Medical Benefit for National Benefit Fund Members

Your medical benefit gives you access to more than 30,000 Benefit Fund providers throughout New York City, Westchester and Long Island, 21,000 of whom are affiliated with our network hospitals. Your medical benefit also includes behavioral and mental health coverage.

If you live outside New York City, Westchester and Long Island, you can choose your providers from the Benefit Fund or Aetna Choice POS II network. All of the Aetna Choice POS II providers accept the Benefit Fund’s payment for most services, and there are no referrals and no out-of-pocket costs or deductibles for covered services.

Remember, if you are referred to non-participating providers—including physicians or services such as anesthesiology, radiology or lab procedures—you could face high out-of-pocket costs. Always check to make sure your provider is in the Benefit Fund’s network.

For lab and radiology services, make sure you use a participating provider.

Who Is Eligible?

Family Coverage — Wage Class I and II

Not sure what Wage Class you are?

Check the front of your Health Benefits ID Card, or click here for an explanation.

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.

Keeping Your Coverage

COBRA Continuation Coverage

COBRA allows you to extend your health benefits when your Benefit Fund coverage ends due to a “qualifying event.”


This benefit provides a financial cushion if you are temporarily unable to work due to non-work-related accidents, injury or illness. 

Paid Family Leave

New York State’s Paid Family Leave (PFL) benefit is administered at no cost to NBF members.

Workers' Compensation

Provided through your employer, this benefit provides health and wage benefits if you are injured or become ill at work.