APWU Health Insurance

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Postal Workers please help me
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Any retired or still active Postal Workers out there, I need some help. Open Season is starting November 8th. I am thinking of changing to the APWU High Option insurance plan for the coming year. I see that it is handled by CIGNA and am curious as to how the claims are handled. Do you have a lot of problems with them trying not to pay what is owed, or do they just say you are not covered, or (hopefully) you have had no problems with them at all. I have had BC/BS for 30+ years, but the premiums are skyrocketing. I can save $161 a month if I switch to APWU, but do not want to make a mistake. BC has been wonderful and I have never been denied any coverage. I was in the hospital for 21 days in ICU and step down recently, and between Medicare and BC I paid $0. Please let me know, people, if APWU is that good or not. I thank you all in advance.
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User Replies:
oldisgood on 10/26/2010:
I missed the time for editing. Please only Postal Workers or retirees from the PO reply to this, as this policy through the APWU is the insurance I am interested in. Thanks
MDSasquatch on 10/26/2010:
at my agency we usually have a Benefits Fair where a lot of the different providers set up booths and answer questions; you might want to see if your agency is having one or possibly a nearby one
Skye on 10/26/2010:
Just to let you know, there is no edit time limit for reviews. You can go into your review anytime and edit whatever you need to. The edit time does however, run out for comments that have been posted.

Also, reviews are for anyone and everyone to comment on. You never know who might be able to help you, and by limiting who you would like to comment on your review just might keep someone who has the information you are looking for, away.
oldisgood on 10/26/2010:
Thank you Skye. I am somewhat new to this and have not submitted many reviews. I couldn't find any "edit" button, so I just assumed I couldn't. I have since looked closer and found it. I do hope I get some answers to my question though. There has to be some reason why one insurance is so much cheaper than the other. Both are offered by the Post Office.
Skye on 10/26/2010:
You're very welcome.

When you are offered insurance, do they have a contact number for anyone, who may be able to help you? I'm sure there are many other postal workers out there who have questions and concerns.
oldisgood on 10/26/2010:
Open Season starts Nov. 8th. Then they will have someone connected with the policy to talk to you, but I would rather talk to someone who has used it than to someone who is trying to sell you something.
sanquiz on 11/14/2010:
I, too, am searching for others who have the Cigna High Option through APWU. My family has had BC/BS for 10+ years but the premiums are getting way too high. Any info that current Cigna-covered employees/retirees have would be GREATLY appreciated. Like the original poster, I don't want to mess up and wish I hadn't changed!
Anonymous on 11/14/2010:
I work for an insurance company for Postal and Federal employees and we have an option that covers medicare's copayments, coinsurances, and deductibles. Open season ends December 13th. If you have questions, go to my blog and send me a private message
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