UURWA

How retiree health insurance works for union members

Many union members and retirees with Original Medicare (Part A and Part B) coverage are looking for additional insurance to help limit out-of-pocket costs.
 

Union Plus has partnered with eHealth, a licensed health insurance agency  to help you navigate your Medicare Plan options and choose the right Medicare plan for you and your spouse, based on your budget and needs. eHealth can provide information about many different insurance companies and Medicare plans at no additional cost to you with no obligation to enroll. 

Union members, retirees and their families can now easily search and shop for Medicare plans using eHealth’s recommendation tool or by speaking to an eHealth licensed insurance agent. You have the option to find plans in your area online, compare plans and select one based on monthly premium, annual deductible, as well as copayments and coinsurance for various services.

Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare approved Part D sponsor. Enrollment in the plan depends on the plan's contract renewal with Medicare.

Enrollment in the plan depends on the plan’s contract renewal with Medicare. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. You do not need to be an AARP member to enroll.

AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals. AARP does not employ or endorse agents, producers or brokers.

Nondiscrimination Notice
The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan’s nondiscrimination policy, please select the applicable insurance carrier below.

• Aetna Nondiscrimination Notice 

• Humana Nondiscrimination Notice 

• UnitedHealthcare Nondiscrimination Notice 

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
 

Humana
Humana is a Medicare Advantage (HMO, PPO and PFFS) organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the [state] Medicaid program. Enrollment in this Humana plan depends on contract renewal.

Humana - Plan Formulary may change at any time. You will receive notice when necessary.

Aetna
MAPD and PDP Products
Aetna Medicare is a PDP, HMO, PPO plan with a Medicare contract. Our SNPs also have contracts with State Medicaid programs. Enrollment in our plans depends on contract renewal.

UnitedHealthcare for AARP®
UnitedHealthcare® Medicare Advantage Plans
Special Needs Plans
MAPD-PPO/HMO/PFFS MAPD-PPO/HMO Products
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

UnitedHealthcare
The Villages MedicareComplete is insured through UnitedHealthcare Insurance Company or one of its affiliated companies (UnitedHealthcare), a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan's contract renewal with Medicare.

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan's contract renewal with Medicare.

UnitedHealthCare for AARP Medicare Rx Walgreens Plans
and UnitedHealthCare for AARP® Medicare Rx Plans
PDP Products
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

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VSP Vision Care is committed to the well-being of over 88 million members worldwide, delivering greater access to high-quality and cost-effective eye care.

¹Comparison based on national average for comprehensive eye exams and most commonly purchased brands. This number represents typical savings for VSP members when they see a VSP network doctor.

²Extra $20 to spend is in addition to your allowance. Check your frame coverage section in My Benefits at vsp.com to see if this offer applies.

VSP is a registered trademark, and the VSP Individual Vision Plans logo is a trademark of Vision Service Plan.

Careington Dental Discount Plans is one of the largest national dental networks in the health industry, providing more than 15 million members with access to discounted dental products and services.

THIS PLAN IS NOT INSURANCE  and is not intended to replace health insurance.  

This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. 
 
This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at  Union Plus Discount Dental Plan. 

A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380. 
 
This plan is not available in Vermont or Washington. 

Union Plus has partnered with WellCardRx to give union members and their families access to huge savings on the brand name and generic prescription drugs they need. 

This is Not Insurance. It is a discount medical program. It does not replace COBRA or any other medical insurance program nor is it a Medicare Part D prescription drug plan. Cardholders are responsible for paying the discounted cost at the time of service from participating providers. The DMPO does make available a list of all program providers which includes their name, city and state, and medical specialty prior to purchase, upon request. WellCardRx is FREE. The discount plan organization is Access One Consumer Health, Inc., (not affiliated with AccessOne Medcard), 84 Villa Road, Greenville, SC, 29615, www.accessonedmpo.com. 

This program is not available to residents of Montana, but may be used at participating Montana providers. Other state residents: visit www.WellCardRx.com/UnionPlus for full disclosure. 

Please note: 

• Discount cannot be applied at the rental counter; it must be applied at the time of the online or over-the-phone reservation. 

• Discount cannot be combined with any other discounted rate or promotional offer. 

• Discount applies to truck rental only. Taxes, surcharges, refueling, moving supplies and optional items are extra. 

