A Schedule of Benefits explains what services are covered, the associated costs like copays, deductibles, and coinsurance, and any limitations or exclusions that are included, to give you an idea of what you’re going to pay for medical treatments and procedures.
Plans’ benefits are subject to eligibility, maximum Plan benefits, reasonable and customary determinations (or negotiated fees for PPO dental services) and any special limits noted in the Plan. Charges that exceed the reasonable and customary amount or other Plan limitations will not be considered eligible in determining Plan benefits. To avoid additional out-of-pocket costs, be sure to utilize in-network providers.
Under the active Welfare Fund, there are numerous health plan options available depending on the Collective Bargaining Agreement (CBA) that you fall under.
Below you can find the details of your specific health plan option. You can also find copies of your Schedule of Benefits and Summary of Benefits & Coverage (SBC) on your My150 account under “My Plan Documents.”
Hourly Members of the MOE Health Plan Marketplace – Each year during the annual open enrollment period, you are able to select your health plan option. These options include Plan A PPO, Platinum PPO, Gold PPO, Silver PPO, EPO Plan, OHC Plan. Each of these health plan options have various fees associated with each Covered Service.
2025-2026 Plan Year Schedule of Benefits:
- Marketplace Operators’ Health Center Plan
- Marketplace Plan A
- Marketplace Platinum Plan
- Marketplace Gold Plan
- Marketplace Silver Plan
- Marketplace Bronze Plan
- Marketplace EPO Plan
2025-2026 Plan Year Summary of Benefits and Coverage (SBC):
Monthly Members which are Municipalities – Each year during the annual open enrollment period, you are able to select your health plan option. These options include Plan A PPO or the EPO Plan. Each health plan option have various fees associated with each Covered Service.
2025-2026 Plan Year Schedule of Benefits:
2025-2026 Plan Year Summary of Benefits and Coverage (SBC):
- Municipalities Plan A
- Municipalities EPO Plan
- Municipalities OHC Plan
Monthly Members which are Owner-Operator or Relatives – Each year during the annual open enrollment period, you are able to select your health plan option. These options include Plan A PPO, Platinum PPO, Gold PPO, Silver PPO, EPO Plan, OHC Plan. Each of these health plan options have various fees associated with each Covered Service.
2025-2026 Plan Year Schedule of Benefits:
- Owner-Operator or Relative Operators’ Health Center Plan
- Owner-Operator or Relative Plan A
- Owner-Operator or Relative Platinum Plan
- Owner-Operator or Relative Gold Plan
- Owner-Operator or Relative Silver Plan
- Owner-Operator or Relative Bronze Plan
- Owner-Operator or Relative EPO Plan
2025-2026 Plan Year Summary of Benefits and Coverage (SBC):
Monthly Members of Legacy Plans – For this group of members, your CBA dictates which health plan option you fall under:
- Plan A-2: City of Chicago
- Plan A-3: Non-Bargaining Employees
- Plan A-5: Municipality
- Plan B: Monthly Plantsmen
- Plan C: COBRA
- Plan E: Monthly Landscapers
- Plan F: Monthly Staff Members
2025-2026 Plan Year Schedule of Benefits-
- Legacy Plan A-2 City of Chicago
- Legacy Plan A-3 Non- Bargaining Employees
- Legacy Plan A-5 Municipality
- Legacy Plan B Monthly Plantsmen
- Legacy Plan C COBRA
- Legacy Plan E Monthly Landscapers
- Legacy Plan F Monthly Staff Members
2025-2026 Plan Year Summary of Benefits and Coverage (SBC)-
Requires any employer who provides group health insurance coverage to employees in Illinois to provide all employees with a list of essential health insurance benefits regulated by the State of Illinois; as well as a comparison of which of those benefits are covered by the insurance plan that is provided by that employer. This also applies to employers whose group health insurance plan is not regulated by the State of Illinois. Employers must provide this information to all employees upon hire, annually, and upon request.
IL DOL Essential Benefits Compared to the Midwest Operating Engineers Welfare Fund Health Plan Options
- IL DOL Essential Benefits vs MOE OHC Plan
- IL DOL Essential Benefits vs MOE Plan A
- IL DOL Essential Benefits vs MOE Platinum Plan
- IL DOL Essential Benefits vs MOE Gold Plan
- IL DOL Essential Benefits vs MOE Silver Plan
- IL DOL Essential Benefits vs MOE Bronze Plan
- IL DOL Essential Benefits vs MOE EPO Plan
- IL DOL Essential Benefits vs MOE Plan B
- IL DOL Essential Benefits vs MOE Plan C
- IL DOL Essential Benefits vs MOE Plan E
- IL DOL Essential Benefits vs MOE Plan F