the In-network: 15% of Plan allowance 66
office* Out-of-network: 40% of our allowance plus
amount over our allowance
Services provided by a hospital:
• Inpatient* In-network: 15% of Plan allowance 79

Out-of-network: 40% of our allowance plus
• Outpatient* In-network: 15% of Plan allowance 80

Emergency benefits:
• Accidental injury* In-network: 15% of Plan Allowance 82
• Medical emergency* Out-of-network: 15% of Plan Allowance plus 82

Mental health and substance abuse treatment*: In-network: 15% of Plan allowance 82
Prescription drugs:
• Network pharmacy* 25%/minimum $10 84
• Network pharmacy Medicare* 25%/minimum $10 84
• Mail order* 25%/minimum $15 84
2011 APWU Health Plan 120 CDHP Summary

CDHP Benefits You Pay Page
• Mail order Medicare* 25%/minimum $15 84
Dental Care/Vision Care (covered only under Personal Any amount over $400 per Self Only or $800 64
Care Account): per Family (see Section 5(b) Extra PCA
Expenses).
Special features: 88
Online tools and resources, Consumer choice information,

Services for deaf and hearing-impaired, 24-hour nurse
advisory service and Care support
Protection against catastrophic costs (out-of-pocket In-network: Nothing after $3,000 Self Only or 17
maximum): $4,500 Family enrollment per year
Out-of-network: Nothing after $9,000/Self

Only or Family enrollment per year
Some costs do not count toward this

protection
2011 APWU Health Plan 121 CDHP Summary

Index
Accidental injury Coordination of benefits..........................100 Fraud........................................................3, 4
CDHP...................................................81 Copayment.................................................15 General exclusions...................................94
HO..................................................45, 53 Cost-sharing...............................................15 Health Management Programs
Acupuncture Covered providers......................................10 CDHP...................................................88
CDHP...................................................73 Deductible HO........................................................56
HO........................................................33 CDHP...................................................16 Hearing services
Allergy HO........................................................15 CDHP...................................................70
CDHP...................................................68 Definitions................................................106 HO........................................................30
HO........................................................29 Dental.........................................................92 High Option...............................................24
Alternative treatments CDHP.............................................64, 87 Home health services
CDHP...................................................73 HO........................................................54 CDHP...................................................72
HO........................................................33 Diabetes Management Program HO........................................................33
Ambulance CDHP...................................................88 Hospice
CDHP.............................................79, 81 HO........................................................56 CDHP...................................................81
HO..................................................44, 46 Diabetic supplies HO........................................................44
Anesthesia CDHP.............................................84, 88 Hospital
CDHP...................................................78 HO..................................................52, 56 Inpatient CDHP....................................79
HO........................................................41 Diagnostic Services Inpatient HO.........................................42
APWU Health Plan CDHP.......................................66, 70, 83 Outpatient CDHP.................................80
Mailing Address.....................................3 HO............................................25, 30, 48 Outpatient HO......................................44
Telephone Number.................................8 Dialysis Hypertension Management Program
Biopsies CDHP.............................................69, 71 HO........................................................55
CDHP.............................................73, 75 HO..................................................29, 32 Immunizations
HO..................................................35, 37 Disease Management Program Adult CDHP.........................................61
Blood and blood plasma CDHP...................................................88 Adult HO..............................................27
CDHP.............................................79, 80 HO........................................................56 Children CDHP....................................62
HO..................................................43, 44 Disputed claims process.............................95 Children HO.........................................27
Breast reconstruction Durable Medical Equipment (DME) Infertility
CDHP...................................................74 CDHP...................................................71 CDHP...................................................68
HO........................................................37 HO........................................................32 HO........................................................28
Casts Educational classes and programs Insulin
CDHP.............................................79, 80 CDHP...................................................73 CDHP...................................................84
HO..................................................35, 43 HO........................................................34 HO........................................................52
Catastrophic protection..............................17 Effective date of enrollment.....................112 Magnetic Reasonance Imagings (MRIs)
CHAMPVA..............................................104 Emergency CDHP...................................................67
Chemotherapy/Radiation CDHP...................................................81 HO........................................................26
CDHP.............................................69, 80 HO........................................................45 Mail order prescription drugs
HO..................................................29, 44 Experimental or investigational.........94, 107 CDHP...................................................84
Chiropractic Eyeglasses HO........................................................49
CDHP...................................................73 CDHP.............................................64, 70 Mammograms
HO........................................................33 HO..................................................31, 55 CDHP.............................................61, 67
Cholesterol tests Family planning HO..................................................26, 27
CDHP...................................................61 CDHP...................................................68 Maternity....................................................12
HO........................................................26 HO........................................................28 CDHP.............................................67, 88
Claims........................................................95 Fecal occult blood test HO........................................................28
Clinical Trials...........................................105 CDHP...................................................61 Medicaid..................................................104
Coinsurance....................................16, 17, 20 HO........................................................26 Medical emergency
Colorectal cancer screening Federal Employees Dental and Vison CDHP.............................................81, 82
CDHP...................................................61 Insurance Plan..................................105, 114 HO..................................................45, 46
HO........................................................26 Flexible benefits option Medically necessary.......................12, 13, 14
Congenital anomalies CDHP...................................................90
CDHP.............................................73, 74 HO........................................................55
HO..................................................36, 37 Foot care
Consumer Driven Option...........................58 CDHP...................................................70
Contraceptive devices and drugs HO........................................................31
CDHP.............................................68, 74
HO............................................28, 36, 50
2011 APWU Health Plan 122 Index

