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The PSC-CUNY Welfare Fund provides supplemental health benefits through negotiated employer contributions. Includes coverage for prescription drugs, dental, vision, long-term disability, and more.
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PSC-CUNY WELFARE FUND A Program of Supplemental Health Benefits provided through negotiated employer contributions
Basic andContributory Plans Contributory • Extended LTD • Life Insurance* • Long-Term Care* *NYSUT plans Basic • Prescription Rx • Long-Term Disability • Dental • Vision • Extended Medical • Hearing Aid • Survivor ($2,500)
Prescription Drug The CVS/Caremark program applies to all plan participants who have basic NYC Health Benefits Program coverage, except those who enroll inCIGNA or GHI-HMO and elect the Rx drug benefit rider. Prescriptions may be filled through retail pharmacies (CVS, Duane Reade, Rite Aid, Target, etc.) or mail order. Injectable and Chemotherapy medication is under PICA, a separate, City-administered program with its own Card.
Prescription Drug CVS/Caremark Maintenance Drugs 90-day supply of medication, available at retail (CVS pharmacy only) or mail order Generic Drugs : 20%* coinsurance with a $5.00 minimum Preferred Formulary** Drugs : 20%* coinsurance with a $30.00 minimum Non-preferred Formulary** : 20%* coinsurance with a $60.00 minimum _________________________ * whichever is greater ** CVS/Caremark drug list is available on our website, psccunywf.org
Prescription Drug Retail Pharmacy Acute Care Drugs : up to 30-day supply of medication Generic Drugs : 20%* coinsurance with a $5.00 minimum Preferred Formulary** Drugs : 20%* coinsurance with a $15.00 minimum Non-preferred Formulary** : 20%* coinsurance with a $30.00 minimum * whichever is greater ** CVS/Caremark drug list is available on our website, psccunywf.org
Prescription Drug Rx Stipend Program Some basic health insurance includes Drug Benefit Rider • The PSC-CUNY Welfare Fund provides a stipend to offset the cost of the Rider. • Persons with : CIGNA or GHI-HMO will be automatically enrolled by the Fund Office if “yes” is checked on Health Benefits enrollment form.
Long-Term Disability Standard Life Insurance Co. • Coverage (for Full-Time employees only) after completing one year of service • Begins 1st of month following six consecutive months of total disability • Pays 50% of the pre-disability salary with a minimum of $1,250 monthly and a maximum of $2,500 monthly • Benefits continue to the earlier of five years or age 65
DentalOption A Guardian Life Insurance Co. • Preferred Provider Organization-PPO Network • Participating panel, but may use any dentist • No deductible, annual or lifetime maximum payment • Dental Schedule • each dental service has a scheduled fee • Participating Dentists Charge Reduced Fees • Best Reimbursement is for Preventive work • Child Orthodontia
Dental Option B Delta Care USA • Provides an HMO Panel of Dentists • “Reverse Reimbursement” Schedule • Tells how much you Pay, not what you get back • Cost predictability, if care is used • Low out-of pocket. Most preventive services free • Adult and Child Orthodontia
Extended Medical ASO PSC-CUNY Program Deductible • For those who purchase the Optional Rider through GHI basic. the deductible is $1,000 for individual plan and $2,000 for a family plan; • For those who do not purchase the Optional Rider, the deductible is $4,000 for an individual plan and $8,000 for a family plan Coinsurance • After deductible is met, Welfare Fund Extended Medical pays 60% of R&C not paid by basic GHI • After coinsurance outlays exceed $3,000 for individual or $6,000 for family in a calendar year, Welfare Fund Extended Medical will pay 100% of R & C not paid by GHI
Death Benefit • Limited to Active Employees • Designated beneficiary (listed on the Green Card) is entitled to $2,500
Vision Davis Vision • Benefits available once every 24 months • Plan includes eye exam, frames and most lenses • Davis Vision, Visionworks • "Off Year" benefit for dependent children under 19 • Direct reimbursementPlan • Up to $200 for prescription glasses purchased through a non-participating provider
Hearing Aid • HEARUSA • In-plan Hearing Aid Benefit $750 per ear every 36 months • Guaranteed price discounts on all hearing aids • Loaner hearing aids available when your hearing aids are being serviced • 3-Year Warranty: repair and one-time replacement due to loss or damage • 3-Year supply of batteries • 12-Month interest free financing
Contributory Plans Optional = Member Pays • Enhanced Long Term Disability (Full-time only) • Term Life Insurance (via NYSUT Member Benefits) • Long Term Care Insurance (via NYSUT Member Benefits)
Optional Enhanced Disability Benefit Standard Life Insurance Co. • 60-Day application window after first anniversary of date of hire. Otherwise requires medical questionnnaire. • Disability pay increases from 50% to 60% of the pre-disability salary. • Minimum pay increases from $1,250 to $1,500 monthly and maximum increases from $2,500 to $6,000 monthly • Benefits continue to age 65 • If you are a member of TIAA, TRS, ERS or BOERS Contributions to a TIAA account equal to 10% of pre-disability salary (Minimum of $100 monthly)
Optional Life Insurance New York State United Teachers (NYSUT) Member Benefits Trust-endorsed term life insurance • Term life insurance provided by the NYSUT Trust Fund. • New Full-time employees receive one-year $25,000 term life insurance policy at no cost, with an option to renew. Must be new NYSUT member. • Spouses or domestic partners can be covered • Employees under age 65 may apply for added coverage up to $1,000,000. Physical exam may be required • Policy is portable
How to Contact Your Fund • By Phone (212) 354-5230 or Fax (212)354-5363 • By Our Website, psccunywf.org • Links to Benefit Vendor sites • Summary Plan Descriptions • Applications & Claim Forms • Practical, Useful Benefits Information
We are here for Assistance & Advocacy psccunywf.org (212) 354-5230