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Q. Who do I contact with questions?
A. If you have questions about your eligibility, benefits or claims, contact the Fund Office at:
(218) 728-4231 or (800) 570-1012
If you have questions about Union membership or related matters, contact your Local Union:
Local 11: (218) 727-2199
Local 49: (218) 724-3223
Local 106: (218) 724-6466
Local 589: (218) 741-2482
Q. What medical Network are we in?
A.The Plan has entered into an agreement with Blue Cross Blue Shield of Minnesota.
Q. Do I have to go to a network provider?
A. No. However, if you utilize an out-of-network provider you will be responsible to pay any amount charged above the Plan’s Reasonable and Customary Charge.
Q. What is our deductible?
A. Your deductible is $200 per individual per calendar year or $400 per family per calendar year unless you are on the reduced self-pay plan then your deductible is $500 per individual per calendar year or $1,000 per family per calendar year.
Q. What is the most I could pay in a year for my major medical benefits?
A. The out-of-pocket limit per calendar year is $1,200 per individual or $2,400 per family unless you are on the reduced self-pay plan, which the out-of-pocket limit per calendar year is $5,000 per individual or $10,000 per family. Premiums, balance billing, health care this plan does not cover and emergency room deductibles do not apply towards the out-of-pocket limit.
Q. Who is covered under my benefits?
A. Yourself and all of your eligible dependents as defined by the Plan.
Q. How can I find a doctor?
Q. Why do I have to complete a form after an injury/accident claim?
A. The Plan receives limited information from medical providers, and as a result, when the Plan receives a bill with a diagnosis of an accident or possible accident, the Plan is required to obtain additional information, in writing, from the Participant. The Plan must determine, through the completion of the form, whether the accident was work related, auto related or third-party liability.
Q. How long are children covered under the Plan?
A. Dependent children, as defined by the Plan, are eligible to be covered until age 26.
Q. Is there a short-term disability benefit available?
A. If you meet eligibility requirements there is a weekly disability benefit available for a maximum of 13 weeks. Short-term disability benefits are not payable to retirees, non-bargaining unit employees, dependents or active individuals on the reduced self-pay plan. Please refer to the SPD or call the Fund Office for additional information.
Q. Are dental and vision benefits available?
A. Dental and vision benefits are provided to active employees and their dependents except for those on the reduced self-pay plan. Dental and vision benefits may be available to eligible retirees and their dependents. Please refer to the SPD or call the Fund Office for additional information.
Q. What dental network are we in?
A. The Plan has entered into a network agreement with Delta Dental.
Q. What dentists can I go to?
A. You can see any dentist you wish.
Q. How can I find a dentist?
Q. Do I have life insurance through the Plan?
A. The Plan provides life insurance benefits for eligible employees and retirees. Please refer to the SPD or call the Fund Office for additional information.
Q. How do I change my beneficiary?
A. If you wish to change the name of your beneficiary, you must send a completed Beneficiary Card to the Fund Office.