Postal

NALC Consumer Driven Health Plan: Flexible Coverage Built For Smart Choices

The NALC Consumer Driven Health Plan gives postal members a low-cost, flexible option with a built-in Personal Care Account (PCA) to help cover everyday care and preventive services.

Why Choose The NALC Consumer Driven HealthPlan?

For postal members who want low monthly premiums, a savings account, and digital tools to manage care—this plan delivers.

01.
Lower premiums with a Plan-funded Personal Care Account (PCA) to help pay for covered medical expenses.
02.
Preventive care covered at 100% when you use in-network providers.
03.
Freedom to choose any provider.
04.
Rollover unused PCA funds (up to $10,000 max).

How the NALC Consumer Driven Health Plan Works for Postal Members

The NALC CDHP puts you in control with an annual PCA to help pay for medical costs first. You’ll then pay the rest of your deductible, after which the plan begins sharing costs; ensuring that your out-of-pocket costs never go beyond a set maximum.

What is a Personal Care Account (PCA)?

APCA is funding provided by the plan to help cover your eligible health care expenses. Any leftover funds roll over year-to-year to help you save for the future.

How Your Deductible and Out-of-Pocket Maximums Work

  • Deductible: The amount you pay before the plan begins sharing costs.
  • Out-of-pocket maximum: Once you reach this limit, the plan pays 100% of covered services for the rest of the year.

Flexible, Predictable Coverage

No matter what life throws your way, the NALC Consumer Driven Health Plan helps you balance lower monthly premiums with clear protections for unexpected costs.

Who Should Choose the Consumer Driven Health Plan?

This plan isn’t one-size-fits-all—it’s built for postal members and retirees who want reliable, full-coverage care. See if this plan fits your needs:

Postal Plans CDHP Rates

Contact Member Services
Tier & Plan
Self Only
Self Plus One
Self and Family
Enrollment Codes
77D
77F
77E
Biweekly Employees Pay
$59.13
$133.88
$144.92
Monthly Annuitants Pay
$128.11
$290.08
$314.00

Provider Networks & Access

The NALC Consumer Driven Health Plan partners with the Cigna OAP network to ensure you have trusted, in-network care nationwide. No referrals are needed to see specialists. International care is also available under our Out-of-Network standard benefits of the plan.

Find a Doctor

Benefits at a Glance

Get quick access to what you'll pay for common care under the NALC Consumer Driven Health Plan.

BENEFIT DESCRIPTION
YOU PAY (IN-NETWORK)
YOU PAY (OUT-OF-NETWORK)
Annual Routine Physical Exam (age 3 or older)
Nothing
50% after deductible is met*
Adult Routine Immunizations & Tests
Nothing
50% after deductible is met*
Well Child Care (through age 2)
Nothing
50% after deductible is met*
Routine Immunizations (through age 21)
Nothing
50% after deductible is met*
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
BENEFIT DESCRIPTION
YOU PAY (IN-NETWORK)
YOU PAY (OUT-OF-NETWORK)
Maternity
20% after deductible is met
50% after deductible is met*
Maternity related hospital services
20% after deductible is met
50% after deductible is met*
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
BENEFIT DESCRIPTION
YOU PAY (IN-NETWORK)
YOU PAY (OUT-OF-NETWORK)
Medical/surgical
20% after deductible is met
50% after deductible is met*
Emergency Medical
20% after deductible is met
50% after deductible is met*
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
BENEFIT DESCRIPTION
YOU PAY (IN-NETWORK)
YOU PAY (OUT-OF-NETWORK)
Initial office visit and 12 office visits per calendar year when rendered on the same day as covered manipulations
20% after deductible is met
50% after deductible is met*
Manipulations (12 per calendar year)
20% after deductible is met
50% after deductible is met*
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
BENEFIT DESCRIPTION
YOU PAY (IN-NETWORK)
YOU PAY (OUT-OF-NETWORK)
Office or virtual visits
20% after deductible is met
50% after deductible is met*
Telehealth professional services for minor acute conditions
10% after deductible is met
All charges
X-rays, other diagnostic services
20% after deductible is met
50% after deductible is met*
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
BENEFIT DESCRIPTION
YOU PAY (IN-NETWORK)
YOU PAY (OUT-OF-NETWORK)
Lab Services
20% after deductible is met
50% after deductible is met*
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
BENEFIT DESCRIPTION
YOU PAY (IN-NETWORK)
YOU PAY (OUT-OF-NETWORK)
Office visit
20% after deductible is met
50% after deductible is met*
Outpatient telemental or virtual visits
10% after deductible is met
50% after deductible is met*
Other diagnostic services
20% after deductible is met
50% after deductible is met*
Laboratory Services
20% after deductible is met
50% after deductible is met*
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
PRESCRIPTION DRUGS
THIS IS A MANDATORY GENERIC PROGRAM
NETWORK
NON-NETWORK
Retail Pharmacy
1st and 2nd fill:
$10 for generic (after deductible is met)
$40 for Formulary brand (after deductible is met)
$60 for Non-Formulary brand (after deductible is met)

Note: You may purchase up to a 90-day supply (84-day minimum) of covered drugs and supplies at a CVS Caremark® Pharmacy through our Maintenance Choice Program. You will pay the applicable mail order copayment for each prescription purchased.
50% of the Plan allowance after deductible is met*
Mail Order Program
90-day supply:
$20 generic / $90 Formulary brand / $125 Non-Formulary brand (after deductible is met)
Specialty drugs (requires prior approval)
Caremark Specialty Mail Order:
30-day supply: $250 / 90-day supply: $450
*in addition, for out of network services you are responsible for the difference, if any, between the Plan allowance and the billed amount.
BENEFIT
NETWORK
NON-NETWORK
CDHP
  • Self - $2,000
  • Self Plus One - $4,000
  • Self and Family - $4,000
  • Self - $4,000
  • Self Plus One - $8,000
  • Self and Family - $8,000
Medical/Surgical/Mental health and substance abuse care
In-Network providers/facilities, preferred network pharmacies or mail order pharmacy out-of-pocket maximum:
• Per person: $6,600
• Per family: $12,000
Out-of-Network providers/facilities out-of-pocket maximum:
• Per person: $12,000
• Per family: $24,000
Download Plan Brochure

Health Plans Tailored to You

Explore coverage, benefits, and costs in the official NALC 2025 Plan Brochure.

