Your Health Care Benefits
The Board of Trustees is pleased to welcome you to the new Health Care benefits website
for the IBEW/Western Utilities Health & Welfare Plan. The medical plan options (including
prescription drugs), along with the Dental Plan, Vision Plan and AD&D benefits are
listed below .
Employee contributions are required if you elect coverage. Your monthly contributions
for the cost of medical (including prescription drug), dental, and/or vision coverage
will depend on the health plan options that you elect and the coverage level you
choose (i.e., You only, You + spouse, You + 1 child, You + children or You + family).
The percentage of pay formula that helps determine employee contributions may change
from year to year. Your contributions are deducted from your paychecks in equal
amounts throughout the year, on a pre-tax basis.
Medical Benefits
Medical coverage is an important part of your IBEW/Western Utilities Health &
Welfare Trust Fund benefits. The Fund offers you five health plan options from which
to choose:
- The Consumer Driven Health Plan
- The Comprehensive Health Plan
- The Premium Health Plan
- The Kaiser Everyday Health Plan (Local 125 Members Only)
- The Kaiser Permanente HMO (Local 125 Members Only)
Prescription Benefits
Prescription drug coverage is included with any of the medical plans offered by
the Fund. Recognizing the importance of this coverage, the Fund has contracted with
a Pharmacy Benefit Manager, Sav-Rx, that provides access to a national retail pharmacy
network and a mail-order service that are easy, convenient, and can save you money
on your medications.
Dental Benefits
If you elect medical coverage under the Comprehensive Health Plan, the Premium Health
Plan, the Kaiser Everyday Health Plan, or the Kaiser HMO, you can elect dental coverage
through Delta Dental. Delta Dental offers two provider networks—PPO and Premier
for members of the Plan (excluding members enrolled in the Basic Medical Plan).
You can see any dental provider, but when you go to a Delta Dental PPO provider
you’ll receive the highest level of benefits. If you reside more than 25 miles outside
the Delta PPO and Premier network area, you can see any provider and eligible charges
will be paid at the Premier network level of benefits, after any applicable deductibles
have been met.
Vision Benefits
If you elect medical coverage under the Comprehensive Health Plan, the Premium Health
Plan, the Premium Plus Health Plan, or the Kaiser HMO, you can elect vision coverage
through the vision program offered by Vision Service Plan (VSP).
Employee Assistance Program (EAP)
EAP
counseling & referral service for mental health, stress, substance, work
life services and many more topics. The EAP is available at no cost to you and
all members of your household. That includes dependent children up to age
of 26, whether or not they live at home. Services are confidential and available
24 hours a day, 7 days a week.
COMPSYCH
Phone: 1-800-206-4843 TRS: Dial 711
Online: guidanceresources.com
Company Web ID: IBEWEAP
Life Insurance
The Fund has contracted with CIGNA Group Insurance for the provision of life insurance
coverage. As an employee, you are offered basic life/accidental death and dismemberment
(AD&D) and supplemental life insurance for yourself. You can only purchase basic
life insurance with AD&D for your spouse, and basic life insurance for your
dependent child(ren) if you elect basic life insurance for yourself.