NBF Retiree Healthcare
For 62.5/25 Retirees*
*Retirees born before July 1, 1959, are eligible for retiree health benefits at age 62 with 20 years of service.
For Care in New York City, Long Island and Westchester
- Access to more than 30,000 Benefit Fund providers
- 21,000 providers affiliated with our network hospitals
- Mental and behavioral health coverage
For Care Outside New York City
- Choose providers from the Benefit Fund or the Aetna Choice POS II.
- All Aetna Signature providers accept the Benefit Fund’s payment for most services.
- No referrals and no out-of-pocket costs or deductibles for covered services.
Are you a National Benefit Fund retiree? See healthcare for retirees.
Your Benefits
Medical Benefit
Access to more than 30,000 Benefit Fund providers throughout New York City, Westchester and Long Island.
Mental and Behavioral Health
Comprehensive support through talk therapy, inpatient and outpatient treatment programs and coordinated care.
Prescription Benefit
Full prescription coverage with no co-payments when you use preferred drugs where available.
Dental Benefit
A choice of two plans—EmblemHealth or Aetna DMO—providing basic care, including cleanings, exams and restorative services.
Vision Benefit
Eye exams and glasses or contact lenses every two years.
Life Insurance
Life insurance benefit based on Wage Class.
Summary of NBF Retiree Health Benefits
To Retire with National Benefit Fund Health Benefits
Age |
Years of Service |
Coverage (WC I)(Must retire from active service) |
|
| 62.5–64* | 25 | Full (active) benefits, excluding dental | |
| 65+ | 10 | 1199SEIU Aetna Medicare Advantage Plan: You must be enrolled in both Medicare Part A (hospital) and Medicare Part B (medical). Includes Rx, vision, hearing, dental, life insurance, burial and 50% Part B premium reimbursement. | |
| 55–64 | 10 |
Dental Plus Plan: Includes dental, vision, limited hospital indemnity and spousal coverage**
OR Prescription Plan: Includes vision, hearing, Rx and spousal coverage** |
|
*Members born before July 1, 1959, or commencing benefit payments prior to January 1, 2019, are eligible for retiree health benefits at age 62 with 20 years of service.
**Eligible members retiring at age 60–64 are eligible for the “65+” benefits when they turn 65 and enroll in Medicare. Eligible members retiring at age 55–59 are only eligible for the Prescription Plan when they turn 65 and enroll in Medicare.
Eligibility
Age 62.5 with 25 Years of Service*
If you retire at age 62.5 with at least 25 years of credited service and/or vesting service, you are eligible for coverage that includes hospital, medical, vision, hearing, prescription drugs, life insurance, burial and spouse coverage.
*If you were born before July 1, 1959, you can collect a full pension at 62 with 20 years of credited service and/or vesting service.