Annual Out-of-Pocket Maximum: The maximum amount you will pay for covered services during a calendar year. Once you reach the maximum, the Plan pays 100% of the cost of covered services for the rest of the year.

COBRA Continuation Coverage: If you lose eligibility for coverage, you can elect to continue group health coverage for up to 18 months by self-paying via COBRA, if you are eligible. Contact the Fund Office for help with COBRA continuation coverage.

Coinsurance: The share you pay for covered services after meeting your deductible. It is generally shown as a percentage.

Copayment: A fixed amount that you pay for a covered health care service. If you have a $20 payment for seeing your primary care provider, this is a copayment.

Coverage Tier: When you enroll in a medical plan, you’ll pick a coverage tier depending on the dependents you wish to cover. There are three coverage tiers:

• Single (covers only you)
• Member + 1 (covers you and one dependent)
• Family (covers you and all of your dependents)

Credits: For each hour of employer contributions received for your work in covered employment, you’ll receive Credits in your HRA Account. You can use Credits to establish or continue eligibility for medical plan coverage and/or to be reimbursed for eligible health care expenses.

Deductible: The amount you must pay out of pocket for covered services before the Plan starts paying for benefits. There are different deductible levels for the different coverage tiers for each medical plan option.

General Account Expenses: The General Account Expenses include administrative costs, stop-loss insurance, long-term disability, life insurance, waiver of premium, and fees that may be associated with the Affordable Care Act. To pay for these expenses, $1.10 will be deducted from each hourly contribution your employer makes on your behalf, so the Plan can continue providing valuable, affordable benefits.

Health Reimbursement Arrangement (HRA): A notional account in which you accrue Credits for hours paid through employer contributions for your work in covered employment. You can use the Credits in your account to establish or continue eligibility for coverage and/or to be reimbursed on a pretax basis for eligible health care expenses.

Initial Credit Allocation: The starting balance of Credits in your HRA provided by the Fund Office to all active members who were covered under the Health Plan for at least one quarter between September 1, 2019 and August 31, 2020.

Notional Account: A type of account that exists for administrative purposes, but does not accrue money. Your HRA is a notional account because you accrue Credits—not money—to establish your eligibility for a medical plan option. In addition, you can use Credits to be reimbursed for eligible health care expenses.