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 (CBA) 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.
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:
- Plan A-2: City of Chicago
- Plan A-3: Non-Bargaining Employees
- Plan A-5: Municipality Monthly
- Plan B: Monthly (formerly Plantsmen)
- Plan E: Monthly (formerly Landscapers)
- Plan F: Monthly (Staff)
- Municipalities
- Owner-Operator or Relative
Legacy Plan members do not participate in annual Open Enrollment. As a Legacy Plan member, you have coverage under the health plan designated in your Collective Bargaining Agreement (CBA).
As a Municipality member, you may be given the opportunity during annual Open Enrollment to select a different health plan option and/or coverage tier. Your Collective Bargaining Agreement (CBA) should outline which health plan options are available to you.
Open Enrollment takes place from mid-January through February. Be on the lookout for additional information closer to Open Enrollment.
As an Owner-Operator or Relative, you have the opportunity to select a different health plan option and/or coverage tier during annual Open Enrollment.
Open Enrollment takes place from mid-January through February. Be on the lookout for additional information closer to Open Enrollment.
Owner-Operator or Relatives have seven health plan options to choose from. The chart below outlines the monthly rates by health plan.
You can access the details of your health plan option by logging into your My150 account.
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 or Relative – 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.
- 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.
- 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.
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 at 708-937-0327.