
Our health insurance
is among the best available
ALBERTSONS LLC AND SMITH’S FOOD
HEALTH INSURANCE OVERVIEW
Once you have completed six (6) months of employment with your employer, you might be eligible for employee only Health and Welfare (medical and prescription drug coverage) benefits effective the first day of your seventh (7 th) month of work.
In order to be eligible for medical and prescription drug coverage, the following eligibility requirements must be met:
- You must be at least 18 years old
- You must work at least 80 hours per month if you are a clerk, and 100 hours per month if you work in the meat department during your 5 th month of work and thereafter.
- Courtesy clerks are not eligible for Health and Welfare coverage.
Once you have completed twelve (12) months of work and you work at least 80 hours (Clerk) 96 hours (Meat) per month you will be eligible to add dependent children to Health and Welfare coverage and you will be eligible for vision and dental coverage. Once you have worked 17 months, you will be eligible to add a spouse
For actual coverage provided by these Plans, always refer to the handbook and endorsements or call the phone number listed below.
Your Union Healthcare with Albertsons:
Call the UFCW Local 555 Trust Office:
866-796-7623
Your Union Healthcare with McCains, Smith’s, Falls Brand, and Mountain Home Air Force Base:
You can access your coverage information at:
United Food and Commercial Workers National Health and Welfare Fund
66 Grand Avenue
Englewood, New Jersey 07631
(201) 569 – 8801
Or email UFCW Fund Customer Support at UFCWfundsupport@ufcwnationalfund.org
We need your full name, identification number and the name of your employer. We will only be able to respond if you are a participant of the UFCW National Health and Welfare Fund.
United Food and Commercial Workers National Health and Welfare Fund
Your Healthcare Plan
-
Eligibility
Eligibility
-
Coinsurance
(In-Network Cost)
Coinsurance
(In-Network Cost)
-
Annual Deductible
Annual Deductible
-
Out-of-Pocket Maximum
Out-of-Pocket Maximum
-
-
Eligibility
Retail Clerks: After 6 months of employment, 20 hours per week / 80 hours per calendar month.
Meat Clerks: After 6 months of employment, 28 hours per week / 112 hours per calendar month*
-
Coinsurance
(In-Network Cost)
Plan A**: 20%, Plan B: 25%
**Retails Clerks hired before 4/17/2004; Meat Clerks hired before 2/10/2006
-
Annual Deductible
$250 for individual, $750 for family
-
Out-of-Pocket Maximum
$6,850 for individual, $13,700 for family
-
*For Meat Clerks hired before Feb 10, 2006, hours required are 22 hours per week / 87 hours per calendar month.
Trust pays 80% for qualifying services. After annual maximums are met, the trust pays 100%. No lifetime maximum.
Out-of-Pocket Costs for Services
-
Subject to Deductible and Coinsurance
Subject to Deductible and Coinsurance
-
$10 Copay After Deductible and Coinsurance
$10 Copay After Deductible and Coinsurance
-
$100 Copay Per Admission, plus Deductible and Coinsurance
$100 Copay Per Admission, plus Deductible and Coinsurance
-
No Charge
No Charge
-
Subject to Deductible and Coinsurance
Diagnostic test (x-ray, blood work), Advanced imaging services (MRI, MRA, CT scan, PET, nuclear; outpatient services only), Outpatient surgery, Ambulance, Mental health & substance use disorder (inpatient), Hospice services, Home health care & skilled nurse facility (up to 120 visits per year)
-
$10 Copay After Deductible and Coinsurance
PCP office visits, Specialist office visits, Mental health & substance use disorder (outpatient), Outpatient rehabilitation therapy services (up to 30 Days), Chiropractic (up to 30 Days)
-
$100 Copay Per Admission, plus Deductible and Coinsurance
Hospital services, Emergency room (copay waived if admitted)
-
No Charge
Preventative Care
Prescription Drug Plan
-
Generic
Generic
-
Brand Name
Brand Name
-
Preferred Network
Preferred Network
-
Retail Clerks
Retail Clerks
-
Meat Clerks
Meat Clerks
Preferred In-Network
-
Generic
Retail $10, Mail Order $20
-
Brand Name
20% Coinsurance
-
Preferred Network
Albertsons, Smith’s Food and Drug
-
Retail Clerks
The above schedule applies to the first $200 in prescription benefits per year.
Thereafter, you must satisfy the deductible for expenses in excess of $200.
Prescription benefits will then be paid according to the above schedule -
Meat Clerks
The above schedule applies after satisfying the annual medical benefit deductible.
