Employer Health Program (EHP)

The EHP allows Eligible Association Members, in good standing, to enroll their non-bargained employees and eligible dependents into the Eastern Atlantic Carpenters Health Fund.

Submit Application

Independence Administrators (IA) are the Fund's major medical insurance provider for doctors, hospitals, and specialists. When Participants visit providers who are in-network with Independence Administrators or the local Blue Cross/Blue Shield Plan in your state, the Fund pays the coinsurance percentage of the total IA allowance, leaving the Participant responsible for the their coinsurance portion. Participants are responsible for the coinsurance until they have met their out-of-pocket maximum (OOP). Once an individual or family has reached their OOP Max, the Plan will pay 100% for all further In-Network claims for the duration of the Plan Year (April 1 through March 31).

FIND AN IN-NETWORK PROVIDER

MAJOR MEDICAL COVERAGE

90/10 Coinsurance

Annual Out-of-Pocket Maximums $1,000 individual / $2,000 family
The annual out-of-pocket maximum for In-Network Services through Independence Administrators (IA) and Mental Health Consultants (MHC) are $1,000.00 for an individual and $2,000.00 for a family. Participants are responsible for the coinsurance until they have met their out-of-pocket maximum (OOP). Once an individual or family has reached their OOP Max, the Plan will pay 100% for all further In-Network claims for the duration of the Plan Year (April 1 through March 31).
Labwork covered 100% through LabCorp
Lab Work is covered 100% if processed through LabCorp. If processed through an in-network lab, doctor or hospital, it would be covered under your 90/10 coinsurance plan.
Chiropractic Treatment
52 visits per year at any in-network provider. 10% coinsurance.
Accupuncture Treatment
18 visits per year at any in-netowrk provider. 10% coinsurance.

90/10 Coinsurance Whiteboard Video

PRESCRIPTION COVERAGE

Copay Structure

90-day supplies covered through CVS or Express Scripts Mail Order
Generic Medications: $5 for 30-day / $10 for 90-day supply
Preferred Brand Medications: 25% coinsurance
Preferred Brand Medications have a 25% coinsurance with a max of $75 for 30-day and $150 for 90-day supply
Non-Preferred Brand Medications: 40% coinsurance
Non-Preferred Brand Medications have a 40% coinsurance with no maximum copay

The prescription drug plan through Express Scripts offers low co-pays for generic medication, convenient way to get 90-day prescriptions filled, and a specialty pharmacy for some long term health conditions that require special medicines.

VISIT EXPRESS SCRIPTS WEBSITE

With a Cigna DPPO plan, you have access to a national PPO network with over 100,000 providers. You don't need to choose a primary dentist for care, and you don't need referrals to visit specialists. And since many dentists offer online appointment scheduling through myCigna, it's easy to make appointments and receive reminders.

FIND A CIGNA PROVIDER

CIGNA DENTAL COVERAGE

90/10 Coinsurance

$2,500 Annual Family Allowance
There is a $2,500 Annual Family Allowance for all services (April 1 - March 31). Once the allowance is met, you will be responsible for 100% of all dental services for the remainder of the benefit year
Check-ups Covered 100%
All preventative 6-month cleanings and checkups are covered at 100% (counts against $2,500 annual allowance)
$3,200 Lifetime Orthodontia Allowance
This dental plan also includes a separate lifetime orthodontia allowance of $3,200 per family member

Dental Coverage Explainer Video

VISION BENEFIT

Coverage Summary

Vision Exams Covered at 100%
Annual vision exams are covered 100% for you and your eligible dependents ($40 allowance for out-of-network providers). Plan year runs April 1 through March 31.
$100 Allowance for Eyewear
Frames, Lenses, or Contacts once per year for each eligible family member (same allowance for out-of-network).
Additional $50 Allowance at Visionworks.
A total allowance of $150 for frames and lenses at Visionworks providers (In-network only).
Covered Once Per Year
All eligible Participants can go for exams, lenses, frames, or contacts each Benefit Year (April 1 through March 31).

Davis Vision has been providing comprehensive vision care benefits for over 50 years. Access to better vision begins with having the qualified eye care professionals in our network, which helps us to ensure our members can find cost-effective care, and a variety of styles. Davis Vision has a large national network comprised of over 100,000 facilities, giving you access to live customer service 7 days a week.

VISIT DAVIS VISION WEBSITE

Vision Coverage Explainer Video

Additional Benefits Included

Individual & Family Counseling, Mental & Nervous Conditions, and Substance Abuse Benefits are administered by Mental Health Consultants (MHC). A Coinsurance Plan with an out-of-pocket max combined with your Independence Administrators doctor and hospital coverage.

VirtualCheckup is a $0 Cost fully covered health benefit. Your VirtualCheckup home kit will contain everything you need, including a blood pressure monitor you get to keep. VirtualCheckup also includes a private video consult with one of our Nurse Practitioners to review your results and create a Personal Action Plan.

The Eastern Atlantic States Carpenters Health Fund fully covers the cost of Virta for you and your eligible family members with type 2 diabetes, type 1 diabetes, or prediabetes. Virta is also covered for those with a BMI of 30 or greater who are interested in safe and sustainable weight loss. Because it works.

Don’t wait weeks for an appointment. Teladoc can help you with the flu, infections, anxiety, stress, skin conditions, and provide advice on serious medical conditions. Available at no cost and available by phone, video, or app.

InSure ONE screening kit, a convenient, at-home fecal immunochemical test kit that only requires water-based sampling of one bowel movement. Colorectal cancer screening has never been easier. Covered at 100%

Enrollment is on a First Come, First Serve Basis and Openings are Limited

Submit Application

Employer Health Program FAQs

What is the Employer Health Program (EHP)?

What is the monthly premium for the EHP?

How do I remit the monthly premium to the EAS Carpenters Health Fund?

Do I have to enroll all of our non-bargained employees if we choose to participate in the EHP?

How do I know if our company is eligible to participate in the EHP?

In order to be eligible for the Employer Health Program, your company will need to meet the following requirements:

Association Membership in good standing.
Assigned Bargaining Rights to your Association.
Benefit contribution history or evidence of sufficient capitalization relevant to current and/or projected work level.
Current on Fringe Benefit Contributions with timely payment history.
Must remit benefit contributions via iRemit (premiums due on the 25th of the Month before coverage Month).
Eligible employers must enroll all full-time non-bargaining unit employees, unless employee waives coverage and provides Fund Office with proof of other coverage.
Employer must provide certification/census update on annual basis.

Have more questions? Please feel free to contact the Health Department at 732-417-3900 (option #3) or email ehp@carpenters.fund