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APWU Health Plan

Rehabs That Take APWU Health Plan

The APWU Health Plan is a Federal Employees Health Benefits plan sponsored by the American Postal Workers Union. Coverage can include drug and alcohol treatment, with benefits that vary by plan option, the provider network and the level of care, from inpatient stays to outpatient counseling.Treatment centers in California and New Jersey list the APWU Health Plan on their own websites. Federal plans publish their benefits each year in a plan brochure. Before admission, contact the plan and the center to check network status, precertification for inpatient or residential care, and any cost you may owe.

Rehab Centers Near You

Drug and Alcohol Rehab Centers That Accept APWU Health Plan

Twin Town Treatment Centers – Los Alamitos

4281 Katella Avenue Suite 117, Los Alamitos, California, 90720

4.7★★★★★48

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts TRICARE+2

MATTeensYoung adults+3

Spanish spoken

Twin Town Treatment Centers – Los Alamitos is based on 4281 Katella Avenue Suite 117 in Los Alamitos, Orange County. The facility offers partial hospitalization program (PHP), intensive outpatient program (IOP), outpatient services (OP), medication-assisted treatment (MAT), virtual outpatient (telehealth) and dual diagnosis treatment. Care is provided on an outpatient basis, so people continue living at home. This location is registered for substance use treatment. Details on this page are drawn from the federal treatment…

5.3 miSan Gabriel River5.4 miLong Beach International AirportServes15 towns

Substances treated

Adderall Rehab · Alcohol MAT Friendly · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · Dexedrine Rehab · +32 more

Levels of care

Aftercare and Continuing Care · Continuing Care · Discharge Planning · Evening Treatment · Intensive Outpatient Program (IOP) · Online Rehab and Telehealth · Outpatient Rehab · Overdose Prevention Education · Partial Hospitalization Program (PHP) · Post-Treatment Follow-Up · +2 more

Therapies

12 Step Rehab · Addiction Counseling · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Contingency Management · Counseling and Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy · +2 more

Mental health

Psychosocial Rehabilitation · Social Skills Training

Groups served

Adult Rehab · Early HIV Intervention · Hepatitis Support Services · HIV and Hepatitis Care · HIV Support Services · Men's Dual Diagnosis Rehab · Men's Outpatient Rehab · Men's Rehab · Men's Telehealth · Men's TRICARE Rehab · +23 more

Support services

Case Management · Community Outreach · Health and Wellness Support · Health Education · Housing and Employment Support · Housing Assistance · Peer Support · Practical Support · Recovery Support Services · Self Help Groups · +2 more

Languages

Spanish Speaking Rehab

Insurance accepted

Aetna · Anthem / Elevance Health · APWU Health Plan · Behavioral Health Systems · Blue Shield of California · Carelon Behavioral Health · Centene corporation · Cigna Healthcare · Comp Care · ComPsych · +14 more

Twin Town Treatment Centers – Laguna Hills

23521 Paseo de Valencia Suite B-5, Laguna Hills, California, 92653

5.0★★★★★56

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts TRICARE+2

MATTeensYoung adults+3

Spanish spoken

Twin Town Treatment Centers – Laguna Hills is based on 23521 Paseo de Valencia Suite B-5 in Laguna Hills, Orange County. The facility offers partial hospitalization program (PHP), intensive outpatient program (IOP), outpatient services (OP), medication-assisted treatment (MAT), virtual outpatient (telehealth) and dual diagnosis treatment. Care is provided on an outpatient basis, so people continue living at home. This location is registered for substance use treatment. Details on this page are drawn from the federal…

4.2 miSheep Hills10 miJohn Wayne Orange County International AirportServes1 town

Substances treated

Levels of care

Therapies

Mental health

Psychosocial Rehabilitation · Social Skills Training

Groups served

Support services

Languages

Spanish Speaking Rehab

Insurance accepted

Twin Town Treatment Centers – West Hollywood

8739 Santa Monica Boulevard, West Hollywood, California, 90069

4.7★★★★★25

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts TRICARE+2

MATYoung adultsWomen+2

Twin Town Treatment Centers – West Hollywood is based on 8739 Santa Monica Boulevard in West Hollywood, Los Angeles County. The facility offers partial hospitalization program (PHP), intensive outpatient program (IOP), outpatient services (OP), medication-assisted treatment (MAT), virtual outpatient (telehealth) and dual diagnosis treatment. Care is provided on an outpatient basis, so people continue living at home. This location is registered for substance use treatment. Details on this page are drawn from the federal treatment…

