Frequently Asked Questions

Is my medical provider in-network?  

You can use the Cigna HealthCare OAP Online Provider Directory here or for the most up to date information, contact the CareAllies Provider Locator at 1-877-220-6252.

Where can I get basic benefit information?

Check out our Benefits At-A-Glance here.

What are my basic benefits when Medicare is my primary insurance?

Check out our Medicare Benefits At-A-Glance document here.   

How do I enroll?

Find out how to join the Plan here!

What are the premiums for this plan?

You can review our current rates here.  

How do I get a physical copy of your Brochure? 

Just make a quick phone call to our top-rated customer service department at 1-888-636-NALC (6252) to request a paper copy of the brochure or CD-ROM.

I heard that there may be associate member dues if I’m not a member of NALC.  Is that true? 

There is a $36 annual membership fee for non-postal employees.  See the front cover of the NALC Health Benefit Plan Brochure for more information.

What are your prescription benefits?

CVS/Caremark is our pharmacy benefits manager. Find out more here.

I’m a CCA.  What do I need to know?

Read the October 24, 2017 letter from President Rolando to CCAs here.

Does this plan cover dental and vision?

The NALC Health Benefit Plan does not offer routine dental or vision coverage.  However, the Federal Employees Dental and Vision Insurance Program (FEDVIP) is separate from the FEHB program.  You can find a comparison of the plans available and their premiums on the OPM website at and