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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 $3,750, 100% thereafter.

     

  • In network-$350 deductible/person per year,  $1,050 max/family per year

  • No co-pay for office visit,

  • 100% of Lab-work, etc., as an out patient, in network & an independent lab.  

  • Weekly disability benefit - $425/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  $15

  • Formulary-  20% (minimum $40, maximum $200) 

  • Non-Formulary- 30% (minimum $60, maximum $200) 

Dental Benefits:

  • Preventative - No deductible, paid @ 100%, subject to calendar year maximum. Must wait a full 6 months in between visits.

  • $75 individual per year deductible; $225 per year deductible per family for "other services".

  • $950 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