Teamsters Local 705

Local 705
Chicago, IL … then and now !
Established 1950 as a regional trust program to benefit union members and their families
One of the first labor health funds established under the Taft‐Hartley Act of 1947
Governed by a Board of Trustees consisting of 4 employee representatives and 4 employer representatives
Initially covered over‐the‐road truck drivers in the Central region of the United States
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National health plan providing quality health benefits to Teamsters and their families for over 63 years
 Nearly 500,000 current family members –
including 115,000 UPS employees trust TeamCare for their healthcare needs
One of the nation's largest and most financially sound union health care plans, with 1,500 participating employers, including UPS
 TeamCare has paid out $26.5 billion in health care benefits to Teamsters and their families since 1950
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… then and now !
 UPS has been a participating employer
since 1969
 115,000 current UPS Freight and UPS Package employees throughout the country are TeamCare participants  Unions, Employers, and Participants rate their
TeamCare benefits high
 98% of all employers renew with TeamCare
 Since 2013, 125 new employers have negotiated to join TeamCare for their health benefits
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High quality health care is TeamCare’s #1 priority  $95 cents of every premium dollar supports TeamCare member benefits  TeamCare’s buying power increased tremendously when the Master was passed
TeamCare spends only 5 cents of every premium dollar on planadministration
“The Reason Health Care Is So Expensive: Insurance Companies,”Bloomberg Business Week, April 10, 2013
Most US health plans spend 30 cents on administration*
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National access to the highest quality health care
Dental
Illinois
Indiana
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Monthly Payroll Deduction for Insurance
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…means lower costs for UPS Teamsters
Deductibles 2014 New Revised Deductibles
Single/Family
$0/$0
Original Deductibles proposed by UPS in National contract
Single/Family
$50/$100
2015
$0/$0
$100/$200
2016
$0/$0
$150/$300
2017
$0/$0
$200/$400
2018
$100/$200
$200/$400
NO deductible in 2015, 2016, or 2017!
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… high quality care and $0 or minimal co‐payments
Medical Benefits
UPS COMPANY PLAN
Medical Office Visits
$10 co‐payment
$10 co‐payment
Routine Physical
$10 co‐payment
$10 co‐payment
Well child care
$10 co‐payment
$10 co‐payment
Routine OB/GYN office visit
$10 co‐payment
$10 co‐payment
100% benefit
100% benefit
100% benefit for an accident or if admitted;
otherwise plan pays 80%, then 100% after OOP
100% benefit with a $25 co‐payment
Routine Mammogram/Pap
Emergency Room
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Emergency Room
UPS COMPANY PLAN
Emergency Room ‐ Accident
100%
100%
Emergency Room ‐ Admitted
100%
100%
80%, 100% after OOP
100% benefit with a $25 co‐payment
$10 co‐payment
$10 co‐payment
Emergency Room ‐ Illness
Urgent Care Urgent Care Center 10
… high quality care and $0 or minimal co‐payments
Medical Benefits
UPS COMPANY PLAN
Hospital admission fee
There is no Hospital Admission Fee.
Inpatient Hospital Benefit
100%
100%
Outpatient Surgery
100%
100%
80%, $1,000 maximum
$10 co‐pay, $40 max per
visit, $1,000 maximum
100% benefit thru Quest Diagnostics or US Imaging; or 80% at non‐Quest or US Imaging providers, and 100% after out of pocket is met. 100% benefit
Chiropractic Benefit (year)
Outpatient Diagnostic
Imaging and Lab
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List as of 11/14/2014
Medical Imaging Center, LTD Hoffman Estates, IL 60169
MRI of Arlington Heights Rolling Meadows, IL 60008
Bright Light Radiology Elk Grove Village, IL 60007 Midwest Advanced Radiology Des Plaines, IL 60016
Stand Up MRI of Deerfield Deerfield, IL 60015 Premier Open MRI of McHenry Algonquin, IL 60102
