UFCW LOCAL 1776 and PARTICIPATING EMPLOYERS
   HEALTH and WELFARE FUND
  Table of Contents  
Introduction Medical Flexible Spending Account
Who Provides My Benefits ?        How it works
How to use This Booklet          Tax Advantages
Benefits at a Glance           Reimbursement
Who is Eligible           "Use It or Lose It"
Changes in Coverage Mental, Nervous, Drug & Alcohol Benefits
        Retiree Benefits   Dental Coverage  
          If You Terminate Employment Prescription Drug Benefits
          If You Become Disabled Prescription Incentive Program
          Termination of Dependents' Coverage           Overview of the Program
          Continuing Coverage Under  COBRA          Medical Expenses Reimbursable
           Under the Program
Other Federal Law Requirements Vision Care Plan         
Medical  Coverage Disability Benefits
        Personal Choice Preferred Provider Network How to file a Claim
       Convenience and Security Across the Country         Coordinating With Third Parties
           (Subrogation or Reimbursement)
          How the BlueCard PPO Program Works Life Insurance Benefits        
       Plan  Provisions Accidental Death and Dismemberment
         Pre-certification Child Care Assistance
       How to Submit Claims Educational Benefit Program
         What the Plan Covers Physical Well-Being Program
        General Exclusions Claim Filing Deadlines
Keystone Point Of Service (KPOS) Program Appealing a Denied Claim
       How the KPOS Program Works Coordination of Benefits ("COB")
         Some Important Terms Coordinating With Medicare
        You Need Medical Care Important Information
         Pre-certification ERISA Statement
Dual Income Option Administrative Information