Member Benefits

Active Members

As an eligible participant in the 4th District IBEW Health Fund, you and your family are covered by a comprehensive benefits package designed to give you peace of mind when it comes to your health care.

Benefits Overview

Medical

  • Two medical plans—the Comprehensive Major Medical plan and the Flexible Choice plan.
  • Both plans provide discounts for services received from PPO providers.
  • The calendar year deductible, coinsurance, and other coverage amounts differ by plan. See each plan’s Summary of Benefits for details.

Prescription Drugs

  • Administered by Sav-Rx.
  • Benefits are only payable for prescriptions filled at pharmacies that participate in the Sav-Rx network.
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  • The mail order program can save you money because you may receive a longer supply of your medication for less than you would through the retail program.
  • Be sure to check if your pharmacy is part of the Sav-Rx network (Note: Not all chain pharmacy locations participate, including Walmart, Sam’s Club, and certain Rite-Aid locations).

Dental

  • You choose the dentist you want to use.
  • The Plan pays 100% for most preventive care.
  • Once you meet the deductible, the Plan pay a percentage of most non-preventive services, up to a $750 maximum per person per year.

Vision

  • Administered by National Vision Administrators (NVA).
  • You can visit any vision care provider.
  • Benefits are greater when you use a NVA provider.

Health Reimbursement Arrangement (HRA)

  • The HRA is an account that helps you pay for eligible health care expenses not covered by the Plan.
  • A convenient HRA debit card makes the reimbursement process almost paperless.

Weekly Disability Benefit

  • In the event you cannot work due to an extended illness or injury, this benefits provides income protection.

Life & Accidental Death and Dismemberment (AD&D) Insurance

  • This coverage provides a benefit to you or your family in the event of a severe accident or your death.

Member Assistance Program (MAP)

  • MAP counselors are available 24 hours a day, seven days a week.
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  • Meet with a MAP counselor for up to five sessions, free of charge.
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  • Professional and confidential counseling services to help you handle personal and/or work concerns.