6.6 miBaldwin Hills8.1 miHollywood Burbank/Bob Hope AirportServes24 towns

Substances treated

Levels of care

Therapies

Mental health

Psychosocial Rehabilitation · Social Skills Training

Groups served

Support services

Insurance accepted

Twin Town Treatment Centers – Torrance

3828 Carson Street Suite 100, Torrance, California, 90503

4.4★★★★☆34

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts TRICARE+2

MATTeensYoung adults+3

Spanish spoken

Twin Town Treatment Centers – Torrance is based on 3828 Carson Street Suite 100 in Torrance, Los Angeles County. The facility offers partial hospitalization program (PHP), intensive outpatient program (IOP), outpatient services (OP), medication-assisted treatment (MAT), virtual outpatient (telehealth) and dual diagnosis treatment. Care is provided on an outpatient basis, so people continue living at home. This location is registered for substance use treatment. Details on this page are drawn from the federal treatment locator…

2.6 miTorrance County Beach8.3 miLos Angeles International AirportServes9 towns

Substances treated

Levels of care

Therapies

Mental health

Psychosocial Rehabilitation · Social Skills Training

Groups served

Support services

Languages

Spanish Speaking Rehab

Insurance accepted

PHP4 photos

Twin Town Treatment Centers – Orange

705 West La Veta Avenue Suite 208, Orange, California, 92868

4.8★★★★★~~105~~

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts TRICARE+2

MATTeensYoung adults+3

Spanish spoken

Twin Town Treatment Centers – Orange is based on 705 West La Veta Avenue Suite 208 in Orange, Orange County. The facility offers partial hospitalization program (PHP), intensive outpatient program (IOP), outpatient services (OP), medication-assisted treatment (MAT), virtual outpatient (telehealth) and dual diagnosis treatment. Care is provided on an outpatient basis, so people continue living at home. This location is registered for substance use treatment. Details on this page are drawn from the federal treatment…

5.8 miPeralta Hills7.3 miJohn Wayne Orange County International AirportServes13 towns

Substances treated

Levels of care

Therapies

Mental health

Psychosocial Rehabilitation · Social Skills Training

Groups served

Support services

Languages

Spanish Speaking Rehab

Insurance accepted

Twin Town Treatment Centers – Sherman Oaks

4940 Van Nuys Boulevard Suite 201, Sherman Oaks, California, 91403

5.0★★★★★13

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts TRICARE+2

MATYoung adultsWomen+2

Twin Town Treatment Centers – Sherman Oaks is based on 4940 Van Nuys Boulevard Suite 201 in Sherman Oaks, Los Angeles County. The facility offers partial hospitalization program (PHP), intensive outpatient program (IOP), outpatient services (OP), medication-assisted treatment (MAT), virtual outpatient (telehealth) and dual diagnosis treatment. Care is provided on an outpatient basis, so people continue living at home. This location is registered for substance use treatment. Details on this page are drawn from the…

7.6 miChalk Hills5.9 miHollywood Burbank/Bob Hope AirportServes20 towns

Substances treated

Levels of care

Therapies

Mental health

Psychosocial Rehabilitation · Social Skills Training

Groups served

Support services

Insurance accepted

Childrens National Hospital – Washington

111 Michigan Avenue NW, Washington, DC 20010

3.5★★★★☆~~1,370~~

SAMHSA listed

InpatientOutpatientTelehealth+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+4

Co-occurring DisordersTrauma-informedTeens+5

Spanish spoken

Childrens National Hospital operates from 111 Michigan Avenue NW in Washington. The site sits in District of Columbia County, which shapes which public funding routes apply. The practical catchment runs wider than the city limits, taking in people who travel in rather than finding care on their doorstep. Hospital inpatient care and outpatient care are delivered here, alongside telehealth appointments and care for co-occurring mental health conditions. Which level fits depends on the assessment rather…

