Your Choices

When you initially become eligible for coverage (and once every 12 months after any election) you are allowed to select between 3 plans for medical benefits and between 3 plans for dental benefits. Failure to complete the enrollment process in a timely manner will cause your Hours Bank Reserve to be charged as if you are enrolled, but you will have no actual coverage. (Note: The Sound and Communication 45% - 50% Apprentice only option is Kaiser Permanente)

MedExpert

Provides advocacy and assistance services to all participants and their family members.

MedExpert - talk to a doctor for free.

Blue Shield of California PPO

The Board of Trustees have contracted with Blue Shield of California for the purpose of making the extensive Blue Shield PPO network available to you. The doctors and hospitals (providers) have agreed to substantial reductions from their regular fees when the preferred providers are used.

UnitedHealthcare

UnitedHealthcare is a network model Health Maintenance Organization (HMO). It contracts with doctors who are in private practice or are part of established Medical Groups.

You choose a participating Medical Group and from that Medical Group you must select a primary care physician (PCP). Your PCP will be responsible for all of your healthcare needs, and will refer you to a specialist when necessary.

Generally, covered benefits are provided to you at no cost or for a fixed copayment for most outpatient services.

Kaiser Permanente

Kaiser is a hospital model HMO that owns its own medical clinics and hospitals, and employs its own doctors. Under the Kaiser Plan, you can choose your own physician, and are encouraged to do so. You must live within the list of Kaiser ZIP codes to be eligible to enroll in the Kaiser Plan. You can use any Kaiser facility at any time. There are specialist doctors within Kaiser. Generally, covered benefits are provided to you for a fixed copayment or at no cost.

Dental Choices

Whether you select Kaiser, UnitedHealthcare, or Blue Shield as your medical Plan, you have the option to enroll in one of the Dental Plans as part of your covered benefits.

You get a choice of one of the following dental plans:

• United Concordia PPO
• DeltaCare USA Dental Plan (DHMO)
• United Concordia Dental Plan (DHMO)

The Trust offers three dental plans from which to choose: a dental PPO plan and two Dental Health Maintenance Organizations (DHMO) plans. The dental PPO plan is provided by United Concordia/Concordia Advantage Plus. The two DHMO plans are DeltaCare USA and United Concordia.

Vision

Participants in the Blue Shield (PPO) and UnitedHealthcare (HMO) have vision coverage through Vision Service Plan. Kaiser Permanente (HMO) participants have vision coverage through Kaiser. Safety prescription glasses are covered through Vision Service Plan for all three medical plans.

Prescription

All eligible participants have prescription drug coverage through the insured prescription drug programs under the Blue Shield PPO Plan, and the Kaiser Permanente and United HealthCare HMO Plans.

Member Assistance

Member Assistance Program (MAP): covers all eligible participants and members of their household.