Date and Deadlines
This is the specific annual window when members can add, drop, or change their health coverage without a qualifying life event.
What is Open Enrollment?
This acronym refers to a network of healthcare providers where you generally pay less out-of-pocket because they have an agreement with the Trust.
What is an In-Network provider (or PPO network)?
Choosing this type of drug over a brand-name equivalent features the exact same active ingredients but costs a fraction of the price.
What is a Generic Drug?
This is the specific online portal where UFCW participants can log in to view their health eligibility, print ID cards, and check claims.
What is (MSS) the Trust Member Portal?
Most dental plans offered by the Trust Fund fully cover this type of routine visit twice a year at 100% with no deductible.
What is a Routine Cleaning (or Preventive Exam)?
Dates tor remember:
9/21/2026
10/5/2026 to 11/20/2026
What early biometrics and the 2027 Open Enrollment period
This is the fixed, flat dollar amount you pay upfront at the doctor's office or pharmacy at the time of your visit.
What is a Copay?
This convenient delivery option allows you to receive a 90-day supply of maintenance medications delivered straight to your front door, often saving you money.
What is Mail-Order Pharmacy?
True or False: If you want to keep your current benefits exactly the same next year, you can usually let them automatically roll over without filling out new forms
Is it true that a Retiree member is not required to annually enrollment?
Is it false that an Active member is required annual enrollment?
This is the most money the dental plan will pay out for the patients dental care within a single calendar year.
What is the Annual Dental Maximum?
If you experience this type of major event—like marriage, a birth, or divorce—you don't have to wait for Open Enrollment to update your benefits.
What is a Qualifying Life Event (QLE)?
This is the amount of money you must pay out-of-pocket for medical services before your health insurance plan starts chipping in to cover costs.
What is a Deductible?
This digital health option allows the member to consult with a doctor or therapist 24/7 via video or phone from the comfort of their home.
What is Teladoc/Telehealth (or Telemedicine)?
This key requirement establishes your eligibility for Trust benefits, depending heavily on you logging a specific minimum number of these each month.
What are Work Hours?
The Trust's vision plan typically covers a new pair of these corrective medical items once every 24 months for Ultra Plan members
What are Eyeglass Lenses/Frames (or Contacts)?
Typically, members have this exact number of days following a qualifying life event to submit their paperwork and make plan changes.
What is 30 days?
This is the absolute maximum amount the member will have to pay for in-network (PPO) covered medical services in a single calendar year.
What is the Out-of-Pocket Maximum?
This free, confidential benefit provides professional counseling, legal advice, and stress management support to Trust members and their families.
What is the Employee Assistance Program (EAP)?
These regular deductions from the members weekly or bi-weekly paycheck help cover their portion of the health insurance premium.
What are Employee paid spouse & dependent premiums?
This specific type of dental treatment, often used to straighten teeth for children or adults, usually has its own separate lifetime maximum limit.
What is Orthodontia (or Braces)?
Recurring Household bill (Utility bill, phone service, etc.)
Mortgage/Rent statement
Car Payment
Bank Statement
Credit Card statement
What are acceptable Dependent Verification documents?
To keep healthcare costs low, the Trust Fund requires that the member or their doctor to obtain this "advance approval" before getting certain major surgeries or high-cost scans.
What is Prior Authorization (or Pre-certification)?
A program that annually awards the member and their spouse that participate, funds to be used for their Medical and Prescription Drug deductible, coinsurance and copay.
What is the Wellness Program with HRA?
This designated group, made up of Union, Employer and Trust Fund representatives manage and make all final decisions regarding the Benefit Trust.
What is the Board of Trustees?
Going to an out-of-network dentist means the member might get billed for the difference between what the Trust Fund pays and what the dentist charges—a practice called this.
What is Balance Billing?