Click on the "Plan Number" for benefit schedule
MEMBERSHIP DESCRIPTION
| Plan: #1 Actively employed contract (union) employees. They contribute $40.00 monthly towards the total premium. |
| Plan: #5 Contract people who took early buyouts. |
| Plan: #17 Active employee on sick leave. |
| Plan: #21 COBRA Coverage / Active Benefits |
| Plan: #22 Full Time Association employees |
Benefit Schedule B: Active Non-Contract Employees and Contract Employees with Railroad Insurance as Primary. Secondary Coverage only
| Plan: #2 Supplemental coverage for non-contract employees and contract employees with other primary coverage if covered by Railroad. $20.00 limit per script on drug co-pay with $750 / yr cap.. |
| Plan: #18 Supplemental coverage for Non-Contract employees on sick leave with $20 limit per script on drug co-pays with $750 /yr cap. |
Benefit Schedule C: Disqualified, Furloughed, Dismissed, Sick Leave Expired, Resigned Employee or Retirees Under 65 (80/20 primary coverage)
| Plan: #3 Those leaving the Railroad (furloughed, dismissed, sick leave, expired or resigned) with at least 5 years of service can retain coverage by paying full rate. No drug limit. |
| Plan: #4 Those on disqualified status receiving a disability annuity and not on Medicare. $750.00 annual drug limit. |
| Plan: #19 Any non-Wabash retiree with a current or prior connection to NS under the age of 65 or NS retiree with less than 30 years of service. $750.00 annual drug limit. |
Benefit Schedule D: Retired Railway Employees (not eligible for Medicare) with other RR Insurance As Primary and Contract Employees Holding a Union Office - Secondary coverage only
| Plan: #6 Retired non-contract employees who retain their primary insurance through the Railroad. Retired employees from other divisions or crafts not covered by Wabash when actively working and active contract employees holding a union office. Wabash provides supplemental coverage only. $20 limit per script on drug co-pay with $750.00 / yr cap. Active employee - No limit. |
Benefit Schedule E: Early Retiree Major Medical Plan - 80/20 Primary Coverage
| Plan: #7 Employees at least 60 years of age with 30 or more years of service at retirement. Maximum lifetime benefit of $92,500.00 with annual $100.00 deductible. This limit is subject to an annual change. This only includes those employees with primary coverage provided by Wabash while actively employed by the Railroad and whose craft at the time of retirement was a part of Wabash. This plan is in effect until retiree reaches Medicare age or maxes out the benefit. WMHA is primary. |
Benefit Schedule F: Upgrade Plan (optional upgrade from Plan E)
| Plan: #8 Employees at least 60 years of age with 30 more years of service at retirement and those employees on sick leave who had 30 years of employment when going out of service if they attain the age of 60 during a 30 month period from the date of going out of service. There is a $500 annual inpatient hospital deductible, but no lifetime cap. This Plan may only include those employees with primary coverage provided by the Wabash Memorial Hospital Association while actively employed by the Railroad and whose craft at the time of retirement was a part of Wabash. This Plan is in effect until retiree reaches Medicare age. Wabash is primary. $750 annual drug limit. |
Benefit Schedule G: Retirees Eligible For Medicare (Supplemental Coverage) with pharmacy benefit
| Plan: #9 Any retired or disqualified NS employees or former NS employees who have reached Medicare age or are eligible for early Medicare. Any railroader drawing their pension through the RRB and with a connection or former connection to NS or any carrier with a connection or former connection to NS, regardless of craft, may also join. Wabash is secondary to Medicare. $750.00 drug limit. Wabash pays the deductible and / or coinsurance on any charges approved by Medicare that are not otherwise excluded. Wabash will also pay the difference between the billed amount and the Medicare approved amount on non-assigned claims. Claims submitted must also include a copy o the itemized bill on any questionable charges and include the diagnosis, as well as a copy of the Explanation of Medicare Benefits showing how much Medicare approved and paid on each charge. You may be responsible for any services received but not covered by Medicare except as may be listed on Benefit Schedule G. Generally medical services received while traveling abroad are not covered (including Canada and Mexico). |
Benefit Schedule H: Retirees eligible for Medicare Supplemental Coverage without pharmacy
| Plan: #10 Retireess, spouses of retirees and parents or parents-in-law of NS employees (covered by Wabash) who have reached Medicare age or who have been granted early Medicare. Wabash is secondary to Medicare. No drug benefit. |
Benefit Schedule I: Spouses of Retirees (Secondary to Railroad Primary)
| Plan: #11 Spouses of retired employees, contract and non-contract, still covered by their primary carrier. Supplemental coverage only. No drug coverage. |
Benefit Schedule J: Dependents of Active Railway Employees and Wabash Employees
| Plan: #12 Active with One Dependent - Spouses or dependents of Active contract and non-contract employees with primary coverage provided by the Railroad. Supplemental coverage only. No drug coverage.. |
| Plan: #13 Active with Up to Three Dependents - Family Plan for Active contract and non-contract employees (including non-Wabash Actives) whose primary coverage is provided by the Railroad. Also available for families of retired contract or non-contract employees whose primary coverage is provided by the Railroad. Wabash provides supplemental coverage only. No drug coverage. |
| Plan: #23 - Active with Four or More Dependents - Family Plan for Active contract and non-contract employees (including non-Wabash Actives) whose primary coverage is provided by the Railroad. Also available for families of retired contract or non-contract employees whose primary coverage is provided by the Railroad. Wabash provides supplemental coverage only. No drug coverage |
| Plan: #14 Primary coverage for dependents, widows or widowers who no longer have coverage provided by the railroad. This provides coverage until they reach Medicare age or become eligible for early Medicare. Wabash is primary. No drug coverage. |
Benefit Schedule L: Associate Member Upgrade (80 / 20 plan)
| Plan: #15 Primary coverage for spouses or former spouses, dependents, widows, or widowers who no longer have coverage provided by any Railroad company and are not eligible for coverage for another Hospital Association. Coverage is extended until they qualify for Medicare primary benefits at which time they may transfer to our Medicare Supplemental Plan. |
Benefit Schedule M: Dependents of Association Employees - Primary Coverage
| Plan: #16 Provides primary coverage for one dependent of Wabash employees. |
| Plan: #24 Provides primary coverage for two or more dependents of Wabash employees. |
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