Health BenefitTabs-Coverage Options

On This Page: Your Options, Regular Medical Plan

Your Options	When you initially become eligible for benefits you may choose among the Plan options available to you. Open Enrollment is held in November of each year for plan changes effective January 1st of the following year. The availability of your options is based on where you live. Regular Medical Plan -- available everywhere General descriptions of these three basic options follow on this page and detailed descriptions of the benefits are shown in the corresponding tabs above. Also available is a printable side-by-side comparison of the three choices. In addition to these options, there is an additional network of providers called The Industry Health Network (TIHN). Using a provider in the TIHN network can provide you with significant savings. You can take advantage of TIHN if you live in Southern California, if you are enrolled in the PPO Plan. Please see the Industry Health Network tab to view the enhanced benefits.

Regular Medical Plan (All participants)	Under this option, you have the choice between receiving services through a Preferred Provider Organization (PPO) or providers you choose on your own. When you use a PPO provider, you not only help the Fund control expenses, but you pay a lesser percentage of a negotiated rate. You receive the advantages of assignment of benefits (provider bills the Fund directly) and that the provider should not charge more than the negotiated rate. Effective 1/1/08, we switched to the Nationwide BlueCard Network. In Southern California, participants who elect the regular plan have the further option of reducing costs by receiving services through The Industry Health Network (TIHN). This coverage option requires no special enrollment.

Disclaimer	NOTE: This is only a brief summary of your benefits. All benefit descriptions contained herein are governed by the limitations and other information contained in your SPD.