Mid-America Carpenters Regional Council Benefit Funds
Retiree Plan Health Benefits
The information below is effective through December 31, 2023. Effective January 1, 2024, we are improving coverage by moving to a BlueCross and BlueShield of Illinois (BCBSIL) Group Medicare Advantage Prescription Drug Open Access (PPO) plan, also called a Medicare Advantage Prescription Drug (MAPD) plan. Learn more here.
Comprehensive Medicare Supplement Coverage is available for you and covered dependents who are eligible for Medicare. While the Plan is designed to supplement Medicare Parts A and B, it is not intended to pay all amounts that Medicare does not cover.
Your benefits will be paid in coordination with Medicare and, generally, Medicare pays first. If Medicare covers an expense, the Plan will pay secondary to Medicare. It is important to know that the Plan excludes coverage for services and items not covered by Medicare.
What do I pay for medical coverage?
You are responsible for paying for coinsurance, your share of the cost of the medical expenses until you reach the maximum out-of-pocket for covered expenses. After that, the Plan pays 100% of covered expenses after Medicare.
Are there limits on the amounts I pay out of pocket?
Yes. If you or a family member has a serious illness, you may incur a large number of medical expenses. If that happens, you may meet the out-of-pocket maximum, and then the Plan pays 100% of most covered expenses after Medicare.