Young Family

YOUR 313 HEALTHCARE
Benefits Journey Starts Here

WHAT TO KNOW

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Wellness Program

Earn rewards and gifts for healthy activities. Learn more.

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Member
Assistance Program

Talk to a board-certified counselor privately and at no cost to you. Learn more.

Questions?

If you have any questions about your healthcare or benefits, contact our dedicated advocate at Lacher, Laura Mullins!

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ELIGIBILITY

If you meet the eligibility requirements of the Fund, you will be automatically enrolled in the NECA Local 313 IBEW Health & Welfare Plan. Your eligible dependents will be enrolled as soon as the required documentation is submitted.

If you do not enroll within 90 days of your initial eligibility period, you will not have an opportunity to do so until the next open enrollment period, unless you have a Qualifying Life Event.​

Eligible dependents include: (1) Your legal spouse; and (2) Your children up to age 26. Only those dependents who meet the eligibility requirements can enroll for coverage.

ELIGIBILITY REQUIREMENTS

Initial Eligibility - You are eligible for coverage under the Plan on the first day of the Benefit Quarter after you’ve completed a total of 1,000 hours of work with one or more Contributing Employers during four consecutive Working Quarters.

RESERVE ACCOUNT

Hours you work in excess of 300 during a Working Quarter, up to 900, are credited to a Reserve Account in your name. This account helps you maintain eligibility. If you don't work 300 hours during a Working Quarter, hours that have been credited in your Reserve Account may be used to help you reach the 300-hour minimum, making you eligible for coverage during the next Benefit Quarter.

If your hours worked and Reserve Account don't total 300 hours, those hours will be used to reduce your cost to purchase continued coverage, or they will be cancelled.

 

MEDICAL

The medical plans are administered by Zenith American Solutions using the Aetna network.

 

 

 

DENTAL

This benefit is available if you want a little extra protection for those pearly whites. The Dental plan is administered by Delta Dental.

 
 

VISION

Do you or your family wear glasses or contacts? This benefit may be right for you. 
The Vision plan is administered by National Vision Administrators (NVA).

 
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WELLNESS PROGRAM

When you sign up for our wellness program through Virgin Pulse, you can earn PulseCash which you can use to get cool things like fitness trackers, workout gear, headphones, and more! Earn up to $100/quarter in PulseCash. Follow the steps below to learn more and sign up.

What is the wellness program?

The Virgin Pulse wellness program provided by IBEW 313 allows you to earn gifts for healthy activities. Learn more.

How do I sign up?

Signing up is easy! Just go to join.virginpulse.com. There is NO COST to sign up!

How much can I earn?

You can earn up to $100/quarter in PulseCash. Spend it on fun items like headphones, fitness trackers, and much more.

Where do I go with questions?

Once enrolled, you can chat or call a Virgin Pulse representative. Just log in at member.virginpulse.com.

MEMBER ASSISTANCE PROGRAM - COMING IN SEPTEMBER!
Available 24/7

When life throws us curve balls, it can be good to talk with someone. With our Member Assistance Program, you and your eligible family  members can connect directly, privately, and at no cost, with a board-certified counselor by phone or text to discuss issues like anxiety, depression, and more. Plus your Member Assistance Program offers so much more. Click the button below to learn more.

 
 

OTHER BENEFITS

INSURANCE

Life

The IBEW 313 Health & Welfare Fund provides $20,000 of life insurance for each Member.

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FREQUENTLY ASKED QUESTIONS

 
 

LACHER WILL HELP

We have great news for all members enrolled in our healthcare & benefits program. As our benefits consultants, Lacher can help you get the most from your healthcare and benefits program.

LACHER WILL HELP YOU OR A MEMBER OF YOUR FAMILY WITH

 

  • Any claims that you believe haven’t been properly paid

  • Questions regarding a bill sent by a doctor, dentist, lab or hospital

  • Further clarification on any insurance matters

  • Questions about your healthcare benefits

DEDICATED ADVOCATE

We have a dedicated Member Advocate who is ready to help you deal with any situation in a discreet, confidential manner.

Our Advocate is:

Laura Mullins
Direct line: 215-660-0334  
lauram@lacherinsurance.com

Fax: 215-723-8604