Local 150New Member Journey

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Introductions

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Introductions

• Fund Office Staff• Tom Bernstein, Administrative Manager of the Fund Office

• Pam Kowalski, Director of Communications & Member Education

• Kerry McMahon, Member Services Manager & Member Advocate

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Agenda• What to Expect as a New Member?

• Union Benefits• Fringe Benefits• Available Resources

• New Member Journey• Before you are Eligible for Health & Welfare • When you are Eligible for Health & Welfare• Benefit Seminars & Open Enrollment Events

• Important Next Steps• Questions?

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Who are we? We work at the Fund Office Fund Office staff responsible for your fringe benefits The Fund Office is located on the District 1 campus Responsible for collecting employer contributions and allocating to employee’s

individual account As a self-insured entity, the Fund Office currently processes all medical claims Dental claims are adjudicated by Delta Dental of Illinois (Not applicable to the

Bronze PPO plan) Pension department processes all pension applications We partner with Fidelity to administer the Retirement Enhancement Fund Fund Office issues Vacation Savings Fund checks

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What to Expect as a New Member?

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As a New Member What Should I Expect?• Stay Informed – Learn your craft – Learn your benefits• Understand Your Union Benefits• Understand Your Fringe Benefits• Utilize Available Resources

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How do I stay informed?• PLEASE …. READ YOUR MAIL• Upon becoming a member, READ Engineer monthly newsletter• Attend District Meetings - REQUIRED• Attend General Membership Meetings (July/January) – REQUIRED• Required Classes

• COMET/Labor Law Education/Know Your Union• Other events hosted by the Fund Office

• Benefit Seminars – Fall 2019• Open Enrollment Events – late 2019/early 2020• Pre-Retirement Seminars – Summer 2020

• Fund Office Website www.moefunds.com• Local 150 Website www.local150.org• ASIP Website www.asiplocal150.org• Local 150 Community Website www.My150.com

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http://www.moefunds.com/http://www.local150.org/http://www.asiplocal150.org/http://www.my150.com/

What are my Union Benefits?• Take advantage of:

• ASIP training facility More you work directly affects your benefits• Credit Union

• Understand the hiring hall rules• Great fringe benefits• Paying union dues provides protection and fair wages • Additional benefits through Midwest Coalition of Labor (MCL) Only for

dues paying members• Must Attend to Receive Registration Card

• Know Your Union• Labor Law Education (Classes 1, 2, 3)• COMET Class

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What are my Fringe Benefits?

Your employer is responsible for paying a specified dollar amount per hour for each

fringe benefit included under your collective bargaining agreement (CBA).

Take the time to read your CBA to become familiar with the terms of your fringe

benefits.

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What are my Fringe Benefits? (continued)Your CBA will outline what fringe benefits your employer pays which may include:• Welfare Fund / Retiree Welfare Plan (RWP)*• Retiree Medical Saving Plan (RMSP)• Pension Plan• Retiree Enhancement Fund (REF) – 401(a)• Vacations Savings Fund (taxable earnings)• Operating Engineers Local 150 Apprenticeship Fund• Construction Research Fund (CRF)

* Hourly Members - The RWP subsidy is removed from your contracted Welfare Fund rate.

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Sample CBA Rates as of June 1, 2019For the Illinois Valley Contractors Association Heavy Highway, Underground and Building:

• The rates shown above are in addition to your hourly wages.• Rates are dependent on what contract you fall under and the area you work

in.• Higher rates on certain fringes for journeyman, third- & fourth-year

apprentices. 12

Fringe Benefit Resources

• Specific CBA questions, contact your Business Agent• Visit www.moefunds.com• Fund Office Advocates

• Kerry McMahon – Member Advocate & Member Services Manager• Tracy Biela – Pharmacy Benefit Advocate & Pharmacy Benefit Manager• Trent Lambert – Retiree Services Member Advocate

• Contact the Fund Office at (800) 323-3060 or (708) 482-7300• Open Monday through Friday 8:00 a.m. to 5:00 p.m. and Saturday 8:00 a.m.