Libertyville Imaging Associates Libertyville, IL 60048
Bloomingdale Open MRI LLC Bloomingdale, IL 60108
Midwest Open MRI Elmhurst Elmhurst, IL 60126 Midwest Imaging Melrose Park, IL 60160 Advanced Medical Imaging Chicago, IL 60602
MRI River North Chicago, IL 60654
Streeterville Open MRI LLC Chicago, IL 60611
Advantage MRI Logan Square Chicago, IL 60639
Advantage MRI Mayfair Chicago, IL 60641
Hawthorne Works Imaging Cicero, IL 60804
Advantage MRI Oak Park Oak Park, IL 60302
Skan Nat Radiology Services Bedford Park, IL 60638
Midwest Open MRI Riverside Riverside, IL 60546
Quest Chicago, IL Quest ‐ Crystal Lake PSC Quest ‐ Schaumburg PSC Quest ‐ Oak Park PSC Quest ‐ Buffalo Grove PSC Quest ‐ Gurnee PSC Quest ‐ Hoffman Estates PSC Quest ‐ McHenry PSC Quest ‐ Lake Zurich PSC Quest ‐ Hinsdale PSC Quest ‐ Park Ridge PSC Quest ‐ Western Ave PSC Quest ‐ The Glen PSC Quest ‐ Lindenhurst PSC Quest ‐ Vernon Hills East PSC Quest ‐ St. Charles Main St PSC Quest ‐ Barrington Pepper PSC Quest ‐ Halsted PSC Quest ‐ Glendale Hts PSC Quest ‐ Evanston St. Francis PSC Quest ‐ Bloomingdale PSC Quest ‐ Crystal Lake PSC Quest ‐ Lombard North PSC Quest ‐ Oak Park PSC Quest ‐ Skokie PSC Quest ‐ Gurnee PSC Quest ‐ Lake Bluff PSC Quest ‐ McHenry PSC Quest ‐ Wheaton PSC Quest ‐ Hinsdale PSC Quest ‐ Peterson PSC Quest ‐ Western Ave PSC Quest ‐ Parkway Plaza PSC Quest ‐ Lindenhurst PSC Quest ‐ Elgin/Fletcher PSC Quest ‐ St. Charles PSC Quest ‐ Lombard PSC Quest ‐ Halsted PSC Quest ‐ Evanston St. Francis PSC 12
…access to premier national pharmacy network
Caremark’s network is nearly identical to UPS
Company plan’s Medco network
Caremark provides national network of over 64,000 pharmacies as well as mail order for 90‐day supplies of maintenance drugs
Walmart is excluded
from the network.
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…lower costs for UPS Teamsters
Prescription Benefits
Rx Network
Retail
Mail Order
Caremark
$5 co‐payment
$0 co‐payment. NO cost to the member.
Mandatory Generic
If a generic equivalent is available, you must take generic
equivalent or be responsible for the cost difference.
Mandatory Mail Order
Choice of using either a local CVS Pharmacy or Caremark
Mail‐Order. (If filled retail through a non‐CVS pharmacy
coverage reduced to 50% of drug cost on the 3rd fill).
(Maintenance Prescriptions Only)
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…lower costs for UPS Teamsters
Annual Out‐Of‐Pocket Caps
Current
Individual
Family
$1,000
$1,000
$2,000 capped
$1,000 per person no cap
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Ancillary Benefits … All with TeamCare
● Dental
● Vision
● Short‐term Disability
● Basic Life Insurance
● Retiree Coverage
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continued access to same high quality, low to no‐cost dental and vision Dental
Vision
Co‐payment
Co‐payment
Preventive & Basic Services
$0
100% Covered
Exam
$10
Major Services
20%
80% Covered
Standard Lenses
$0
100% Covered
Child Orthodontia
50%
No lifetime maximum
Frames
$0
100% Covered to allowance
Annual Dental Maximum
None
Contact Lenses
$0
100% Covered to allowance
You can see ANYdentist.
Maximum Benefits
Every 12 months
Do not need to use Aetna or Humana.
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…access to premier national Vision network
EyeMed provides national network of over 65,000 vision providers.
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…NO change in disability and life insurance coverage
Short‐term Disability 60% of average weekly pay up to $500 per week for 26 weeks
Life Insurance
Basic Life Insurance
FT: 2080 x hourly rate, to a maximum of $100,000
PT: 1040 x hourly rate, to a maximum of $100,000
(Accidental Death is double the Life Insurance amount)
Spouse Life Insurance $5,000
Ancillary Benefits offered by
UPS such as Long-Term
Disability, Supplemental Life
Insurance, AD&D, will continued
to be offered by UPS.
Child Life Insurance $2,500
There is a minimum of $40,000 Life
Insurance benefit for both FT and PT
UPS members.
