Health Plan Highlights
- Low deductible
- Maximum out-of-pocket expense $2,000 per person/$4,000 for a family
- No charge for preventive care services
- $10 copay for primary care visits
- Receive a full body scan every three years
- No referrals needed for specialists and only a $35 copay
- Special programs for members with chronic health conditions
- Non-emergency coverage when you are traveling within the United States
- Access to doctors 24/7 from the comfort of your own home through LiveHealth Online for only a $10 copay
- Exclusive customer service line dedicated to PORAC members
- Out-of-State Plans and a Supplement to Medicare Plan that covers your Medicare cost shares
Prescription Drugs
Retail
| Generic | $10.00 |
| Brand Formulary | $25.00 |
| Brand Non-Formulary | $45.00 |
Mail Order
| Generic | $20.00 |
| Brand Formulary | $45.00 |
| Brand Non-Formulary | $75.00 |
Universal Health Plan Application
Required documents for Universal Health Plan Application:
- California Driver’s License/Government Issued Photo ID
- If Married: Marriage Certificate
- If Domestic Partnership: Domestic Partnership Certificate
- If Children: Birth Certificate
- If Overaged Dependent: Doctor’s certification note
If emailing your Universal Health Plan Applicationto the IBT it MUST be sent as a PDF.
2027 Universal Health Plan Rates
2027 Universal Health Plan
| EmployeeOnly | Employee+1 Dependent | Employee2+ Dependents | |
|---|---|---|---|
| Universal Health Plan | $980.00 | $1,975.00 | $2,570.00 |
| Out of State | $1,300.00 | $2,600.00 | $3,200.00 |
| Non-Medicare Retiree | $1,900.00 | $3,800.00 | $4,395.00 |
| Medicare Retiree | $640.00 | $1,410.00 |
Maximum Out-of-Pocket Expense is $2,000 per person / $4,000 per a family.
Body Scans are subject to one scan every 36 months for the primary subscriber.
Universal Health Plan rates older than five years are available upon written request from the IBT Executive Director.