Standard In-Network
-
Generic
Retail $12, Mail Order $24
-
Brand Name
25% Coinsurance
-
Preferred Network
-
Retail Clerks
The above schedule applies to the first $200 in prescription benefits per year.
Thereafter, you must satisfy the deductible for expenses in excess of $200.
Prescription benefits will then be paid according to the above schedule -
Meat Clerks
The above schedule applies after satisfying the annual medical benefit deductible.
Benefit Questions
-
Medical coverage/eligibility, demographic/personal changes
(including address changes), proof of insurance, COBRA, 2nd
level claim appealsMedical coverage/eligibility, demographic/personal changes
(including address changes), proof of insurance, COBRA, 2nd
level claim appeals -
Rx (prescription)/mail-order pharmacy questions
Rx (prescription)/mail-order pharmacy questions
-
Dental benefits
Call to confirm eligibility.Dental benefits
Call to confirm eligibility. -
Vision benefits
Call to confirm eligibility.Vision benefits
Call to confirm eligibility. -
-
Other Benefit Questions
Other Benefit Questions
-
- Pension benefits
- Weekly disability income (application, check status)
- Death and AD&D insurance, retirement information, proof of insurance
- Pension benefits
- Weekly disability income (application, check status)
- Death and AD&D insurance, retirement information, proof of insurance
-
Medical coverage/eligibility, demographic/personal changes
(including address changes), proof of insurance, COBRA, 2nd
level claim appealsBlue Cross Blue Shield of New Jersey
- 201-569-8801 (BCBS of NJ)
- 888-773-8329 (Toll Free)
- 800-821-1222 (Toll Free: after hours)
- 201-569-1085 (Fax)
- www.ufcwnationalfund.org/scheduleofbenefits
Select Local 368A (Not Albertsons)
- www.ufcwnationalfund.org/forms
- www.ufcwnationalfund.org/benefitsandservices
- www.bcbs.com (Find a doctor in or out of the U.S.)
-
Rx (prescription)/mail-order pharmacy questions
Empirx Health
877-241-7123
www.magellanrx.com -
Dental benefits
Call to confirm eligibility.Delta Dental of New Jersey
800-452-9310
www.deltadentalnj.com -
Vision benefits
Call to confirm eligibility.Vision Service Plan (VSP)
800-877-7195
www.vsp.com -
-
Other Benefit Questions
-
- Pension benefits
- Weekly disability income (application, check status)
- Death and AD&D insurance, retirement information, proof of insurance
800-522-2403
This is for your reference only. Please contact your provider to confirm eligibility and benefits prior to receiving service.
-
weekly cost
weekly cost
-
annual deductible
annual deductible
-
medical
medical
-
Rx
Rx
-
dental
dental
-
vision
vision
-
preventive care
preventive care
-
reimbursement under the Trust Indemnity Medical Plan after deductible is met
reimbursement under the Trust Indemnity Medical Plan after deductible is met
Level 1
-
weekly cost
employee-only $7/week
employee + kids: $12/week -
annual deductible
400 (individual)
800 (family) -
medical
Trust Indemnity Medical Plan (Regence network)
-
Rx
yes
-
dental
not eligible for Trust or Willamette insurance, but ARE eligible for these discounts
-
vision
not eligible
-
preventive care
free
-
reimbursement under the Trust Indemnity Medical Plan after deductible is met
80% in-network
70% out-of-network
Level 2
-
weekly cost
employee-only: $10/week
employee + kids: $15/week
employee + spouse: $20/week
all family: $25/week -
annual deductible
400 (individual)
800 (family) -
medical
Trust Indemnity Medical Plan (Regence network) or Kaiser
-
Rx
yes
-
dental
Trust or Willamette
-
vision
not eligible
-
preventive care
free
-
reimbursement under the Trust Indemnity Medical Plan after deductible is met
80% in-network
70% out-of-network
Level 3
-
weekly cost
employee-only: $10/week
employee + kids: $15/week
employee + spouse: $20/week
all family: $25/week -
annual deductible
300 (individual)
600 (family) -
medical
Trust Indemnity Medical Plan (Regence network) or Kaiser
-
Rx
yes
-
dental
Trust or Willamette
-
vision
VSP
-
preventive care
free
-
reimbursement under the Trust Indemnity Medical Plan after deductible is met
85% in-network
70% out-of-network
Additional Resources
Make sure you’re informed about other options that may be of use to you.
-
Retirement options
Depending on your contract and eligibility, make sure to remain informed about your retirement options.
-
Supplemental Insurance
-
Union Plus Discounts