"Insurance Benefits"
The 4th District IBEW Health Fund
Benefits Provided:
Comprehensive Major Medical Benefits:
$2,000,000 lifetime maximum benefit for all covered benefits
pays 80% of in network of the first $3,500, 100% thereafter.
In network-$250 deductible/person per year, $750max/family per year
No co-pay for office visit,
100% of blood-work, etc., with Quest lab card, in network & an independant lab.
weekly disability benefit - $250/weekly for 26 weeks.
Prescription Benefits:
Retail Pharmacy
Generic 10% (minimum $10; maximum $100)
Formulary 20% (minimum $15; maximum $100)
Non-formulary 30% (minimum $30; maximum $100)
Mail Service (maintenance drugs only; mail service is mandatory on maintenance drugs).
Generic $20
Formulary $40
Non-Formulary $50
Dental Benefits:
Preventative - No deductible, paid @ 100%, subject to calendar year maximum. Must wat a full 6 months in between visits.
$75 individual per year deductible; $225 per year deductible per family for "other services".
$750 maximum benefits per person per year, which includes preventative & other services combined.
Vision:
Exam every 12 months in network
This is a brief overview of the benefits available. For more information, please contact:
4th District IBEW Health & Welfare fund
888-466-9094
304-525-0331