If you decide to keep your current Medical and Dental plans, no action is required on your part. You and your enrolled dependents will remain covered according to your existing plan choices.
Open Enrollment packets were mailed the last week of October 2019 to all eligible participants.
For 2020, the Southwest Carpenters Health and Welfare Trust is offering the same comprehensive medical, dental, prescription and vision plans as 2019 with the same coverage and deductible amounts.
Plan Options for medical and dental vary by state and bargaining agreement. Click on your state of residence on the left navigation panel to learn more.
Changes must be received by Trust Fund Office no later than November 22, 2019.
Review the information mailed to your address which includes information about Open Enrollment. Even if you do not wish to make any plan changes, the materials include important “Tips and Tools” to help you maximize the benefits under the plans year-round. It is important to understand how your plans work so that you can make good decisions about your plan choices and how you access care.
Even if you don’t change your plan, be sure your dependent information is correct. Open Enrollment is your opportunity to add or remove dependent(s) from your health plans. You can also make dependent changes year-round if you have a change in family status (e.g. marriage, divorce, newborn, etc.). You can review your dependent information by visitingMemberXG.
When adding dependent(s), the Trust Fund will require a copy of the certified birth certificate or marriage certificate and a copy of the first and signature pages of your most recent tax return to enroll your spouse.
If you wish to enroll in a plan other than the one you are currently enrolled in, or if you are eligible, but never enrolled and wish to enroll now, you must complete and return the correct Plan enrollment form(s) to the Trust Fund Office by November 22, 2019. Enrollment forms were included in the Open Enrollment packet mailed to your address. However, you may also find the correct enrollment forms by your state of residence in the menu on the left.
A return envelope was enclosed in the packet sent to your address for your convenience. You may also email your completed forms to: HWEnrollment@carpenterssw.org.
If you are considering changing your medical or dental plan, be sure you read the materials to understand the differences between the plans and what providers are available in your state of residence.
For assistance with plan eligibility, enrolling or making dependent(s) change, or understanding how a plan works, contact Southwest Carpenters Trust Fund Office as noted below.
To Determine if a specific provider is participating in a Plan’s Network or if specific services are covered, contact the Customer Service team for the specific plan (e.g. Anthem) as noted below.
The Bronze Plan is offered in specific agreements to apprentices at levels 1 and 2 who were indentured after 7/1/2018 or Stocker/Scrappers and Craft Assistants hired after 7/1/18 and provides coverage to eligible participants only.
Participants working in Colorado under the Drywall Agreement may have an option to choose the Bronze or Gold Plan at Open Enrollment subject to certain conditions.
Participants working in New Mexico/West Texas under the Drywall Agreement may have an option to choose the Bronze or Gold Plan at Open Enrollment subject to certain conditions.
UnitedHealthcare DC Copayment Plan
or
UnitedHealthcare DPPO
Vision
UnitedHealthcare Vision
No enrollment form is required
Bronze Plan (Includes Prescription Coverage)
The Bronze Plan is provided in specific agreements or to apprentices at levels 1, 2 and 3 who were indentured after 7/1/2018 and provides coverage to eligible participants only.
Participants working in Utah under the Drywall Agreement may have an option to choose the Bronze or Gold Plan at Open Enrollment subject to certain conditions.
Eligible participants working under the Drywall Agreement who have worked at least 1380 hours prior to June 30, 2019 may choose the Gold Plan at Open Enrollment. Changing from the Bronze Plan to the Gold Plan at Open Enrollment may result in a decrease in your hourly wage of up to $4.00 per hour.
Bronze Option
Available To: Journeyman, Apprentice (all levels)
Bronze Option Plan Rules:
Eligible participants working under the Drywall Agreement who are eligible for the Gold Plan option may choose the Bronze Plan Option at Open Enrollment. Changing from the Gold Plan to the Bronze Plan at Open Enrollment may result in an increase in your hourly wage of up to $4.00 per hour. The Bronze Plan covers only the participant. Coverage for a spouse and/or dependent(s) requires an additional monthly self-payment.
Gold Option
Available To: Journeyman, Apprentice 3-9
Bronze Option
Available To: Journeyman, Apprentice (all levels)
Gold/Bronze Option Plan Rules:
Eligible participants working under the Commercial Agreement who are eligible for the Gold or Bronze Plan options are eligible to change at Open Enrollment unless they are a 1st or 2nd period apprentice. Changing your plan at Open Enrollment may result in an increase, if you choose the Bronze Plan, or decrease, if you choose the Gold Plan, in your hourly wage of up to $4.00 per hour. The Gold Plan includes Medical, Prescription, Dental and Vision coverage for the participant and all dependents. The Bronze Plan covers only the participant. Coverage for a spouse and/or dependent(s) under the Bronze Plan requires an additional monthly self-payment.
