| Dear Health Fund Participants, The trustees of the NJ BAC Health Fund continually monitor the financial stability of the plan to ensure that the plan will continue to provide these important benefits well into the future. The intent and goal is to provide the highest level of quality coverage while maintaining adequate reserve. The following are examples of the improvements the trustees have made to the plan. • Chiropractic Visits - Increased from 10 visits per family/year to 20 visits per family/year, paid $30.00/visit. • Emergency Room Visits - Increased from 3 per family/year to unlimited visits per family/year • $75.00 co-pay/visit. • Death Benefit - Increased $1,000 actives & $500 retiree, spouses and dependent children to $5,000 actives and $1,000 retiree, spouse and dependent children. • Physical Exam Benefit - Increase from $200.00 per family/year to $200.00 per person/year. • Dental Benefit - Increased from $1,750.00 per family/year to $2,500.00 per family/year. • Prescription Drug Benefit - Increased from $3,500.00 per family/year to $4,000.00 per family/year. With the knowledge of growing financial burden on our Medicare retirees, the trustees have not increased the premium for a supplemental plan to Medicare for the last three years. We as BAC/ADC union members are very fortunate to have a healthy selffunded plan, and up until this recent economic slowdown, an abundance of work which has afforded the Trustees the opportunity for the aforementioned improvements to the plan. The Trustees will continue to monitor the developments in the health care industry as well as the economic outlook as to how it effects our industry and address any problems as they arise to ensure a continued high level of coverage for our members and their families.
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