to Noon

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Visitwww.moefunds.com

forImportant Fringe Benefit

Information

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New Member Journey

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New Member Journey

• Today’s meeting is to gain a better understanding of who we are and what you need to expect on your new Member journey:

• New Member but not YET Eligible for Health & Welfare Coverage

• Newly Eligible for Health & Welfare

• Health Fairs and First Open Enrollment

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New Member and not YET Eligible for H&W

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New Member But Not Eligible for H&W• Critical that you keep your contact information up to date (address,

email, phone). This will be easier once you are registered on My150.• Dispatch • District Office• Fund Office• ASIP• Credit Union

• Keep track of your hours• For Eligibility purposes• Builds credits in your Credit Bank

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Becoming Indentured• You will become indentured within 30-45 days from the date that you

are dispatched and start working• At the time you are indentured, you will need to pay your annual

initiation dues• Keep your dues receipt with you until you receive your apprenticeship

card

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New Member But Not YET Eligible for H&W• Once you are indentured, schedule your DOT Physical!

• FREE at the Operators’ Health Center• Countryside, IL 6150 Joliet Rd., Countryside, IL (708-485-2273)• Merrillville, IN 8900 Broadway, Merrillville, IN (219-525-1150)

• You MUST bring your initiation dues receipt • You MUST call either location to make the appointment and identify yourself

as being an apprentice at the training site• If you cannot make your appointment, please call to cancel and then re-

schedule Don’t be a no show

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New Member But Not YET Eligible for H&WOnce your first hours are reported and remitted to the Fund Office:Health & Welfare

• You will be assigned a unique medical ID number need for My150 registration• You will receive a welcome letter from Member Services

Pension• Your first hour of work in Covered Employment provides 1 Year of Vesting Service

Retirement Enhancement Fund (REF)• Fidelity Investments handles the administration of the REF• Visit www.Fidelity.com/atwork• Register for your account• Update your beneficiary through Fidelity• 100% vested with first contribution; able to change investment options otherwise

automatically invested in Age Based Funds21

New Member But Not YET Eligible for H&WOnce your first hours are reported and remitted to the Fund Office:

General Information• Now you can register on My150 (www.My150.com)• Get registered!• Update My PROFILE • Add dependents• View My HOURS• Pay My DUES• Update your beneficiaries for each fringe benefit

(H&W, Pension, RMSP, Vacation Savings)

• Annual Open Enrollment – pick health plan option and/or coverage tier

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New Member and ELIGIBLE for H&W

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What is the Marketplace?

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You work

Your employer contributes to the

Fund

1. You Work

2. Your employer contributes to

the Fund

3. You get credits in your Bank

4. You auto enroll into the Bronze

PPO; Fund Office validates and

selects coverage tier

5. You use your credits for

medical coverage Annual Open Enrollment –select health

plan/coverage tier

• Hourly members have coverage under the Welfare Fund through the Marketplace

• You must work 300 hours in a rolling consecutive 12-month period

• Once eligible, you will auto enroll into the Bronze PPO Plan

• During Annual Open Enrollment, you will be able to change your health plan option and/or coverage tier

When Am I Eligible for H&W Coverage?• You must work 300 hours in a rolling consecutive 12-month period

• During Administration Period, Fund Office will validate your dependents and select the appropriate coverage tier. Be sure to submit required documents.

• If you never reach 300 hours, you will not become eligible and you will not be able to use your credits for coverage.

Example 1: Example 2: Example 3:

May Work Hours 100 100 50

June Work Hours 200 100 100

July Work Hours 0 100 100

300 Hours Rec’d by Fund July August N/A

Administration Period August September N/A

Start Using Credits September 1 October 1 Not Yet Eligible

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What will I receive from the Fund Office?• Once you meet eligibility requirements (i.e. 300 hours in 12-month period)

• You will receive new member packet from Member Services You will receive a temporary vendor/medical ID card to use until you

receive your official vendor/BCBS medical ID card Official BCBS medical ID cards will be issued within 30 days; if not received,

call Member Services (708) 579-6600• Member Services will validate your dependents and update your Coverage Tier

(Member, Member +1, Family)• You will receive welcome packets from vendors: ERS, Member Assistance Program OptumRx BCBS Card – medical ID card RedCard – vendors applicable to Bronze PPO Plan with informational inserts

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Who are Eligible Dependents?• Your legal spouse• Children under the age of 26• Physically or mentally disabled children

If you do not submit your required documents for your dependents within 90 days from your eligibility date, you will not be able to add your dependents until the follow Open Enrollment Period 1/13/2020 – 2/29/2020. Start gathering documents now!!