* Discounts are valid for interstate moving services provided by northAmerican Van Lines. Void if members contact northAmerican Van Lines directly without qualifying for member discounts through the dedicated Union Plus member portal. Discounts cannot be combined with any other savings or coupon offer.

**Per diem is only paid on shipments weighing 5,000 pounds or more.

Union members can earn significant cash back rewards after closing when you use one of SIRVA’s referred real estate agents to buy or sell your home.

*Certain state restrictions apply to the real estate cash back program. To qualify for cash back reward (in cash back states), you must use a SIRVA-referred real estate agent. Program designed as a referral service to provide you the opportunity to select a real estate agent to meet your needs. You must evaluate the brokers, agents and their services and make selections and decisions based upon your best judgment, interest, priorities and concerns. Call 800-284-9756 or visit www.UP-RealEstateRewards.com for important program details and state restrictions. 

The minimum home value required for cash back or reduced commission is $75,000. There is  no monetary reward  for members, who use the program to buy a home, in non-cash back states. You must use a program-referred real estate agent in order to qualify for the cash back reward. 

**Based on total cash awarded from 1/1/19 to 12/31/19. 

SIRVA is an independent provider of services. Union Plus is not affiliated with SIRVA and does not manage SIRVA or its programs.  SIRVA is paying Union Plus for advertising services including dissemination of information about SIRVA and its programs to participating unions and their members as well as participation in Union Plus events and programs.   

No referral, recommendation, service representation or exclusivity requirement is intended by the Union Plus’s mention or dissemination of the SIRVA name and delivery of this information to participating union members. 

It is important that you evaluate the information provided and make decisions based upon your own best interest, priorities, and concerns. 

How the Union Plus Scholarship Program works 

Eligibility 

Current and retired members of participating unions, their spouses and their dependent children (as defined by IRS regulations). At least one year of continuous union membership by the applicant, applicant's spouse or parent (if applicant is a dependent). The one-year membership minimum must be satisfied by May 31 of the scholarship year. See more details on eligibility in the tab below. 

Evaluation Criteria 

This is a competitive scholarship. Applicants are evaluated according to academic ability, social awareness, financial need and appreciation of labor. A GPA of 3.0 or higher is recommended. The required essays can account for up to half your total score. Scholarship applicants are judged by a committee of impartial post-secondary educators 

Application Timeline 

Applications are available starting in mid-June, and a complete application must be received on or before 12:00 p.m. (Noon) Eastern Standard Time on January 31st of the scholarship year. Applications received after this deadline will not be considered. 

Scholarship Award Amounts 

Amounts range from $500 to $4,000. These one-time cash awards are for study beginning in the Fall of 2021. Students may re-apply each year.

Isaiah's Award

Isaiah's Award was created to honor the exceptional life of Isaiah C., a beloved child, fostered and adopted by a current, long-time employee of Union Plus.  Isaiah was a smart, talented, spiritual, generous and kind young man. It is our wish that his gentle spirit live on, in part, through this namesake scholarship.

Applicants for Isaiah's Award must have a special connection to the foster care system, and will be asked in their application to describe their personal, employment, volunteer experiences, or career goals related to the foster care system. 

Award Date 

The Scholarship Committee will determine recipients of scholarship awards by May 31 each year. During the first week of June award recipients will be individually notified by mail, and all applicants will be sent an email with notification that the award list is posted.  Please note that due to the volume of applications we cannot provide any information on the status of an application before award announcements are made. 

Outstanding Scholarship Recipients 

The students selected for university, college, trade or technical school scholarships represent a wide sampling of backgrounds, union affiliations, goals and accomplishments. The selection process is very competitive since we receive over thousands of applications each year. 

The Union Plus Education Foundation 

The Union Plus Education Foundation has awarded more than $4.8 million in scholarships to students of union families. Over 3,200 union families have benefited from our commitment to higher education. 

With the help of donations from union supporters, the Foundation can help even more union families attain their education goals. Learn more about the  Union Plus Education Foundation. 

To receive mobile text alerts about education-related deadlines and information, text STUDENT to 22555* 

*Msg&Data Rates May Apply. Reply STOP to opt-out. We'll txt you approx. 1x/mo. Terms & Conditions/Privacy Policy. Reply HELP or contact help@unionplus.org for help. 

The name you trust, the wireless service you need with the discounts union members deserve.

