About the Dual Income Option



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UFCW Local 1776 and Participating Employers Health and Welfare Fund

3031 B Walton Road, Plymouth Meeting, PA 19462

  Phone (610) 941-9400    Fax (610) 941-5325

 Choice Plan 2007

About the Dual Income Option
Earn $150 Per Month
In addition to earning $150 per month, the Dual Income Option coordinates with your spouse's (or your other employer's) medical plan by providing wrap around coverage. For example - Your spouse has Aetna US Healthcare for which that Plan pays 80% of all hospital charges after a $100 deductible and a required office co-pay of $10. That Plan also has an out-of-pocket maximum of $2,500 per person per year. When you use that other coverage and incur a hospital charge of $500, this charge will be paid as follows:
Spouse's Plan
 Supplemental Medical Wrap Around
Coverage Payment
Hospital Charge          $500  
Your Deductible          $100   Submit out-of-pocket to wrap around   coverage      $100
Aetna's Payment        $320 
Balance Due
(coinsurance*)                $80    		Submit out-of-pocket to wrap around coverage      $80
                      $180
Your out-of-pocket remaining                      $0

* These out-of-pocket charges should be submitted to the Fund office on a Choice Plan claim form and the Fund office would reimburse you $180 - leaving your our-of-pocket expense at $0.

The same applies for doctors visit co-pays. You use your other coverage to go to the doctor. You incur a $10 charge for the visit. Submit that $10 receipt to the Fund Office on a Choice Plan claim form and receive reimbursement of $10.

You are eligible for up to $5,200 per year per person in supplemental medical (wrap around) coverage.  Because most other insurance plans have a maximum out-of-pocket limit, this supplemental medical (wrap around) coverage limits your exposure to out-of-pocket medical expenses.

Your other benefits provided by the Fund such as dental, prescription, mental health, childcare, vision, disability, etc. will remain unchanged.

Use your $150 per month in one option or divide it among several of the following options:

  Deposit into the Fund's 401(k) Plan
   Deposit into the Paid Time-Off Bank (receive pay for any time you could  have worked but did not)
   Increase your current life insurance amount
   Deposit into the Health Care Spending Account (up to a $500 maximum)
   Deposit into the Extended Eligibility Bank (minimum $200)

 Please refer to the pages entitled "Using your Choice Plan Credits" for detailed information on each one of these options.