Heath Insurance Participation graph shows Union members at nearly 80%, and non-union below 20%

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.

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
A person in a hijab holds a cell phone to their ear, with their other hand holding pen to paper on the desk in front of them. They're looking at a laptop that is facing them.

There are three tiers, or Levels, of medical insurance offered by Local 555. You are eligible for one Level at a time, based on how long you’ve been employed under the union contract. Level 3 is the most comprehensive option. If you’re not sure of your Level, call the Trust office at 866-796-7623 to ask.

Blue 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.)

Your Union Healthcare with Albertsons:

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 appeals

    Medical 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 appeals

    Blue Cross Blue Shield of New Jersey

    Select Local 368A (Not Albertsons)

  • 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.