Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Contratistas profesionales, capacitados y orgullosos de pertenecer al sindicato. Asociación de Contratistas Mecánicos del Sur de Florida La Asociación de Contratistas Mecánicos del Sur de Florida es una asociación que representa a los contratistas que construyen y dan servicio a sistemas de calefacción, ventilación, aire acondicionado, refrigeración y tuberías en las áreas metropolitanas de Miami y Ft. Lauderdale y sus suburbios, así como en los Cayos de Florida. A través de la educación, la representación legislativa, la negociación y las oportunidades de establecer contactos, la MCASF ayuda a nuestros contratistas miembros a orientar sus empresas en la dirección correcta para el futuro. La MCASF está afiliada a la Asociación de Contratistas Mecánicos de Estados Unidos y a los Contratistas de Servicios Mecánicos de Estados Unidos, y nuestros contratistas miembros son signatarios del Sindicato Local 725 de Instaladores de Tuberías de Aire Acondicionado y Refrigeración de la Asociación Unida. Visita el sitio web de MCASF

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Benefit Services se estableció en 2018 para brindar una administración profesional, atenta y dedicada de los beneficios de atención médica y jubilación a los miembros y sus dependientes de United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 y para brindar apoyo de remesas a los empleadores contribuyentes de Mechanical Contractors Association of South Florida. Las Oficinas de Servicios de Beneficios están ubicadas en 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. Profesional. Amable. Dedicado. Jeffrey Allen Administration Lianet Prieto Employer Services Josh Allen Retirement Services Jennifer Vasquez Healthcare Services Roberto Mattei Accounting

Where should you go for medical help? A quick guide to ERs, urgent care centers, primary care clinics and more You can save time and money by choosing the right place to get medical care. If you're not feeling well or you've had an accident, should you head to the ER, an urgent care clinic, or call your primary care doctor? Knowing when and where to get the care you need can help you get help fast while saving money. Treatment at a hospital ER is typically the most expensive option, and depending on your condition, you may have to wait hours to get the help you need. Learn more about your options and how to choose the right place to get medical care. Learn More Know when to go to the ER "ACT FAST" is a helpful acrostics guide for the conditions that call for a visit to the ER. You should call 911 or go directly to an ER for the following conditions: A = ACCIDENT. Serious injuries, broken bones or severe bleeding C = CHEST PAIN . Could signal a heart attack or other serios cause. Don't delay! T = TROUBLE BREATHING. Asthma, an allergic reaction, or poisoning F = FAINTING. Dizziness, fainting, sudden weakness could indicate a stroke A = ALLERGIC REACTION with SWELLING or TROUBLE BREATHING. Reactions to bee & insect stings, or medication and food could be causes S = SUDDEN. Any condition that comes on quickly, including sudden weakness or confusion T = TIME SENSITIVE . Things like strokes and heart attacks need immediate care If you are in an ACT FAST category, those are good reasons to go to the Emergency Department. Don't sit at home and not get the emergency care when you need it and miss the opportunity to get care with the best outcome. A stroke has better treatment options and outcomes if its treated in the first four hours and not a couple of days later. But the ER is not the right place to go for help with routine medical concerns. ER staff care for the most critically injured patients first, they prioritize care based on how critically ill the person is and showing up with a condition that can be treated elsewhere can drain resources for those who really need them. Urgent Care can help with things that can't wait Urgent Care clinics treat sprains, minor infections and other complaints that need attention quickly but aren't life-threatening. Providers at urgent care often help patients more quickly than doctors at a hospital ER. Many have extended hours, so they're often open on evenings and weekends when your primary care provider is closed. Some urgent care clinics offer X-ray and lab services, while others do not. It can help to call ahead. Primary Care providers help with preventive care and handle long-term health issues Your primary care provider should be your key partner in keeping you healthy and helping you stay on top of routine items like vaccinations and health screenings. You should create a strong relationship with your primary care provider and schedule regular checkups. The better your doctor know you, the healthier you will be. And if you get sick with a case of the flu or you need a refill on a prescription, you can call your doctor's office for help. Primary care clinics are not the best place to get help for an emergency, and if you show up with one, the nurse or medical assistant will likely send you to urgent care of the ER. If you are not sure where to go for care, you can call your doctor's office for guidance. Virtual Visits Access to see doctors online expanded greatly during the COVD-19 pandemic. Virtual visits enable patients to connect directly with your medical provider using a computer, a tablet, a smart phone or other electronic device, through a secure video connection. Be wary of using the internet to diagnose your self Many people use Google or AI (artificial intelligence) to learn more about medical conditions and treatment. You can find some good, general health information online, but be sure you are getting information from legit health experts. You shouldn't use AI to research an acute condition, determine a diagnosis or replace regular medical care. Beware of misinformation, which is rampant on social media. It is always best to consult with your primary care provider not the internet. Know Where to Get the Care You Need....

