- Active Health
- Retiree Health
- DB Pension
- DC Pension
- SUB Plan
Refer to the HIPAA Special Enrollment Rights Form (Decline) for information and to submit the form. Please contact the Administrative Trust Fund Office for further assistance.
Yes, during the annual open enrollment period which is explained in the Retiree SPD.
Refer to the SPD section entitled "Required Monthly Self-payment Deduction".
Refer to the SPD section entitled "COBRA".
Refer to the SPD section entitled "Choosing Between the Two HMO Plans".
Refer to the principal benefits chart available here.
Refer to the SPD section entitled "Medicare Supplement Plan for Retirees/Spouses".
The following information will be useful:
No. If you are eligible and enrolled, you do not need to do anything.
Under our Plan, if you are not eligible for no more than two consecutive months, there should be no ACA penalty. While you are not eligible under this or any other Plan, you are responsible for your medical bills. (For COBRA rights under our Plan, see Summary Plan Description.)
Under WHCRA, group health plans, insurance companies, and health maintenance organizations (HMOs) offering mastectomy coverage must also provide coverage for reconstructive surgery in a manner determined in consultation with the attending physician and the patient. Coverage includes reconstruction of the breast on which the mastectomy was performed, surgery, and reconstruction of the other breast to produce a symmetrical appearance, and prostheses and treatment of physical complications at all stages of the mastectomy, including lymphedemas.
All group health plans, and their insurance companies or HMOs that provide coverage for medical and surgical benefits with respect to a mastectomy are subject to the requirements of WHCRA.
Yes, but only if the deductibles and coinsurance are consistent with those established for other benefits under the plan or coverage.
Yes. The Medicare Supplement Plan only reimburses you for eligible charges not paid by both Medicare and other insurance plan(s) up to the maximum of $2,500 per year. The Medicare Supplement Plan will make reimbursement to you after Medicare and any other group insurance plans have adjudicated the claim.
Generally most drugs which can only be dispensed under Federal or State law upon a written prescription plan.
Refer to the section entitled, "Exclusions: Applicable to both Walk-In Pharmacies and Mail Order Prescription Plans."
For a complete description of the prescription drug plan refer to the section entitled "Mandatory Prescription Drug Plan" as listed in the Table of Contents of the Summary Plan Description.
The role of the FDA is to ensure that all new brand and generic drugs are safe and effective. The FDA also monitors reports from doctors, pharmacists, and nurses on adverse drug reactions. As with all drugs, brand and generic, some adverse reactions are possible.
To learn more about generic drugs, you can contact the FDA at 1-888-INFO-FDA, or visit the FDA Center for Drug Evaluation and Research website at http://www.fda.gov/Drugs/default.htm.
Important notice to retired participants enrolled in the Medicare Supplement Plan or enrolled in Medicare. The Mandatory Prescription Drug Plan provides a comprehensive prescription drug plan which has been certified as creditable coverage. This means that the actuarial value of the Mandatory Prescription Drug Plan equals or exceeds the actuarial value of standard prescription drug coverage under Medicare Part D. Therefore, do not enroll in Medicare Part D.
If you do enroll in a Medicare Part D prescription drug plan, you will be charged an additional $32 per month which will be deducted from your monthly pension check effective upon enrollment in the Medicare Part D. plan.
If you erroneously enroll in a Medicare Part D drug plan and later chose to disenroll from this plan, you should contact Medicare for your disenrollment rights.
A new drug is given two names. One is the brand name, which is what the manufacturer chooses to call the product. The other is the generic drug, which is the name of the chemical compound of the drug. Every drug has a generic name to describe its active ingredient.
When a company develops a new drug, it has a patent for about 17 years. The patent protects the drug company's right to be the only manufacturer of that drug. After the patent expires, other companies can then manufacture and sell the drug under either a different brand name or the generic name. Because of lower research costs and more competition, the new product is usually sold at a lower price than the original brand name product.
The Food and Drug Administration (FDA) reviews all name brand and generic products for safety and effectiveness. Before a generic drug is approved for use in the United States, the drug company must provide proof to the FDA that the product has the same active ingredient when compared to the brand name product. In addition, the generic product must meet FDA standards for the amount of active ingredient and speed of absorption into the body. When the generic product meets these standards, it is considered equivalent.