The following is your Schedule of Benefits. You will find details about the benefits listed in this Schedule in the sections that follow.



Death Benefit (Employee Only)


Accidental Death and Dismemberment Benefit (Employee Only)

For Your Death


For Two Dismemberments


For One Dismemberment


Weekly Accident and Sickness Disability Benefit (Employee Only)

Weekly Benefit

$300 per week  for up to 13 weeks

Benefit Begins on

First day after an Accident

Eighth day after Sickness

Maximum Duration of Benefit

13 Weeks or 65 Working Days per Injury or Sickness, in accordance with the Disability Section in General Exclusions and Limitations

A Non-Bargained Employee is not eligible for the Weekly Accident and Sickness Benefit until the first day of the fourth month after the Non-Bargained Employee began participating in the Plan.

Wellness Expense Benefit (Employee and Spouse Only)

Physical Examination, Smoking Cessation Programs and Certain Tests and Laboratory Work

Unlimited. Deductible and coinsurance do not apply

Medical Benefit (Employee and Dependents)


Comprehensive Major Medical Lifetime Maximum Benefit (including Mental Health Benefits)


Deductible: Individual/Family (not included in your Out-of-Pocket Maximum)

$500/Maximum of 3 individual deductibles per family each calendar year

Coinsurance (% the Fund Pays for Most Covered Services, Unless Otherwise Specified)


Out-of-Pocket Maximum
                PPO Provider

                Non-PPO Provider

$1,750 per person or $5,250 per family per calendar year after Deductible is satisfied

Not applicable[1]

Hospital and Ambulatory Surgical Facilities[2]

                PPO Facilities

                Non-PPO Facilities

Subject to Pre-Admission Authorization2



70% of the Reasonable and Customary Charge





Physician’s Services

                PPO Physicians

                Non-PPO Physicians



70% of the Reasonable and Customary Charge

Chiropractic Services

                PPO Providers

                Non-PPO Providers

                Calendar Year Maximum 
                per Person



70% of the Reasonable and Customary Charge

Up to 20 visits annually

Mental Health Treatment


                PPO Facility

                Non-PPO Facility


               PPO Physician

               Non-PPO Physician




70% of the Reasonable and Customary Charge



Substance Abuse Treatment



                PPO Facility
                Non-PPO Facility


               PPO Physician

               Non-PPO Physician



70% of the Reasonable and Customary Charge



Infertility Treatment Benefits


Diagnosis and Treatment of Infertility

Treatments to Promote Conception


50% of covered expenses

No Maximum

$20,000 (Combined Lifetime Maximum for You and Your Spouse )

Organ and Tissue Transplants

Treated the same as other medical expenses. (However, no deductible or coinsurance is applied if you use a Blue Cross Blue Shield Centers of Excellence Facility).

Hospice Care Benefits


Bereavement Counseling

Maximum Lifetime Benefit

No deductible or copayment Is required

100% paid by Fund

Limited to 6 visits Up to 16 days for in-patient services; 80 days for outpatient services

Substance Abuse Employee Assistance Program

Telephone Counseling and Referral Program

No charge





OptumRx Prescription Drug Program

Retail Program                  

Mail Order Program              

You should use the Prescription Drug Program in the following manner:

For immediate or short-term medications

For maintenance or long-term medications

You Pay


Generic Drug (Per Prescription)

10% ($5 minimum)

10% ($10 minimum)

Brand Name Drug – Generic Available (Per Prescription)

30% ($25 minimum, $50 maximum)

30% ($50 minimum, $100 maximum)

Brand Name Drug – No Generic Available (Per Prescription)

20% ($15 minimum)

20% ($30 minimum)

Maximum Supply

34 days

90 days

Refill Limit

As prescribed

As prescribed

Calendar Year Deductible per Family, not included in the Out-of-Pocket Maximum


Reimbursement of Non-Network Pharmacy Expenses is explained in Retail Pharmacy Network.

Optical (Vision) Benefits


Lenses, Frames and Eye Examinations

Up to $425 per person (for PPO services) during a consecutive two-year period. (No Maximum for children up to age 19 for pediatric preventive care and screenings.)The EyeMed program provides additional benefits.

Hearing Aid Benefit


Hearing Aid

Hearing Exam

$1,250 maximum per device

Up to $150 per exam once per calendar year for Members and each Dependent


[1]      The Out-of-Pocket Maximum is also applicable to In-Network both Inpatient and Outpatient services for Mental Health and Substance Abuse. The Out-of-Pocket Maximum is not applicable for covered expenses received at non-PPO Hospitals or non-PPO Ambulatory Surgical Facilities, for services received from a Non-PPO Physician, treatment of infertility, or for non-covered expenses.

[2]      See the Pre-Admission Authorization for information about obtaining prior approval through Blue Cross Blue Shield Medical Service Advisory (MSA) before elective hospitalization, elective Inpatient surgery, dialysis facility, and skilled nursing facility, and the requirements for notifying the MSA of any emergency admission within certain timeframes. If you do not call the Blue Cross Blue Shield MSA for prior approval or within two days of an emergency admission, you must pay an additional  $250 copayment.