|Frequently Asked Questions (FAQs)|
|Clicking on the following questions will provide you with a specific answer or link you directly with the section of this site that addresses that question. If, after reviewing this information, you still have questions please contact us at A&I.|
|What doctors are covered by the medical plans?|
|The doctors covered depend on the plan you select. Click on Kaiser or Providence Open Option to access information regarding their providers.|
|What dentists are covered by the dental plans?|
|The Trust Active Employee Dental Plan covers the
The Plan does not contract with a network of dental providers; so eligible participants may seek services from the dentist of their choice.
|Are my dependents covered under my plan?|
|Active employees covered under the Harrison Trust
have family coverage at no additional cost. A covered dependent is outlined
|How do I get my waiting period for dental and vision waived?|
|Preexisting Condition Limitation for New Employees or Dependents. A new
employee is one who has not been eligible for coverage through the Harrison
Trust in any of the previous 12 consecutive months.
The Plan will pay only a limited amount of up to $4,000 toward covered charges, services or supplies for a new employee or a new employee's dependents for a preexisting condition during the fist six months you or your dependents are covered by the Plan.
A preexisting condition is a condition that was diagnosed or treated or which medication was prescribed or taken in the three months before coverage began.
The six-month waiting period for full coverage of a preexisting condition can be reduced or eliminated if you had previous health and welfare coverage before becoming covered by this Plan. To eliminate or reduce the six-month waiting period, provide the Plan Administrator with a written certificate of prior health and welfare coverage. This certificate can be obtained from your previous employer or health insurance company. The six-month waiting period for preexisting conditions will be reduced by one month for each month of prior health and welfare coverage you had under the prior plan so long as there is not a gap of more than 63 days between when your coverage under the prior health and welfare plan ended and when the coverage under this Plan began.
In addition, the six-month waiting period for full coverage, including dental and vision benefits can be reduced or eliminated if you had previous dental and vision coverage before becoming covered by this Plan. To eliminate or reduce the six-month waiting period, provide the Plan Administrator with a written certificate or other evidence of prior medical coverage, including dental and vision benefits. The certificate can be obtained from your previous employer or health insurance company. The six-month waiting period will be reduced by one month for each month of prior dental and vision coverage you had under the prior plan so long as there is not a gap of more than 63 days between when your coverage under the prior plan(s) ended and when the coverage under this Plan began.
|How much can I accumulate in my reserve account?|
|The reserve account accumulation applies to Category 1 bargaining unit
At the present time you may accumulate 12 months of employer-paid coverage in the reserve account. Therefore, if your current premium is $665 per month, you may accumulate a maximum of 12 X $665 or $7,980 in your reserve account.
|What happens if I go to work in another IBEW Local?|
|Electrical Industry Health & Welfare Reciprocal Agreement
If you travel to another IBEW Local Union’s jurisdiction you should follow this procedure:
The visited local union will notify their Plan Administrator and the Harrison Trust when you are dispatched to work. The Harrison Trust Office will check to see if you are eligible for funds transfer. To be eligible for transfer to the Harrison Trust, you must be a member of IBEW Local 48, 280, 659, 932 or 970 and have been covered under the Harrison Trust in the past six years.
Members of IBEW local unions not participating in the Harrison Trust may not choose the Harrison Trust as their home fund for reciprocity unless they have not been eligible for benefits in the welfare fund of their home local union in the past six years, have current eligibility under the Harrison Trust, and intend to return to work in the jurisdiction of the Harrison Trust as soon as work is available.
If you are eligible for reciprocity to the Harrison Trust, the Plan Administrator of the Welfare Fund covering the jurisdiction in which you are working will forward to the Harrison Trust the contributions you earned in that plan, based on the rules of the National Reciprocity Agreement. Upon receipt of those contributions, the Harrison Trust will credit the contribution to the month in which the hours were worked and eligibility will be determined per the eligibility formula as outlined for Category 1 employees.
You should contact us periodically to verify that the hours are being
|Have my doctor bills been paid?|
|If you are enrolled in the Trust Medical plan,
your doctor bills are paid by the Trust. A&I Benefit Plan Administrators
is the claims processor and strives to process and pay all claims within
15 days of receipt.
Because of the confidential nature of this information we can only provide you with the status of your claim if you call us at the number shown in our Contacts page on this site.
|How do I file a claim?|
|When you receive care, your doctor's office usually takes care of filing
your claim. However, to ensure your claim is sent to the proper address
you must show your doctor's receptionist or billing department your ID
It is important that you ask that they update their computer records with the claim address information shown on the back of the card.
If your provider bills you directly, you'll need to submit that bill
for processing. For your convenience in sending in your provider bills
you can print a claim form from this web site if you are enrolled in
the Trust Plan. The proper mailing address is shown on the claim form.
|How do I get a replacement ID card?|
|Contact us at A&I. We will be happy to assist you with replacement or additional ID cards.|
|All information provided on this web site is in summary and intended to provide highlights of your plans. We strongly recommend referring to the Plan booklet for complete details before making any decisions related to your eligibility, benefits and coverage.|