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Contratistas profesionales, capacitados y orgullosos de pertenecer al sindicato. Sindicato Local 725 de Instaladores de Tuberías El sindicato local 725 de instaladores de aire acondicionado, refrigeración y tuberías de United Association representa a más de 1200 miembros en el área del sur de Florida que trabajan en la industria de aire acondicionado, refrigeración y sistemas mecánicos. El trabajo del sindicato local 725 abarca la instalación, modernización, mantenimiento y reparación de plantas de tratamiento de agua y alcantarillado, instalaciones de tuberías de combustible para aeropuertos, instalaciones de tuberías de tinta para plantas de periódicos, sistemas de amoníaco y glicol para cámaras frigoríficas y pistas de hielo, plantas farmacéuticas y muchas otras. Fundado el 22 de junio de 1950, la jurisdicción del Sindicato Local 725 abarca los condados de Miami-Dade, Broward y Monroe, así como la jurisdicción en 4 condados costeros de la costa oeste de Florida; Collier, Lee, Charlotte y Sarasota para todos los servicios mecánicos de HVAC. El centro de capacitación del Local 725, ARPEC (Centro de Educación en Aire Acondicionado, Refrigeración y Montaje de Tuberías) tiene profundas raíces en el estado de Florida y se registró por primera vez como programa de aprendizaje el 11 de octubre de 1949. Desde entonces, ARPEC ha seguido siendo uno de los programas de aprendizaje más respetados en los Estados Unidos y Canadá. Visita el sitio web de UA 725 Visita el sitio web de UA 725

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Benefit Services se estableció en 2018 para brindar una administración profesional, atenta y dedicada de los beneficios de atención médica y jubilación a los miembros y sus dependientes de United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 y para brindar apoyo de remesas a los empleadores contribuyentes de Mechanical Contractors Association of South Florida. Las Oficinas de Servicios de Beneficios están ubicadas en 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. MCASF Local 725 Pension Trust Fund Is a Defined Benefit retirement plan that provides Local 725 members with a valuable retirement benefit: a secure, predictable income in retirement. Unlike many other retirement plans, this Plan promises a specific monthly benefit amount for life, calculated based on your years of service and other factors outlined in the Plan. The Board of Trustees and professional investment managers handle all investment decisions and risks, ensuring your benefit is paid reliably regardless of market conditions. This guaranteed lifetime income, often described as a "traditional pension", is very rare and excellent benefit in today's world, offering true financial peace of mind in retirement. The MCASF Local 725 Pension Plan isn't just a benefit on paper. It's union-negotiated monthly income that, for some people, makes the difference between living with comfort and dignity in your retirement and just getting by. Visit the Pension Page MCASF Local 725 Health & Welfare Trust Fund Your Plan, with claims paid by your contributions This Health Plan operates under a self-funded model, meaning the money used to pay claims comes directly from the fund's assets, which are paid by MCASF contractors on behalf of their employees who are Local 725 members. In simple terms, every dollar counts and enables us to keep the plan well-funded so it can provide excellent benefits to you and your family. One way we make sure that your plan assets are being used appropriately is by through an annual verification. Each year, you are required to submit an Annual Family Statement. This form plays an important role in ensuring that only eligible family members are covered by the plan. If the Annual Family Statement isn't submitted, health coverage is suspended until the form is received. The Board of Trustees is required by federal law to be good stewards of the Plan's assets. This annual verification process helps them accomplish that by ensuring that your health plan assets are only used to cover individuals who should be covered. Visit the Health Page MCASF Local 725 Defined Contribution Retirement Trust Fund Is a Defined Contribution retirement plan that provides Local 725 members with an additional valuable retirement benefit, either in a lump sum benefit or periodic distributions of your account balance. Unlike a pension plan, the defined contribution plan does not promise a specific amount of benefits at retirement. The Board of Trustees and professional investment managers handle all investment decisions for the MCASF Local 725 Defined Contribution Retirement Plan. Your account balance is pooled with all of the other members of Local 725 and invested to hopefully gain investment interest to provide you with an attractive lump sum benefit at retirement. You can help make your account balance grow by electing to have your employer withhold a certain amount per hour from the hours you work on a pre-tax basis. Visit the Defined Contribution Page