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Why am I Auto-Enrolled into the Bronze PPO Plan?• Lowest credit cost plan

• Easier to remain eligible

No credits No eligibility No medical or Rx Coverage

Re-establish by working 300 hours in 12-month period

• Allows you to build up Credit Bank

• Become an informed consumer & have a better understanding of the Marketplace

• Take advantage of FREE services

• Use your Family Supplemental Benefit for services not covered by the plan

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How Long am I in the Bronze PPO Plan?

• Upon your initial eligibility or if you re-establish eligibility, you will remain in the Bronze PPO Plan for the remainder of the Plan Year

• If you remain eligible at the time of Open Enrollment, you will be able to select from one of the seven health plan options (including the Bronze PPO Plan)

• If you first become eligible or re-establish eligibility on March 1, you will remain in the Bronze PPO Plan for 13 months, but you can select a Plan during the following year’s open enrollment period

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Eligibility & Plan Change Examples• Member becomes eligible on May 1, 2019Will remain in the Bronze PPO Plan through March 31, 2020During open enrollment, January 13 – February 29, 2020, member can select

new health plan option for coverage effective April 1, 2020 through March 31, 2020

• Member becomes eligible on February 1, 2020Will remain in the Bronze PPO Plan through March 31, 2020During open enrollment, January 13 – February 29, 2020, member can select

new health plan option for coverage effective April 1, 2020 through March 31, 2020 o Ensure you have enough credits and project work hours to maintain

higher credit costing plan o If you lose eligibility, you will auto enroll into the Bronze PPO Plan

• Member becomes eligible on March 1, 2020Will remain in the Bronze PPO Plan through March 31, 2021During open enrollment, mid-January 2021 – February 28, 2021, member can

select new health plan option for coverage effective April 1, 2021 through March 31, 2022

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How are Credits Determined?Monthly Credits = (Your Hourly Contribution Rate Less the Retiree Subsidy)

x Number of Hours/Month You Work

Example under Heavy Highway

$16.25 Your Hourly Contribution Rate_ $ 3.25 Retiree Subsidy (20% x $16.25)

13.00 Credits per HourX 145 Number of Hours/Month You Work

1,885 Your Monthly Credits

Effective April 1, 2019, the retiree subsidy is 20% of every contribution dollar.

Simple Example:Hourly Welfare Contribution Rate: $10.00 - 20% Subsidy = _________ Credits per hour

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What is the Monthly Credit Cost of the Bronze PPO Plan?

Plan Member Member + 1 Family

Operators’ Health Center Plan 1,107 1,284 1,461Plan A PPO 1,302 1,510 1,719Platinum PPO 1,241 1,441 1,640EPO (Modified HMO) 1,224 1,420 1,617Gold PPO 1,141 1,322 1,505Silver PPO 1,073 1,244 1,416Bronze PPO 626 1,028 1,170Hours Required to Work if Under the Heavy Highway Contract 50 hrs/mth 82.11 hrs/mth 93.45 hrs/mth

Annual Hours Required 600 hrs/yr 985.32 hrs/yr 1,121.4 hrs/yr

REMINDER: Add your dependents and once the Fund Office validates, you will be placed into the appropriate coverage tierMember, Member +1, or Family

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What are the Details of the Bronze PPO Plan?• Preferred provider organization or PPO network BCBS network• High deductible plan – major medical coverage• 3 coverage tiers• Ancillary benefits are not included No dental benefits No accidental death & dismemberment (ADD) $5,000 MCL Benefit No basic death benefit $10,000 MCL Benefit No weekly disability benefit

PlanAnnual

Deductible

Annual Out-of-Pocket

Maximum

Preventive Care

ServicesPhysician Services*

Hospital Services*

Diagnostic Services*

Bronze PPO $5,000/person$10,000/family$5,000/person$10,000/family 100% 100% 100% 100%

* The PPO Plan’s coinsurance is the amount paid by the fund after the deductibles are met.

