Local 18’s Medical “Safety Net”
As an active member of IBEW Local 18, you and your families
are recipients of one of the very best health-care benefit packages in
the field. And, I am sure, most of you have long since realized that affordable,
comprehensive health-care coverage is literally a life saver, something
worth its weight not only in gold, but in security and peace of mind for
you and your loved ones.
Here are some of the features of your Blue Cross (HMO) medical coverage:
Your monthly contribution:
- Member only: none
- Member plus one dependent: none
- Member plus two or more dependents: none
Summary of benefits:
- Benefit provision: HMO
- Deductible (individual): none
- Deductible (family): none
- Maximum out-of-pocket payment: $500 individual; $1,000 individual
+1, $1,500 family
- Lifetime Maximum: N/A
- Doctor’s office visit: no charge
- Preventive care costs: immunizations ( 100% covered), periodic health
exam ( 100% covered)
- Vision care costs: exams, lenses, frames, contacts 100% covered
every 12 months
- Emergency care costs: covered in full
- Hospital room and board costs:
semi private room and board: no charge
miscellaneous expenses: no charge
ambulance services: no charge
- Maternity service costs: 100% covered
- Surgery costs: provided at no cost, including the services of an
assistant surgeon
- Mental health service costs:
inpatient: covered in full (acute care for detox only; 30-day maximum/year
for subacute
care). Out of Network covered at 50% up to $600/day for R&C charges
(detox only)
outpatient: $20 co-pay/visit, 30 visits maximum/year
- Prescriptions:
in hospital: no charge for drugs, anesthesia, medication and biologicals
out of hospital: $5 co-pay (generic), $10 co-pay (brand name) –
30-day supply
mail order: $10 co-pay (generic), $20 co-pay (brand name) –
90-day supply
- Chiropractic service costs: $10 co-pay (up to 30 visits/year, includes
acupuncture)
- Home health care costs: no charge
- Physical therapy: no charge (up to 60 days/condition)
- Skilled Nursing Facility: skilled nursing care up to 100 days/calendar
year provided at no charge
- In addition, most dental preventive and procedural costs are none
or small co-payments.
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