UFCW LOCAL 1776 and PARTICIPATING EMPLOYERS
   HEALTH and WELFARE FUND

  Table of Contents

 

                                                  SUMMARY  PLAN  DESCRIPTION
Introduction Mental, Nervous,
Drug&Alcohol Benefits
Who Provides My Benefits Dental Coverage
How to Use This Booklet Prescription Drug Benefits
Benefits At A Glance Prescription Incentive Program
Who is Eligible      Overview of the Program
Changes in Coverage      Medical Expenses Reimbursable
     Under the Program
     If  You Terminate Employment Vision Care Plan
     If  You Become Disabled Disability Benefits      
     Continuing Coverage Under COBRA     How to File a Claim
Other   Federal Law Requirements         Coordinating With Third Parties
     (Subrogation or Reimbursement)
Medical Coverage Life Insurance Benefits
     Personal Choice
     Proffered Provider Network 		Accidental Death and Dismemberment 
     Convenience and Security
     Across the Country 		Claim Filing Deadlines 
     How the BlueCard PPO
     Program Works 		Appealing a Denied Claim
     Plan Provisions Coordination of Benefits ("COB")
     Pre-certification      Coordinating With Medicare
     How to Submit Claims Important Information
     What the Plan Covers      ERISA Statement 
     General Exclusions Administrative Information
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