Building Trades Employers Insurance Fund
Insurance Forms
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BTEIF Health Insurance Plans
Excellus BlueCross BlueShield High Option (CNY region only)
Click here to print plan details.
Hospital Care
- Inpatient benefits below paid-in-full in a member hospital. 80% in non-member hospital.
- Outpatient and diagnostic services paid at 100%.
- 70 consecutive benefit days, including semi-private room and board and general nursing services.
- Intensive care, x-ray and lab services.
- Operating room and recovery room.
- Inpatient hospital pre-certification required.
- Inpatient drugs and medication.
Doctor Care
- Paid-in-full benefits for services performed by participating physicians including surgery, inpatient medical visits, consultations, second surgical opinion, anesthesiology and x-ray/lab, routine cervical screening for cancer and mammogram once per year.
- Age appropriate well child exams & immunizations.
Emergency Care
- Physicians fees for initial treatment paid in full in hospital emergency room or office when physician is participating.
- Initial treatment for accidental injury or medical emergency paid-in-full in participating hospital.
Maternity Care
- Hospital charges paid-in-full including routine nursery charges. (Family contracts only)
- Obstetrical fees paid-in-full with participating doctor.
Mental Health Care
- Outpatient psychiatric paid under Master Medical. Allows $20 per visit with yearly maximum benefit of $1000.
- Alcoholism or substance abuse treatment covered up to 60 outpatient visits per year under hospital benefits.
Additional Benefits
- Prescription drug benefits: generic at greater of $5 or 20% coinsurance/preferred brand name at 30% coinsurance/non-preffered brand name at 50% coinsurance. Includes oral contraceptives.
- Skilled nursing facility covered at the rate of 2 days for each unused hospital day.
- $5000 term life ins. policy on covered employee.
- Dependents to 19th birthday; full-time college students to 25th birthday.
- Durable medical equipment and Physical Therapy covered under Master Medical.
- Ambulance covered under Master Medical when ordered by physician or law officer.
- Chiropractic benefits.
- Master Medical - calendar year deductible $100 per person (3 person maximum). Payment thereafter 80% of first $2000 in a calendar year, then 100% to a maximum of $2,000,000. Maximum out of pocket expense is $500/individual, $1500/family.
Limitations
- 93% of the doctors in the CNY area, and 85% nationally, are participating.
- Waiting period for pre-existing conditions may apply.
Click here to print plan details.