WELFARE FAQ's-
When do I become eligible for health insurance coverage through the Fund?
You will become eligible on the 1st of the month following a month during which you work in covered employment.
What are the continuing eligibility requirements?
You will remain covered until your PAP account balance is depleted or insufficient to cover your Health Care Benefit premium. You can continue coverage by self-paying your premium as long as you are actively seeking employment through IBEW Local 910’s referral procedures.
How do I add my new baby or spouse to my insurance Plan?
If they meet the qualifications as a dependent under the Plan you would need to supply the Fund Office with a copy of the birth certificate or Marriage certificate and fill out a new enrollment form.
How long may children be covered under the Plan?
Until the last calendar day of the month that they turn age 26.
How much is my deductible?
$250 Individual or $500 Family.
How can I get a replacement insurance ID card or information on claims?
- At ExcellusBCBS.com/IBEW910 you can
- Review your Order or print additional ID cards
- Print your health statement/explanation of benefits
- Find medical providers Compare costs for services
- Create a Personal Health Record at My Health Connection (for you and your doctors to access)
- Click on the tab “For Your Health” to enjoy HealthyPerks discounts and free wellness programs
What is the Health Expense Benefit?
If you incur health care expenses while you are a participant in the Plan, for yourself, your spouse, or your eligible dependents and these expenses are not covered under the Health Care Benefit or any other insurance; you may apply for a distribution from your account to pay for the uncovered bills. You may not draw your PAP account balance below $2,000 using this benefit.
Do I have any life insurance?
Active participants have a $10,000 life insurance benefit – double for accidental death.