vision program for members & eligible dependents of UA Local 725 Every waking moment, your eyes invite you to engage in life. VISION BENEFITS Your Vision Benefit is a valuable addition to your Health Plan, designed to help Local 725 members and their eligible dependents maintain healthy eyesight and access to quality eye care. Through our partner, EyeMed, this benefit gives you the freedom to choose from thousands of in-network providers, including independent eye doctors, popular retail locations, and even online options, so you can select the provider and eyewear brands that best fit your needs and style. Key features include: Coverage for annual comprehensive eye exams, which not only helps you see your best but can also detect early signs of serious health conditions. Benefits for prescription glasses, contact lenses, or both, with member-only discounts and extras. A safety glasses benefit for active members (in addition to regular glasses) Easy access to care: Find providers, schedule appointments quickly, and manage your benefits on the go, through the convenient EyeMed member app. All services are designed to make eye care straightforward, affordable, and tailored to you. How to Access & Use Your Vision Benefits Your Vision Benefit Provider The MCASF Local 725 Health & Welfare Fund selected EyeMed to be our partner for your vision benefit. www.eyemed.com As an eligible participant in the Health Fund, you now will have a vision benefit as outlined in the Benefit Summary. Click on the button below to read the Benefit Summary. All eligible working union members have a safety glass benefit in addition to your regular eye glass benefits. This page highlights some of this information. If you use an in-network EyeMed provider, you don't need to worry about an ID card. You can set an appointment with that in-network eye doctor and when you go to your appointment, you just have to tell them your name and birthday and they will handle the rest. Please see below for Frequently Ask Questions and other information on why it's important to get an eye exam. Customer Care Center : (866) 800-5457 Locate in-network providers, listen to member benefit information, speak to a customer service representative, etc. Benefit Summary Safety Benefits FAQs Eye Exam Can Show

Page dedicated to providing information on the Members Assistance Program brought to you by Ulliance Life Advisor Brought to you from our partner, ¿Qué servicios le brindará el nuevo Programa de Asistencia al Miembro? El fideicomiso de salud y bienestar del sindicato MCASF Local 725 se complace en presentar un nuevo programa de asistencia para miembros diseñado para ayudar a los miembros del sindicato Local 725 y a sus familiares cubiertos a afrontar los numerosos desafíos personales y laborales que todos enfrentamos de vez en cuando. Por ejemplo, es posible que necesite asistencia confidencial para controlar el estrés o la depresión, aprender nuevas habilidades para padres o encontrar un hogar de ancianos para un ser querido. Este nuevo programa, el Programa de asistencia para miembros Ulliance Life Advisor , ofrece muchos servicios, entre ellos asesoramiento a corto plazo para problemas de salud mental, coaching, intervención en situaciones de crisis y recursos comunitarios. Otros ejemplos de áreas de asistencia incluyen: Asesoramiento para ayudarle a controlar el estrés, la ansiedad y la depresión. Asesoramiento sobre abuso de sustancias. Asesoramiento en cuestiones familiares. Asesoramiento financiero. Creemos que este programa será muy útil para usted y los miembros de su familia que están cubiertos por el plan de salud. Lea la carta introductoria a este Nuevo programa. LEER AQUÍ Watch Watch Introductory Video Más información Obtenga más información