3.3 miBathing Beach5.3 miRonald Reagan Washington National AirportServes51 towns

Substances treated

Adderall Rehab · Concerta Rehab · Dexedrine Rehab · Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Prescription Stimulant Rehab · Ritalin Rehab · Smoking Cessation Counseling · Smoking Cessation Medication · Stimulant Rehab · +2 more

Levels of care

Evening Treatment · Inpatient Rehab · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient Rehab · Rehab Transfers · Walk-In Rehab · Weekend Rehab

Therapies

Activity Therapy · Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Dialectical Behavior Therapy (DBT) · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy · Integrated Dual Disorder Treatment · Specialized Therapy

Mental health

Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Depression and PTSD · Depression and Trauma · Family Education Programs · Mental Health Conditions · Mental Health Crisis Services · Mental Health Treatment · Psychiatric Walk-In Clinic · +5 more

Groups served

Couples Rehab · Court Ordered Rehab · Legal Advocacy Support · Teen Dual Diagnosis Rehab · Teen Outpatient Rehab · Teen PTSD Rehab · Teen Rehab · Teen Telehealth · Teen Trauma Rehab · Teen TRICARE Rehab · +3 more

Support services

Case Management · Chronic Illness Management · Education and Job Training · Health and Wellness Support · Housing and Employment Support · Nutrition and Fitness Counseling · Peer Support · Recovery Support Services · Suicide Prevention Services

Languages

Spanish Speaking Rehab

Insurance accepted

Aetna · AmeriHealth · Anthem / Elevance Health · APWU Health Plan · BCBS (Blue Cross Blue Shield) · CareFirst · Cigna Healthcare · First Health · GEHA · HealthPartners · +14 more

Holy Name Pavilion – Teaneck

718 Teaneck Road, Teaneck, NJ, 7666

3.0★★★☆☆4

Federally certified

InpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+3

Co-occurring DisordersTrauma-informedSeniors+4

Holy Name Pavilion is based at 718 Teaneck Road in Teaneck, New Jersey. Provision here is recorded as residential treatment. Provision here is recorded as mental health treatment. This is residential provision, so someone lives at the facility throughout. Remote appointments appear on the record, useful where travel is difficult. Family involvement is listed as part of the provision. SAMHSA holds the federal registration and the New Jersey Division of Mental Health and Addiction Services…

5.2 miSaddle River3.5 miTeterboro AirportServes106 towns

Substances treated

Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Smoking Cessation Counseling · Smoking Cessation Medication · Vaping Cessation

Levels of care

Inpatient Rehab · Online Rehab and Telehealth · Walk-In Rehab

Therapies

Mental health

Alzheimer's and Dementia Care · Co-Occurring Mental Health Conditions · Depression and Anxiety · Depression and PTSD · Depression and Trauma · Family Education Programs · First Episode Psychosis · Illness Management and Recovery · Mental Health Conditions · Mental Health Crisis Services · +6 more

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Rehab for Domestic Violence Survivors · Senior Rehab · Senior Telehealth · Trauma Informed Rehab · Trauma Survivor Programs · Young Adult Rehab

Support services

Case Management · Chronic Illness Management · Education and Job Training · Health and Wellness Support · Housing and Employment Support · Intensive Case Management · Nutrition and Fitness Counseling · Peer Support · Recovery Support Services · Suicide Prevention Services

Insurance accepted

1199SEIU Benefit Fund · Aetna · Ambetter (Centene) · American Progressive · AmeriHealth · Amerivantage · Anthem / Elevance Health · APWU Health Plan · Bergen Risk · Bollinger · +28 more

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Common questions

Answered from what is listed here.

Does APWU Health Plan cover rehab?

Yes, both the High Option and the Consumer Driven Option cover substance use disorder treatment, inpatient and outpatient, in network and out of network. In-network facility care runs 15% coinsurance after the deductible. Residential treatment centers, partial hospitalization and facility-based intensive outpatient are covered but need prior approval first.

Outpatient office visits cost $25 on High Option with no deductible, and no authorization is needed for them.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Does APWU Health Plan cover inpatient rehab?

Yes. Inpatient mental health and substance use treatment is covered at 15% coinsurance in network once the deductible is met, and at 40% out of network on High Option or 50% on the Consumer Driven Option. Authorization is required before admission.

The provider or hospital should call at least two business days before a planned admission, or within two business days after an emergency admission.

Inpatient Rehabhttps://rehabseekers.com/programs/inpatient/

Does APWU Health Plan cover residential treatment?

