Consumer Driven Health Plan: Preventive Care Benefits
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
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 postal employees with annual wellness visits, recommended screenings, and immunizations—at no cost when you use in-network providers.
What’s Included:
- Annual physical starting at age 22
- Colonoscopy or 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
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)
- 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.
Biometric Screenings and Wellness
Rewards for Postal Members
Get Rewarded for Prioritizing Your Health
The NALC Consumer Driven Health Plan (CDHP) rewards postal employees 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.
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
Maintaining a healthy weight and balanced nutrition is an essential part of preventive care for postal employees. The CDHP provides no-cost programs designed to support sustainable lifestyle changes and long-term success.
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
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
Download the Plan Brochure - see full benefit details, including what's not covered
FAQs About Preventive Care for Postal Employees
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.