OPTIONS Rider makes health coverage easier!

Multi Union Security Trust Fund is making health coverage easier than ever.

Our new OPTIONS Rider is designed to give you increased flexibility in your selection of outpatient services.

This plan is specifically designed to complement your HMO coverage. It provides you and your family members the opportunity to receive selected outpatient services from any physician. It also covers some services that are not normally covered under your HMO benefit plan.

The OPTIONS Rider is not meant to replace your HMO coverage or services provided through your Primary Care Physician and selected hospital.

Benefits are limited to outpatient services such as physician office visits. Specifically excluded are inpatient services, major surgical procedures and maternity care in any setting. There is a calendar-year deductible and a benefit maximum for each covered family member.

Here’s how it works

From time to time, you may wish to obtain services for yourself or a covered family member from:

• physicians or other providers who are not participants in the HMO network

• specialist physicians or other providers whom you wish to see without a referral

• primary care physicians other than your own primary care physician

You also may also wish to obtain services that are not covered under your HMO benefit plan. The OPTIONS Rider provides you with this flexibility subject to the coverage described in the Disclosure Statement and Benefit Summary. (Call PacFed for details!)

After you have received and paid for covered services, complete a claim form and provide your proof of payment to PacFed. At the time of enrollment, you will be provided with the necessary claim forms.

If you have any questions regarding the claim form, proof of payment or the need for additional claim forms, please call PacFed Benefit Administrators, Inc. at (818) 243-0222.