Yes, residential treatment centers sit on the prior-approval list for both the High Option and the Consumer Driven Option, which means residential care is a covered benefit when authorization is obtained first. Cost sharing follows the plan's mental health and substance use terms.

Call UnitedHealthcare at 866-569-2064 for High Option approvals, or 800-718-1299 for the Consumer Driven Option; both lines are open 24 hours a day.

Residential Rehabhttps://rehabseekers.com/programs/residential/

Does APWU Health Plan need prior authorization for rehab?

Yes, for higher levels of care. Inpatient mental health and substance use admissions, residential treatment, partial or full-day hospitalization and facility-based intensive outpatient all require prior approval under both plan options. Outpatient office visits do not, although certain procedures such as TMS do.

Skipping precertification for an inpatient admission reduces benefits by $500, so the hospital should call before the stay begins.

Inpatient Rehabhttps://rehabseekers.com/programs/inpatient/

Does APWU Health Plan cover IOP?

Yes, facility-based intensive outpatient treatment is covered under both options, and it needs prior approval before the program starts. In-network cost sharing is 15% coinsurance; out of network you pay 40% on High Option and 50% on the Consumer Driven Option.

Approval requests go to UnitedHealthcare at 866-569-2064 for High Option, or Behavioral Health Solutions at 800-718-1299 for the Consumer Driven Option.

Intensive Outpatient Program (IOP)https://rehabseekers.com/programs/outpatient/iop/

How much does rehab cost with APWU Health Plan?

On the 2026 High Option you pay 15% coinsurance in network for inpatient or outpatient substance use treatment after a $450 Self Only or $800 family deductible, up to an in-network out-of-pocket maximum of $6,500 Self Only or $13,000 family.

The Consumer Driven Option pays eligible care in full from the Personal Care Account first ($1,200 Self, $2,400 family), then charges 15% in network.

Residential Rehabhttps://rehabseekers.com/programs/residential/

Does APWU Health Plan cover therapy?

Yes. Outpatient mental health and substance use office visits cost $25 per visit on High Option with no deductible, and 15% of the plan allowance on the Consumer Driven Option. Out of network you pay 40% on High Option and 50% on the Consumer Driven Option.

No authorization is needed for office visits, and counseling for substance use, anxiety, depression and family concerns is included through Behavioral Health Solutions.

Counseling and Therapyhttps://rehabseekers.com/therapies/counseling-and-therapy/

How many therapy sessions does APWU Health Plan cover?

No session limit is stated in the 2026 plan documents for outpatient mental health visits, so coverage continues as long as the care is medically necessary. High Option charges $25 per in-network office visit and the Consumer Driven Option charges 15% of the plan allowance.

Higher levels of care, such as intensive outpatient or residential treatment, are authorized in blocks of days reviewed for medical necessity.

Individual Therapyhttps://rehabseekers.com/therapies/counseling-and-therapy/individual-therapy/

Does APWU Health Plan cover online therapy?

Yes. High Option members can use Teladoc for virtual behavioral health 24/7, with the first two visits free and a $10 copay after that, no deductible. Consumer Driven Option members pay 15% of the plan allowance for virtual visits.

Teladoc can be reached at 1-800-835-2362, and Consumer Driven Option members also get the Calm Health app at no added cost.

Online Rehab and Telehealthhttps://rehabseekers.com/programs/online-rehab-and-telehealth/

Does APWU Health Plan cover Suboxone?

Yes. Generic buprenorphine/naloxone sits on both 2026 drug lists, along with Zubsolv. The Consumer Driven Option places buprenorphine sublingual at Tier 1 and buprenorphine-naloxone film or tablet at Tier 2, each with quantity limits and no prior authorization flag under anti-addiction agents.

Express Scripts administers High Option pharmacy at 1-800-841-2734; OptumRx administers the Consumer Driven Option at 1-855-808-3003.

Suboxone and Buprenorphinehttps://rehabseekers.com/medications/mat/buprenorphine/

Does APWU Health Plan cover Vivitrol?

Yes, on the High Option. Vivitrol appears on the 2026 High Option preferred formulary as an injectable specialty drug, listed alongside Sublocade and Brixadi. Consumer Driven Option members have oral naltrexone at Tier 1 with quantity limits, plus acamprosate and disulfiram at Tier 1.

