UNITE HERE HEALTH Your Power with Local 1 and Local 450

Benefits at a Glance

Midwest 114 
Effective 1/1/2025

Get FREE care at
your Health Center!

The UNITE HERE HEALTH — Health Center is a FREE primary care practice and pharmacy just for eligible Local 1 and Local 450 Union members and their adult dependents. The Health Center is located at:

  • 218 S. Wabash Ave., 4th Floor, Chicago IL 60604 (Adams & Wabash L stop)
  • In the same building as the Fund and Union offices

About your network

Whenever you visit a healthcare provider, tell them you’re part of Blue Cross Blue Shield’s Blue Choice network.


Be sure to use a Green or Blue network provider for care. If you don’t, the Fund usually pays nothing (which means you have to pay the entire bill). Except in emergencies or as otherwise required by federal law, the Plan does not cover non-network care (see below for exceptions).


The Green Network gives you great care at the best prices and includes the following providers: Ascension Illinois, AdventHealth, Saint Anthony Hospital in Chicago, and Little Company of Mary in Evergreen Park.


When you travel outside Illinois or have a dependent living outside Illinois, the Blue Card program provides access to a national network of doctors, hospitals and other healthcare providers.

Other important contact info
UNITE HERE HEALTH - Health Center (312) 736-3397 Free Pharmacy
(312) 768-5500 Health Center
www.uhh.org/chc
Call to get prior authorization for certain benefits
(see HealthCheck 360 list inside)
(844) 462-7812
Get medical help 24/7 with HealthCheck 360’s free Nurse Line (866) 823-9827
Find a True Choice network pharmacy (hospitalityrx.org) (844) 813-3860
Enroll in mail order (WellDyneRx)
Get specialty drugs (WellDyne Specialty Pharmacy) (800) 373-1879
Find a network dentist (Delta Dental) (800) 323-1743
deltadental.com
Find a network vision provider (Davis Vision) (800) 999-5431
davisvision.com
This is an easy-to-read summary and does not include all benefits or services. If there is a conflict between this summary and your plan documents, then your plan documents are correct. For more details about your benefits or to find out which treatments/services require prior authorization, please refer to your Summary Plan Description (SPD) or call us at (800) 419-4373.

Remember!

Primary care, associated lab services, and prescriptions are FREE at the UNITE HERE HEALTH — Health Center!

Major Medical Benefits - What You Pay

Green Network Providers

Blue Choice (In Illinois) Blue Card (Out of State)

Non-Network

Calendar Year Deductible

$0

$0

$0

Safety Net Out-of-Pocket Spending Limit
Copays, deductibles, and coinsurance you pay for medical and pharmacy

$6,350 per person and $12,700 per family

$6,350 per person and $12,700 per family

Not applicable

Office Visits

Preventive Care

$0

$0

Not covered

Primary Care Provider Office Visits
including all care provided during the office visit

$0

$10

Not covered

Specialist Care Office Visits

$10

$20

Not covered

Acupuncture Services
up to 12 visits per person per calendar year

$10

$10

Not covered

Chiropractic Services
up to 40 visits per person per calendar year

$10

$10

Not covered

Routine Podiatry
to 4 visits per person per calendar year

$10

$10

Not covered

Podiatric Orthotics
up to $500 per person every 24 months

$0

$0

Not covered

Diabetes Education

$0

$0

Not covered

Nutritional Counseling
up to 4 visits per person per calendar year

$0

$0

Not covered

Emergency and Urgent Care

Urgent Care Clinic

$30; $0 copay at Illinois Physicians Immediate Care (PIC) locations

$30; $0 copay at Illinois Physicians Immediate Care (PIC) locations

Not covered

Emergency Room Services
(copay waived if admitted)

$100

$200

$200

Ambulance Transportation
to a hospital (copay waived if admitted)