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Does the Bronze PPO Plan Have Rx Coverage?

Maintenance Medication

Long Term Medication (90-day fills)

Generic Preferred Brand Name*Non-Preferred

Brand*

Bronze PPO $50 $100 $115

Short - Term Medication

Retail (up to two 30-day fills)

Generic Preferred Brand Name*

Non-Preferred

Brand*Specialty**

Bronze PPO $20 $40 $55 $100

* DAW Penalties Apply

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What Pharmacy Can I Use?

• You must use OptumRx in-network pharmacies – Over 60,000 Nationwide

• Short-Term Medication (up to two 30-day refills); ANY

OptumRx in-network retail pharmacy (e.g. CVS, Target, Walgreens, etc.)

• Long-Term Medication (90-day supply); USE ONLY

CVS or Target retail pharmacy OR

OptumRx home delivery

• Specialty Medication Available through BriovaRx

To locate an in-network pharmacy, visit optumrx.com.35

Bronze PPO Plan – Take Advantage of FREE Services!• ACA preventive services are covered at 100% if utilizing BCBS in-network providers Annual wellness exams for the family Age appropriate immunizations

• Utilize Operators’ Health Center (Countryside and Merrillville), including DOT Physicals

• Visit CVS/Target retail store MinuteClinics – be aware that there are some cash pay services

• ATI Physical Therapy facilities – no referral, will coordinate medical necessity with ValenzCare (Case Manager)

• ERS – up to five free counseling sessions per episode

• Family Supplemental Benefit is $2,000 per Plan Year Receive reimbursement for vision services – USE EyeMed for deeper discounts Receive reimbursement for dental services

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Operators’ Health Center (OHC) Building Better Health• Located in Countryside, IL & Merrillville, IN • Services covered under your Plan and performed at the OHC are free!• Types of Services Offered: Annual/School physicals Acute/Urgent Care Flu shots, immunizations and vaccinations Allergy Management Clinical laboratory Services Disease/Condition management Patient Education On-site Physical Therapy Merrillville, IN ONLY DOT PhysicalsMust call and schedule your appointment

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Please call to cancel appointment and reschedule, instead of being a NO SHOW!

MinuteClinic (located in CVS/Target retail)

• All eligible members/dependents/retirees• Most services are free but there are some cash pay services• Bring medical ID card and vendor card• Visit www.minuteclinic.com to find nearest location and book appointment• For current services including cash services, visit www.moefunds.com• Services can change annually

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http://www.moefunds.com/

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ATI Physical Therapy Partnership

• No cost to eligible members REGARDLESS of health plan option• No MD or DO referral is needed

• Unless primary insurance requires (i.e. Medicare, spouse’s health insurance)• Medical necessity is automatically coordinated with MCM • Over 850 clinic locations in 25 states• ATIpt.com/MOE or call 833-ATI-0001

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ATI Physical Therapy –

Chicago South & Northern Indiana

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Member Assistance Program (MAP)

Employee Resource Systems (ERS)• Same certification process through Case Manager, MCM

• Available to members and immediate family

• Excellent customer service utilizing Masters level clinicians

• Dedicated counseling staff

• Up to 5 counseling services per episode for FREE All information shared with the MAP counselor will be held in the

strictest confidence

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Family Supplemental Benefit (FSB)• Benefit available for the family• Resets each Plan Year (4/1/- 3/31)• $2,000 per Plan Year• Available for eligible members/dependents• Must be medically necessary and reimbursed for benefits not provided under the Bronze

PPO Plan Vision services Dental services Hearing aids

• Complete claim form and submit within 12-months from date of service Submit paid receipt Explanation of benefits, denying the charge Forms are in your folders, additional forms visit www.moefunds.com/forms

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Bronze PPO Plan – Medical ID Card

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Bronze PPO Plan – Vendor Card

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What if my spouse also has medical coverage?