Call 1-800-222-2798 to ask how a specialty injection is billed and what share you would owe.

Vivitrol Shothttps://rehabseekers.com/medications/mat/naltrexone/vivitrol-shot/

Does APWU Health Plan cover out-of-network rehab?

Yes, at a higher cost. High Option pays 60% of the plan allowance out of network, leaving you 40%, while the Consumer Driven Option pays 50%. High Option out-of-network deductibles are $1,000 Self Only and $2,000 family, with a $12,000 Self Only out-of-pocket maximum.

Prior approval is still required out of network for inpatient, residential, partial hospitalization and facility-based intensive outpatient care.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Is APWU Health Plan the same as UnitedHealthcare?

No. APWU Health Plan is a not-for-profit plan sponsored and underwritten by the American Postal Workers Union, AFL-CIO, and operated as a department of the union. It uses UnitedHealthcare PPO networks, including Choice Plus and the behavioral health network, and UnitedHealthcare handles precertification.

The Medicare Advantage option for High Option retirees is a UnitedHealthcare Group Medicare Advantage PPO, so some members carry a UnitedHealthcare-issued card.

Luxury Rehab That Accepts UnitedHealthcarehttps://rehabseekers.com/type/luxury/unitedhealthcare/

Does APWU Health Plan Medicare Advantage cover mental health?

Yes. The 2026 UnitedHealthcare Group Medicare Advantage PPO for APWU Health Plan High Option retirees charges $0 for inpatient mental health with unlimited days, $0 for outpatient individual and group therapy, $0 for psychiatrist and virtual behavioral visits, and $0 for outpatient substance use and opioid treatment program services.

Enrollees need Medicare Parts A and B; enrollment questions go to UnitedHealthcare at 1-855-383-8793.

Medicare Mental Health Treatmenthttps://rehabseekers.com/insurance-accepted/medicare/medicare-mental-health-treatment/

How do I find a rehab that takes APWU Health Plan?

Search the UnitedHealthcare behavioral health network, which holds more than 449,000 behavioral health providers, through the provider network pages on the plan's website or the member portal. You can also call member services at 1-800-222-2798 for help finding a behavioral health provider.

Ask the program whether it is in the UnitedHealthcare network and have it start precertification before admission for inpatient or residential care.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

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APWU Health Plan is the American Postal Workers Union’s own not-for-profit national PPO, sold to postal workers under the Postal Service Health Benefits Program and to federal employees and retirees under the Federal Employees Health Benefits Program. The card carries the union’s name, but the doctors, hospitals and treatment programs behind it belong to the UnitedHealthcare network.

The plan is self-administered and self-underwritten, a not-for-profit Voluntary Employees’ Beneficiary Association formed in 1972 and run from Elkridge, Maryland, with roots going back to a 1960 plan launched by the United Federation of Postal Clerks. It covers more than 171,000 lives and sells two designs: the High Option fee-for-service PPO and the Consumer Driven Option, a high-deductible plan with a plan-funded Personal Care Account. Which of the two you hold changes the arithmetic of a rehab admission more than anything else.

This guide sets out what each option pays for detox, residential care, partial hospitalization, intensive outpatient treatment and therapy, which levels need precertification and what happens if the call is skipped, the 2026 deductibles and coinsurance, how addiction medication is handled by each pharmacy benefit manager, and how to find a program that holds a contract with the network behind the plan.

Does APWU Health Plan Cover Drug and Alcohol Rehab?

Yes. Both the High Option and the Consumer Driven Option cover mental health and substance use disorder services, inpatient and outpatient, in network and out of network. Inpatient treatment, residential treatment centers, partial or full-day hospitalization and facility-based intensive outpatient treatment all sit on the plan’s prior authorization list for 2026.

The behavioral benefit is not carved out to an unrelated company. It runs through UnitedHealthcare Behavioral Health Solutions, the same arrangement for both options and in every state, drawing on a behavioral network of more than 449,000 providers inside a wider network of over 1.8 million providers and 5,600 hospitals. Referrals are not required, so an admissions team can start the authorization conversation without a primary care gatekeeper.

What Does APWU Health Plan Pay at Each Level of Care?

