Coordination of Your Plan Benefits with Medicare

The Plan coordinates benefits with Medicare.

In general, Medicare is the primary plan responsible for paying benefits for Plan participants who are eligible for Medicare Parts A and B, or Part C. If you are eligible for Medicare Parts A, B, or C, the Plan will not pay benefits covered by Medicare, regardless of whether you or your dependents actually enroll in Medicare Parts A, B, or C. Additional benefits that are not covered by Medicare are offered by this Plan to eligible Retirees and their Eligible Dependents. For those additional benefits, this Plan is primary. 

If you are enrolled in Medicare Part A and Part B, you may be eligible to participate in the Sheet Metal Workers’ Local 73 Supplemental Wraparound Insurance (SMW+).

If you are covered by this Plan as a Retiree and you are eligible to enroll in Medicare Part D, you are not required to enroll in Medicare Part D. The Plan will pay your Prescription Drug Benefits, without taking eligibility for Medicare Part D into account. However, if you are eligible for, and enroll in Medicare Part D, you will lose your Prescription Drug benefits provided by the Plan.