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Eligibility extension Super Saver option

Learn more about Super Saver 3:37

Thanks to the Leadership of the Culinary Health Fund Union and Employer Trustees, you now have a new self-payment option to keep your benefits. This new option is called Super Saver. It starts November 1, 2020.

What does Self-Pay mean?

  • Eligibility for benefits is based on you working 240 hours every two months. That’s about 30 hours a week. If you don’t work enough hours, you will have to make a Self-Pay payment.

  • A Self-Pay payment is a way for you to keep your benefits when you are short on hours.

    For example:

    If you work 200 hours for 2 months, you will receive a Self Payment Notice (bill) for the 40 hours you are short.

Now you also have Super Saver!

Here’s how Super Saver works:

  • You will pay $164 for each eligibility period (2 months of coverage).
  • You can use the Super Saver for a maximum of 2 eligibility periods (4 months of coverage). But, your option to use the Super Saver ends October 31, 2021.
  • Once you have used Super Saver for 2 eligibility periods, you will still be able to make full or partial self-payments as well as payments for COBRA.

Who can use Super Saver?

Participants who are making partial or full self-payments now, or are making COBRA payments.

Why is Super Saver important?

It helps you keep your coverage at a lower cost. That way you may not need to re-establish your eligibility when you return to work.

How eligibility works

Past work months count for future eligibility.

For example:

If a participant did not work in July and August they would not be eligible in November and December.

240 hours required in Covered in
July and August November and December
September and October January and February
November and December March and April

Examples of how to choose the best option

Example 1

  • Chris did not get called back to work in July and August.
  • Chris needs to make a full self-payment for the 240 hours he is short.
  • Chris also knows he may not be called back to work for some time.
Self-Pay/​COBRA
or
Super Saver

$1,243.20 for full Self-Pay

$164* (for each eligibility period)

Chris will now be eligible for benefits in November and December.

*Chris will only be able to use the Super Saver option 2 times (2 eligibility periods – 4 months) before it ends October 31, 2021.

Example 2

  • Maria worked 200 hours in July and August.
  • Maria is short 40 hours.
  • Maria was told she will be laid off next month.
  • Maria chooses to pay her partial Self-Pay because she knows she may need to use Super Saver at a later time when she has no hours.
Self-Pay/​COBRA
or
Super Saver

$207.20 for partial Self-Pay

By paying her partial Self-Pay, Maria can save Super Saver for when she is laid off in the future.

$164 (for each eligibility period)

Example 3

  • Elena has not worked since February.
  • Elena has been making COBRA payments to keep her family covered.
  • Elena still hasn’t been called back to work.
Self-Pay/​COBRA
or
Super Saver

$1,710.88 COBRA payments (that’s $885.44 per month)

$164* (for each eligibility period)

Elena chooses to use Super Saver. This saves her $1,546.88. Elena will be able to make one more Super Saver payment before she has to go back to making COBRA payments.

*Elena will only be able to use the Super Saver option 2 times (2 eligibility periods – 4 months) before it ends October 31, 2021.

You can call Customer Service for more information about Super Saver at 702-733-9938.

Community resources

If you need help paying for health care, caring for your child, putting food on the table, or have other problems, there is help.

Visit this web page for a list of government and private organizations ready to help you.