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…means high quality, low cost Retiree Health Care
Health Plan for UPS Early Retirees  Earliest agetogetRetireeHealthPlanisage52
 Retiree coverage is provided to age 65 or
Medicare (whichever occurs first) for both the
memberand spouse
 Coverage is provided for qualified retirees’
dependent children to age 19, or to age 25 if a
qualifiedstudent
 Retiree coverage includes Medical, Rx, Dental,
andVisionforfull‐timeUPS
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…high quality, low cost Retiree Health Care
Early Retiree Health Benefits Premium Share Qualified early full‐time UPS Retirees who retire after effective date, contribute a small share toward their TeamCare Retiree coverage.
Retiree TeamCare
Single / Family
2015
2016
2017
2018
$100 / $200
$150 / $300
$200 / $400
$200 / $400
Current UPS Retiree
Single / Family
$100 / $200
$150 / $300
$150 / $300
$150 / $300
UPS Retiree Health Plan available at www.MyTeamCare.org
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… Retiree Medical Benefits Retiree Medical Benefits UPS COMPANY PLAN
$200,000 per person
ANNUALLY
$500,000 per person
LIFETIME
$100 / $200
$200 / $400
Annual Out of Pocket
$1000 / $2000
$1000 / $2000
Medical Office Visits
$20 co‐payment
$10 co‐payment
Coinsurance
80%, until OOP is met
80% until OOP is met
Prescriptions
75% Retail.
80% Mail‐Order
80% Retail
80% Mail‐Order
Yes
Yes
Annual vs Lifetime Maximum
Deductible
Dental and Vision (FT)
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…exceptional 5‐year Family Protection Benefit
● By using in‐network providers, in event of a member’s death, his/her family is eligible for 5 years of continued TeamCare coverage at no cost
Major improvement from the current UPS benefit plan of 6 months of paid family coverage followed by 30 months of COBRA payments
● With family coverage for comparable benefits costing between $20,000 to $25,000 a year in the open market, the estimated value to families
over 5 years is more than $100,000 in savings
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Don Mitchell and the 5‐Year Family Protection Plan
• UPS employee and Kansas City Teamster with health benefits through TeamCare. Started out part‐time and became full‐time in early 2006. Married with two young children.
• September 2012: Don diagnosed with Leukemia • Medical bills totaled more than $2 million dollars,
including charges for a Stem Cell Transplant
• Don passed away in January 2013
• With the TeamCare Family Protection, Don’s wife and
children have 5 years of free coverage at the same
level of benefits they had while he was working.
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…lower costs for UPS Teamsters
Cost of health care premiums for Don Mitchell’s family following his death
Current Plan
Year 1 $0
6 months at $0. Then COBRA at $1,674/month*
Year 2
$0
COBRA at $1,758/month**
Year 3
$0
COBRA at $1,846/month**
Years 4‐5
$0
COBRA eligibility expires. Must purchase on open Five Year Total $0
*Current UPS Plan COBRA rate for family Core + Non‐Core benefits
market. Market price currently about $2,000/mo)
Five Year Total >$100,000
**Factors in a 5% annual increase
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Weekly Eligibility vs Monthly Eligibility
“one punch”
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Weekly Eligibility vs Monthly Eligibility
“one punch”
UPS MAKES A WEEKLY CONTRIBUTION FOR:
UPS DOES NOT MAKE A WEEKLY CONTRIBUTION FOR:
● Any compensation in week
● Lay‐off for entire week
● Vacation or paid time off
● Workers Comp over 52 weeks
● Sick‐leave (STD and LTD)
● Termination
● Workers Comp (1 year)
● Paid Holiday
● Personal Days
● FMLA
A COBRA Notice to continue
coverage will be sent to you
whenever you have no coverage
for a week.
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…future mailings from TeamCare IF ratified
Enrollment Mailing: You will not need to re‐enroll. You’ll receive a summary of the enrollment information we received from UPS will just need to correct as needed. All family members currently covered – remain covered under TeamCare.
PPO ID Card Mailing: ID cards for medical benefits will be sent directly from your PPO provider
TeamCare ID Card Mailing will send a separate ID card for your ancillary benefits such as prescription, dental, vision, lab and imaging. Affordable Care Act and Summary Plan Description Mailing: Includes the Summary of Benefits and Coverage as required under the Affordable Care Act and TeamCare’s Summary Plan Description and other required legal notices.
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…www.MyTeamCare.org
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www.MyTeamCare.org (click on the UPS link)
800‐323‐5000
Member line to a benefit specialist
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