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IMPORTANT INFORMATION WHEN CONSIDERING RETIREMENT BNSF does participates in the Early Retirement Major Medical Expense Benefit Plan
(ERMA/GA-46000) UTU
members considering retirement under the 60/30 provisions of the Railroad Retirement
Act, as amended, must be aware that there may be differences among railroads in their
continuing health care coverage. If your employing railroad participates in
the Early Retirement Major Medical Expense Benefit Plan (ERMA/GA-46000), and
you are at least 60 years of age, have 30 years of service and are covered under the NRC/UTU
Plan or the Railroad Employees National Health and Welfare Plan (GA-23000) when
you retire, you and your eligible dependents qualify for coverage under ERMA/GA-46000. If your employing railroad does not participate in ERMA/GA-46000, you will need to contact your General Chairperson to determine whether there are health care benefits under
the agreement in effect on the property upon retirement under the 60/30 provisions. ERMA/GA-46000 benefits are in effect for the employee and eligible dependents only Welfare Plan
(GA-23000) when you retire, you and your eligible dependents qualify for coverage
under ERMA/GA-46000. If your employing railroad does not participate in ERMA/GA-46000,
you will need to contact your General Chairperson to determine whether there
are health care benefits under the agreement in effect on the property upon
retirement under the 60/30 provisions. ERMA/GA-46000 benefits are in effect
for the employee and eligible dependents only Welfare Plan (GA-23000) when you retire, you and your eligible dependents qualify for coverage under ERMA/GA-46000. If your employing railroad does
not participate in ERMA/GA-46000, you will need to contact your General Chairperson
to determine whether there are health care benefits under the agreement in
effect on the property upon retirement under the 60/30 provisions. ERMA/GA-46000
benefits are in effect for the employee and eligible dependents only are covered under the NRC/UTU Plan or the Railroad Employees National Health
and Welfare Plan (GA-23000) when you retire, you and your eligible dependents
qualify for coverage under ERMA/GA-46000. If your employing railroad does not participate in ERMA/GA-46000, you will need to contact your General Chairperson to determine whether there are health care benefits under the agreement in effect on the property upon retirement under the 60/30 provisions. ERMA/GA-46000 benefits are in effect for the employee and eligible dependents only only until the employee becomes eligible
for Medicare at age 65. At that time, the employee must enroll for Medicare Part A
and Part B. The eligible dependents may continue coverage for a maximum of
36 months as permitted under COBRA. enroll for Medicare Part A
and Part B. The eligible dependents may continue coverage for a maximum of
36 months as permitted under COBRA. enroll for Medicare Part A and Part B.
The eligible dependents may continue coverage for a maximum of 36 months as
permitted under COBRA. 65. At that time, the employee must enroll
for Medicare Part A and Part B. The eligible dependents may continue coverage for a maximum
of 36 months as permitted under COBRA. ERMA/ GA-46000 Highlights Calendar Year Deductible $100/Individual Coinsurance
80% / 20% 65% for Mental Health care while not confined to a hospital. Retail Prescription Drugs (In-Network) (21-day supply or less) $2/Generic $6/Brand Name Home Delivery (22-day supply
or more) $5 Lifetime Maximum Benefit $107,700* (January 1, 2008) * - Subject to adjustment January
1 of each year based upon the medical cost component of the Consumer Price
Index. United HealthCare offers a supplement to ERMA/GA-46000 under Group
Policy GA- 23111, Plan E. The June 1, 2005, payment rate for their coverage is $140 per person per month and is subject to adjustment June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of
20% you must pay under ERMA/GA-46000 50%
for Mental/Nervous Disorder while not confined in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime
Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare
to advise them you are retiring in order to assure coverage under ERMA/GA- 46000
at the appropriate time. Additional
information and copies of the current descriptive booklets can be obtained by calling United
HealthCare toll-free at 1-800-842-5252. and is subject to adjustment
June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. and is subject
to adjustment June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. *
- Subject to adjustment January 1 of each year based upon the medical cost component of the Consumer Price Index. United HealthCare offers a supplement
to ERMA/GA-46000 under Group Policy GA- 23111, Plan E. The June 1, 2005, payment rate for their coverage is $140 per person per month and is subject to adjustment
June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. and
is subject to adjustment June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. and is subject
to adjustment June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. *
- Subject to adjustment January 1 of each year based upon the medical cost component of the Consumer Price Index. United HealthCare offers a supplement
to ERMA/GA-46000 under Group Policy GA- 23111, Plan E. The June 1, 2005, payment rate for their coverage is $140 per person per month and is subject to adjustment
June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. and
is subject to adjustment June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. and is subject
to adjustment June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. 107,700* (January 1, 2008) * - Subject to adjustment January 1 of each year based upon the medical cost component of the Consumer Price Index. United HealthCare
offers a supplement to ERMA/GA-46000 under Group Policy GA- 23111, Plan E.
The June 1, 2005, payment rate for their coverage is $140 per person per month and is subject to adjustment June 1 of each year. GA-23111,
Plan E Highlights Calendar
Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder
while not confined in a hospital. Annual
Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective
June 1, 2004) NOTE: Enrollment
in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise
them you are retiring in order to assure coverage under ERMA/GA- 46000 at
the appropriate time. Additional
information and copies of the current descriptive booklets can be obtained by calling United
HealthCare toll-free at 1-800-842-5252. and is subject to adjustment
June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. and is subject
to adjustment June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252. 5, payment rate for their coverage is $140 per person per month and is subject to adjustment
June 1 of each year. GA-23111, Plan E Highlights Calendar Year Deductible $100/Individual Coinsurance 70% of 20% you must pay under ERMA/GA-46000 50% for Mental/Nervous Disorder while not confined
in a hospital. Annual Out-of-Pocket Maximum $5,000 Lifetime Maximum Benefit $500,000 (effective June 1, 2004) NOTE: Enrollment in ERMA/GA-46000 is not automatic. You must call United HealthCare to advise them you are retiring in order to assure coverage under ERMA/GA- 46000 at the appropriate time. Additional information and copies of the current descriptive booklets can be obtained by calling United HealthCare toll-free at 1-800-842-5252.
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