sobre nuestro nuevo Programa de asistencia a los miembros Resumen del programa de asistencia a los miembros Asistencia legal y financiera Monitoreo de robo de identidad To access help, please call Ulliance at 800-448-8326 24 hours a day, 7 days a week. Life Advisor Well-Being Portal Through every new challenge, Ulliance Life Advisor remains committed to improving the lives of the members of UA Local 725 and their eligible dependents. Discover the tools & resources for you & your family to help you balance your worklife. Connect with us Here! MCASF Local 725 Health Fund's Member Assistance Program brought to you by our partner: Límites de vacaciones: La temporada de fiestas puede generar estrés y presión, pero establecer límites ayuda a mantener el bienestar. Prioriza lo que más importa, crea un presupuesto y recuerda que está bien decir que no. Leer más Celebrando la sobriedad durante las fiestas: A medida que se acerca la temporada de fiestas, nos encontramos rodeados de decoraciones festivas, reuniones familiares y una gran cantidad de comida y bebida. Si bien esta época del año puede ser mágica, también puede traer desafíos únicos, especialmente para quienes se están recuperando. Celebrar la sobriedad durante las fiestas no solo es posible; puede ser una experiencia profundamente gratificante. Leer más Celebrando la sobriedad durante las fiestas: A medida que se acerca la temporada de fiestas, nos encontramos rodeados de decoraciones festivas, reuniones familiares y una gran cantidad de comida y bebida. Si bien esta época del año puede ser mágica, también puede traer desafíos únicos, especialmente para quienes se están recuperando. Celebrar la sobriedad durante las fiestas no solo es posible; puede ser una experiencia profundamente gratificante. Money Mindset: How Emotions Shape Our Earnings & Investments Your financial decisions are influenced by patterns you rarely notice. This session uncovers those emotional spending habits and shows how to shift them toward better long-term financial well-being. Come if you want a clearer, steadier way to manage money. Celebrando la sobriedad durante las fiestas: A medida que se acerca la temporada de fiestas, nos encontramos rodeados de decoraciones festivas, reuniones familiares y una gran cantidad de comida y bebida. Si bien esta época del año puede ser mágica, también puede traer desafíos únicos, especialmente para quienes se están recuperando. Celebrar la sobriedad durante las fiestas no solo es posible; puede ser una experiencia profundamente gratificante. Leer más Suicide: A Prevailing Concern Here you will find additional resources on the topic of suicide, offering valuable information, supporting options, and guidance to help you or someone you care about navigate this difficult subject. Mirar Mire estos videos introductorios sobre nuestro nuevo Programa de asistencia a los miembros Grab a sticker for your hard hat while you are there too. 15 razones para utilizar el programa de asistencia al empleado Life Advisor Ansiedad, estrés, tristeza/depresión, ira, comunicación, relaciones, uso de sustancias/adicciones, duelo y pérdida, crianza de los hijos/familia, atención médica/atención a personas mayores, problemas profesionales/de rendimiento, violencia doméstica, asuntos legales/financieros. El EAP está diseñado para atender inquietudes que afectan su vida diaria, sus relaciones, su equilibrio entre el trabajo y la vida personal, su salud mental, su trabajo y su carrera, su calidad de vida y su bienestar general, ahora mismo. Llame hoy y hable con un profesional de la salud mental antes de que sus inquietudes se conviertan en una crisis. 1. Cuando has tenido una discusión con tu cónyuge/pareja y tienes dificultades para comunicarte. 2. Cuando estás preocupado por algo que tu hijo adolescente dijo o hizo. 3. Cuando tu buen amigo de repente te deja de hablar y no tienes idea por qué. 4. Cuando estás estresado porque no hay suficiente dinero para las vacaciones, las vacaciones de verano o las facturas. 5. Cuando tienes una pregunta legal, pero prefieres no preguntarle a tu familiar. 6. Cuando te sientes abrumado por demasiadas cosas que hacer. 7. Acabas de casarte y tus hijos y los hijos de tu nuevo cónyuge no se llevan bien. 8. 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Information regarding Florida Blue coverage and helpful webinars Información y seminarios web para una vida más saludable...