On High Option, in-network mental health and substance use care runs at 15% coinsurance for inpatient care and for outpatient services other than office visits, with office visits at a flat $25 copay and no deductible. On the Consumer Driven Option, eligible care is paid in full from the Personal Care Account until that money is used, after which the share is 15% in network.

Medical Detox

Withdrawal management is not described as a separate benefit line in the published 2026 summaries, while inpatient substance use treatment is covered with precertification. Ask the plan whether the admission will be processed as inpatient substance use treatment and at what coinsurance, and ask the program whether it bills medical detox as a hospital or a facility claim. Acute alcohol or benzodiazepine withdrawal belongs in an emergency department whatever the paperwork says.

Residential and Inpatient

Residential treatment centers appear on the prior authorization lists for both options, which is how the plan signals that residential rehab is a covered service rather than an excluded one. The published summaries state inpatient cost sharing but not a separate residential figure, so ask the plan which benefit line a residential stay is paid under before the admission date is set.

PHP, IOP and Outpatient

Partial or full-day hospitalization and facility-based intensive outpatient treatment are covered with authorization, and PHP is often the step down after an inpatient week. Outpatient counseling needs no authorization and carries no stated visit limit in the 2026 summaries. High Option adds Teladoc virtual behavioral visits on 1-800-835-2362, free for the first two and $10 after that; Consumer Driven Option virtual visits run at 15% of the plan allowance.

Does APWU Health Plan Need Prior Authorization for Rehab?

Yes, for inpatient mental health and substance use treatment, residential treatment centers, partial or full-day hospitalization, facility-based intensive outpatient treatment, applied behavior analysis and TMS. Outpatient office visits need no authorization. High Option precertification goes through UnitedHealthcare on 866-569-2064 and the Consumer Driven Option through Behavioral Health Solutions on 800-718-1299, both available around the clock.

The provider or hospital makes the call at least two business days before a planned admission; an emergency admission is reported within two business days afterwards. Precertification weighs medical necessity and the number of days authorized. The criteria set used is not named in the plan’s published material, so it is a fair question to put to the reviewer, along with how continued stay is reassessed.

If the call is not made. Failing to precertify an inpatient admission reduces benefits by $500 on both options. That is a penalty on top of the usual deductible and coinsurance, and it is the single most avoidable cost in the whole process.

Does Medicare Change the Authorization Rule?

Yes. When Medicare Part A is primary for a hospital stay, precertification is not required. Postal annuitants who are required to carry Part B lose eligibility for the Postal Service Health Benefits plan if they do not enroll, so retirees should settle their Medicare status before an admission rather than during one.

How Much Does Rehab Cost With APWU Health Plan?

On 2026 High Option the in-network deductible is $450 Self Only and $800 Self Plus One or Family, with 15% coinsurance on inpatient and outpatient substance use care and a $25 copay per office visit. The in-network out-of-pocket maximum, combining medical and drug costs, is $6,500 Self Only and $13,000 for a family, and that cap is what an extended stay runs into.

The Consumer Driven Option starts with a Personal Care Account of $1,200 Self Only or $2,400 Self Plus One and Self & Family, which pays eligible care in full until it is spent; the in-network deductible then runs $1,000 Self Only and $2,000 family, net of the account, with 15% coinsurance after it. Unused account money rolls over up to $5,000 Self Only and $10,000 family.

Out-of-Network Treatment

Any provider can be used. High Option pays 60% of the plan allowance out of network, leaving 40% to the member, against a $1,000 Self Only or $2,000 family deductible and a $12,000 Self Only or $24,000 family out-of-pocket maximum. The Consumer Driven Option pays 50% out of network against a $1,500 or $3,000 deductible. Precertification still applies to inpatient care, and the $500 reduction still bites.

Typical US market rates before insurance
Level of care	Monthly	Daily
Medical detox (7–14 days)	$1,500 – $5,200 per week	$215 – $745
Residential inpatient	$6,200 – $26,000	$205 – $865
PHP	$7,200 – $14,000	$240 – $465
IOP	$2,700 – $9,200	$90 – $305
Outpatient	$1,300 – $5,200	$45 – $175

Those are billed rates without coverage. With either option the member’s share is the coinsurance above until the out-of-pocket maximum is reached, which is why the deductible balance and the running total for the year matter more than the program’s sticker price.