$50

$50

$50

Ambulance Transportation
between hospitals

$0

$0

$0

Lab & Imaging Services

Laboratory Services

$0 Non-hospital $30 Hospital

$0 Non-hospital $30 Hospital

$0 ONLY services billed by an independent lab are covered

Radiology
x-ray, ultrasound, and fetal monitoring

$0

$10 Non-hospital $50 Hospital

Not covered

Diagnostic Imaging, Cardiac Testing and Radiation Therapy

$0

$100 Non-hospital $150 Hospital

Not covered

Sleep studies

$50

$50

Not covered

Outpatient Services

Outpatient Surgery

$0

$100 Non-hospital $200 Hospital

Not covered

Physical, Speech, and Occupational Therapy

$0 Non-hospital $30 Hospital

$10 Non-hospital $30 Hospital

Not covered

Infusion Medication, Chemotherapy and Kidney Dialysis

$0 Non-hospital $100 Hospital

$0 Non-hospital $100 Hospital

Not covered

Inpatient Services

Hospitalization
including all care provided during the hospitalization

$150 per day (up to $300 per admission)

$250 per day (up to $500 per admission)

$250 per day (up to $500 per admission) ONLY emergency treatment is covered

Skilled Nursing Facility Care
up to 60 days per person per calendar year

$50 per day (up to $250 per admission)

$100 per day (up to $500 per admission)

Not covered

Mental Health and Substance Abuse Treatment

Office Visits
including medical management visits

$0

$10

Not covered

Hospitalization
including all care provided during the hospitalization

$150 per day (up to $300 per admission)

$250 per day (up to $500 per admission)

$250 per day (up to $500 per admission) ONLY emergency treatment is covered

Partial Hospitalization, Intensive Outpatient Treatment, or Ambulatory Detoxification

$0

$0

$0

Other Care and Expenses

Home Healthcare
up to 60 visits per person per calendar year

$10

$20

Not covered

Hospice Care

$0

$0

Not covered

Medical Equipment for Home Use; Artificial Limbs and Organs; All Other Covered Expenses
(After you spend $2,500 in a calendar year, you pay nothing)

20%

20%

Not covered

Mandatory Prior Authorization—You or your healthcare provider must call HealthCheck360 at (844) 462-7812 before you get any of the types of care listed below. If you don’t, your claim may be denied.

  • Air ambulance transport services (non-emergency)
  • Any inpatient admission, regardless of the type of facility or care, including but not limited to:
    • skilled nursing facility care, hospice care, acute rehabilitation care, long-term acute facility care, and residential treatment
    • maternity admissions following 48 hours for a vaginal delivery and 96 hours following a Cesarean delivery
    • elective Cesarean section (C-section) admissions under 38 weeks
  • Bariatric surgery (including but not limited to gastric bypass and  banding procedures)
  • Blepharoplasty
  • Chemotherapy
  • Clinical trials
  • Diagnostic imaging services as follows:
    • CT, CTA, and CAT scans (computed tomography scintiscan or  computerized axial tomography scintiscan)
    • MRA and MRI (magnetic resonance angiography or magnetic  resonance imaging)
    • PET scan (positron emission tomography scintiscan)
  • Dialysis — notification only
  • Durable medical equipment, including breast pumps, costing over $500
  • Electroconvulsive therapy (ECT)
  • Gender reassignment surgical services and certain hormone therapy
  • Genetic testing
  • Gynecomastia surgery
  • Habilitative therapy for children with autism spectrum disorder
  • Hospice services • Hyperbaric oxygen therapy treatment
  • Hysterectomy
  • Select injectable, infused, ingested, or inhaled medications administered by your provider in an outpatient setting
  • Joint replacements, including but not limited to hip and  knee replacements
  • Laminectomy
  • Le Fort osteotomy
  • Lipectomy and panniculectomy
  • Mammaplasty (breast reduction)
  • Medical foods for inborn errors of metabolism
  • Orthognathic surgery
  • Orthotics or prosthetics (including podiatric orthotics) over $500
  • Partial hospitalization and intensive outpatient programs
  • Physical, occupational, and speech therapy after the first 12 visits (for each type of therapy each calendar year)
  • Radiation therapy
  • Reconstructive surgery
  • Sinus surgery (including but not limited to rhinoplasty, and/or septoplasty, and submucous resection)
  • Skilled services provided in a home setting, including home healthcare, home therapy (PT, OT, ST) and home infusion
  • Sleep studies
  • Temporomandibular joint surgery
  • Transcranial magnetic stimulation (TMS)
  • Transplant—including evaluation—and CAR-T therapy services (you MUST use the Optum or Cigna LifeSOURCE network; more info at uhh.org/transplant)
  • Travel and lodging
  • Varicose vein procedures (including vein sclerotherapy)

