Health & Welfare Update

The Indiana/Kentucky/Ohio Regional Council of Carpenters has two Health & Welfare Funds, one for Indiana/Kentucky and another for Ohio. Both Funds are healthy with growing net reserves.

As of June 30th, 2021, the Ohio Plan’s net reserves are at seven months of reserves, up from five months last year. Net reserves are monies in the fund, which have no obligation against it and are used to pay our healthcare costs and fund expenses. The Indiana/Kentucky fund as of June 30, 2021 has 9.9 months of net reserves, up from 9.1 last year (a month of net reserves is equal to the average cost of healthcare expenses for one month). Both funds are operating well and expect continued growth of net reserves.

Effective September 1, 2021 the trustees of both funds were pleased to announce, that regardless of the amount of contributions received, all apprentices will be credited for all hours s/he attends school to receive training required by a training program affiliated with the United Brotherhood of Carpenters and Joiners of America. The apprentice shall be credited with an amount equal to the actual number of hours the apprentice attends school per week.

The Indiana/Kentucky fund’s Board of Trustees is pleased to announce that effective September 1, 2021, it has reduced its bank threshold (point at which monthly contributions received above required premium are allocated to participant’s bank) from $200 to $150. The ability to do this is a direct result of improving net reserves.

The UBC continues to work to provide the best prescription drug program available in the marketplace. Currently, the IKORCC and Ohio Health plans participate in a pharmacy benefit program negotiated on a national basis with Express Scripts, known as Level Care Pharmacy Program. This program covers over 30 participating Carpenter Funds throughout the country. In early 2021, after many months of review, analysis and negotiation, a new five-year agreement was finalized covering mail order, retail, and specialty drugs. The program is projected to save over $362 million over these 5 years for the participating Carpenters Funds, with over $40 million in projected savings for the IKORCC and Ohio plans.

COVID-19 Testing Info

COVID-19 testing is covered under Ohio and IN/KY/OH health plans. Please remember to show your insurance card when getting a COVID-19 test.

If you are eligible for insurance in the Ohio or IKORCC health plan and get a COVID-19 test without showing your insurance card and pay out of pocket, here are the steps to take to get reimbursed.

1. Fill out this form: ANTHEM CLAIM FORM

2. Send in the form along with a copy of the receipt. The receipt should include the date, amount paid, type of test, provider name and provider address. It cannot be just a cash receipt.

3. Mail claim form to:
Anthem Blue Cross & Blue Shield
PO Box 105187
Atlanta, GA 30348-5187


Read more about our benefits here.

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