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MEDICAL INSURANCE CHANGES
THE NEW MEDICAL COVERAGE Effective January 1, 2012 those covered by the UTU agreement will have changes to their medical coverage. Some highlights: 1. The member contribution will be reduced to $200. per month and will remain at $200. per month through June 30, 2016. After that it can be raised by $30. per month. 2. There is will be a $200. annual deductible for a member and a $400. annual deductible for a member's family. This applies only to non-copay events, such as MRI's, X-rays and other non-copay events. Note that if the member meets his deductible early in the year and thereafter the family receives treatment the family deductible will be reduced to $200. 3. There is an annual co-insurance payment which is 5% of a non-copay event not to exceed $1000. for a member and $2000. for a family. If a member receives treatment and pays his/her $1,000. and then the family has treatment and incurs a co-insurance payment, the family's co-insurance payment is reduced to $1,000. 4.There is now a $75. co-pay for an emergency room visit, unless the visit results in an admission. There is a $20. co-pay for urgent care centers and a $10. co-pay for convenient care centers. 5. Drugs: $5. co-pay for in network generic drugs; $25. for in network brand name drugs; and $45. for in network drugs not on the formulary list of drugs. For those covered under the BLET agreements, a proposed new agreement is in the mail. The new proposal if ratified would provide a very similar agreement that would be phased in as follows: 1. The annual deductible and co-insurance would begin at 50% effective July 1, 2012. Thus, the deductible would be $100. for a member and $200. for a family. 2. The co-insurance would be $500. for a member and $1,000. for a family. 3. Effective January 1, 2013 the annual deductible and co-insurance would be raised to 75% and then on January 1, 2014 it would be raised to 100%. There are no changes for those who have on the job injuries. The medical coverage will still pay for all on the job injuries without railroad approval or permission. The injured worker has the absolute right to seek medical and treatment from any doctor he or she chooses without interference from the railroad. The injured worked is not required to see the company doctor for treatment of an on the job injury. In fact, it is a violation of Federal Law for the railroad to interfere with an employee's treatment and care of an on the job injury.
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