IUOE Local 150
IUOE Local 150
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MOE Benefit Funds
Apprenticeship and Skill Improvement Program
Apprenticeship and Skill Improvement Program
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Contractor Portal
My150
My150

Welcome to the Non-Marketplace Plans for Monthly Members

 

The Midwest Operating Engineers Welfare Fund also provides coverage for our monthly members under the Non-Marketplace health plan options.  Depending on which Collective Bargaining Agreement you fall under, there are a host of benefits available.  If you’re considered a monthly member, your Employer pays your monthly health and welfare coverage and eligibility is month-to-month.  It’s also important that you and your eligible dependents take advantage of the FREE services provided by the Welfare Fund.

The health plan options available to monthly members are broken down into the following categories:

Legacy Plans (these members do not participate in the open enrollment process) include the following plans and will provide coverage for a single member or family:

  • A-3 Non-Bargaining Employees
  • A-5 Municipality Monthly
  • B-1 Monthly (formerly Plantsmen)
  • E-1 Monthly (formerly Landscapers)
  • F-1 Monthly (Staff)

Owner-Operator/Relative Shareholder (Please see question below for available health plan options)

3-tier Municipalities  (Please see question below for available health plan options)

Which Non-Marketplace members participate in the annual open enrollment process?

Owner-Operator/Relative Shareholder and 3-Tier Municipality members are eligible to participate in the annual Open Enrollment process.  Annual Open Enrollment takes place from mid-January through February.  During Open Enrollment, you have the opportunity to select your health plan option. As long as you actively enroll, through your My150 account, into a health plan option, either by selecting Start New Plan or Keep Current Plan, your newly validated dependents will be added to your coverage. If you do not actively select a health plan option and default, you will default into the same health plan option with the same dependents and no newly validated dependents will be added for coverage.

If I am an Owner Operator/Relative Shareholder, what are the health plan options available to me and the cost of each plan?

Owner-Operator/Relative Shareholder  is required to select one of the following health plan options during the annual open enrollment:

In January of each year, you will receive your open enrollment packet which will contain all the information that you will need in order to make an informed health care option decision. You can access the details of your health plan option by logging into your My150 account and click the VIEW PLAN DETAILS button on your current health plan tile.  In addition, you can visit your My150 My LIBRARY tab and click the My HEALTH PLAN DOCUMENTS to access your health plan option Schedule of Benefits.

If I'm in a 3-tier Municipality, what are the health plan options available to me and the cost of each plan?

3-Tier Municipalities are required to select one of the following health plan options and coverage tiers (Single, Member +1, Family) during the annual open enrollment process as discussed below.

  • Municipality Plan A PPO
  • Municipality EPO (modified HMO)

In January of each year, you will receive your open enrollment packet which will contain all the information that you will need in order to make an informed health care option decision. You can access the details of your health plan option by logging into your My150 account and click the VIEW PLAN DETAILS button on your current health plan tile.  In addition, you can visit your My150 My LIBRARY tab and click the My HEALTH PLAN DOCUMENTS to access your health plan option Schedule of Benefits.

Where can I view my Plan details?

You can access the details of your health plan option by logging into your My150 account and click the VIEW PLAN DETAILS button on your current health plan tile.  In addition, you can visit your My150 My LIBRARY tab and click the My HEALTH PLAN DOCUMENTS to access your health plan option Schedule of Benefits.

How do I maintain eligibility under the Welfare Fund and why is it important?

3-tier Municipalities – If you terminate employment and lose coverage under the Welfare Fund, you can elect COBRA Coverage.  You can elect to continue coverage through the plan you are enrolled in, or you can select a lower coverage tier and/or different health plan option.

Owner-Operator/Relative Shareholder – If you terminate employment and lose coverage under the Welfare Fund, you can elect COBRA Coverage.  You can elect to continue coverage through the plan you are enrolled in, or you can select lower costing health plan option.

Legacy Plans (except Plan B) – If you terminate employment and lose coverage under the Welfare Fund, you can elect COBRA Coverage.

Plan B (Formerly Plantsmen) – As a Plan B member, there are a few ways to continue your eligibility under the Welfare Fund.

  1. Self-Payments – You can make up to four consecutive monthly self-payments during each eligibility period. The self-payments will allow you to extend coverage for the four months.
  2. COBRA Coverage – After you make all four self-payments, you will be offered COBRA coverage. The Fund Office will send you a letter regarding the COBRA payments.

Please Note: Under the American Rescue Plan of 2021, the Federal government is subsidizing the cost of COBRA coverage through September 30, 2021; however, there are certain requirements that must be met in order to qualify for the subsidized COBRA coverage.  For more information, please call the COBRA department at (708) 579-6635.

It is extremely important to maintain your eligibility under the Welfare Fund. Also, depending on your age and when you are eligible to retire, this may affect whether you are eligible for the Retiree Welfare Plan (RWP) as you may jeopardize meeting the RWP service requirement for coverage. If you select COBRA coverage, the months covered will be counted towards the RWP service requirements.  Please Note:  Some Legacy Plans and Plan B members do not have access to RWP coverage.  If you have additional RWP eligibility questions, please call the Eligibility & Benefit Services Group at (708) 937-0327.