Postal

 Postal High Option Partners—Your Guide to Trusted Care

You have access to trusted care through the NALC Health Benefit Plan High Option for postal employees, backed by a network of national healthcare leaders. Whether you're reviewing your benefits, comparing coverage, or looking for smart tools to manage your care—this page connects you with the partners who make it all work.

See What’s Covered

Make the Most of Your Postal Health Benefits

Easy-to-follow enrollment steps during Open Season or after qualifying life events, designed to simplify your enrollment experience.

Meet Your Postal High Option Partners

Each partner plays a vital role in your healthcare journey. From provider access and mental health services to pharmacy support and chronic condition care—you have a team dedicated to delivering quality care.

Partner Overview

Cigna HealthCare OAP Network
Connect with more than 5 million doctors and specialists across our core in-person care network.
CVS Caremark®
Connect with more than 66,000 pharmacies nationwide, including most retail chain drug stores.
Hello Heart
A digital solution for monitoring and managing those with high cholesterol, blood pressure of 130/80 or higher, issues during pregnancy such as preeclampsia and those who have, or have gone through menopause.
Hinge Health
A virtual musculoskeletal solution with access to licensed physical therapists and health coaches who are there to help those with back & joint pains, and women with pelvic floor disorders.
Aetna Medicare Advantage
Expanded benefits for Medicare-eligible postal annuitants.
OptumHealth
Expert support for mental health and substance use care—helping you manage life’s challenges and protect your well-being.
Telehealth with Amwell
Virtual care made simple, with the ability of having prescriptions sent to your pharmacy when necessary.
SilverScript PDP
Medicare Part D prescription drug coverage for annuitants.
HealthEquity
Reimbursement management of Medicare Part B premiums for annuitant members in the SilverScript PDP.

Cigna HealthCare OAP Network

CVS Caremark® — Your Pharmacy Network

What You Get

  • 66,000+ network pharmacies nationwide

  • Personalized member portal for managing prescriptions

  • A mail order service that delivers 60- or 90-day prescriptions right to your home.

  • A managed formulary that helps keep drug costs affordable and safe.

  • Specialty pharmacy support for complex conditions and oral chemotherapy (covered only under the Prescription Drug Benefit).

Get started with CVS Caremark

AccordantCare: Complex Condition Support

  • Support for complex chronic medical conditions

  • Toll-free support: 844-923-0805.

Transform Care for Diabetes Management

  • Free connected glucometer + unlimited strips/lancets.

  • Pharmacist counseling and digital resources.

  • Two free annual screenings at CVS MinuteClinic.

  • Call 855-238-3622 for enrollment.

Using the Retail Pharmacy Program

If you choose a network retail pharmacy:

  • First ask your doctor to write a prescription for up to a 30-day supply.

  • Take your prescription to a a CVS Caremark National Network Retail Pharmacy.

  • Present your NALC Identification card.

  • Verify that the pharmacist has accurate information about you and your covered dependents.

  • Pay the appropriate coinsurance.

  • Specialty & prior authorization: Call 800-294-5979 for prior authorization, or call 800-237-2767 for specialty if your provider prescribes a medication not on the formulary.

Using the Mail Order Program

1. For new maintenance medications, ask your doctor to write two prescriptions:

  • One, for up to a 90-day supply plus refills, to be ordered through the Mail Order Program or our Maintenance Choice Program.

  • The other, for no more than a 30-day supply plus one refill, to be filled immediately at a CVS Caremark National Network Pharmacy while you wait for your order from the Mail Order Program.

2. Complete the patient profile/order form. Enclose your original prescription(s) and the appropriate payment for each drug being ordered and mail to:

NALC Prescription Drug Program
P.O. Box 659541
San Antonio,
TX 78265-9541
or
NALC Prescription Drug Program
PO Box 1330

Pittsburg, PA 15230-9906

  • Your payment is payable by check, money order or credit card. For credit card payments, simply include your Visa, Discover, MasterCard, or American Express number and expiration date in the space provided on the patient profile/order form.

  • You will receive a new patient profile/order form and pre-addressed envelope with each shipment.

Hello Heart — Digital Heart Health Program

Hinge Health —Musculoskeletal Care from Home

No matter where you have pain, Hinge Health has you covered. Virtual exercise therapy programs to treat pain from head to toe.

What It Offers

  • Virtual care for back, joint, and muscle pain.

  • Access to licensed physical therapists.

  • Accessible from home, no appointment needed.

  • Women's Pelvic floor therapy.

Get Started

Telehealth Network — Powered by Amwell

Get quality care anytime, anywhere

  • 24/7 Urgent Care: See licensed doctors for minor illnesses and injuries; prescriptions can be sent to your pharmacy, when necessary.

  • Nutrition Counseling: Personalized care from registered dieticians—great for managing chronic conditions.

