TCU members covered by the Railroad Employees National Health and Welfare Plan (GA-23000) will have the additional option of electing Blue Cross Blue Shield (“Highmark”) as their health insurance provider effective January 1, 2006. If you reside in an existing Managed Medical Care Program (“MMCP”) network area administered by either United Healthcare or Aetna, you may elect Highmark as your provider or you may choose to remain with United Healthcare or The initial election may only be made during the annual Fall open enrollment process. If United, The selection of an insurance carrier to administer MMCP or CHCB plan benefits does not affect medical insurance benefit levels, copays, or deductibles, all of which are negotiated between the participating railroads and rail unions. Choosing an insurance carrier involves selecting which company you want to administer the negotiated benefits. If you are in MMCP, one important consideration is whether or not the doctors and hospitals that you prefer to use are participating in the networks administered by Highmark, United or The annual open enrollment will begin in October 2005 (for the January 1, 2006 effective date), and enrollment kits will include information and instructions on the new Highmark option. |
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