Does APWU Health Plan Cover Suboxone, Methadone and Other Addiction Medication?

Yes for buprenorphine and naltrexone. The 2026 High Option preferred formulary lists generic buprenorphine and naloxone, Zubsolv, Sublocade, Brixadi, Vivitrol, naloxone nasal spray and Kloxxado. The Consumer Driven Option list places sublingual buprenorphine at Tier 1 with quantity limits and the film and tablet combinations at Tier 2.

On the Consumer Driven Option, oral naltrexone, acamprosate, disulfiram and naloxone are all Tier 1 with quantity limits and no prior authorization flag under anti-addiction agents. Methadone dispensed through an opioid treatment program is not addressed on the published commercial pages, so a member starting at a dosing clinic should ask the plan how the program’s services are billed.

Where the Prescription Is Filled

High Option pharmacy is administered by Express Scripts on 1-800-841-2734, with retail Tier 1 at $10, Tier 2 at 25% capped at $200 and Tier 3 at 45% capped at $300, and no drug deductible. The Consumer Driven Option uses OptumRx on 1-855-808-3003 with an Advantage three-tier formulary. Medication given during an inpatient stay is part of the facility claim rather than a pharmacy fill.

Retirees With Medicare

High Option retirees with Parts A and B can take the UnitedHealthcare Group Medicare Advantage PPO built for the plan, which in 2026 charges $0 for inpatient mental health with unlimited days, $0 for outpatient therapy and substance use services, and $0 for opioid treatment program services, with a $100 monthly Part B premium reduction. Enrollment questions go to 1-855-383-8793. Retirees who stay outside that plan get an Express Scripts or UnitedHealthcare Part D drug plan instead.

Which Rehab Centers Are In-Network With APWU Health Plan?

A program is in network when it holds a contract with the UnitedHealthcare network behind the option on the card: Choice Plus nationwide, the Options PPO network for Utah residents on High Option, and the UnitedHealthcare behavioral directory for substance use care. Network status is settled in the plan’s provider search or by calling 1-800-222-2798.

Programs that accept APWU Health Plan are gathered on the APWU Health Plan page, alongside the wider private insurance listings and level-of-care pages for detox centers, inpatient rehab and outpatient rehab. Each listing shows the payments a program says it accepts, its licensing and accreditation, and how far it sits from the nearest airport, so a shortlist can be drawn up before the call that settles network status.

How Do I Find a Rehab That Takes APWU Health Plan?

Search the behavioral health network through the provider networks page on the plan’s postal or federal site, use the member portal, or call 1-800-222-2798 and ask for help finding a behavioral health provider. The plan operates in all 50 states and the District of Columbia, with network coverage extending to the U.S. Virgin Islands and, on the Consumer Driven Option, Puerto Rico.

Give the admissions team the enrollment code from the card, since High Option and the Consumer Driven Option carry different codes and different precertification lines. For urgent support at any hour, the crisis number is on the ID card, and 988 can be called or texted.

Is APWU Health Plan the Same as UnitedHealthcare?

No. APWU Health Plan is a department of the American Postal Workers Union, AFL-CIO, self-administered and self-underwritten, holding its own contract with the Office of Personnel Management. UnitedHealthcare supplies the network, the behavioral health management and the care coordination, and insures the companion Medicare Advantage plan. It is also distinct from the union itself and from other postal plans such as the NALC Health Benefit Plan.

Before an admission date is set: know whether the card says High Option or Consumer Driven Option, how much of the deductible and out-of-pocket maximum has already been met this year, whether the program holds a UnitedHealthcare network contract, and who is making the precertification call and when. Those four answers settle the bill.

References and Citations

APWU Health Plan — 2026 Postal Service Health Benefits and Federal Employees Health Benefits brochures and Summaries of Benefits and Coverage for the High Option and Consumer Driven Option.
APWU Health Plan — provider network, prior authorization and behavioral health pages, and 2026 premium and pharmacy formulary documents.
U.S. Office of Personnel Management — Postal Service Health Benefits and Federal Employees Health Benefits plan information for APWU Health Plan.
UnitedHealthcare — Group Medicare Advantage PPO plan materials for APWU Health Plan retirees, 2026.
RehabSeekers directory listings and market rate research, United States, 2026. Ranges are indicative and vary by facility, length of stay and coverage.