UFCW LOCAL 1776 and PARTICIPATING EMPLOYERS
   HEALTH and WELFARE FUND
  Table of Contents              
Introduction   Medical Coverage (Option B only)  
Who Provides My Benefits ?          Personal Choice Preferred Provider
       Network Program 		 
How to use This Booklet         Convenience and Security
       Across the Country 		 
Benefits At Glance - Option A          How to BlueCard PPO Works  
Benefits At Glance - Option B          Plan Provisions  
Who is Eligible         Pre-certification  
Changes in Coverage                 How to Submit Claims  
       If You Terminate Employment          What the Plan Covers  
          If You Become  Disabled        General Exclusions  
       Continuing Coverage Under COBRA   Mental, Nervous, Drug & Alcohol
Benefits - Inpatient/Outpatient Coverage (Option B only) 		 
Other Federal Law Requirements   Claim Filing Deadlines  
Dental Coverage (Option A and B)   Appealing a Denied Claim  
Vision Care Plan (Option A and B)   Coordination Of Benefits ("COB")  
Mental, Nervous,  Drug & Alcohol Benefits - Referral Only (Option A only)   Coordinating With Medicare  
Physical Exam (Option A only)   Important Information  
Child Care Assistance (Option A only)   ERISA Statement  
Education Benefit Program (Option A only)   Administrative Information  
Physical  Well-Being Program (Option A)