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Participants Providers Employers

Eligibility extension changes

In March, the Culinary Health Fund Board of Union and Employer Trustees took a very important step to protect you and your loved ones. It approved an extension of your health insurance eligibility through the end of October 2020. That meant that you did not have to make any payments to keep your health benefits, regardless of if you were working enough hours, or if you were back to work at all.

Starting in November 2020, there will be changes for many of you who are not yet back to work, or not working enough hours to continue your benefits. The different eligibility scenarios are outlined below. We will contact you with more information as we learn more about which scenario will impact you.

You will have your eligibility covered if:

  • You are eligible for benefits, and work enough hours (240 hours in July and August will cover you in November and December).
  • Or you work for a specific employer that has agreed to cover your hours because you were eligible when the property closed in March. Even if you are not currently working or not working enough hours yet.

You will need to make a partial Self-Pay payment if:

  • You are working, but are short on hours.
  • Or you work for a specific employer that has agreed to cover some of your hours. Even if you are not currently working or not working enough hours yet.
  • Follow this link to learn more about keeping your Culinary benefits with partial Self-Pay payments, and the new Super Saver option.

You will have to make a full Self-Pay payment if:

  • You were eligible for benefits in March, but you have not been called back to work yet, and your employer has not agreed to cover any additional hours on your behalf.
    • Some participants are now working, but were not eligible for benefits when their property closed. You will not be able to Self-Pay for benefits if you are not already eligible for benefits. Once you work enough hours to become eligible, you will have benefits.
  • Follow this link to learn more about keeping your Culinary benefits with full Self-Pay payments, and the new Super Saver option.

Retirees

If you are retired, and if you are between the ages of 62 and 65, you may qualify for Retiree Self-Pay. Follow this link to learn more about the rates and rules for Retiree Self-Pay.

Other options

If you are unable to continue your health coverage with Self-Pay payments or Super Saver, you have other options.

  • COBRA

    The federal COBRA Act allows you to continue your coverage by paying for it yourself. Visit our online portal to find out how much this will cost you.
  • Medicaid

    You may be able to get health insurance coverage through Medicaid. This web page has more information.

The Union, the Employers, the Fund, and the Trustees are continuing to work on solutions.

We understand that these changes can be very difficult for you and your family. We appreciate your patience and understanding. If you have any questions, please call the Customer Service Office at 702-733-9938.