Your Health Care Benefits

The Board of Trustees is pleased to welcome you to the new website for the Operating Engineers Local 501 Security Fund. Within this website, you will now have access 24 hours a day, 7 days a week to commonly requested forms, useful links, and frequently asked questions regarding your benefits provided by the Plan. As always, please feel free to contact the Benefit Office at (800) 320-0106 if you have any additional questions or concerns.

California Participants

The Trustees for the Operating Engineers Local 501 Security Fund (the “Fund”) have contracted with Anthem Blue Cross Managed Care Services (“Anthem”) to provide a network of preferred providers, medical care and treatment at contract rates, and a Medical (and Mental Health/Substance Use Disorder) services Review Organization to provide medical (including Mental Health and Substance Use Disorder) services review and case management. The purpose of the program is to control health care costs and to ensure that services received are medically necessary and appropriate.

Alternatively, the Kaiser Permanente HMO may be chosen. This HMO provides benefits only to those Employees and their eligible Dependents who have properly chosen this particular coverage as described in the section of the Summary Plan Description (“SPD”) entitled “Choice of Medical Plans.” Please see the applicable Evidence of Coverage for details regarding the extent of coverage offered and specific limitations and exclusions.

Nevada Participants

The Trustees for the Fund have contracted with Anthem Blue Cross Managed Care Services (“Anthem”) to provide a network of preferred providers, medical care and treatment at contract rates, and a Medical (and Mental Health/Substance Use Disorder) services Review Organization to provide medical (including Mental Health and Substance Use Disorder) services review and case management. The purpose of the program is to control health care costs and to ensure that services received are medically necessary and appropriate. Please note that Mental Health/Substance Use Disorder benefits are provided through Behavioral Health-Care Options.

Alternatively, the Health Plan of Nevada (“HPN”) HMO may be chosen. This HMO provides benefits only to those Employees and their eligible Dependents who have properly chosen this particular coverage as described in the section of the Summary Plan Description (“SPD”) entitled “Choice of Medical Plans.” Please see the applicable Evidence of Coverage for details regarding the extent of coverage offered and specific limitations and exclusions.

Dental

The Fund provides you and your eligible Dependents with a choice of dental plans providing comprehensive dental benefits. Your choices include the prepaid DHMO plan and self-funded Indemnity PPO plan.

DeltaCare USA’s Dental HMO Plan is a choice for active Employees. DeltaCare USA’s DHMO Dental Plan provides care through private, well-established dental offices. All participating Dentists are in private practice. When you enroll in DeltaCare USA, there are no claim forms involved because the Fund pays DeltaCare USA directly for dental care. The DeltaCare USA Plan provides covered services either at no cost to you or at specified co-payment amounts for covered benefits. Under the DeltaCare USA Plan, you must select a participating dental office and receive all dental care services from that office. Each member of your family may use a different dental office.

Delta Dental PPO is another choice for active Employees. While covered under the PPO plan, you are free to choose any dentist for treatment, but it is to your advantage to choose a Delta Dental Dentist. If you choose a Delta Dental Dentist, you will receive all of the advantages of going to a Delta Dental Dentist, and you may have a higher level of Benefits for certain services. To find a Delta Dental PPO Dentist, you can go to their website at www.deltadentalins.com. You can also call Delta Dental Customer Service at (800) 765-6003 to either talk to a customer service representative or to request a provider directory.

Vision

The Fund has contracted with Vision Service Plan (“VSP”) to provide an annual eye examination, lenses every twelve (12) months and frames every twenty-four (24) months, if needed, for you, your Spouse, and your Dependents. The Vision Service Plan is designed to encourage you to maintain your vision through regular eye examinations and to help with vision care expenses for required glasses or contact lenses.

Death Benefits

If you die from any cause while you are an Employee eligible for benefits under this Plan, your designated beneficiary will be entitled to $10,000 as a death benefit. Participants covered under the Total Disability extension are not eligible for the death benefit.

If your death occurs as the result of an accident on or off your job while you are an Employee eligible for benefits under this Plan, the Plan will provide $10,000 in addition to the regular death benefit described above. This is referred to as the Accidental Death, Dismemberment, and Loss of Sight (AD&D) benefit. Participants covered under the Total Disability extension are not eligible for the AD&D benefit.

Please refer to the Fund’s Summary Plan Description for a complete list of the rules and regulations governing these benefits.

Prescription/Rx

Through a service contract with OptumRx, the Fund provides prescription drug benefits for covered prescriptions for all eligible Active Participants and Retirees covered by the Indemnity Plan. The Indemnity Plan includes both Anthem and SHO described above.

Note: Active Employees covered by Kaiser and HPN should review their separate HMO plan documentation and information to determine the prescription drug coverage. Retirees covered by Kaiser and HPN should also review the separate HMO plan documentation and information for a description of their prescription drug coverage.