Independence Administrators (IA) are the Fund's major medical insurance provider for doctors, hospitals, and specialists. When Participants visit providers who are in-network with Independence Administrators, the Fund pays the coinsurance percentage (Gold Level 90%, Silver Level 70%) of the total IA allowance, leaving the Participant responsible for the their coinsurance portion (Gold Level 10%, Silver Level 30%).  Participants are responsible for the coinsurance until they have met their out-of-pocket maximum (OOP). Once an individual or family has reached their OOP Max, the Plan will pay 100% for all further In-Network claims for the duration of the Plan Year (April 1 through March 31).

Phone

1-833-242-3330

Personal Choice Coinsurance Coverage Levels

GOLD LEVEL

90/10 Coinsurance
  • Active Eligibility - 600 or 1200 hours
  • Out-of-Pocket Maximums $1,000 / $2,000
  • Cigna Dental
  • Davis Vision

SILVER LEVEL

70/30 Coinsurance
  • Active Eligibility 450 or 900 Hours
  • Out of Pocket Maximums $2,000 / $4,000
  • No Dental Coverage
  • No Vision Coverage

RETIREE HEALTH

90/10 Coinsurance
  • Retire with Gold Level based on Credit System
  • 1 Gold Eligibility Period = 0.50 Credit
  • 1 Silver Eligibility Period = 0.25
  • Maximum of 1 Credit in a Plan Year

Prescription Coverage is the same for both Gold and Silver Levels

New IA Gold Card

Major Medical Insurance Card

Use this card when visiting any in-network doctor, hospital, specialist. If you need a replacement card please call 1-800-242-3330.

Addtional Benefits Covered Through Independence Administrators

Lab Work is covered 100% if processed through LabCorp. If processed through an in-network lab, doctor or hospital, it would be covered under your respective coinsurance coverage level (Gold Level 90/10, Silver Level 70/30).

Lean more about Lab Work coverage.

Show your Independence Administrators insurance card at any in-network chiropractor.

Learn more about the Chiropractic Treatment Benefit.

Use the Independence Administrators insurance card at any in-network acupuncture treatment facility.

Learn more about Acupuncture Treatment

Air Ambulance is covered through Independence Administrators.

Learn more about Ambulance Coverage

HAVE ELIGIBLE OUT-OF-POCKET EXPENSES?

Submit them to your HRA for reimbursement.

Medical Coverage FAQs

Want to Know More About Your Benefits?

Find out what's covered under the Fund's extensive Benefit Plan.