  • Dermatology Support: Support for acne, rosacea, psoriasis, and skin cancer checks.

  • Lactation Support: Help with latching, milk supply, mastitis, and more.

  • Women's Health: Full care continuum across life stages and postnatal support to menopause care.

  • Private & Secure: All visits are HIPAA-compliant and can be conducted in the privacy of your home.

How to Access Telehealth

NALC High Option Plan – Aetna Medicare Advantage

If you're an annuitant with Medicare Parts A and B, the NALC High Option Plan – Aetna Medicare Advantage gives you even better benefits.

OptumHealth — Behavioral Health Support

Access therapy, substance use treatment, and caregiver support through OptumHealth Behavioral Solutions, one of your specialized Postal High Option Partners.

Your OptumHealth Network

When you use a network provider, you get the In-Network Benefit—which means you save money and get quality care.The network includes:

  • 3,700+ in-network facilities across 8,800+ locations

  • Over 363,000 licensed clinicians ready to help

  • Providers for therapy, counseling, substance use treatment, and more

Some services may require preauthorization. Check your official plan brochure for details

Find a Provider and Precertify Your Care

You can find a network provider and get your care precertified by calling 877-468-1016. This line is open 24 hours a day, 7 days a week.

When you call, you'll speak with dedicated OptumHealth Behavioral Solutions customer service professionals. They can give you immediate, private help.

You can also use the OptumHealth Behavioral Solutions Online Provider Locator to find a network provider.

Support for Caregivers

The Solutions for Caregivers program offers expert help from a Care Advocate. This program is for members or spouses who care for an elderly relative or a dependent with a disability.

Call 866-463-5337

Need more details about OptumHealth?

SilverScript Prescription Drug Plan (PDP)

For Medicare-Eligible Annuitants

If you’re enrolled in Medicare and covered under the NALC Health Benefit Plan—you will receive enhanced prescription coverage through the SilverScript® Prescription Drug Plan (PDP)—an Employer Group Waiver Plan (EGWP).

This Plan combines a Medicare Part D drug list with your current year's prescription coverage. This makes sure you pay the lowest cost available for your prescriptions.

What You Get With SilverScript PDP EGWP

When enrolled in the SilverScript PDP EGWP, you'll get these improved benefits:

  • A $2,000 maximum prescription out-of-pocket limit.

  • Lower copay/coinsurance structure.

  • Retail pharmacy coordination with Medicare and the NALC HBP.

  • Your plan will pay your Medicare Part D premium (this does not include IRMAA).

  • High Option Plan members can also get up to $600 back each year for Medicare Part B premiums. HealthEquity manages this reimbursement.

Important Information About Your Premium

You don't pay any extra premium for this plan. However, if you have higher income—you might be responsible for an extra charge for your Medicare Part D benefit. To learn more, see the Part D-IRMAA section of the Medicare website—or contact the Plan directly.

Your Choice to Participate

Being part of the SilverScript PDP is your choice. You can opt out of SilverScript PDP enrollment at any time. If you decide to opt out, you'll automatically stay in your current NALC prescription plan.

Need More Info or Want to Opt Out?

If you have questions or want to opt out of the SilverScript PDP, call SilverScript at 833-272-9886. They're available 24 hours a day, 7 days a week.

Find Everything You Need to Know About SilverScript

HealthEquity Medicare Part B Reimbursement for Postal Annuitants

Eligible High Option annuitants and family members enrolled in SilverScript PDP with Original Medicare Parts A & B can receive up to $600 per year in reimbursements through HealthEquity®.

How to Get Your Reimbursement

To get your money back, you'll need to show proof of your Original Medicare Part B premium payments. You can do this through:

Learn More or Get Started?

How to submit

  • Submit via online portal, app, fax, or mail

To learn more

Need additional information about HealthEquity?

Download The NALC-MRA Claim Form
Download The NALC-MRA Claim Form Instructions

Contact Us and Find What You Need

NALC HBP Member Services

Need help with your Postal High Option benefits? Contact us.

Contact Us

Download the Official Plan Brochure 

Download Plan Brochure PDF

Frequently Asked Questions (FAQs)—Quick Answers for You

Find answers to common questions about your Postal High Option Plan partners.

FAQ representative
Use one of the 66,000+ participating pharmacies or the Mail Order/Maintenance Choice Program.
You can search the Cigna Online Directory or call 877-220-NALC. Using in-network providers saves you money with discounted rates.
Optum provides access to therapy, substance use treatment, and caregiver support with thousands of licensed clinicians nationwide. Some services may require preauthorization.
HealthEquity manages the Plan's Medicare Part B premium reimbursement program for eligible annuitants in the SilverScript PDP. High Option members can get up to $600 back each year by submitting proof of Original Medicare Part B premium payments.
See All High Option FAQs