• As long as you have Credits in your Credit Bank and you meet the Eligibility requirements, you must have coverage under the Marketplace

• Your coverage will be processed as primary and your spouse’s coverage will be processed as secondary

• If your child is covered under both plans, the parent whose birthday is earlier in the Calendar Year shall pay as primary Different rules apply if you are divorced or not married

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What if I have VA benefits?• Again, as long as you have Credits in your Credit Bank and you meet

the Eligibility requirements, you must have coverage under the Marketplace

• Your coverage will be processed as primary and then any remaining portions will be considered through your VA benefits

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Benefit Seminars & Open Enrollment Events

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Why do I need to attend Benefit Seminar?

• Stay Informed so you can make the best decision for you and your family

• The Fund Office presents updated information for the new Plan Year Monthly credit cost deductions of health plan options can change each Plan

Year Updated Retiree Subsidy can change each Plan Year Enhancements to the Marketplace health plan options, if any Enhancements to My150 Additional information and reminders regarding other Local 150 fringe benefits

(i.e. Pension, Retirement Enhancement Fund, etc.)

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Why do I need to attend an Open Enrollment Event?• Open Enrollment is an annual process – READ your open enrollment guide

• Takes place mid-January through the end of February prior to each Plan Year Plan Year is April 1 – March 31

Open Enrollment: January 13, 2020 through February 29, 2020

• This allows you to review all the health plan options with a Fund Office navigator

• Your opportunity to select a new health plan option/coverage tier for the upcoming Plan Year (4/1/2020 – 3/31/2021)

If you do not actively select a new health plan option, you will default back into the Bronze PPO Plan

• See the impact on your credit bank and ensure that you can maintain your health & welfare coverage

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Important Next Steps

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Next Steps• Be on the lookout for important information from the Fund Office• READ and SHARE information with your spouse, if applicable• As soon as you receive your Medical ID number, Register on My150

and keep track of your hours• Gather important Documents

• Marriage Certificate/Birth Certificates/SSN Cards• Ask questions and call the Fund Office if you need assistance!

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Questions?

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Presented by

Casey Martin

MCL Credit UnionLocation 6240 Joliet Road, Countryside, IL 60525

Contact Information Phone: 708.482.9606 Main Fax: 708.482.9622 Loan Fax: 708.482.9399 24/7 Info: 708.482.9111

Hours of Operation Monday – Friday 8:30 a.m. – 5:00 p.m. Saturday 8:00 a.m. – 12:00 p.m.

Online Website: www.mclcu.org Facebook and Twitter: @MCLCreditUnion

Credit Union

• A cooperative financial institution owned by the members to serve the members, providing traditional banking services

• Checking, Savings, CDs, loans and other financial products and services

What is a Credit Union?

What is the difference between a Bank and Credit Union? 1. Credit Union’s are Not-For-Profit

o Earnings are cycled back to the members instead of stockholders

o Goal: Optimize and Maximize the Credit Union’s holdings

2. The members have voting privileges o Elect the Board of Directors at the annual

meetingo Influence on the direction of the Credit

Union

3. Credit Union’s have membership requirements

BankCreditUnion

PurposeFor

ProfitFor

PeopleOwnership

&Structure

Stockholders&

Customers

Membersare

Owners

Decisions &Governance

Stockholders&

Paid Board

Unpaid Board Elected by Members

EarningsSent to

StockholdersReturned to Members

ServiceProfit

DrivenServiceDriven

InsuranceFederallyInsured

by the FDIC

FederallyInsured

by the NCUA

Sheet1

BankCreditUnion

PurposeForProfitForPeople

Ownership&StructureStockholders&CustomersMembersareOwners

Decisions &GovernanceStockholders&Paid BoardUnpaid Board Elected by Members

EarningsSent toStockholdersReturned to Members

ServiceProfitDrivenServiceDriven

InsuranceFederallyInsuredby the FDICFederallyInsuredby the NCUA

Membership in the Credit Union

• Members in good standing of IUOELocal 150, and other participating unions affiliated with the Midwest Coalition of Labor

• Immediate family

Who is eligible?

What do I need to do to join?1. Complete the application2. Copy of driver’s license or state ID3. Copy of current union card (must be in good standing)4. At a minimum, an initial deposit of $100 to open a savings account

o Go all in!