This list changes from time to time. Contact the Fund at (800) 419-4373 for the most up-to-date information.

Prescription Drug Benefits - What you pay for formulary drugs

At the Chicago Health Center and free pharmacy at Ascension Rx – Resurrection Pharmacy

Per Prescription up to a 90-day supply

At network retail pharmacies and mail order

Retail Pharmacy up to a 34-day supply

Mail Order up to a 90-day supply

Preventive healthcare services drugs

FREE!

Preventive healthcare services drugs

$0

$0

Generic drugs

FREE!

Generic and some brand drugs

$5

$5

Brand drugs

FREE!

Preferred drugs

$15

$15

Select brand drugs*

50%

Non-preferred drugs

$30

$30

Non-formulary prescription drugs and supplies

Not covered, unless an exception is approved

Select specialty and select biosimilar drugs*

Not covered

Generic: $5 | Brand: 25%

*Current pharmacy benefit provider will actively manage and determine drugs in tier. Specialty drugs are only available through the specialty mail order pharmacy. However, if you take specialty medications as part of your HIV treatment plan, you may be able to receive an exception to use your network retail pharmacy instead of the specialty pharmacy.

DENTAL BENEFITS—What you pay

Delta Dental PPO Network Providers

Delta Dental Premier Dentists and Non-Network Providers

Calendar Year Deductible
Applies to some non-orthodontic services

$50 per person; $150 per family

$50 per person; $150 per family

Calendar Year Maximum

$2,000 per person (includes up to $1,000 for Delta Dental Premier Dentists or non-network providers)

$2,000 per person (includes up to $1,000 for Delta Dental Premier Dentists or non-network providers)

Diagnostic and Preventive Services

$0

83%

Minor Restorative Services
(includes fillings)

$0

83%

Major Restorative Services
(includes endodontics, periodontics, oral surgery, prosthodontics and crowns)

15% after deductible

91% after deductible

Orthodontia
$5,000 lifetime maximum for orthodontic services

50%

Not Covered

VISION—What You Pay

At network providers, you pay...

At non-network providers, you pay...

Eye Exams

$0

$0

Frames

$0 for Fashion, Designer & Premier levels in Davis Vision Collection | $150 allowance for other frames plus 20% off balance; no copay

1) Pay provider at time of service 2) Submit a claim to Davis 3) Get reimbursed: $75 maximum for an exam and $175 maximum for all materials, evaluations, and fittings combined

Lenses

$0

1) Pay provider at time of service 2) Submit a claim to Davis 3) Get reimbursed: $75 maximum for an exam and $175 maximum for all materials, evaluations, and fittings combined

Cosmetic Contacts
(instead of glasses)

$0 for Davis Vision Collection | $150 allowance for other contacts plus 15% off balance; $60 allowance for evaluation & fitting; no copay

1) Pay provider at time of service 2) Submit a claim to Davis 3) Get reimbursed: $75 maximum for an exam and $175 maximum for all materials, evaluations, and fittings combined

Retinal Imaging

$20 per exam

Not covered

SHORT-TERM DISABILITY BENEFIT (employees only)

Weekly Benefit
(Benefits begin 1st day due to injury, 8th day due to sickness; 15-week maximum for any one period of disability)

$325

LIFE AND ACCIDENTAL DEATH BENEFIT

Employee Life

$20,000

Dependent Life

$10,000 spouse and child(ren) age 6 months and older; $3,000 child(ren) from live birth to age 6 months

Employee AD&D

$20,000