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IBEW Local 22

Announcements

2017 WELLNESS PROGRAM

01/18/2017

The IBEW Local Union No. 22/NECA Health and Welfare Plan would like to invite all Plan Participants and Spouses to take part in the annual no-cost wellness screening offered through SimplyWell.  

 

Location: ...
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Blue Cross Blue Shield is Now Offering Telehealth Services

02/18/2016

Telehealth is a fast, easy way to see a doctor. Blue Cross and Blue Shield of Nebraska offers telehealth services through American Well®, also known as Amwell, the industry’s leading telehealth solution – serving more...

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News & Updates

National Immunization Awareness Month

08/12/2016

Get Vaccinated to Protect Your Health   

National Immunization Awareness Month is observed each August to highlight the importance of vaccination for people of all ages. Vaccines play a vital role in preventing...

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Identity Protection Services Available to You

03/24/2016

AllClear Secure provides automatic access to identity repair for you and your eligible family members at no cost. This service protects you on the
internet and everywhere else. No matter where or how identity theft...

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About Your Benefits

Click a link below for more information.

Medical Benefits | HRA Benefits 
Wellness Program | Prescription Benefits
Vacation & Holiday Benefits | Pension Plan A Benefits
Defined Contribution Plan B Benefits

The IBEW Local 22/NECA Fringe Benefit Funds offer you and your family a comprehensive benefits package that includes health and welfare, pension, defined contribution, and vacation and holiday benefits.

Medical Benefits (does not apply to Retirees who are eligible for Medicare)

Your medical benefits are through a PPO Plan with Blue Cross Blue Shield of Nebraska. In and Out of network benefits are covered and include care for preventive medicine, hospitals, physician’s, emergency room, chiropractic, mental health, substance abuse, and more.

Health & Welfare Summary Plan Description

Medical Provider - Blue Cross Blue Shield of Nebraska
Web site  www.bcbs.com

Customer Service:
Local: 402.390.1820 or toll-free: 1.800.642.8980
TTY/TTD (for the hearing impaired):  402.390.1888

Medical Benefits for Retirees who are Medicare Eligible
If you are retired and eligible for Medicare, your medical benefits are provided by United Healthcare – 1-800-851-3802

 

HRA Benefits

The Plan also offers Health Reimbursement Arrangement (“HRA”) benefits which give you more flexibility in the way you meet your and your family’s health care needs.  If you have an HRA account, the money in your account can be used to reimburse you and your dependents for certain out-of-pocket medical care expenses.

An HRA is an employer-funded arrangement that provides tax-free reimbursement to eligible Active and Retired Employees for certain medical expenses incurred by you or your eligible dependents.  Amounts that are not used in one year can be carried over to the following year, provided you remain an eligible Active or Retired Employee.

You will not be taxed on the value of your HRA or on the reimbursements you receive from your HRA.

The funds in your HRA can be used for allowable health care expenses. In general, any medical or dental expense that is not reimbursed or reimbursable by a health or insurance plan, and that you haven’t claimed the expense as a deductible on your federal tax return such as health plan premiums, co-payments, deductibles, co-insurance.

Your Benny debit card can be used to pay for prescription co-payments. For reimbursements of other eligible expenses, sign up for direct deposit and receive reimbursements right into your bank account, or sign up for automatic recurring reimbursement of your premiums. You can also submit a paper claim and receive a check if you prefer.

Stay connected to your account with the mobile app or by logging into your benefits dashboard. Click on the Members Login and register to see your HRA balance and more.

 

Wellness Program

You and your dependent spouse are eligible for an annual no-cost wellness screening through SimplyWell. The program includes an on-site health screening, a 19-page comprehensive health report on all categories of wellness and valuable health and wellness information. You can complete a health risk questionnaire by registering on www.simplywell.com.

 

Prescription Benefits

LDI is the pharmacy benefit manager that administers the prescription drug benefits.  LDI provides a network of participating retail pharmacies and the mail order pharmacy program. 

You do not have to meet a deductible prior to receiving prescription drug benefits; instead you will pay a copayment for each prescription in accordance with the chart below.  Generally, when you purchase your prescription drugs at a retail pharmacy, you can obtain up to a 30-day supply for each copayment.  You may still receive up to a 90-day supply if it is prescribed by your doctor and you pay 3-copayments. 

When you purchase your prescription at the mail order pharmacy administered by LDI or at a Walgreens retail pharmacy, you can obtain up to a 90-day supply for each copayment.

Prescription Drug Type

Retail Pharmacy
(other than Walgreens)

Mail Order Pharmacy or Walgreens Retail Pharmacy

Generic

The greater of $10 or 10% of the cost of the prescription drug (but never greater than 100% of the cost of the prescription drug)

$20 (but never greater than 100% of the cost of the prescription drug)

Brand name drug listed on the Formulary

The greater of $25 or 20% of the cost of the prescription drug *

The greater of $50 or 20% of the cost of the prescription drug*

Brand name drug NOT listed on the Formulary

The greater of $40 or 40% of the cost of the prescription drug *

The greater of $80 or 40% of the cost of the prescription drug*

Chantix

$25 per month

$25 per month

Bupropion (generic Wellbutrin)

$10 per month

$20 per month

*Plus the difference in the ingredient cost if your prescription is for a brand name drug when a generic is available.”

