Union Plans
Health Coverage for Union Members
Support That Respects Your Work
Navigating union plans doesn’t have to be hard.
|
If you’re a union member or retiree, you may have access to unique health insurance options tied to your trade, employer, or local union. But understanding eligibility, comparing plans, or coordinating coverage with Medicare or a spouse’s insurance can get complicated. That’s where we come in. We help you make sense of your available benefits, fill in the gaps when needed, and ensure your health coverage actually works for your life and job.
Medical & Hospital Care
Many union plans offer excellent hospital, ER, and inpatient coverage for workers and dependents.
Doctor Visits
Access to general practitioners and specialists, often with low out-of-pocket costs depending on the plan.
Prescription Benefits
Coverage for generic and brand-name medications through union-affiliated pharmacy benefit programs.
Dental & Vision Options
Many unions provide or allow access to add-on benefits for eye and dental care.
Retiree & Medicare Coordination
Help with bridging coverage as you approach retirement or coordinating with
Medicare.
|
We Understand the Union Landscape
Tailored advice from people who listen.
We know every union is different, and so is every contract. That’s why we take the time to understand your local’s rules, your plan administrator’s structure, and how your benefits interact with outside coverage. Whether you’re planning for retirement, reviewing dependents’ eligibility, or supplementing existing benefits, we’ll help you avoid confusion and choose confidently. Our goal is to be the trusted resource union members can call when they need real answers—not more paperwork.
Union Plan FAQs
Can I use union coverage with Medicare?
Yes, but how they work together depends on the structure of your union plan. In some cases, your union coverage becomes secondary to Medicare, and in others, it may supplement or replace it. We’ll help you understand which is primary, how to avoid duplication, and whether you need additional coverage. This ensures you’re fully protected without overpaying or losing key benefits.
What happens to my coverage when I retire?
Some unions offer retiree health coverage, while others require transitioning to Medicare or finding separate insurance. We help you evaluate what your local offers and whether a supplemental or Advantage plan is the right fit. If retiree benefits are available, we’ll explain what’s included and what gaps still need to be filled. Our role is to help you enter retirement with clarity and confidence.
Can my spouse or dependents be covered too?
Most union plans offer family coverage, but eligibility rules and costs vary. We’ll help you confirm who’s covered, what’s included, and whether any additional coverage is needed. If your spouse has their own employer plan, we’ll help you coordinate benefits to avoid overlapping or missing coverage. It’s about making the most of what your union provides.
What if I lose union coverage temporarily?
If you’re between contracts or not meeting hours for eligibility, you may qualify for COBRA, short-term insurance, or ACA marketplace plans. We’ll guide you through what’s available so you’re not left uninsured. Once you’re eligible again, we’ll help you transition smoothly back into your union plan. You won’t have to figure it out alone.
How do I find out what I’m eligible for?
Start by checking with your plan administrator or benefits office—but we’re happy to help interpret what they send you. We’ll explain your Summary of Benefits, check your provider network, and ensure you know what’s available. From there, we can recommend supplemental plans or help with enrollment if needed. You get peace of mind without the fine-print headaches.
