Thursday, January 16, 2025

Frequently Asked Health Care Questions


Q.

Who is eligible to become a Participant in the Plan?

A.

You are eligible to participant in the Plan if you work for an Employer that is required to make health and welfare contributions to the Plan for the work you perform. For most Participants, this means working in a position covered by a Collective Bargaining Agreement.

Q.

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

A.

If you fail to have the required employer contributions to continue Health Care coverage, you may be eligible to continue with COBRA Continuation Coverage. Please contact the Trust Fund Office at 844-492-9157.

Q.

How do I maintain my monthly Health Care coverage?

A.

You must have an employer contribution submitted on your behalf each month or elect COBRA Continuation Coverage. Please contact the Trust Fund Office at 844-492-9157.

Q.

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

A.

You may make a payment to remain eligible for Health Care coverage through COBRA Continuation Coverage. Please contact the Trust Fund Office at 844-492-9157.

Q.

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

A.

Please contact the Trust Fund Office at (844) 492-1957.

Q.

Who are my eligible dependents?

A.

Your lawful spouse; Your Registered Domestic Partner; Your natural children up to age 26; Your step-children up to age 26.

Q.

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

A.

Yes. Due to the new Healthcare Reform Act, dependent children are now eligible to remain covered until age 26, regardless of student status.

Q.

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

A.

You must submit legal documentation to the Trust Fund Office, along with a completed Enrollment Form. You can download the Enrollment Form off of this website located under "Forms" and mail it into the Trust Fund Office. Forms Required Are: Spouse, a copy of the marriage certificate; Child, copy of the birth certificate; Step-child, copy of the original birth certificate along with proof of residency; Domestic Partner, copy of the State of California of Domestic Partnership.

Q.

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

A.

Please contact the Trust Fund Office at (844) 492-1957. We will need to obtain a full and complete copy of the divorce decree.

Q.

How do I obtain a replacement Medical and Prescription Card?

A.

Please contact the Trust Fund Office at (844) 492-1957.

Q.

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

A.

Please contact the Trust Fund Office at (844) 492-9157.

Q.

Who is the Prescription Drug Benefit Manager?

A.

Express Scripts

Q.

How can I contact the Prescription Drug Benefit Manager?

A.

express-scripts.com

(800) 606-5704

Q.

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

A.

Healthsmart (800) 687-0500

Q.

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

A.

Healthsmart (800) 687-0500

Q.

How do I find a dentist?

A.

UnitedHealthcare Dental (800) 999-3367 welcometouhc.com/cadental

Delta Dental (888) 335-8227 deltadentalins.com

Q.

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

A.

"If you have the self-funded plan: San Francisco Culinary, Bartender & Service Employees Welfare Fund

PO Box 1618

San Ramon, CA 94583

For other plans - see your ID card."

Q.

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

A.

VSP (800) 877-7195 or vsp.com

Q.

Who Is Eligible for the AD&D Benefit?

A.

All Active Employees, All Retirees, and all Permanent Voluntary Participants. Please note, this benefit is not available to Dependents.

Q.

How do I qualify for the AD& D Benefit?

A.

The injury must be sustained while you have coverage under the Plan and the loss must occur within 90 days after such injury. (Please refer to type of loss and benefit listing below.)

Q.

What is the Benefit Amount If There Is More Than One Loss, In Any One Accident?

A.

Payment will be made only for that loss for which the largest amount is payable.

Q.

What is The AD&D Benefit Amount?

A.

Your Accidental Death and Dismemberment Benefit will be paid for any losses described through accidental means on or off the job.

Your Loss of Life Benefit is: $5,000 - paid to your Beneficiary - effective 9/1/2023; prior to 9/1/2023, the benefit amount was $2,000.

For more detailed information, please contact the Trust Fund office at (844) 492-9157 

Q.

Are there any Exclusions to this Benefit?

A.

 Benefits will not be paid for any loss caused (directly, indirectly, wholly, or partly) by:

1. Disease or bodily or mental illness of any kind

2. Ptomaine or bacterial infections (except infections cause by pyogenic organisms which occur with and through an accidental cut or wound);

3. Intentional self-destruction or self-inflicted injury, provided that the injuries are either; (i) not otherwise covered by the plan; or (ii) not the result of medical condition, such as depression;

4. War or an act of war, whether declared or undeclared;

5. Service in a military, naval, or air force of any country while such country is engaged in war; or

6. Policy duty as a member of any military, naval, or air organization."


*Please note, these benefits are not Vested benefits