After you or your eligible dependents incur such medical expenses, you should submit a claim form to request reimbursement of these expenses from the earned credits in your account.  You will have to certify on the claim form that these medical expenses are not eligible for reimbursement to you or your eligible dependents under any other insurance plan of the Fund, under any other insurance arrangement that covers you or your eligible dependents, or from any other source.  You will also have to submit itemized bills to show that the medical expenses were actually incurred by you or your eligible  dependents.

All earned credits are recorded to an account with respect to a calendar year, up to a maximum amount of $10,000 in any calendar year.  Earned credits in any calendar year can be used to reimburse you for medical expenses incurred only in that same calendar year. You must submit claim forms for earned credits and  reimbursements under the Program for a calendar  year by June 30 following the end of that year.  Any earned credits with respect to a calendar year for which you do not submit a claim form for reimbursement will be forfeited and cannot be carried forward to any subsequent calendar year.  Under NO circumstances will any earned credits be redeemable for cash, except as reimbursement for medical expenses in accordance with the rules and regulations of this Program as described in this booklet.  Earned credits may not be transferred or sold to any other participant of the Fund.  All other rules, regulations and eligibility requirements of the Prescription Drug Benefits under the Fund shall also apply to this Program.

Claim Forms and Deadlines

Claims forms for earned credits and reimbursement of out-of-pocket costs for using “other prescription drug coverage” must be submitted no later than June 30 following the calendar year in which you or your eligible dependents use the “other prescription drug coverage.” Also, claims for reimbursement from your account for medical expenses which were incurred in a calendar year must be filed no later than June 30 following that year.

Medical Expenses Reimbursable Under the Program

You can be reimbursed from your earned credits in your account for medical care expenses which are not covered under your medical, dental or vision plans or under your other available coverage (for example, deductibles, co-payments or coinsurance or other non-covered health care expenses) and which are deductible in accordance with the Internal Revenue Code and related IRS pronouncements (IRS Publication 502).  If the IRS does not allow an expense as an eligible medical expense, you will not be reimbursed under the Program for that expense.   You should call the Fund office for more details.