LDI Integrated Pharmacy Service
Retail: toll free 866.516.3121
Mail order: 314.652.1121 or 866.516.1121
701 Emerson Rd., Suite 301
Creve Coeur, MO  63141
www.LDIRx.com

 

Pharmacy Benefits for Retirees who are Medicare Eligible

Effective January 1, 2016, LDI Integrated Pharmacy Services will administer the Medicare Part D Prescription Program for IBEW Local Union No. 22/NECA Health and Welfare Plan.

Your prescription drug benefit plan enables you to obtain prescription drugs at a Retail Pharmacy or through LDI’s convenient Mail Service Pharmacy.

 

Retail Copay - 30 Day Supply

Retail Copay up to a 90 Day Suppl

Mail Order Copay – 90 Day Supply

When to Use It

For immediate drug needs or short-term medications

For maintenance or long-term medications

For maintenance or long-term medications

Copays

Tier 1 (Generic):  Greater of $10.00 or 10%

Tier 2 (Preferred): Greater of $25.00 or 20%

Tier 3 (Non-Preferred): Greater of $40.00 or 25%

Tier 1 (Generic):  Greater of $30.00 or 10%

Tier 2 (Preferred): Greater of $75.00 or 20%

Tier 3 (Non-Preferred): Greater of $120.00 or 40%

Tier 1 (Generic):  $20.00

Tier 2 (Preferred): Greater of $50.00 or 20%

Tier 3 (Non-Preferred): Greater of $80.00 or 40%

Specialty Drugs

Tier 4 (Specialty) Greater of $40 or 33% Limited to a 30 Day Supply

Out of Pocket Maximum

Your out of pocket maximum per calendar year is $3,300.  Once you have met your out of pocket maximum your copay will be $0.00

If you have any questions regarding your pharmacy benefits, please don’t hesitate to contact a Customer Care Associate at 1 (877) 389-0609 or visit: www.ldirx.com and click on Members, scroll down and then click on the Medicare Part D Participants link. 

 

Vacation & Holiday Benefits

You become a participant in the Vacation & Holiday Trust Fund immediately upon your written authorization on a form provided to you by the union.  Your employer will deduct an amount equal to 6% of your gross wages for vacation pay, and an amount equal to 2% of your gross wages for holiday pay.  The money is held in trust and an account is set up in each participant’s name.  You may elect to have your monthly vacation contributions transferred to an account at the Credit Union or you may elect to receive a semi-annual disbursement of your vacation funds in May and November of each year.

Your Holiday benefit will be paid to you in November of each year.

 

Pension Plan A Benefits

Pension Plan A is designed to provide income for you after you retire or become disabled, or for your surviving beneficiaries.  The Plan is a Defined Benefit Plan, which means the Plan provides an amount of income determined from a benefit formula. 

Pension Plan A provides pension benefits to vested participants once they reach retirement age or become disabled.  You become a vested participant once you complete five years of vesting service.  The amount of hours you need to work in covered employment to earn a year of vesting service depends on what year the hours were worked.  For service from January 1, 1962 through December 31, 1967, you will earn one year of vesting service for each calendar year that you worked at least one hour in covered employment.   For service after January 1, 1968, you will earn one year of vesting service for each calendar year that you work at least 300 hours in covered employment.   If you have a break in service before becoming vested, you may lose the vesting service that you have accumulated. 

A participant earns credited service based on the number of hours (s)he works in covered employment.  The number of years of credited service that a participant earns determines the amount of his or her pension.  Generally, this means that the more you work in covered employment, the greater your pension benefits will be when you retire. 

A summary of Pension Plan A is explained in the Plan’s Summary Plan Description (“SPD”) as well as the Summaries of Material Modifications.  We urge you to read the SPD very carefully so that you will understand your Pension Plan A benefits.  We also encourage you to show the SPD to your family.  It is important that they be aware of your retirement benefits and the survivor protection offered.  Please note that we are providing this SPD so that you can have a better understanding of the benefits offered by the Plan.  However, this SPD is not a substitute for the official Plan Document.  If there are any differences between the Plan Document and this SPD, the Plan Document will govern.

If you are married, please share the Pension Plan Summary of Plan Description with your spouse.

 

Defined Contribution Plan B Benefits

The Defined Contribution Plan B is intended to provide you and your family with retirement benefits that supplement your benefits from Pension Plan A.  This Plan is a Defined Contribution Plan, which means an individual account is set up for each participant. 

If you are an employee, your individual account is created on the date that the Fund Office receives the first contribution from an employer on your behalf. All contributions made to the Plan by an employer on your behalf will be deposited in your individual account.  Your individual account will also contain any investment gains or losses attributable to those amounts and will be charged with administrative expenses. 

You are responsible for directing how the money in your individual account is invested.  The Plan has engaged the services of The Vanguard Group to provide you a broad range of investment options to choose from.  You may direct that the money in your individual account be placed in one of more of the investment options. 

A summary of Defined Contribution Plan B is explained in the Plan’s Summary Plan Description (“SPD”) as well as the Summaries of Material Modifications.  We urge you to read the SPD very carefully.  We also encourage you to show the SPD to your family.  Please note that we are providing the SPD so that you can have a better understanding of the benefits offered by the Plan.  However, this SPD is not a substitute for the official Plan Document.  If there are any differences between the Plan Document and this SPD, the Plan Document will govern.