About MCL Credit Union

1.Not-For-Profit : with the goal to Optimize and Maximize the Holdings

• Fundamentally better rates and services than a bank (more in a second)• Guidance you can trust with NO SALES AGENDA

2.We understand our members and seasonal employment• Have you tried getting a loan from a bank when you’re unemployed?

3.You are a member and an owner here• What are you at your bank?• We can work with you in tough times• Decisions are made locally with oversight from our elected leaders

4.We have some services that are not offered by any other financial institution

Ok, so why should I join the Credit Union?

Banks are for profit, Credit Unions are for People

About MCL Credit Union

• FREE Checking Accounts• Debit Card with access to over

55,000 Surcharge-Free ATMs• Direct Deposit• E-Statements• Online banking• Free Bill Pay• App with Mobile Source Capture

(take a picture of a check to deposit it)

• Ability to connect with Venmo, PayPal, Cash App, popmoney

• Savings Accounts• Money Markets• Certificates of Deposits

(CDs)

Deposit Products Network

• Largest Surcharge-Free ATM Network in the US with 55,000+ Surcharge-Free ATMs

• Convenient Locations

About MCL Credit Union

• New and Used Auto Loans• Including Motorcycles, RVs and Boats

• Home Equity Lines of Credit• 1st Mortgages• Credit Cards• Unsecured Loans• Share Secured Loans• Credit Building Loans and VISAs

Lending Products Specific to Local 150• Automatic Payment of Dues

From Your Account• Vacation Savings Loans• Direct Deposit of Vacation

Savings• Self Pay Insurance Payment• Surviving Spouse Insurance

Payments

Other Services• Certified Checks• Payroll Deduction• Wire Transfers• 24/7 Audio Response• Night Depository

Goal: Optimize and Maximize

Like us on Facebook, Follow us on Twitter@MCLCreditUnion

Stay Informed on Updates & Promotions

AnyQuestions?

Go All In!

Slide Number 1IntroductionsIntroductionsAgendaWho are we?What to Expect as a New Member?As a New Member What Should I Expect?How do I stay informed?What are my Union Benefits?What are my Fringe Benefits?What are my Fringe Benefits? (continued)Sample CBA Rates as of June 1, 2019Fringe Benefit ResourcesSlide Number 14New Member JourneyNew Member JourneyNew Member and not YET Eligible for H&WNew Member But Not Eligible for H&WBecoming IndenturedNew Member But Not YET Eligible for H&WNew Member But Not YET Eligible for H&WNew Member But Not YET Eligible for H&WNew Member and ELIGIBLE for H&WWhat is the Marketplace?When Am I Eligible for H&W Coverage?What will I receive from the Fund Office?Who are Eligible Dependents?Why am I Auto-Enrolled into the Bronze PPO Plan?How Long am I in the Bronze PPO Plan?Eligibility & Plan Change ExamplesHow are Credits Determined?What is the Monthly Credit Cost of the Bronze PPO Plan?What are the Details of the Bronze PPO Plan?Does the Bronze PPO Plan Have Rx Coverage?What Pharmacy Can I Use?Bronze PPO Plan – Take Advantage of FREE Services!Operators’ Health Center (OHC) Building Better HealthMinuteClinic (located in CVS/Target retail)Slide Number 39ATI Physical Therapy PartnershipATI Physical Therapy – ��Chicago South & Northern IndianaMember Assistance Program (MAP)Family Supplemental Benefit (FSB)Bronze PPO Plan – Medical ID CardBronze PPO Plan – Vendor CardWhat if my spouse also has medical coverage?What if I have VA benefits?Benefit Seminars & Open Enrollment EventsWhy do I need to attend Benefit Seminar?Why do I need to attend an Open Enrollment Event?Important Next StepsNext StepsQuestions?Slide Number 54MCL Credit UnionCredit UnionMembership in the Credit UnionAbout MCL Credit UnionAbout MCL Credit UnionAbout MCL Credit UnionGoal: Optimize and MaximizeStay Informed on Updates & PromotionsSlide Number 63