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Benefit Services se estableció en 2018 para brindar una administración profesional, atenta y dedicada de los beneficios de atención médica y jubilación a los miembros y sus dependientes de United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 y para brindar apoyo de remesas a los empleadores contribuyentes de Mechanical Contractors Association of South Florida. Las Oficinas de Servicios de Beneficios están ubicadas en 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. About Our Board The Joint Boards of Trustees serves as the dedicated governing body responsible for the strategic oversight and financial safeguarding of the Taft-Hartley Employee Benefit Funds. Composed of an equal number of labor union and management representatives, this bipartisan board operates under strict ERISA fiduciary standards to ensure all decisions directly serve the best interests of plan participants and their families. By balancing diverse workplace perspectives with rigorous fiscal management, the Trustees protect the long-term stability of the members' health and welfare, and retirement plans. Through this shared commitment, the Board works to secure the members' hard-earned benefits, providing lasting financial security and peace of mind for entire membership. Board of Trustees Values Integrity Accountability Transparency Prudence Collaboration Empathy Board of Trustees Co-Chairman Kenneth E. Scott, Jr. Business Manager/FST UA Local Union 725 Co-Chairman Eduardo Llosent CEO Airtech Air Conditioning Labor Trustee Thomas A. Flavell Business Agent UA Local Union 725 Employer Trustee Julie C. Dietrich Executive Vice President Mechanical Contractors Association of South FL Labor Trustee Ralph J. Castro Journeyman South Florida Trane Employer Trustee Christopher S. Figueras President Evo Air Labor Trustee Robert T. Heslekrants General Foreman - Retired Nagelbush Mechanical Employer Trustee Gabriel Rodriguez General Manager Brophy Air Specialty Group, LLC

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Los fondos Los Fondos Fiduciarios de Beneficios para Empleados son administrados y mantenidos por una Junta de Fideicomisarios, que consta de un número igual de fideicomisarios designados por los trabajadores y por la gerencia. Cada Fondo Fiduciario de Beneficios para Empleados se administra a través de los términos y disposiciones de su respectivo Documento de Plan y Acuerdo de Fideicomiso. El Consejo de Administración. Have you wondered what your employer is deducting from your paycheck?? Deductions on your paycheck should only be for your Union's gross wage assessment (Working Dues), which is 2% of that pay period's gross wages, including travel and non-working hours paid. There should also be a deduction of $0.05 per hour worked for the Political Education Committee, $0.15 per hour worked for Market Recovery and $0.10 per hour worked for Organizing. Some employer pay choose to lump these 3 assessments into one deduction of $0.30 per hours worked. Additionally, if you elected to make a voluntary employee contribution to your Defined Contribution account, that amount you elected per hour will also be deducted from your paycheck. If you are not sure of the deductions listed on your paycheck, you should reach out to your employer's payroll department for help understanding the deductions. You can also contact UA Local 725 for additional assistance.

Contact information for Benefit Service, administering benefits for participants of UA Local 725 and remittances for contributing employers of MCASF. Contacto 15800 Pines Blvd., Suite Pembroke Pines, Florida 333027 754-777-7735 info@725benefits.org First Name Last Name Email Message Thanks for submitting! Send

This pages provides answers to FAQs for the Health Fund for UA Local 725 & MCASF. Preguntas frecuentes Esta página contiene preguntas frecuentes sobre el Fondo de Salud. Si tiene alguna pregunta o inquietud con respecto a su cobertura de salud, comuníquese con la Oficina de Beneficios al 754-777-7735 o info@725benefits.org Fondo de Salud Preguntas frecuentes Q. Who are my eligible dependents? A. Your lawful spouse; Your biological children up to age 26; Your legally adopted children up to age 26; Your step-children up to age 26; and Child for whom you have been appointed legal guardian by court for length of guardianship or to age 26, which occurs first Q. When do I become eligible for benefits? A. You will become initially eligible for benefits on the 1st day of the month after you have accumulated contributions paid by your employer of 400 or more employment hours during a 5 consecutive month period. Q. How do I maintain my continued health care coverage? A. Once you have passed initial eligibility, to maintain your coverage, you must work at least 100 hours per month. If you do not work 100 hours per month but have sufficient hours in your hour bank to make up the