Level II Medical Plan

Level II Medical Plan

MAJOR MEDICAL COVERAGE

90/10 Coinsurance Plan

 

Doctors, hospitals, and other medical services will be covered under a new 90/10 Coinsurance Plan. When Participants visit providers who are in-network with Independence Administrators, the Fund pays 90% of the total Independence Administrator's allowance leaving the Participant with a coinsurance of only 10%

Out of Pocket Maximum

Individual - $1,000  Family - $2,000

  • All eligible individuals have a $1,000 out of pocket maximum. The most a family can pay in total is $2,000
  • Participants are responsible for the coinsurance until they have met their out-of-pocket maximum (OOP). Once an individual or family has reached their OOP Max, the Plan will pay 100% for all further In-Network claims for the duration of the Plan Year (April 1 through March 31)

Level II Eligibility Requirements

 

Commercial Carpenters: 600 hours in the 6 month work period or 1,200 hours in the 12 month work period

Shop/Casino Carpenters: 850 hours in the 6 month work period or 1,700 hours in the 12 month work period

Level II health coverage coinsurance and out-of-pocket maximum.

Sample Level II Card

Press play to watch the Coinsurance Whiteboard video.

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Level I Medical Plan

Level I Medical Plan

MAJOR MEDICAL COVERAGE

70/30 Coinsurance Plan

 

Doctors, hospitals, and other medical services will be covered under a new 70/30 Coinsurance Plan. When Participants visit providers who are in-network with Independence Administrators, the Fund pays 70% of the total Independence Administrator's allowance leaving the Participant with a coinsurance of only 30%

Out of Pocket Maximum

Individual - $2,000  Family - $4,000

(All eligible individuals have a $2,000 out of pocket maximum. The most a family can pay in total is $4,000)

Participants are responsible for the coinsurance until they have met their out-of-pocket maximum (OOP). Once an individual or family has reached their OOP Max, the Plan will pay 100% for all further In-Network claims for the duration of the Plan Year (April 1 through March 31)

Level I Eligibility Requirements

 

Commercial Carpenters: 450 hours in the 6 month work period or 900 hours in the 12 month work period

Level I health coverage coinsurance and out-of-pocket maximum.

Sample Level I Card

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HAVE ELIGIBLE OUT-OF-POCKET EXPENSES?

Submit them to your HRA for reimbursement.

MAJOR MEDICAL FAQs