Early Season 2025
BENEFITS TOOLBOX
A Publication of the New York City District Council of Carpenters Benefit Funds
YOUR HEALTH COVERAGE DEDUCTIBLE: 4 THINGS TO KNOW As we begin a new year, the NYCDCC Welfare Fund would like to highlight important terms and details about your health coverage. This article reviews how your deductibles work. Be sure to review our various publications, our website, and our social media pages to learn more about your benefits. Remember, we are here to help you and your dependents make informed, proactive decisions concerning your health. What is a deductible? A “deductible” is the dollar amount you must pay each calendar year before your plan pays benefits for covered services. In other words, it is the out-of-pocket amount you owe for health care services before your coverage takes effect. What is my deductible as an NYCDCC member? You have an In-Network Deductible and an Out-of-Network Deductible with Independence Administrators (“IA”). There are also deductibles for individuals as well as for families. Your deductibles as an eligible active NYCDCC member are as follows: In-Network: $200 per person or $500 per family // Out-of-Network: $750 per person or $1,875 per family Your deductibles as a pre-Medicare NYCDCC retiree are as follows: In-Network: $250 per person or $625 per family // Out-of-Network: $750 per person or $1,875 per family When does my deductible reset? Deductibles reset each year on January 1. Once you meet your deductible, you may be able to lower your out-of-pocket costs and save money on services that require coinsurance. The Fund Office encourages you to maximize your benefits, especially once you have met your deductible. How can I learn more about my deductibles? To learn more about your specific deductibles, check your Summary Plan Description or Summary of Benefits and Coverage. Information for Active and pre-Medicare-eligible retirees can be found under IA, while information for Medicare-eligible retirees can be found under UnitedHealthcare (“UHC”). Active and pre-Medicare eligible retirees can contact IA by calling (833) 242-3330. Medicare-eligible retirees can contact UHC by calling (888) 736-7441.
Benefits Toolbox / Early Season 2025