New SOA Medical Benefit	BCBS PPO Network	Non-BCBS PPO Network
Annual Deductible	None	None
Annual Out of Pocket Maximum includes medical copay and coinsurance amounts. MCTWF complies with the Affordable Care Act out-of-pocket cost limits*	$2,000 per family	$4,000 per family
In-Patient Hospital Expenses	Covered 100% of CC after $250 copay for up to 365 days semi-private room or private room if medically necessary	Covered 90%** of MAB after $250 copay for up to 365 days semi-private room or private room if medically necessary
Hospital Emergency Expenses    (must meet criteria)	Covered 100% of CC after $75** copay (waived if admitted)	Covered 100% of MAB after $75** copay (waived if admitted)
Mental Health & Substance Use Disorder Benefits (must receive prior authorization for inpatient services by calling BCBS at 800-762-2382)	Inpatient Hospital:Covered in full after $250 copay per admission. Inpatient Physician:Covered in full Outpatient Physician:$15** copay	Inpatient Hospital:Covered 100% of MAB after $250 copay per admission. Inpatient Physician:Covered 80%** of MAB Outpatient Physician:Covered 60%** of MAB
Surgical Expenses	Covered 100% of CC	Covered 90%** of MAB
Specified Organ Transplant Program Expenses	Covered 100% of CC. Must use a designated facility.	Covered 100% of CC. Must use a designated facility.
Maternity Expenses Pre/Post Natal Delivery	Covered 100% of CC	Covered 90%** of MAB
Anesthesia Expenses	Covered 100% of CC	Covered 90%** of MAB
Ambulance Expenses Ground/Air/Water	Covered 100% of CC	Covered 100% MAB
X-ray and Diagnostic Testing Expenses	Covered 100% of CC	Covered 90%** of MAB
Laboratory Expenses   Fluids/Pathology/Diagnostic Tests	Covered 100% of CC	Covered 90%** of MAB
Physician Charges   Inpatient   Outpatient Primary Care Visit   Outpatient Specialist Visit   Outpatient Urgent Care Visit   MDLIVE Telehealth Consultation	Covered 100% of CC $15** copay $30** copay $35** copay $0 copay ($10** copay waived through 03/31/25).	Covered 80%** of MAB Covered 60%** of MAB Covered 60%** of MAB Covered 60%** of MAB Not Covered
Wellness Benefit   Physical / GYN Exam /   Well Child Exam	Covered 100% of CC	Covered 60%** of MAB
Wellness Benefit Pap Smear Screening & Mammogram Screening	Covered 100% of CC	Covered 90%** of MAB
Wellness Benefit Child Immunization / Adult Flu Vaccination	Covered 100% of CC	Covered 80%** of MAB
Injection Expenses	Covered 90%** of CC	Covered 80%** of MAB
Chiropractic Expenses	24 spinal manipulations per person annually covered 80% of CC. One mechanical traction per day only with spinal manipulation covered under Physical, Speech & Occupational Therapy Expenses. One "new patient" office visit every 36 months and one "established patient" office visit annually, per chiropractor, covered under Physician Charges - Outpatient/Office Visit.	24 spinal manipulations per person annually covered 70% of MAB. One mechanical traction per day only with spinal manipulation covered under Physical, Speech & Occupational Therapy Expenses. One "new patient" office visit every 36 months and one "established patient" office visit annually, per chiropractor, covered under Physician Charges - Outpatient/Office Visit.
Hearing Aid Expenses	Covered 100% of CC, up to $1,500 per person, per ear every 2 years	Covered 100% of MAB, up to $1,500 per person, per ear every 2 years
Outpatient Cancer Treatment (e.g. chemotherapy & radiation therapy)	Covered in full Copayment and coinsurance waived	100% of MAB Coinsurance waived
Physical, Speech & Occupational Therapy Expenses	Covered 75%** of CC	Covered 65%** of MAB
Home Health Care Expenses	Covered 90%** of CC	Covered 90%** of MAB
Skilled Nursing Facility Expenses	100% eligible expenses for room and board and other medical services up to 730 days reduced by 2 times the number of days in hospital.	100% eligible expenses for room and board and other medical services up to 730 days reduced by 2 times the number of days in hospital.
Hospice Care Expenses	Covered 100% of CC	Covered 100% of MAB
Durable Medical Equipment and Medical Supplies Expenses	Covered 90%** of CC	Covered 90%** of MAB
Prosthetic Devices and Orthotics Expenses	Covered 75%** of CC	Covered 75%** of MAB
Survivor Health Benefits	Provides up to 36 months of free medical and prescription drug coverage for eligible spouses and dependent children of participants who die while actively covered under a MCTWF medical benefits package. Coverage will mirror the benefits provided to the deceased participant’s MCTWF participating group.	Provides up to 36 months of free medical and prescription drug coverage for eligible spouses and dependent children of participants who die while actively covered under a MCTWF medical benefits package. Coverage will mirror the benefits provided to the deceased participant’s MCTWF participating group.

