I am sorry the Q&A article was deleted and can not be recovered. This is a new start. Please send question to me through the contact us link on this site.

Q) Is birth control pills a personal choice drug?

A) Birth control pills are covered.

Q) Can I put in my money to my HRA?

A) No.

Q) Regarding Mental Health, I see there is no separate co-pay. My son sees a Psychiatrist once a month and she prescribes mediation to him for an on going illness. Is this preventative treatment or would this be the case where the ‘up front deductible’ would apply and then coinsurance?

A) No this is not preventative treatment. The doctor is treating the patient. “up front deductibles would apply.

Q) I have always used my husband’s insurance, I do not have medical insurance thru the company. I see under enrollment rules there is “no default, must enroll”. So does this mean I will pay a premium each month regardless if I do not select coverage? What does this mean in my case?

A) No if you have opted out of our medical plan you will not pay premiums. You will still get a Health Reimbursement Account (HRA). You will not get the company funding for the HRA, only the Success Sharing Plan, if paying, will go into your HRA. You will be able to get reimbursed for all medical expenditures that are in IRS publication 502.

Q) What is the new “Marsh Plan” and where can we go to look for more information regarding this new benefit coverage?

A) It is new optional insurance plans that we will be able to get a discount but we will have to pay the premiums. They will cover auto, homeowners, cancer, legal and pet medical. We do not have details yet. The details will be developed if this Tentative Agreement is ratified.

Q) Is mental health care being cut? ie, if we have a dependent in therapy, do we now have to look at that as non essential health care and pay out of pocket?


A) No the only change in mental health coverage is positive. If this Tentative Agreement is ratified there will no longer be separate deductibles or out of pocket maximums. Mental health is combined with medical.

Q) How did the Union agree to a company offer on the HMO’s when we don’t even know what or how much it is?

A) HMO’s are outside of our contract. The Union and the Company do not negotiate the cost or benefit levels of HMO’s. Each year HMO’s decide how much they will charge and what level of benefits they will supply. We do know the cost of the PPO and the NON PPO plans

The HMOS will not decide what they will offer or how much it will cost until they know if this Tentative Agreement is ratified. They then will decide if they will offer anything to us and how much it will cost.