Monday, February 2, 2026

Frequently Asked Health Care Questions


Q.

Who is eligible to become a Participant in the Plan?

A.

You must work under a collective bargaining agreement with IBEW Union Local 9 that requires contributions to be made on your behalf to the Health Fund.

Q.

What if I don’t work enough hours to gain eligibility for the month?

A.

You must work a minimum of 360 hours in a Work (calendar) quarter to earn coverage in the corresponding eligibility quarter.  For example, the work quarter of January/February/March provides Health Care coverage for the eligibility quarter of May/June/July.  If you are new to the trade and you do not work 360 hours, you will need to wait until the next calendar quarter in which you work 360 hours or more.  If you have at least 320 hours (but not 360 hours) in your first work quarter, there is a special rule that allows you to make a self-payment for the hours that you are short to earn initial eligibility.

Q.

How do I maintain my monthly Health Care coverage?

A.

You must work a minimum of 360 hours in a Work (calendar) quarter to earn coverage in the corresponding eligibility quarter.  For example, the work quarter of January/February/March provides Health Care coverage for the eligibility quarter of May/June/July.

Q.

How do I make a payment towards the continuation of my Health Care coverage?

A.

If you do not have 360 hours in a work quarter and you do not have any hours in your Hours Bank, you will receive notification about your self-pay and COBRA rights approximately 2 weeks before the month that your coverage ends.

Q.

Whom should I call if I have questions about my Health Care eligibility?

A.

For questions about Health Care eligibility, call the Fund Office at 708.449.9004.

Q.

Who are my eligible dependents?

A.

Your spouse, natural-born children, and adopted children.  You must provide the required information such as a marriage certificate for a spouse, birth certificate for children, adoption papers, and some kind of court order such as custody orders in cases of divorce.

Q.

Will my child(ren) who is/are age 19 through age 26 be covered under the Plan?

A.

Yes, dependent children are covered until the end of the month in which they turn age 26.

Q.

How do I add my new baby or spouse to my insurance plan?

A.

New dependents, spouses or children, must be enrolled with 90 days of becoming your dependent.  You will need to complete an enrollment form and provide required documents such as a marriage certificate for a spouse, birth certificate for children, adoption papers, and some kind of court orders such as custody orders in cases of divorce.

Q.

Whom should I contact if I'm getting a divorce and what documents do I need to submit?

A.

Eligibility for your spouse and step-children (if any) terminates as of the date of your divorce or legal separation.  Please call the Fund Office immediately at 708.449.9004.

Q.

How do I obtain a replacement Medical and Prescription Card?

A.

Contact the Fund Office at 708.449.9004. 

Q.

How do I inquire about the status of my medical claim?

A.

Contact the Claims Department of the Fund Office at 800.461.9025.

Q.

Who is the Prescription Drug Benefit Manager?

A.

SavRx is the Prescription Drug Benefit Manager.

Q.

How can I contact the Prescription Drug Benefit Manager?

A.

Call SavRx at 800.228.3108.

Q.

If a service I need requires Prior Authorization, who do I (or my provider) contact?

A.

SavRx at 800.228.3108.

Q.

If I need to utilize Mental Health or Substance Abuse benefits, who do I contact?

A.

Case Management Specialists (CMS) at 800.861.8744.

Q.

How do I find a dentist or find out if my dentist participates with Blue Cross Blue Shield's Dental Network Of America?

A.

Call DNOA at 866.522.6758

Q.

If I have Medicare, who does my provider submit the claim to?

A.

If you are under age 65, the Health Fund is primary to Medicare.

Q.

Who are my Vision benefits through and how can I contact them?

A.

VSP. They can be contacted at 800.877.7195

Q.

Eligibility: How do I become eligible for Disability Benefits?

A.

An illness or injury in which your doctor provides a written statement that you are temporarily totally disabled.

Q.

Does the fund offer any extensions? 

A.

No.

Q.

How much does the Disability Benefit Pay per week? 

A.

$600 per week for non-occupational injury.  See the Plan rules for benefits for maternity and work-related injuries.

Q.

How long can I collect a Disability Benefit?

A.

Maximum 26 weeks.

Q.

 Are there any Death Benefits Available?  How do I qualify for Death Benefits?

A.

Death benefits are available.  See Plan rules for details.

Q.

Is there a filing limit for Death Benefits?

A.

Claims should be filed within 90 days of the date of death.

Q.

Who is Eligible for the Death Benefit? 

A.

Actives and certain retirees are eligible for the death benefit.

Q.

How Much Does the Benefit Pay?

A.

$100,000 for active members (First $50,00 is insured and not taxable. The other $50,000 is self-funded and taxable) and $15,000 for certain retirees.

Q.

How are benefits paid out, who receives the benefits when I pass? 

A.

The benefits are insured through Blue Cross Blue Shield.  Applications are submitted through the Health Fund Office.  Benefits are paid to the designated beneficiary form on file.  If no form is on file with the Health Fund Office, see the Plan rules for order of distribution.