Healthcare with UFCW
Network Providers
Pay less by using your plan's network providers. Click here and select "Aetna Choice POS II (open access) to find your network provider.
Preferred Hospitals in Anchorage and the Mat-Su Borough
Preferred Preventive Care
Coalition Health Center
Preferred Dentists
Affordable Dental Care
Pay less by using your plan's network providers. Click here and select "Aetna Choice POS II (open access) to find your network provider.
Preferred Hospitals in Anchorage and the Mat-Su Borough
- AK Regional Hospital
- Surgery Center of Anchorage
- Mat-Su Regional Medical Center
- Transcarent (formerly Bridgehealth)
Preferred Preventive Care
Coalition Health Center
Preferred Dentists
Affordable Dental Care
Eligibility
Initial Eligibility
To establish your initial eligibility, you must work and have contributions made on your behalf for at least 90 hours per month for three (3) consecutive calendar months. Coverage begins on the first day of the second month following the month you meet this requirement
Continuing Eligibility
Once you have established your initial eligibility, coverage continues for the second month following the month you had at least 90 reportable hours and the required contributions were made on your behalf.
Eligibility Ends
Your eligibility ends on the earlier of:
• The last day of the calendar month following the calendar month in which you did not work at least 90 hours for which contributions were made.
• The last day of the calendar month in which your employment terminates or your employer stops contributing to the Trust.
Note: Your employment is not considered terminated if you are on an authorized leave (including FMLA and USERRA leaves), participating in a work stoppage, or have been laid off.
Reinstating Eligibility
If you lose eligibility for any reason, and then work at least 90 hours in a calendar month within the next 12 months, you will again become eligible for coverage, starting on the first day of the second month following the month you again work 90 hours.
However, if you do not work at least 90 hours in any month for a consecutive 12-month period you must reestablish your initial eligibility as described above.
To establish your initial eligibility, you must work and have contributions made on your behalf for at least 90 hours per month for three (3) consecutive calendar months. Coverage begins on the first day of the second month following the month you meet this requirement
Continuing Eligibility
Once you have established your initial eligibility, coverage continues for the second month following the month you had at least 90 reportable hours and the required contributions were made on your behalf.
Eligibility Ends
Your eligibility ends on the earlier of:
• The last day of the calendar month following the calendar month in which you did not work at least 90 hours for which contributions were made.
• The last day of the calendar month in which your employment terminates or your employer stops contributing to the Trust.
Note: Your employment is not considered terminated if you are on an authorized leave (including FMLA and USERRA leaves), participating in a work stoppage, or have been laid off.
Reinstating Eligibility
If you lose eligibility for any reason, and then work at least 90 hours in a calendar month within the next 12 months, you will again become eligible for coverage, starting on the first day of the second month following the month you again work 90 hours.
However, if you do not work at least 90 hours in any month for a consecutive 12-month period you must reestablish your initial eligibility as described above.
Want to check your eligibility?
Click here to register or log in to Zenith' s Participant Edge Portal
Click here to register or log in to Zenith' s Participant Edge Portal
Coverage
Your months of eligibility determine which benefits are available to you and your eligible dependents. A month of eligibility, as used in this section, means your initial eligibility month and any months thereafter in which you worked at least 90 hours and the required contribution was paid.
You and your enrolled dependents’ eligibility for benefits is as follows:
Your months of eligibility determine which benefits are available to you and your eligible dependents. A month of eligibility, as used in this section, means your initial eligibility month and any months thereafter in which you worked at least 90 hours and the required contribution was paid.
You and your enrolled dependents’ eligibility for benefits is as follows:
Months of Eligibility |
Benefits |
Who is Covered |
1-24 (1-2 years) |
Medical and Prescription Drug |
|
25-48 (3-4 years) |
Medical, Prescription Drug, Dental, and Vision |
|
49+ (4+ years) |
Medical, Prescription Drug, Dental, and Vision, Life, and AD&D |
|
Important Questions |
Answers |
Why This Matters |
What is the overall deductible? |
250 individual / $500 family |
You must pay all of the costs from provider up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family member meets the overall family deductible |
Are there other deductibles for specific services? |
Yes. $25 individual / $50 family for dental services (waived for preventive care) |
You must pay all costs for these services up to the specific deductible amount before this plan begins to pay for these services |
Are there services covered before you meet your deductible? |
Yes. Preventive care, Coalition Health Center visits, prescription drugs and preventive dental care are covered when services are provided by a preferred provider before you meet your deductible |
This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. |
What is the out-of-pocket limit for this plan? |
Medical: For preferred provider $4,500 individual / $9,000 family. For Non-preferred provider $12,000 individual / $24,000 family |
The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. |
Still have questions?
Call Zenith American Solutions
1-833-942-2315
or
Our Alaska Representative for Zenith American Solutions
Kimberly
907-258-1467
Call Zenith American Solutions
1-833-942-2315
or
Our Alaska Representative for Zenith American Solutions
Kimberly
907-258-1467