AT&T SIGNATURE PROGRAM DISCOUNTS: Available to qualified employees, students & other authorized individuals associated with eligible companies, universities & other sponsoring organizations with a qualifying service agreement (Business Agreement). Must validate eligible online or provide valid employee badge/paystub, student ID, or other approved proof of eligibility in authorized retail store & subscribe to service under an individual responsibility account for which the qualifying individual is personally liable. Discount subject to Business Agreement & may be interrupted, changed, or discontinued without notice. Additional restrictions apply. Credits/Discounts: Start w/in 2 bill cycles after service activation & eligibility confirmed. Applied after application of any available credit. Service discount: Req’s AT&T Unlimited Elite plan. $10 discount applied after the application of any available Autopay, paperless bill, only on phone lines 1 – 5. Any additional phone lines added over 5 and up to max of 10 reduces all phone line (including lines 1-5) discounts to $5/mo. per phone line. May not be stackable w/other offers, credits or discounts. Exclusions: Military, Veterans, First Responders, Massachusetts Public Sector Employees, AT&T employees, FirstNet Customers, EMO, IMO and FirstNet customers. May not be combinable with other select offers or promotions.

AT&T UNLIMITED ELITE SM PLAN: All AT&T wireless services subject to terms and conditions in the Wireless Customer Agreement (att.com/wca). Advertised monthly price includes monthly plan charge for talk, text and data & monthly per-line smartphone access charge for access to such services. Other Device Monthly Charges: ($20 per tablet, camera, or connected car; $25 per Harman Spark; $10 per wearable. OTHER RESTRICTIONS & FEES: Activation/upgrade fee per line (up to $45) & deposit may apply. AutoPay & Paperless Bill Discount: Monthly discount $10 per phone line when active & enrolled in both. AT&T employees, retirees & IMO consumers are not eligible for the AutoPay and Paperless bill discount. Discount starts w/in 2 bill cycles. Pay full plan cost until discount starts. UNLIMITED DATA: For use in the United States (the “Domestic Coverage Area” or “DCA”), Mexico and Canada. DATA RESTRICTIONS: After 100 GB of data usage on a line in a bill cycle, for the remainder of the cycle AT&T may temporarily slow data speeds on that line if the network is busy. 2G Off net data speeds may apply. All AT&T service is subject to AT&T network management policies. See att.com/broadbandinfo for details. 5G SERVICE: Requires a compatible 5G device. 5G service is not available everywhere. See att.com/5Gforyou for details. VIDEO STREAMING: Includes Stream Saver feature which allows you to stream higher definition video in Standard Definition on compatible devices (unless video provider has opted out). Stream Saver will not recognize all video content. Ability to stream and video resolution may vary and be affected by other factors. To enjoy access to High Definition video on compatible devices and when available, you can turn it off or back on at any time at att.com/myatt or call 611. Restrictions apply. Details at att.com/streamsaver. MOBILE HOTSPOT: Requires compatible device. Includes up to 30GB per line per month. After 30GB, mobile hotspot speed slowed to max of 128Kbps for the rest of bill cycle except Connected Cars (in car Wi-Fi/vehicle wi-fi hotspots). After this, mobile hotspot data usage, including Sponsored Data, will be impacted and not fully functional. ADVANCED MOBILE SECURITY: Compatible device required. You must download the AT&T Mobile Security app and AT&T Call Protect app and accept the terms and conditions for each before the services will go into effect. Data rates may apply. Details at www.att.com/securitycallprotect. UNLIMITED TALK: Phones only. Includes calls w/in and between DCA, Mexico & Canada. You may be charged for calls to special or premium service numbers and calls to other countries. For rates, see att.com/worldconnect. UNLIMITED TEXT: Compatible phone and rate plan required. Includes unlimited messages up to 1MB in size within and from DCA, Mexico and Canada. For texting to other countries, see att.com/text2world. Messages sent through applications may incur data or other charges. Advanced Messaging: Not available for use in Mexico and Canada. Other restrictions apply & can be found at att.com/advancedmessaging. LIMITS: Select devices only (sold separately). Max 10 devices/plan. AT&T Wireless Internet, select Wireless Home Phone devices, dedicated mobile hotspot devices, and select laptop air cards are not eligible for these plans. These plans may not be eligible for additional discounts, including but not limited to Signature discounts. AT&T employees & retirees may not be eligible for certain benefits, offers, and discounts associated with these plans. ADDITIONAL MONTHLY FEES & TAXES: Apply per line & include Regulatory Cost Recovery Fee (up to $1.50), Administrative Fee ($1.99) & other fees which are not government-required surcharges as well as taxes.

