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Health Fund
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Handbook Summary

Your health and life benefits are an important part of the advantages of working in covered employment.  To make the most of these benefits, you need to understand how they work and how to use them.

That's where this handbook can help. It contains information you need to know about your Health Care and Life Insurance Benefits.

SECTION 1

Summary of Benefits

This section provides you with a guide to the medical, mental health and chemical dependency, vision, prescription drug and dental benefits available to eligible participants in the Writers' Guild-Industry Health Fund and the plan contact information.  Starting on page 6.

SECTION 2

Eligibility And Enrollment

This section explains how you become eligible for health and life benefits, which family members you can cover, what happens when you lose eligibility and what benefits are available to you if you become ineligible. Starting on page 17.

SECTION 3

Medical, Chemical Dependency, Vision, and Prescription Drug Benefits

This section explains the benefits available for the PPO and the Low Option Plans. The section is filled with tips to help you get the most from the plan and displays a comprehensive listing of what's covered and what's not covered under the Health Plan.  Starting on page 40.

SECTION 4

Dental Benefits

This section explains the dental benefits available under the PPO and HMO plans (the Dental HMO is available in California only), which expenses are covered and which are not. Starting on page 78.

SECTION 5

What Else You Should Know About Your Health Care Plans

This section explains legal provisions describing certain rights you have to benefits under federal law. Starting on page 94.

SECTION 6

Protection Benefits

This section explains life and accidental death and dismemberment benefits. Starting on page 98.

SECTION 7

Administrative Information

This section explains claims and appeals regulations, your legal rights under the plans and how the Fund maintains your privacy. Starting on page 101.

SECTION 8

Other Resources

This section contains answers to Frequently Asked Questions (FAQ). Starting on page 122.

SECTION 9

Glossary

This section contains the glossary of plan language terms. Starting on page 124.

Index

 Starting on page 132.