Read 2025 CDHP Brochure

Key Programs & Digital Tools

The NALC Postal Consumer Driven Health Plan includes powerful tools and programs to help you take control of your health—from managing prescriptions to getting vaccines, support, and savings on the go.

Telehealth & Virtual Care (via MDLIVE)

Talk to a board-certified doctor any time—no appointment needed.

  • 24/7 virtual visits for minor conditions

  • Accessible by phone, tablet, or computer

  • Available through myCigna® or myCigna.com

Use NALC Telehealth

myCigna® Mobile App & Member Portal

Your all-in-one hub for managing benefits, care, and your PCA.

  • Track claims, deductibles, and PCA balance

  • View your digital ID card

  • Access care tools, wellness tracking, and a personal health record

Download myCigna App

CVS Caremark® Prescription Tools

Manage prescriptions at thousands of retail locations or by mail.

  • 66,000+ pharmacies nationwide

  • CVS app lets you refill and track meds

  • Use Maintenance Choice® for 90-day retail fills

Manage Prescriptions

myCVS™ On the Go

Access CVS pharmacy services from your phone—anywhere, anytime.

  • Find a store using GPS

  • Refill and transfer prescriptions

  • Track medication history and rewards

Download the CVS App

Cost Estimator Tool

Know before you go—estimate your out-of-pocket costs for care.

  • Compare prices for doctors, tests, and procedures

  • Available on myCigna.com

  • Helps you budget and maximize your PCA funds

Use the Cost Estimator

Hello Heart®

Track your heart health and get personalized coaching.

  • Free FDA-cleared blood pressure monitor

  • Coaching and lifestyle support in the app

  • Ideal for those managing high BP, menopause, or pregnancy-related conditions

Join HelloHeart

Hinge Health®

Relieve back, knee, and joint pain—without a doctor’s office visit.

  • Digital therapy guided by physical therapists

  • Includes sensors, personal coaches, and exercise programs

  • At no cost to you or your eligible dependents

Enroll Today

Wellness & Chronic Condition Support

The NALC Consumer Driven Health Plan helps you take charge of your health—whether you’re staying fit or managing a condition.

Transform Care

Diabetes support, screenings, and supplies.

Healthy Pregnancies, Healthy Babies®

Rewards and coaching for moms.

Your Health First

1-on-1 support for chronic illnesses.

Wellness Rewards

Earn $5-$30 for completing wellness reward programs.
Learn more

Mental Health and Substance Use Support

Feel supported, anytime. Cigna® gives you access to mental health professionals, coaching, and 24/7 resources.

Virtual and in-person care

Family and caregiver programs

Coaching for children via Cigna®
Get Mental Health Support

Medicare Coordination with the NALC CDHP

If you're enrolled in Medicare Parts A and B, the NALC Postal Consumer Driven Health Plan works with your Medicare benefits to help you lower your health care costs and get added value.

How It Works

  • We limit benefits to the difference between our liability as the primary carrier and Medicare's payment. When our liability is equal to or less than the Medicare payment, you will receive no benefit.
  • You'll still pay the deductible and cost shares unless covered by your PCA.
  • You’ll continue to access the full range of providers and tools through the Plan.

SilverScript® Prescription Drug Plan (PDP)

  • The Plan offers enhanced prescription coverage through the SilverScript® PDP Employer Group Waiver Plan (EGWP)—at no extra cost to you.

  • Combines a Medicare Part D drug list with your current NALC HBP prescription coverage.
  • Helps ensure you always pay the lowest cost available to Plan members.
  • No additional premium required (Some may be subject to Medicare’s IRMAA surcharge based on income levels, which is a determination made by Social Security).

Learn more

Peace of Mind with Global and Nationwide Coverage

Travel confidently—your plan goes wherever you do.

  • Emergency and urgent care coverage anywhere.

  • Submit claims for out-of-country care.

  • Get early refills using the Travel Prescription Request Form.

Need help? Contact the NALC HBP Team

Not sure if the Consumer Driven Health Plan is right for you? Let’s talk.

Contact Us
Download Plan Brochure PDF

FAQs about the NALC Consumer Driven Health Plan

FAQ representative
Funds from the Personal Care Account (PCA) are automatically deducted to pay for eligible out-of-pocket medical expenses. When you receive care, your PCA pays first—before you pay anything out-of-pocket—until the funds are used up. You can track your PCA balance and usage through the myCigna® app or Member Portal.
Any unused PCA funds roll over year to year - as long as you remain enrolled in the CDHP - up to a maximum of $5,000 for self only policies, and $10,000 for self plus one and self and family policies. That means you can build a safety net for future healthcare expenses.
Yes. You can switch plans during Open Season or if you experience a qualifying life event (like marriage, birth, or a job change). Use the PSHB enrollment system to make updates.
Preventive services—including annual checkups, immunizations, and screenings—are covered at 100% when you use in-network providers. These do not count toward your deductible or PCA.
Log in to the myCigna® app or portal to view your ID card, claims, deductible status, and PCA balance. You can also use tools to estimate costs, find providers, and manage your wellness programs.
View All FAQs