Gold Option
Available To: Journeyman, Apprentice 3-9.
Bronze Option
Available To: Apprentice 1, Apprentice 2
Gold/Bronze Option Plan Rules:
Under the Heavy Highway Agreement all eligible participants receive employer contributions at the Gold Plan Rates except for 1st and 2nd period apprentices.
Gold Option
Available To: Journeyman, Apprentice 3-9.
Bronze Option
Available To: Apprentice 1, Apprentice 2
Gold/Bronze Option Plan Rules:
Under the Millwright Agreement, all eligible participants receive employer contributions at the Gold Plan Rates except for 1st and 2nd period apprentices.
×
Gold/Bronze Plan Options
Gold Option
Available To: Journeyman, Apprentices
Gold Option Plan Rules:
Eligible participants working under the Drywall Agreement who have worked at least 1380 hours prior to June 30, 2019 may choose the Gold Plan at Open Enrollment. Changing from the Bronze Plan to the Gold Plan at Open Enrollment may result in a decrease in your hourly wage of up to $4.00 per hour.
Bronze Option
Available To: Journeyman, Apprentices
Bronze Option Plan Rules:
Eligible participants working under the Drywall Agreement who are eligible for the Gold Plan option may choose the Bronze Plan Option at Open Enrollment. Changing from the Gold Plan to the Bronze Plan at Open Enrollment may result in an increase in your hourly wage of up to $4.00 per hour. The Bronze Plan covers only the participant. Coverage for a spouse and/or dependent(s) requires an additional monthly self-payment.
Gold Option
Available To: Journeyman, Apprentices
Gold Option Plan Rules:
Under the Buildng, Heavy Highway or Millwright Agreements, all eligible participants receive employer contributions at the Gold Plan Rates.
×
Gold/Bronze Plan Options
Gold Option
Available To: Journeyman, Apprentice (all levels)
Gold Option Plan Rules:
Eligible participants working under the Drywall Agreement who have worked at least 1380 hours prior to June 30, 2019 may choose the Gold Plan at Open Enrollment. Changing from the Bronze Plan to the Gold Plan at Open Enrollment may result in a decrease in your hourly wage of up to $4.00 per hour.
Bronze Option
Available To: Journeyman, Apprentice (all levels)
Bronze Option Plan Rules:
Eligible participants working under the Drywall Agreement who are eligible for the Gold Plan option may choose the Bronze Plan Option at Open Enrollment. Changing from the Gold Plan to the Bronze Plan at Open Enrollment may result in an increase in your hourly wage of up to $4.00 per hour. The Bronze Plan covers only the participant. Coverage for a spouse and/or dependent(s) requires an additional monthly self-payment.
Gold Option
Available To: Journeyman, Apprentice (all levels)
Gold Option Plan Rules:
For Commercial Carpenter work all eligible participants receive employer contributions at the Gold Plan Rates.
Gold Option
Available To: Journeyman, Apprentice 3-9
Bronze Option
Available To: Apprentice 1, Apprentice 2
Gold/Bronze Option Plan Rules:
Under the Millwright Agreement, all eligible participants receive employer contributions at the Gold Plan Rates except for 1st and 2nd period apprentices.
×
Gold/Bronze Plan Options
Gold Option
Available To: Journeymen, Apprentices
Gold Option Plan Rules:
Eligible participants working under the Drywall Agreement who have worked at least 1380 hours prior to June 30, 2019 may choose the Gold Plan at Open Enrollment. Changing from the Bronze Plan to the Gold Plan at Open Enrollment may result in a decrease in your hourly wage of up to $4.00 per hour.
Bronze Option
Available To: Journeymen, Apprentices
Bronze Option Plan Rules:
Eligible participants working under the Drywall Agreement who are eligible for the Gold Plan option may choose the Bronze Plan Option at Open Enrollment. Changing from the Gold Plan to the Bronze Plan at Open Enrollment may result in an increase in your hourly wage of up to $4.00 per hour. The Bronze Plan covers only the participant. Coverage for a spouse and/or dependents requires an additional monthly self payment.
Gold Option
Available To: Journeymen, Apprentices
Gold Option Plan Rules:
Under the Building, Heavy Highway or Millwright Agreements, all eligible participants receive employer contributions at the Gold Plan Rates.