Medically underserved areas......................10 Positron Emission Tomography (PET)......13 Subrogation..............................................104
Medicare................................19-21, 100-103 CDHP...................................................67 Substance abuse
CDHP...................................................84 HO........................................................26 CDHP...................................................82
HO........................................................51 Precertification................................12-14, 96 HO........................................................47
Mental health CDHP...........................63, 64, 69, 71, 74 Surgery
CDHP...................................................82 HO......................................25, 35, 40, 42 Assistant surgeon CDHP......................74
HO........................................................47 Preferred Provider Organizations (PPO) Assistant surgeon HO..........................36
Newborn care ................................................................7 Cosmetic CDHP.............................73-74
CDHP.............................................66, 67 Prescription drugs Cosmetic HO..................................35, 36
HO........................................................28 CDHP..............................................84-87 Multiple procedures CDHP..................74
Nurse..........................................................10 HO..................................................49-53 Multiple procedures HO......................36
CDHP.............................................72, 79 Preventive care Oral CDHP...........................................75
HO..................................................33, 43 Adult CDHP...................................61-62 Oral HO................................................37
Nurse help line Adult HO........................................26, 27 Outpatient CDHP...........................73, 80
CDHP...................................................88 Children CDHP....................................62 Outpatient HO................................36, 44
HO........................................................55 Children HO.........................................27 Reconstructive CDHP..........................74
Office visits Prior approval.......................................12-14 Reconstructive HO...............................36
CDHP.............................................61, 62 Prostate Cancer Screening (PSA) Temporary Continuation of Coverage
HO............................................25, 26, 27 CDHP...................................................62 (TCC).........................................112-113
Organic impotence...............................14, 94 HO........................................................27 Therapy (Occupational, Physical, & Speech)
CDHP........................................75, 84-86 Prosthetic devices CDHP...................................................69
HO......................................35, 37, 51-52 CDHP.............................................71, 75 HO........................................................30
Orthopedic devices HO............................................31, 36, 37 Transplants
CDHP...................................................71 Psychologist...............................................10 CDHP..............................................76-78
HO........................................................31 Rate information....................................124 HO..................................................38-40
Osteoporosis screening Review and reward program Treatment therapies
CDHP...................................................61 HO........................................................55 CDHP...................................................69
HO........................................................26 Rollover HO........................................................29
Out-of-pocket expenses.................17, 18, 19 CDHP...........................................64, 109 TRICARE................................................104
Overseas claims.........................................95 Room and board Vision services
Oxygen.......................................................14 CDHP.............................................79, 83 CDHP...................................................64
CDHP.......................................71, 79, 80 HO............................................42-43, 48 HO........................................................30
HO............................................32, 43-44 Second surgical opinion Wellness
Pap test CDHP...................................................66 HO........................................................55
CDHP.............................................62, 67 HO........................................................25 Wheelchairs
HO........................................................27 Sigmoidoscopy CDHP...................................................72
Personal Care Account (PCA) CDHP...................................................61 HO........................................................32
CDHP.....................................60, 63, 109 HO........................................................26 Workers' Compensation...........................104
Physical examination Skilled nursing facility X-rays
Adult CDHP.........................................61 CDHP.......................................66, 72, 79 CDHP.............................................67, 79
Adult HO..............................................26 HO............................................25, 33, 43 HO..................................................26, 43
Children CDHP....................................62 Smoking cessation
Children HO.........................................27 CDHP...................................................73
Physician......................................................9 HO........................................................34
CDHP...................................................66
HO........................................................25
2011 APWU Health Plan 123 Index