difference, your coverage will be continued. Q. I worked over the amount of hours needed for coverage, what happens to those additional hours? A. For any hours you work over 100 in a month, those exceeded hours are placed into your "hour bank", the maximum amount of exceeded hours allowed to be placed in the hour bank is 1,000 hours (10 months of coverage). You may utilize hours in your hour bank to assist you in maintaining coverage (i.e. You only worked 60 hours in a month, so you will be short by 40 hours for coverage but your hour bank has a balance of 200 hours. The Fund will withdrawal 40 hours from your bank and add those hours to the 60 hours you work to ensure you have continued coverage. After the withdrawal, your hour bank balance will be 160 hours). Q. How do I add my new baby or spouse to my insurance plan? A. You must submit a completed, signed Enrollment & Vital Information Form along with other required legal documentation to Benefit Services. You can download the Enrollment & Vital Information Form located under Health Care Document section on this website and mail it into Benefit Services. You must enroll your new dependent within 30 days of birth, adoption, marriage or other important life changes. Documents Required Are : (you must provide these documents or your dependent will not be covered) Spouse: copy of your marriage certificate, copy of spouse's photo ID, copy of spouse's Social Security Card Child : copy of your child’s birth certificate, copy of child's Social Security Card, copy of child's photo ID (if applicable) Step-child : copy of legal decree for coverage, copy of recent tax return, child’s birth certificate, copy of child's Social Security Card, copy of child's photo ID (if applicable) Adopted child: copy of legal decree of adoption, copy of child's Social Security Card, copy of child's photo ID (if applicable) Child for whom you have been appointed their legal guardian: original copy of legal guardianship documents, copy of child's Social Security Card, copy of child's photo ID (if applicable) If Temporary guardianship, status updates will be required every 6 months Failure to remit the required enrollment & vital information form and documents will delay your dependent from getting on coverage. Q. How do I add my spouse to my healthcare benefit? A. Please contact Benefit Services at (754) 777-7735 for more information. You may also download an Enrollment & Vital Information form located under Health Care Documents section on this website. Once downloaded, complete the enrollment & vital information form in its entirety and submit a copy of your marriage certificate, a copy of spouse's photo ID and copy of spouse's Social Security Card. Failure to remit the required enrollment & vital information form and documents will delay your spouse from getting on coverage. Q. How do I add my newborn child to my healthcare benefit? A. Please contact Benefit Services at (754) 777-7735 for more information. You may also download an Enrollment & Vital Information form located under Health Care Documents section on this website. Once downloaded, complete the enrollment & vital information form in its entirety and submit a copy of your newborn child’s birth certificate and copy of child's Social Security Card when available. You must enroll your newborn child within 30 days of birth. Failure to remit the required enrollment & vital information form and documents will delay your newborn child from getting on coverage. Q. Whom should I contact if I'm getting a divorced and what documents do I need to submit? A. Please call Benefit Services and advise the Healthcare and Retirement Services Departments that you are getting a divorce or have already gotten divorced. You will also need to submit a FULL copy of your Judgment of Divorce, Marital Assets/Property Agreements and orders or decrees to the Benefit Office. You should request a new beneficiary form. Don't forget to contact the Union Hall (305) 681-8596 to provide them with a copy of your divorce decree. Benefit Services does not and cannot provide a copy to the Union Hall without your written approval to share that information/documentation. Q. I am a first year Apprentice, do I get health coverage? A. No health coverage is not available for first year apprentices. When you advance to a second year apprentice, you will be come eligible for health coverage after 1 hour of work as an Apprentice 2nd year is remitted on your behalf. Eligibility begins on the first day of the month following receipt of that 1 hour of work. Q. Whom should I call if I have questions about my eligibility? A. Please contact Benefit Services at (754) 777-7735 Q. How do I find a doctor in the Florida Blue network? A. You can go to the Florida Blue website (www.floridablue.com ) and select "Find a Doctor " , you would then add your zip code and then select "BlueOptions " as your plan. Q. What if I don’t have enough contributions