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Health and Welfare

Midwest Operating Engineers Fringe Benefits Fund (MOE)  
The Midwest Operating Engineers Fringe Benefit Funds administers the Pension, Health and Welfare, Vacation and Apprenticeship Funds.
 
Currently, the Fringe Benefit Fund Office serves approximately 7,600 pensioners, processes about 480,000 medical or dental claims per year, and fills about 360,000 prescriptions per year.
 
General Contact information
 
Midwest Operating Engineers Fringe Benefits Funds
6150 Joliet Road
Countryside, IL 60525
 
Main Phone Number: 708-482-7300
Eligibility/Plan Coverage 708-579-6600
Health and Welfare Plan Benefits (Claims) 708-579-6600
Pension Benefits 708-579-6640 (phone)
708-354-7732 (fax)
 
Midwest Benefit Pharmacy
Hours of Operation
Monday, Tuesday, Wednesday and Friday 8 am – 6 pm
Thursday 8 am – 7 pm
Saturday 8 am – 12 pm
Sunday CLOSED
 
Pharmacy Customer Service Hours 8 am – 5 pm
Toll Free Telephone 1-800-323-3060
Pharmacy Fax (24 hours) 708-354-2642
24/7 Automated Prescription Refill Line 1-866-850-9310
Pharmacy General Questions 708-579-6610
MOE Pharmacy Physician Fax Line 708-354-2642
 
Please Note: As of March 1, 2006, new prescriptions faxed by patient for pickup are no longer accepted. You must drop off the original and wait for the prescriptions to be filled or have it mailed.
 
If your doctor faxes in a prescription and you want to pick it up, PLEASE CALL customer service and let them know before coming to the pharmacy.
 
Health and Welfare
The Midwest Operating Engineers Local 150 Health and Welfare Fund provides access to high-quality healthcare for Local 150 members and their families. Coverage is funded by hourly contributions from employers who are signed to collective bargaining agreements with Local 150. The vast majority of Local 150 members work under agreements that provide healthcare through the MOE Local 150 Health and Welfare Fund, but workers in some industries are offered healthcare through their employer.
Benefits provided under the Plan are continually monitored to provide members and their families the most comprehensive, affordable and easily-accessible healthcare available.
Among the benefits provided by the Fund are:
 
Medical
Participants can visit any doctor or hospital. However, the Plan offers a Preferred Provider Organization (PPO) network of doctors and hospitals through BCBS. You can save money by using a network provider because network providers have agreed to charge negotiated rates. If you go to a network provider, the Plan pays a higher percentage of a lower amount than if you go to a non-network provider. If you use a non-network provider, the Plan pays a percentage of the reasonable and customary amount.
 
For more information on medical benefits, please click here http://go.segalco.com/moe/documents/plan_document_schedulebenefits.pdf
 
Dental
The Plan covers dental expenses. While you can visit any dentist, the Plan offers a Preferred Provider Organization (PPO) network of dentists through DentalGuard Preferred Select Network. You can save money by using a network dentist because network dentists have agreed to charge negotiated rates. If you go to a non-network dentist, the Plan pays benefits up to a scheduled amount. The Plan pays the scheduled amount for eligible dental expenses, up to $1,000 per person each calendar year (orthodontia has a different maximum).
 
The Fund’s Dental Plan has a $1,000 calendar year maximum benefit and payment is based on a fee schedule, called the Maximum Allowable Charge Table, which sets maximum fees for services. Network dentists have agreed to accept the fee schedule as payment in full. Non-network dentists can charge you more than the fee maximum and you would have to pay the additional amount to the dentist since it is not covered under the Plan.
 
For more information on dental coverage, please click here. http://www.moefunds.com/Site%20Document%20Library/plan_d.pdf
 
Prescription Drug
 
The MOE Prescription Drug Program helps cover the cost of prescription medication for you and your family up to a per person maximum each calendar year. You are required to make a copayment for each prescription and the Fund pays the balance of the cost of the medication.
 
If you are taking a generic medication, your copayment is $5 per 30-day supply. If you are taking a brand-name medication that has no generic equivalent, your co-payment is $10 per 30-day supply.
 
To receive this benefit, you must use the MOE Pharmacy. If you are unable to visit the MOE Pharmacy in an emergency, you may use any Caremark network pharmacy. Simply present your local pharmacist with your card and you will be able to receive emergency medication (up to a 15-day supply) at a copayment equal to 20% of the cost of your prescription. Remember, your maintenance medication is only covered at the MOE Pharmacy.
 
Family Supplemental Benefit
 
Participants and eligible dependents may be reimbursed up to $1,500 each calendar year for medically necessary services that are not covered under the Plan. You must submit all paid receipts, itemized bills, and Explanation of Benefits (EOBs) for the expenses with a Family Supplemental Benefit Claim form no later than one year from date of service. The $1,500 maximum is for the family.
 
For additional information on what is covered under this benefit, click here.
 
Disability (for active employees in Plan A only)
 
If you are an active employee covered under the Fund and are unable to work due to a non-occupational illness or injury for more than eight consecutive days, you may receive up to $250 a week from the Plan. To submit a claim, complete the Member’s Disability Benefit Application form (24K, PDF) and return it to the Fund Office.
 
For more information, click here.
 
Death (for active employees in Plan A only)
 
If you are an active employee covered under the Fund, the Plan provides a death benefit to your beneficiary if you die or to you if one of your dependents dies. Be sure your beneficiary designation is up-to-date. To change your beneficiary, complete the Beneficiary Designation form (81K, PDF) and return it to the Fund Office. If you need to make a claim, call the Fund Office.
 
For more information, click here.
 
Accidental Dismemberment (for active employees in Plan A only)
If you are an active employee covered under the Fund, the Plan pays you $1,000 to $5,000 if you are seriously injured in an accident. The amount depends on the severity of the accidental loss. Call the Fund Office if you need to make a claim.
 
For more information on the accidental dismemberment benefit, click here.
 
To learn more about the wide range of coverage provided by the MOE Local 150 Health and Welfare Fund, call (708) 579-6600 or visit their website http://www.moefunds.com/Pages/HealthandWelfareFund.aspx
© 2010 LOCAL 150. All rights reserved.