Retirees Benefits

TWU Local 100 Enhanced
Medicare Advantage Plans

Securing Your Benefits for Life

Key Features
• No Diminishment of Benefits: Your healthcare benefits are contractually guaranteed and will never be reduced.
• Bridge Benefits: Continuous coverage for pre-Medicare retirees until Medicare eligibility at age 65.

Plan Options
Option 1: Zero Co-Pay Plan Option 2: Modest Co-Pay Plan
✓ No co-pays for primary care, specialists, hospitalizations, preventative care, and generic prescriptions. ✓ Modest co-pays for medical services while maintaining comprehensive coverage.
✓ $0 co-pay for emergency room visits (reduced from $100). ✓ Full reimbursement of Medicare Part B premiums: $1,978.80 per person annually (nearly $4,000 for a couple).
✓ Medicare Part B Reimbursement: $500 per retiree and $500 for Medicare-eligible spouses ($1,000 total).  

How Do Our Two Options Compare?
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See the chart below for a detailed breakdown of the TWU Enhanced Retiree Medical Coverage plans available to you. 

Both options are less expensive across the board.

 

A comparison is below:

  TWU Option 1 TWU Option 2
Annual Deductible Zero Zero
Annual Maximum Out-of-Pocket Zero $1,000
Doctors: Primary/ Specialist Zero Zero / $5
Tests/Imaging Zero Zero
Urgent Care Zero $50
Emergency Room Zero $50
Hospitalization Zero Zero
Part D Prescription Premium Zero Zero
Medicare Part B Reimbursement $500+ per person ($1,000+ for a couple) Full reimbursement ($1,978.80+ per person, $3,957.60+ for a couple)
Drug copays / coinsurance (30 day) • Zero for all generics
• $2.50 for Tier 2 drugs
• Tier 3 drugs 25% coinsurance
• Drug costs capped at $95 per drug per month		 • Generics $5
• Tier 2 drugs $10
• Tier 3 drugs $45

Bridge Benefits

Members retiring before age 65 will continue to have comprehensive healthcare coverage through Bridge Benefits, ensuring uninterrupted care until Medicare eligibility.

Enrollment Information

• Open Enrollment Period: Medicare-eligible retirees can select between the Zero Co-Pay Plan and the Modest Co-Pay Plan.
• Automatic Enrollment: Members who do not make a selection will be enrolled in Option 1 to ensure uninterrupted coverage.

Frequently Asked Questions

Will I be able to use the same doctors?
Yes, 99.997% of current doctors and hospitals are available under these plans.

If I change my mind, can I switch plans?
Yes, you can switch plans during the next Open Enrollment period.

What about prescriptions?
Generic drugs under Option 1 are $0 co-pay, while other co-pays are set as part of the contract.

View Full FAQ

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View Contract Language on Protections (See page 4)