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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