Additional one-time Fees may apply. See att.com/mobilityfees for more details.

HBO MAX: Access HBO Max through HBO Max app on compatible device (sold separately) or on hbomax.com using compatible browser with your AT&T log-in credentials. Data rates may apply for app download/usage. New AT&T customers: visit att.com/myatt to create your account and obtain log-in credentials. Use of HBO Max is subject to its own terms and conditions, see hbomax.com/terms-of-use for details. If you have residential DIRECTV (excluding Puerto Rico), AT&T TV, U-Verse TV or AT&T TV NOW, HBO channels and HBO On Demand will also be added on that TV platform. May be billed and then credited (excluding PREMIER package on AT&T TV and AT&T TV NOW) on that TV platform within 2 bills. Programming and content subj. to change and benefit may be modified, discontinued or terminated at any time without notice. LOST ELIGIBILITY: Upon cancellation of eligible wireless plan you may lose access to HBO Max. LIMITS: Access to one HBO Max account per AT&T account holder. May not be stackable w/other offers, credits or discounts. AT&T employees and retirees are not eligible for the HBO Max Add-on offer. To learn more, visit att.com/hbomax. HBO Max is only accessible in the U.S. and certain U.S. territories where a high-speed broadband connection is available. Minimum 3G connection is required for viewing on mobile devices. HBO MAX is used under license.

WAIVED ACTIVATION FEE: Available to qualified employees, students and other authorized individuals associated with eligible Sponsoring Organizations with a qualified Business Agreement. Requires valid proof of eligibility. Qualified individual must subscribe to service under an account for which he/she is personally liable. Offer is subject to the Business Agreement and may be interrupted, changed and/or discontinued without notice. Applicable to select activations only. Additional restrictions apply. If you have a question about your eligibility, contact your Sponsoring Organization or visit a store or contact AT&T for offer details.

20% Accessory Discount: Applies only to select accessories described in the Business Agreement, or as otherwise determined by AT&T from time to time, which may include batteries, chargers, ear buds, cases and/or other supplementary parts for use with wireless devices. Ask AT&T representative for current selection. Additional restrictions apply. Visit a store or contact AT&T at 855.682.9401 for details.

