Healthy Foundations

Healthy Foundations provides you and your family with Plan benefits to help you maintain or improve your health. While the Plan provides you and your family with benefits and tools, it is up to you to use them. There is nothing as important as your health, so take charge of it today. To see your Healthy Foundations Account (HFA) balance on your debit card, please log in.

The Plan pays for preventive care services at 100%. Covered services include annual physicals, immunizations, and age- and gender-specific screenings.

CDC Adult Immunization Recommendations

Recommended Screening Exams

How to Make Money…For Taking Control of Your Health

The Plan rewards you and your spouse for taking control of your health. You and your spouse, if you are married, can each participate in the program and receive an annual contribution of $200 into your family Healthy Foundations Account (HFA), a health reimbursement arrangement. If you and your spouse follow these steps, the total annual contribution possible is $400 per family. Your family can use the money in your HFA to pay for eligible healthcare expenses. Here’s how the program works, for you or your spouse:

  1. Take the Health Risk Assessment (instructions) or get a physical
  2. Get $100 contribution to HFA
If you have been diagnosed with or identified as at risk for developing a chronic disease:If you are healthy and at lower risk:
3. Follow the instructions on the letter your receive to contact and work with your health coach or call 1-800-367-9938 to set up your appointment to speak with an Optimal Health coach. For every calendar quarter you maintain contact with your coach, you receive a $25 contribution to your HFA. See your HFA debit card balance . 3. Participate in one of the Ironworkers' wellness and disease management programs.

4. Contact your health coach:

  • Contact with coach January, February, March: Get $25
  • Contact with coach April, May, June: Get $25
  • Contact with coach July, August, September: Get $25
  • Contact with coach October, November, December: Get $25
4. Get $100 contribution to HFA
Maximum annual contribution possible per person: $200
Maximum annual contribution possible per family: $400

Cheaper Drugs for Common Diseases

In addition to providing benefits for preventive services, the Plan also provides special benefits for participants diagnosed with the Plan’s most common diseases: diabetes, high blood pressure/heart disease, high blood cholesterol, and asthma. The prescription drug copayments for prescriptions to control these conditions have been lowered so that you don’t have to pay anything for generic medications, $20 for preferred brand medications and $40 for non-preferred brand medications for a 90-day supply, if you use the mail order pharmacy. If you use a retail pharmacy, you pay half the price for a 34-day supply. Go to www.express-scripts.com and look for the Therapeutic Drug Program after you sign in.

These links will provide information about your condition:

Diabetes

Blood pressure/ heart disease

High blood cholesterol

Asthma

Web tools for healthy living on the BCBSIL Web site (you need to log in and then click on My Health)

The Plan pays for preventive care services at 100%. Covered services include check-ups and immunizations.

Recommended Immunization Schedules

Kids activities to learn about nutrition

If you have questions about how the HFA works, read the Frequently Asked Questions (FAQs).

Read the instructions on how to access and take the Health Risk Assessment.

FAQ's

You can check your Healthy Foundations Account balance by logging into your account.
Read more frequently asked questions and answers about the Healthy Foundations Account.

Send a completed Healthy Foundations Account (HFA) Claim Form to the Fund Office in order to use funds from your HFA to self-pay for coverage.

Read more frequently asked questions and answers about the Healthy Foundations Account.

Once you are eligible for the Welfare Fund, you will receive contributions into your HFA and will receive your debit card, called the HFA Debit Card. You can use the balance in your HFA to pay for eligible expenses using either your HFA Debit Card or by completing and submitting the HFA Reimbursement Form.

Read more frequently asked questions and answers about the Healthy Foundations Account.

Your HFA belongs to you as long as you are an eligible member of the Welfare Fund.

If you lose eligibility for participation in the Welfare Fund, for example by finding work in another industry or for not meeting the initial eligibility requirements, you forfeit your HFA and all its funds.

You cannot take the HFA with you if you leave for another job, unless your new employer contributes to the Welfare Fund.

Read more frequently asked questions and answers about the Healthy Foundations Account.

You should always save itemized receipts for purchases made with the HFA Debit Card. You may be asked to submit receipts to verify that your expenses comply with IRS guidelines. Each receipt must show:

  • The merchant or provider name,
  • The service received or the item purchased,
  • The date of the transaction, and
  • The amount of the purchase.

Read more frequently asked questions and answers about the Healthy Foundations Account.

Typically, a vendor will reject the card if used for an ineligible expense. This is especially true with large or chain stores.

If you lose a receipt, the service provider can recreate an account history and provide a replacement receipt.

In the event that a receipt cannot be located, recreated, or if the expense is ineligible for reimbursement, you can send a check or money order to the Fund Office for the amount so it can be credited back to your benefit account. If you have this situation, contact the Fund Office for detailed instructions.

Read more frequently asked questions and answers about the Healthy Foundations Account.

You may be able to split the cost at the register and use another form of payment to pay the balance of the expense. Check with the merchant.

For example, you may tell the clerk you wish to use the Card for the exact amount left in your account, and then pay the remaining balance separately. Or, you may pay the entire expense another way (like with a separate credit card) and later submit a claim form with the appropriate documentation to your Plan Administrator.

Read more frequently asked questions and answers about the Healthy Foundations Account.

 

Call the Fund Office to report your card lost or stolen as soon as you realize it is missing. The Fund Office can then turn off your current card(s) and issue replacement card(s). A small replacement card fee may apply.

Read more frequently asked questions and answers about the Healthy Foundations Account.

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© Iron Workers Tri-State Welfare Fund. The information on this Web site presents selected highlights of the Iron Workers Tri-State Welfare Fund. The actual Plan provisions of the Plan are in the Plan’s legal document. In the event of a conflict between the wording on the site and the legal documents, the legal documents will govern. The Trustees reserve the right to amend, modify, or discontinue all or part of the Plan at any time.