or hour bank credits to gain eligibility for the month? A. If you fail to have the required employer contributions or hour bank credits to continue healthcare coverage, you may continue coverage by electing COBRA. Each month, the Benefit Office will determine if you have enough hours or hour bank credits to continue eligibility. If you do not, you will receive a COBRA package in the mail explaining your rights under COBRA. It is important to read this package thoroughly so that you are aware of your rights and understand the steps for continuing coverage under COBRA. Q. Will my child(ren) who is/are age 19 through age 26 be covered under the Plan? A. Yes. Due to the Healthcare Reform Act, dependent children are now eligible to remain on the coverage until the age of 26, regardless of student status. Please contact Benefit Services at (754) 777-7735 for more information. Q. How do I make a payment to continue my Health Care coverage? A. You may remit monthly COBRA self-payments via personal check, money order or cashier’s check to MCASF Local 725 Health & Welfare Fund at 15800 Pines Blvd., Suite 201, Pembroke Pines, FL 33027. You may also pay through your PayPal account, the PayPal button is located on the Health main page. Q. How do I inquire about the status of my medical claim? A. Your medical claims are paid by Florida Blue. Should you have any questions on your medical benefits, claims status, please contact BCBSFL at (800) 664-5295. Q. How do I request a new medical ID card? A. To request a new medical ID card, please contact Benefit Services at (754) 777-7735. Q. Is there a deductible for the insurance? A. Yes, In-Network; $500 per person/ $1,500 family. Out-of-Network; not applicable. Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must their own individual deductible until the total amount of deductible expenses paid by all family members meet the overall family deductible. The medical plan's benefit year is January 1st through December 31st. Q. Is there a deductible or co-payment on office visits? A. Yes, there is a $45.00 co-payment for a doctor's office visit. Q. Is there a charge for an Emergency Room visit? A. Yes, there is a $300.00 deductible per visit. Urgent care cost is more lower, please check out this helpful flyer Know before you go - Urgent Care vs. Emergency Room t o help you determine which facility you should received care. Q. Is there a maximum I will pay for medical claims? A. Yes, once you have met your calendar year deductible, you will pay 20% of the cost for your medical service and the Fund pays 80% of that cost. Once you have paid $3,600 per person / $7,200 family out-of-pocket for your calendar medical claims then the Fund pays 100% of your medical claims for the rest of that calendar year. Q. I'm an Actively working member and I have illness that is preventing me from working, does the Fund offer any benefits? A. Yes, if you become disabled due to illness or non-occupational bodily injury, you may qualify for short term disability if you meet the requirements. You may be entitled to a benefit based on your job classification if your injury or illness occurred off the job. Benefit for General Foreman, Foreman, R5, R1 & MESJ is $500.00 per week. R2 & Apprentice 5th Year is $360.00 per week. And for R3, R4, MES2, MES3, Apprentice 2nd Year , 3rd year & 4th Year and MAT it is $250.00 per week. A maximum benefit of 26 weeks. Please contact Benefit Services at (754) 777-7735 for further information. Q. I need a prescription, is there a co-payment? Where can I get my prescription filled? A. Yes, the Fund has 3 levels of prescription co-payments, in addition, there is mail order available which will save you money if your prescription is for a longer period. > Generic Drugs: $15 co-pay for retail and $30 co-pay for mail order > Preferred Brand Drugs: $35 co-pay for retail and $70 co-pay for mail order > Non-Preferred Brand Drugs: $65 co-pay for retail and $130 co-pay for mail order If you utilize an Out-of-Network Pharmacy, you will have a 50% co-insurance cost on your prescription. > Specialty Drugs: Subject to the cost share based on applicable drug tier. Not covered through mail order. Sav-Rx is our pharmacy benefit manager, if you click on their website link on the Health Care page of this website, you will be able to find a Pharmacy near you or call (800) 228-3108. Please note that Sav-Rx is a full insured pharmacy card, it is NOT a discount card. Q. Is there a maximum I will pay for my prescriptions? A. Yes, once you have paid $900 per person / $1,800 family out-of-pocket for your calendar prescriptions cost then the Fund pays 100% of your prescription cost for the rest of that calendar year. Q. How do I request a new prescription ID card? A. To request a new prescription ID card, please contact Sav-Rx at (800) 228-3108 . Q. Is there any other benefits than the medical provided by the Fund, like dental? A. Yes, the Fund offers