Preventive Care Benefits — NALC High Option Plan
Stay on top of your health with preventive care designed for Postal members. With the NALC High Option Plan, you get 100% coverage for routine checkups, screenings, vaccines, women’s health services, and more when you use in-network providers. Prevention is the best medicine — and it’s all included at no extra cost.
What You Need to Know About
Your High Option Preventive Care
Preventive care is at the core of the NALC High Option Plan. By focusing on early detection and healthy habits, members can protect their long-term health and avoid costly treatments later.
In-Network Preventive Care — $0 Cost
100% coverage for preventive services
No deductible
No copays
No effect on your out-of-pocket maximum
Out-of-Network Preventive Care
35% coinsurance of the Plan allowance
You may also owe the difference between what the provider bills and the Plan allowance
Save the most by staying in-network
Preventive Care for Adults
Your health matters at every stage of life. With the NALC High Option Plan, members receive full coverage for essential preventive services.
What’s Included
Annual routine physical exam (age 22+)
Routine colonoscopy & sigmoidoscopy as recommended by the USPSTF.
USPSTF A & B screenings: cancer, osteoporosis, depression, diabetes, high blood pressure, cholesterol, HIV, colorectal cancer
Annual A1C test (age 18+)
One-on-one counseling for reducing health risks
Adult immunizations as recommended by the CDC
Women’s preventive care
Preventive Care for Children and Young Adults
Healthy beginnings lead to strong futures. The NALC High Option Plan covers preventive services for children and young adults at no cost when you use in-network providers.
What’s Included:
- Newborn exam (with family enrollment)
- Routine well-child visits through age 2
- Annual physicals ages 3–21 (includes school, camp, and sports — not covered at CVS MinuteClinic®)
- Annual A1C test starting at age 18
- Immunizations as recommended by the CDC
Reward Opportunity: Earn $50 in health savings rewards when your child completes six well-child visits before 15 months.
Biometric Screenings and
Wellness Rewards
Take charge of your health with a free annual biometric screening — fully covered for members when rendered by an in-network provider.
Includes:
BMI calculation
Waist circumference
Total cholesterol
Blood pressure check
Fasting blood sugar
Obesity Prevention &
Nutrition Support
The NALC High Option Plan helps our members manage weight and nutrition with personalized programs and professional guidance.
Covered Services
Intensive nutrition and behavioral weight-loss counseling
Family-centered programs for obesity prevention
Classes and therapy from a registered nurse or dietitian
Virtual nutrition counseling through the NALC HBP Telehealth app
Real Appeal® Program: free online group and 1-on-1 coaching, fitness-on-demand tools, and nutrition support
Additional Coverage Notes:
FDA-approved anti-obesity medications when prescribed in conjunction with one of the Plan's weight loss programs.
Bariatric or metabolic surgery is covered when medically necessary
What’s Not Covered Under Preventive Care
To avoid unexpected costs, here are services that do not count as preventive care:
Routine lab tests not listed under the preventive benefits section of our official Plan brochure.
Travel or work-related vaccines and medications
Employment, insurance, or travel physicals
Services not recommended by USPSTF, CDC, or HHS guidelines
Need Help With
We’re here to make preventive care simple and accessible. If you have questions about coverage, services, or wellness rewards, reach out today.
Call NALC HBP
Member Services:
Download Your Plan
Brochure
FAQs About Preventive Care for Postal Members
Yes. In-network preventive services are covered at 100% with no deductible, copay, or cost-sharing.
Yes. Members 18 and older can receive rewards for completing an annual biometric screening, and by receiving an annual flu or pneumococcal vaccine.