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Consumer Driven Health Plan: Preventive Care Benefits

Stay on Top of Your Health With Preventive Care

As a member enrolled in the NALC Consumer Driven Health Plan (CDHP) you have access to a wide range of essential preventive care services—at no added cost when you use an in-network provider.

What You Need to Know About Your CDHP Preventive Care

Know What’s Covered — Preventive Care Made Simple We've made it easy to understand and use your preventive care benefits so you can take proactive steps toward long-term health.

In-Network
Preventive Care

When you use an in-network provider, the CDHP covers 100% of the preventive care for our members.

That means:

  • No deductible

  • No copay

  • No impact to your Personal Care Account (PCA)

Tips:
• Services must meet the definitions as listed in the official NALC HBP Plan Brochure.
• Exclusions and limitations apply

Out-of-Network
Preventive Care

If you use an out-of-network provider for preventive care:

  • You’ll pay 50% coinsurance after meeting your calendar year deductible

  • You may also owe the difference between the provider’s charge and the NALC Health Benefit Plan allowance

Tip: The most cost-effective preventive care for postal employees comes from in-network providers.

Preventive Care for Adults — Covered at No Cost (In-Network)

The CDHP offers preventive care for our members which includes annual wellness visits, recommended screenings, and immunizations—at no cost when you use in-network providers.

What’s Included:

  • Annual routine physical
  • Colonoscopy and sigmoidoscopy screenings
  • USPSTF A & B recommended screenings (cancer, osteoporosis, depression, diabetes, high blood pressure, cholesterol, HIV, colorectal cancer)
  • Annual A1C test starting at age 18
  • Preventive counseling to reduce health risks

Women’s Health
Benefits for Postal
Employees

Full coverage for:

  • Pap tests, STI counseling, contraceptive coverage, and domestic violence screenings

  • Newborn protection medication

  • Mammogram coverage (one between ages 35–39; annual starting at 40; 3D mammograms included)

Adult
Immunizations

CDC-recommended vaccines, including flu, pneumonia, shingles, and hepatitis, are covered in-network.

Preventive Care for Children and Young Adults

Healthy Starts for a Healthier Future The CDHP is committed to supporting our members’ families from birth through early adulthood. With fully covered in-network care, children get the preventive services they need to grow strong and stay healthy.

Covered at No Cost (In-Network)

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  • Newborn Exam First checkup for babies covered under a family plan
  • Routine Well-Child Visits: Exams and screenings through age 2
  • Annual Physicals: One per year for ages 3–21, including school, camp, and sports physicals
  • Annual A1C Test: One per year starting at age 18

Children’s Immunizations for Postal Employee Families

All CDC-recommended childhood vaccines are covered at no cost when received in-network, including:

  • DTaP/Tdap (diphtheria, tetanus, pertussis)
  • Polio
  • MMR (measles, mumps, rubella)
  • Varicella (chickenpox)

These vaccines are a critical part of preventive care for postal employees’ dependents and help keep communities safe.

Wellness Rewards
for Children’s
Preventive Care

Members can earn $30 in health savings rewards when their child completes six well-child visits through age 15 months. This not only encourages preventive care but also supports early detection and intervention if needed.

Download Plan Brochure PDF

Biometric Screenings and Wellness Rewards for Postal Members

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Get Rewarded for Prioritizing Your Health

The NALC Consumer Driven Health Plan (CDHP) rewards members for taking proactive steps to protect their well-being. One of the simplest ways to benefit is by completing your annual biometric screening, which gives you a complete snapshot of your current health and helps you track progress year after year.

Annual Biometric Screening Includes:

  • Body Mass Index (BMI) measurement
  • Waist circumference check
  • Cholesterol panel
  • Blood pressure reading
  • Fasting blood sugar test

By completing your screening, you’ll earn $30 in health savings rewards—extra funds you can put toward eligible medical expenses.

Download Plan Brochure PDF

Vaccines and
Rewards for Postal
Employees

Staying protected from preventable illnesses benefits your health and your wallet. Eligible postal employees can earn rewards for keeping vaccinations up to date.

  • Annual Flu Vaccine: Protect yourself each flu season and earn a $5 health savings reward.
  • Pneumococcal Vaccine: Reduce your risk of serious respiratory illness and earn a $5 health savings reward.

These vaccines are covered at no cost when you use an in-network provider, ensuring that preventive care for postal employees is both convenient and affordable.

Make a
Personalized
Prevention Plan

Every member’s health needs are unique. Use the MyHealthFinder tool at health.gov/myhealthfinder to build a personalized preventive care checklist based on your age, gender, and health history. Then, schedule your services with in-network providers to make the most of your benefits and rewards.

Obesity Prevention & Nutrition Support

Healthy Habits for Long-Term Wellness Maintaining a healthy weight and balanced nutrition is an essential part of preventive care for our members. The CDHP provides no-cost programs designed to support sustainable lifestyle changes and long-term success.

Covered at No Cost
(In-Network)

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  • Personal Nutrition Counseling: One-on-one guidance to help you meet your health goals
  • Family-Centered Programs: Support for the entire household when medically identified
  • Educational Classes: Led by registered nurses or dietitians
Enroll Today
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What’s Not Covered Under Preventive Care

To help you plan ahead, here are examples of services that don’t count as preventive care:

  • Lab tests not listed in our Plan brochure under adult or child preventive care
  • Hearing tests (unless specifically listed)
  • Travel or job-related vaccines, boosters, or medications
  • Physical exams for work, school, camp, sports, or travel

Out-of-Network Reminder: If you receive preventive services from an out-of-network provider, you'll pay 50% coinsurance after meeting your deductible and may be responsible for the balance between the charge and our Plan allowance

Need Help With Preventive Care?

You and your family’s health matters. Our Member Services team is here to help you navigate your benefits and understand your coverage.

NALC HBP Member Services — Get answers and support for any plan questions
Contact Us
Download the Plan Brochure - see full benefit details, including what's not covered
Download Plan Brochure PDF

FAQs About Preventive Care for Postal Employees

FAQ representative

The plan covers preventive screenings, immunizations, and wellness visits at 100% when you use in-network providers.

Yes - covered dependents have access to the same preventive care benefits.

Yes. Common vaccines—including flu, COVID-19, shingles, and HPV—are covered at 100% when received from an in-network provider or participating pharmacy.

Preventive screenings for blood pressure, cholesterol, diabetes, colorectal cancer, cervical cancer, breast cancer, and other age-appropriate tests are fully covered.

Yes. Pediatric immunizations, growth and development checkups, and vision and hearing screenings are included at no cost.

View All FAQs