Dental Coverage through Florida Combine Life, a Florida Blue company. Check the Health Documents page for information on BlueDental Choice Plus. To find an in-network dentist quickly and easily, visit www.floridabluedental.com/find-a-dentist and select BlueDental Choice Plus as your plan name. Q. Is there a maximum benefit for the dental plan? A. Yes, the Plan Year maximum is $2,500 with coinsurance payable by Florida Blue Dental for covered services at 70%. You pay the remaining 30% of covered services. Orthodontia service for all insured with a lifetime maximum of $1,000. Dental plan year is January 1st through December 31st. You should utilize an in-network dentist to save yourself some money as non-participating dentist may charge more for services which will increase your cost. Q. How do I request a new dental ID card? A. To request a new dental ID card, please contact Benefit Services at (754) 777-7735. Q. Is there any life insurance provided by the Fund? A. Yes, the Fund offers a self-funded Life Benefit and Accidental Death & Dismemberment benefit program for actively working members. There is no benefit available for your spouse or dependents nor if you are a retiree. Q. I'm struggling with an issue, is there any counseling available? A. Yes, the Fund offers a Member Assistance Program through Ulliance. The Life Advisor Member Assistance Program provides assistance to members and their dependents cope with the many personal and work challenges that we all struggle with from time to time. You can read more on the program here . You can call 24/7 at (800) 448-8326 to speak with a counselor who can assist you or log in at lifeadvisor.com Q. I am going to be retiring soon, is there any benefits provided to retirees? A. Yes, the Fund offers a reimbursement for your medical coverage if you worked in the GF, F, R1, R2, R5 , MESJ and MES2 job classifications and for the 72 consecutive month period preceding your retirement worked or had coverage, you may be eligible to receive a Retiree Subsidy payment. For more information on the Retiree Subsidy Benefit, click here . Q. I am going to be turning 65 and am actively working, do I have to sign up for Medicare Part B? A. No, if you are of Medicare age but are actively working and covered under our Fund, you do not have to sign up for Medicare Part B &/or Part D but you must sign up for Medicare Part A. This is also applicable to your spouse, if your spouse is of Medicare age and covered under your health coverage from this Fund, your spouse does not have to sign-up for Medicare Part B &/or Part D. Your spouse does have to sign up for Medicare Part A though. Q. What if I don't complete the Annual Family Statement, what happens? A. If you do not fully complete the Annual Family Statement by the stated due date of November 1st, your health coverage will be suspended and your medical claims will be delayed until you submit the require Annual Family Statement. Q. What if I don't receive the Annual Family Statement in the mail? A. If you do not receive the Annual Family Statement in the mail, you can get a copy of the statement right on this website, under the Health Fund's document tab along as well as on the Health Fund's main tab. To complete it quicker, you can log into your participant portal and complete the form there which is submitted directly to the Benefit Office. At the top of all pages, there is a link to the Participant Portal. Q. I am thinking of retiring, is there something the Fund has to help me navigate the process? A. Yes, the Fund has developed a Retirement Guide which provides you with the information you need to understand the process of retirement and the benefits available to you. You can find an electronic copy on the Health Documents tab or you can contact the Benefit Office to have a copy mailed to you. Q. Does the Fund have a vision benefit? A. Yes, the Fund offers a Vision Benefit Program through EyeMed. Through this vision benefit you can choose the eye doctors and brands you want, you can can save with member-only discounts and extras, annual eye exams and a safety glass benefit for working members in addition to your regular eye glasses. Read more about the benefit here . Q. I have a question on the vision benefits, who do I call? A. For questions about the vision benefits, to locate a in-network provider, etc. you should contact EyeMed's Customer Care Center at (866) 800-5457. They are available Monday - Saturday, from 7:30 am - 11:00 pm EST and Sunday from 11:00 am - 8:00 pm EST. You can also find information on the vision benefit by visiting www.eyemed.com Q. I have lost my vision ID card, what can I do? A. If you have registered your account on eyemed.com you can print a replacement card right from your account. You can also contact EyeMed's Customer Care Center at (866) 800-5457. They are available Monday - Saturday, from 7:30 am - 11:00 pm EST and Sunday from 11:00 am - 8:00 pm EST.