MOBILE SHARE PLUS PLANS: Prices are for service only and include monthly plan charge for talk, text and data and a per device monthly access charge for access to such services. Other monthly charges are extra. Access Charges: For each device on your plan, a monthly access charge of $10 to $40 also applies. Single Line: Plan is for one phone line only and monthly plan charge is $40 for 3 GB or $50 for 9GB before discounts. Device monthly access charge is extra. Multi-Line: Plan is for 2 to 10 lines and monthly plan charge is $60 for 3GB and $80 for 9GB. Per device monthly access charges are extra. Single Phone Line Discount: Monthly $20 (3GB plan) or $30 (9GB plan) discount applied to your plan charge if you have only one phone line on a multi-line plan. Discount starts w/in 2 bill cycles. AutoPay & Paperless Bill (ABP) Discount: $10 per month discount for one or fewer phone lines; $20 per month for two or more phone lines. Requires being active & enrolled in both paperless billing & AutoPay. Discount starts w/in 2 bill cycles. Employees and retirees are not eligible for ABP Discount. Eligibility: Consumers only. Other Mobile Share plans may have been retired. If on a retired Mobile Share plan, you may upgrade and add or remove lines. If you want to change your high-speed data allotment, you must pick from a currently available plan. Devices: Limit 10 per plan (sold separately). Data: For use in the United States, Puerto Rico and the U.S. Virgin Islands (the “Domestic Coverage Area” or “DCA”) and in Mexico. Additional or promotional data may not be available for use outside the DCA. Video Streaming: For content we can identify as video, speed will be limited to Standard Definition quality. If two or more tethered devices are watching video from the same source at the same time, we may identify it as a single video and slow the speeds collectively to a max of 1.5 Mbps, which may impair your ability to watch video on these tethered devices. You can pause video on all but one of the tethered devices or watch from different sources to resolve this issue. Other restrictions apply. Overage Charges and Data Speeds: No charge for overage. However, after all your high-speed data allotments are used, all data usage is slowed to a max of 128 Kbps for the rest of the bill cycle. During that period, you will have basic data use for viewing a web page or checking email. Audio and video streaming, apps and services, picture and video messaging, as well as other data usage, including usage of data that is sponsored, will be impacted and may not be fully functional. Tethering and Mobile Hotspot: use for up to five (5) simultaneous devices. Tethering requires compatible device. Restrict Usage: Authorized users on the account may temporarily suspend data access for each device on the plan. Data access will be restored at the beginning of the next billing cycle. Monthly charges continue to apply. Rollover Data: Unused data from the monthly plan allowance rounds up to the nearest MB and carries over for one billing period. Rollover Data automatically expires after one billing period or with any plan change (such as changing data amounts or termination). Rollover Data is used after your monthly plan allowance. Rollover Data is not redeemable for cash or credit and is not transferable. UNLIMITED TALK: For phones only. Includes unlimited calls within the DCA and within Mexico). (see Wireless Customer Agreement at att.com/wca. Unlimited Talk to Mexico: For phones only. Includes unlimited International Long Distance (ILD) calling from the DCA to Mexico only. You may be charged for calls to special or premium service numbers. Calls to Other Countries: Select plans also allow calling from the DCA and/or Mexico to countries other than Mexico. Per minute pay-per-use rates apply unless an ILD service package is added to the line placing such calls. Rates subject to change without notice. For rates, see att.com/worldconnect. UNLIMITED TEXT: Standard Messaging – For phones only. Requires compatible device. Includes unlimited number of messages up to 1MB in size within and from the DCA and within Mexico to more than 190 countries for text messages and 120 countries for picture and video messages. AT&T may add, change, and remove included countries at its discretion without notice. Messages sent through applications may incur data or other charges. Visit att.com/text2world for details. Advanced Messaging – For customers with Advanced Messaging capable devices only. Both sender and recipient(s) must be AT&T postpaid wireless customers with HD Voice accounts, and both must have their devices turned on and be within AT&T’s owned and operated DCA only (third party coverage and use in Mexico are excluded). Includes unlimited number of messages up to 10MB in size. Additional restr’s apply and can be found at att.com/advancedmessaging. Wireless Internet: May be added to the 9GB plan for $30 access charge. AT&T Wireless Internet is a wireless voice service (Commercial Mobile Radio Service or CMRS) & mobile broadband Internet access service. Messaging excluded. For emergency calls, provide location to 911 operator. Devices have backup battery but landline equip. with separate power will not place/receive calls (including 911) during outage. Not compatible with landline dependent services like medical alert monitoring systems. Other compatibility limitations apply. For AT&T Wireless Internet details visit att.com/wirelessinternet. Connected Devices: Includes eligible connected vehicles, wearables, cases, connected wearables and other select devices. Connected Wearables: Is a wireless phone designed to be worn that is capable of making/receiving calls without being connected to another wireless device. For a list of devices visit att.com/wearableslist. Mexico Service Restrictions: Plan usage not available in Mexico on Wireless Internet & Connected Devices. Pay-per-use roaming rates will apply on these devices. Plan usage or roaming in Mexico not avail. On connected vehicles. More Details: See att.com/mobilesharePlus or a store for more plan information.

All offers, programming, promotions, pricing, terms, restrictions & conditions subject to change & may be modified, discontinued, or terminated at any time without notice.

©2020 AT&T Intellectual Property. All rights reserved. AT&T, the AT&T logo, all other AT&T marks contained herein are trademarks of AT&T Intellectual Property and/or AT&T affiliated companies.

Wait, there’s more

The features of the Union Plus Credit Card program go beyond the card. Learn more about how you can start enjoying the powerful offerings that come with being a cardholder.

Certain restrictions, limitations and qualifications apply to these grants. Additional information and eligibility criteria can be obtained at UnionPlus.org/Assistance.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

¹Email survey of Union Plus Credit Cardholders conducted in February 2020 by Union Plus. 6,380 responders; 5,799 answered “Yes” when asked, “Would you recommend the Union Plus Credit Card Program?”

*Credit approval required. The Union Plus Credit Cards are issued by Capital One, N.A., pursuant to a license from Mastercard International Incorporated.

³Claims are subject to investigation and verification.