New Rx1b Prescription Drug Benefit	Caremark Pharmacy Network
	Covered in full after the below applicable copay at a participating retail or mail order pharmacy. Coinsurance percentage subject to minimum/maximum copays. 2 retail maintenance medication fills of 34 days or less at any participating pharmacy. Thereafter must use CVS Caremark mail order pharmacy or up to 90 day supply from any retail CVS Pharmacy.
	Retail & Mail Up to 34 days	Retail 90 & Mail 35 - 60 days	Retail 90 61 - 90 days	Mail 61 - 90 days
Generic Preferred Brand Non-Preferred Brand	$5 copay 25% $15 min/$100 max 40% $30 min/$115 max	$10 copay 25% $30 min/$200 max 40% $60 min/$230 max	$15 copay 25% $45 min/$300 max 40% $90 min/$345 max	$10 copay 25% $35 min/$225 max 40% $80 min/$260 max

Other Benefit(s)	Coverage
Benefit Bank Weeks	Receive 6 benefit bank weeks for the period of 04/01/2024 through 03/31/2027.***

CC (Contracted Charges) means the agreed upon fees between MCTWF and in-network providers.

MAB (Maximum Allowable Benefit) means the portion of the amount billed by an out-of-network provider that has been established as the benefit package maximum payable amount, subject to deductible, coinsurance and co-payments.

*	In accordance with the Affordable Care Act, effective January 1, 2017, all MCTWF Actives Plan medical and prescription drug benefits combined in-network out-of-pocket costs are subject to calendar year limits. Out-of-pocket costs refer to deductibles, copay and coinsurance amounts (but not contribution payments, or out-of-network cost-sharing or balance bill payments). Once a calendar year limit is reached, coverage must be provided for the balance of the year without further out-of-pocket costs for in-network medical and prescription drug benefits. The limits for 2024 are $9,450 per individual and $18,900 per family member. Accumulations toward these statutory out-of-pocket cost limits are tracked on each MCTWF Explanation of Benefits (EOB) form and in each MCTWF Participant Portal account.
**	The co-payments and/or coinsurance payments for these services apply toward the annual out-of-pocket maximum.
***	Participant receives the noted 6 weeks except in cases where a different arrangement was approved by MCTWF, or the participant is contributed on under a MCTWF benefit package with seasonal eligibility requirements, in which case they do not receive benefit bank weeks.

Eligibility for auto-related accidental injuries or illnesses under your MCTWF benefit package will be available only to the extent that claims resulting from the accident are in excess of the greater of (1) the required insurance coverage or other financial protection required under applicable state law, or (2) the benefit limits of any other insurance under which the individual is entitled to coverage. MCTWF will provide benefits pursuant to a signed MCTWF Assignment, Subrogation and Reimbursement Agreement, contingent upon the submission of proof that benefits have been exhausted through the auto carrier and/or other insurance available. MCTWF does not provide Qualified Health Coverage.

If you are the operator or occupant of a rental vehicle and other medical coverage is available, no MCTWF benefits will be paid for auto-related accidental injuries or illnesses.

This Schedule of Benefits is not a full statement of covered services under your benefit package. As a general rule, all procedures or services not deemed experimental by the medical community are covered. Contact MCTWF's Member Services Call Center for any benefit questions you may have.

Michigan Conference of Teamsters Welfare Fund
2700 Trumbull Avenue, Detroit, Michigan 48216
(313) 964-2400 or (800) 572-7687
Alternative Outage Number (800) 482-2219
www.mctwf.org