MEDICAL COVERAGE, PRESCRIPTION DRUGS, DENTAL, VISION CARE AND LIFE INSURANCE
You must have accumulated to your credit a minimum total of 500 hours worked. Coverage is to be effective on the first day of the second month after the month in which the eligibility requirements are satisfied. Example: You reach 500 hours in August; your coverage begins October 1st. Thereafter, 125 hours per month is required to continue your monthly eligibility. If you fall below 125 hours worked in one month, you can draw from your reserve hour bank to continue eligibility.
Your coverage includes Medical, Prescription Drugs, Dental, Vision Care, Health Reimbursement Account, Member Assistance Program, and a Life Insurance policy of $5,000. Dental benefits are with Delta Dental or Redwood Health Services (same benefit schedule), vision benefits are with Vision Service Plan, health reimbursement account with Navia Benefits and member assistance benefits are with Optum. Please review the comparison of medical plans to help in your decision of which plan you want to choose.
• Kaiser Medical HMO
• Sutter Health Plus HMO
• Western Health Advantage (WHA) HMO
• Anthem PPO – only available to participants outside the HMO service areas
• Delta Dental – no application required
• Redwood Health Services – complete application enclosed
If you reside in the Humboldt and Del Norte counties WHA HMO may be your choice, or out of state the Anthem PPO Plan may be your choice. Call the Trust Fund Office with your questions.
Insurance benefits, cost breakdown and applications are available upon request. We need to receive, in the Trust Office, the proper paperwork to cover you under the plan you choose. To cover your spouse or child(ren), if any, we must also receive a copy of your marriage certificate and child(ren) birth certificates. Should you have any questions, please contact the Trust Fund office at (707) 526-1996.
NOTE: IF NO COMPLETED APPROPRIATE ENROLLMENT FORM IS RECEIVED BY THE ADMINISTRATIVE OFFICE AS OF THE FIRST DAY OF THE SECOND MONTH AFTER THE MINIMUM HOURS REQUIREMENT HAS BEEN MET, THE ELIGIBLE EMPLOYEE WILL BE DEFAULTED INTO EMPLOYEE-ONLY COVERAGE UNDER THE WESTERN HEALTH ADVANTAGE (WHA) HMO MEDICAL PLAN.
DEPENDENT COVERAGE: For dependents, coverage is effective for the dependent on the date you meet the initial and continuing eligibility requirements, so long as a completed enrollment form is received by the Administrative Office with all the required information within 60 days of you meeting the eligibility requirements. Otherwise, coverage is effective the first day of the month following the month in which a completed enrollment form is received and approved by the Trustees. However, for a newborn child or an adopted child, coverage is effective on the date of birth or the date of adoption or placement for adoption with the condition that an enrollment form is completed and received by the Administrative Office within 60 days of the date of birth or the date of adoption or placement for adoption. If the prescribed enrollment form is not received by the Administrative Office within the 60-day period, the effective date will be the first day of the month following the month in which the enrollment form is received. Coverage for a new spouse is effective the first day of the month following the month in which an enrollment form is completed, and a copy of the marriage certificate is received by the Administrative Office. To obtain more information about these enrollment rights, please contact the Administrative Office at (707) 526-1996.
Redwood Empire Electrical Workers
Health & Welfare Trust Fund