IUOE Local 150
IUOE Local 150
MOE Benefit Funds
MOE Benefit Funds
Apprenticeship and Skill Improvement Program
Apprenticeship and Skill Improvement Program
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Contractor Portal

You and your eligible dependents may receive reimbursement for non-covered, medically necessary, and unreimbursed medical and dental (that are considered deductible medical expenses by the IRS) under the Family Supplemental Benefit (FSB).

To file an FSB claim, you must submit a Family Supplemental Benefit Claim Form along with your itemized bill or your Explanation of Benefits (EOB) form that relates to the claim and your paid receipt.  Your FSB claim must be received by the Fund Office within one year (12 months) of the date the expense is incurred.

Be sure to use a Family Supplemental Benefit Claim Form so that the Fund Office will recognize your claim as being submitted for the FSB.

If you have any questions, please contact Member Services at (708) 579-6600.

What expenses are eligible for reimbursement under FSB?

These expenses will be reimbursed up to the maximum benefit per family per Plan Year as shown on the Schedule of Benefits for your specific plan.  Under the Family Supplemental Benefit there is no deductible and eligible expenses are allowed subject to the Family Supplemental Benefit maximum.

FSB expenses include, but are not limited to the following:

  1. expenses that are over a Plan maximum;
  2. temporomandibular Joint Disorders (TMJ);
  3. orthodontia – Click here for more information on using your FSB for orthodontia services.
  4. Plan benefits payable at 50% other than as a penalty for not following the Plan rules and regulations;
  5. eye exams and prescription eyeglasses or contact lenses;
  6. hearing tests and hearing aids (over the counter hearing aids or amplification devices are NOT reimbursable);
  7. orthodontic expenses in excess of the lifetime orthodontia maximum;
  8. routine physical exams for children over the age of two;
  9. dental benefits in excess of the calendar year maximum benefit; and
  10. medically necessary genetic testing.

What expenses are not reimbursable under FSB?

FSB expenses exclude, but are not limited to the following:

  1. Expenses which are not medically necessary;
  2. deductibles;
  3. copayments;
  4. pharmacy copays;
  5. medicines and drugs that do not require a prescription to purchase;
  6. weight loss programs;
  7. smoking cessation programs;
  8. exercise programs, health club dues or membership fees;
  9. hot tub or jacuzzi;
  10. cosmetic treatments such as teeth bleaching kits or treatments, cosmetic surgery, facials, etc.;
  11. charges that are in excess of reasonable and customary charges;
  12. dental charges in excess of the Maximum Allowable Fees;
  13. group insurance premiums for your spouse’s employer’s health plan;
  14. school expenses, including costs related to special education programs for problem children; or
  15. expenses which are not deductible for federal income tax purposes; or
  16. rebates.