Comparisons of Benefit Plans

The following Comparison of Benefits Plans charts are designed to help you choose a hospital-medical plan that suits your entire family's health care needs.

Before selecting a plan, we urge you to review the comparisons, which are applicable to your situation. Also review any "Rate Sheets" which may have been mailed to you with your comparison chart.

Please be aware that these Comparison of Benefit Plans charts are provided as convenient summaries of the major provisions of each hospital-medical benefit plan. Not all the applicable exclusions and limitations of benefit coverage are included in the charts and they may also vary slightly from plan to plan. The charts cannot adequately reflect all of the details of an applicable plan or address the specifics of an eligible Participant's or Beneficiary's situation.

The contents of these comparison charts are not to be construed or accepted as a substitute for the provisions of the applicable Trust Funds benefit plan's Rules and Regulations (as amended) or each Health Maintenance Organization's (HMO) contract with the Trust Funds.

The information in the charts was current as of the date shown on each chart. This information may be amended, at any time, by official announcements or change notices from the Board of Trustees (mailed to eligible participants).

If you have any questions concerning: (1) the applicability of a benefit plan provision shown in the charts, or (2) your eligibility to participate in the plans, or (3) your benefits in general, please contact the Fund Office. Our staff will be happy to assist you.

Some of the plan documents may be available for online viewing in the PDF file format. Adobe's Acrobat Reader is required.

If you do not have Adobe's Acrobat Reader installed on your computer, click here to go to the Adobe website to download and install the most recent version.

Comparisons of Benefit Plan Forms
Document Effective Date of Plan Benefits Compared/Changed
Health & Welfare Benefit Plan:Comparisons for Active Participants January 1, 2016
Health & Welfare Benefit Plan:Comparisons for Retired Participants January 1, 2016
Health & Welfare Benefit Plan:Comparisons for Active Participants January 1, 2014
Health & Welfare Benefit Plan:Comparisons for Active Participants February 1, 2013
Health & Welfare Benefit Plan:Comparisons for Active Participants September 1, 2012
Health & Welfare Benefit Plan:Comparisons for Retired Participants September 1, 2012
Health & Welfare Benefit Plan:Comparisons for Active Participants April 1, 2012
Health & Welfare Benefit Plan:Comparisons for Retired Participants April 1, 2012
Health & Welfare Benefit Plan:Comparisons for Active Participants September 1, 2011
Health & Welfare Benefit Plan:Comparisons for Retired Participants January 1, 2011
Health & Welfare Benefit Plan:Comparisons for Active Participants January 1, 2011
Health & Welfare Benefit Plan:Comparisons for Active Participants January 1, 2010
Health & Welfare Benefit Plan:Comparisons for Retired Participants September 1, 2010
Health & Welfare Benefit Plan:Comparisons for Active Participants September 1, 2009
Health & Welfare Benefit Plan:Comparisons for Retired Participants September 1, 2009