Notes
2011 APWU Health Plan 124

Notes
2011 APWU Health Plan 125

2011 Rates for the APWU Health Plan
Non-Postal rates apply to most non-Postal enrollees. If you are in a special enrollment category, refer to the Guide to
Federal Benefits for that category or contact the agency that maintains your health benefits enrollment.
Postal rates apply to career Postal Service employees. Most employees should refer to the Guide to Benefits for
Career United States Postal Service Employees, RI 70-2, and to the rates shown below.
CDHP Preferred rates apply to career postal employees represented by the APWU (including MDC, HQ Operating
Services and IT/ASC) and the National Postal Professional Nurses Union (NPPN) who meet certain eligibility requirements.
PostalEASE, the employee self-service system used for FEHB enrollment, automatically provides the applicable
premium to individual employees. Career non-law enforcement employees may also refer to the Guide to Federal
Benefits for United States Postal Service Employees, RI 70-2 for eligibility criteria and to determine their rates.
The rates shown below do not apply to Postal Service Inspectors, Office of Inspector General (OIG) employees and
Postal Service Nurses. Rates for members of these groups are published in special Guides. Postal Service Inspectors
and OIG employees should refer to the Guide to Benefits for United States Postal Inspectors and Office of Inspector
General Employees (RI 70-2IN). Postal Service Nurses should refer to the Guide to Benefits for United States Postal
Nurses (RI 70-2NU).
For further assistance, Postal Service employees should call:
Human Resources Shared Service Center
1-877-477-3273, Option 5
TTY: 1-866-260-7507
Postal rates do not apply to non-career postal employees, postal retirees, or associate members of any postal employee
organization who are not career postal employees. Refer to the applicable Guide to Federal Benefits.
Non-Postal Premium Postal Premium
Biweekly Monthly Biweekly
CDHP
Preferred
Type of Enrollment Gov’t Your Gov’t Your USPS Your Rate Your
Enrollment Code Share Share Share Share Share Share Share
High Option
471 $165.14 $55.05 $357.81 $119.27 $186.06 $34.13 N/A
Self Only
High Option
472 $373.40 $124.47 $809.04 $269.68 $420.70 $77.17 N/A
Self and Family
CDHP Option
474 $116.55 $38.85 $252.53 $84.17 $131.31 $24.09 $7.77
Self Only
CDHP Option
475 $262.20 $87.40 $568.10 $189.37 $295.41 $54.19 $17.48
Self and Family
2011 APWU Health Plan - 126 -

APWU Health Plan - Benefits 2011 Federal Brochure (R1 71-004)

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Medicare’s Low Income Benefits

2011 APWU Health Plan 1 Table of Contents

2011 APWU Health Plan 2 Table of Contents

Stop Health Care Fraud!

2011 APWU Health Plan 3 Introduction/Plain Language/Advisory

CALL - THE HEALTH CARE FRAUD HOTLINE

• Do not maintain as a family member on your policy:

Preventing Medical Mistakes

2. Keep and bring a list of all the medicines you take.

2011 APWU Health Plan 4 Introduction/Plain Language/Advisory

3. Get the results of any test or procedure.

"Exactly what will you be doing? "

Patient Safety Links

2011 APWU Health Plan 5 Introduction/Plain Language/Advisory

2011 APWU Health Plan 6 Introduction/Plain Language/Advisory

2011 APWU Health Plan 7 Section 1

2011 APWU Health Plan 8 Section 1

2011 APWU Health Plan 9 Section 2

• Covered facilities Covered facilities include:

An out-of-hospital facility such as a medical, cancer, dialysis, or surgical center or

2011 APWU Health Plan 10 Section 3

2011 APWU Health Plan 11 Section 3

2011 APWU Health Plan 12 Section 3

Exceptions You do not need precertification in these cases:

The following outpatient radiology services require precertification:

CAT/CT – Computerized Axial Tomography

MRI – Magnetic Resonance Imaging

MRA – Magnetic Resonance Angiography

PET – Positron Emission Tomography

2011 APWU Health Plan 13 Section 3

Exceptions You do not need precertification in these cases:

To inquire if your medication requires prior approval or authorization, call MEDCO

Consumer Driven Option: Call UnitedHealthcare at 1-800-718-1299 if you need any of

2011 APWU Health Plan 14 Section 3

2011 APWU Health Plan 15 Section 4

2011 APWU Health Plan 16 Section 4

EXAMPLE PPO physician Non-PPO physician

Consumer Driven Option:

Out-of-pocket expenses for the purposes of this benefit are:

The following cannot be included in the accumulation of out-of-pocket expenses:

2011 APWU Health Plan 17 Section 4

Consumer Driven Option:

Out-of-pocket expenses for the purposes of this benefit are:

The following cannot be included in the accumulation of out-of-pocket expenses:

2011 APWU Health Plan 18 Section 4

When you are age 65 or over and do not have Medicare

2011 APWU Health Plan 19 Section 4

If your physician... Then you are responsible for...

We use the Department of Veterans Affairs (VA) Medicare-equivalent Remittance Advice

2011 APWU Health Plan 20 Section 4

2011 APWU Health Plan 21 Section 4

2011 APWU Health Plan 22 High Option Section 5

2011 APWU Health Plan 23 High Option Section 5

High Option Overview

2011 APWU Health Plan 24 High Option Section 5 Overview

Section 5 (a). Medical services and supplies

• Initial examination of a newborn child covered under a family