Benefit changes coming in 2024 for UAW Retiree Medical Benefits Trust members

Starting Jan. 1, 2024, there will be several changes to the UAW Retiree Medical Benefits Trust members’ health plan benefits. We’re providing a summary of those changes below.

Enhanced Care Plan, known as ECP, and Traditional Care Network, or TCN, plans:

Cost share updates for General members

• The in-network deductible is reduced to $175 for individuals and $450 for families.
• In-network coinsurance has been removed; it’s now $0.
• The in-network out-of-pocket maximum is reduced to $175 for individuals and $450 for families.

Cost share updates for Protected members

• GM and Chrysler Protected members: In-network deductibles, coinsurance and out-of-pocket maximums have been removed; they are now $0.
• GM and Chrysler Protected members: Out-of-network coinsurance is reduced to 10%.
• Ford Protected members: Out-of-network out-of-pocket maximums will be capped at $3,000 for individuals and $5,500 for families to match GM and Chrysler Protected. Currently, the out-of-pocket maximum for out-of-network services is unlimited.



Note: In 2024, the ECP and TCN Protected class plans will be aligned for all Protected members.

Office visits

• ECP members:
• In-network primary care physician, or PCP, office visit copayment is removed; it’s now $0.
• In-network specialist office visit copayment is reduced to $10.
• TCN members: Office visits are now a benefit when performed by an in-network provider.
• In-network PCP office visit copayment is $0.
• In-network specialist office visit copayment is the lesser of $10 or 20% after coordinating with Medicare.
• Additional covered office-related services that are performed as part of an office visit are payable at 100%

These office copay changes also apply to the following services:

• Office/outpatient consultation
• Outpatient presurgical consultation
• Telemedicine visit (Blue Cross provider)
• Virtual Care by Teladoc® (replaces Blue Cross Online VisitsSM)
• Advance care planning
• Routine physical/annual exam
• Gynecological exam
• Routine vision exam
• Diabetic retinopathy exam
• Well-child visit

Note: Be sure to refer to the member’s eligibility and benefits for additional coverage details.

Urgent care and retail health clinic copays

• General members: Urgent care and retail health clinic copayments are reduced to $40.
• GM and Chrysler Protected members: Urgent care and retail health clinic copayments have been removed; they are now $0.

Note: Ford Protected members currently have $0 urgent care and retail health clinic copayments.

Acupuncture

Acupuncture is a benefit for the treatment of chronic lower back pain only for ECP members when an individual has been referred by their treating physician to a licensed acupuncturist. Coverage is subject to the new in-network cost share described above. Services rendered by an out-of-network provider are not covered.

Blue Care Network plans

Cost share updates

• General members: The in-network deductible is reduced to $250 for an individual and $525 for families.

Office visit copays

• General members: In-network primary care provider office visit copayment is reduced to $15; the specialist office visit copayment is reduced to $25.
• Protected members: In-network primary care provider and specialist office visit copayments are reduced to $15.

Urgent care and retail health clinic copays

• General members: In-network urgent care and retail health clinic copayments are reduced to $40.
• GM and Chrysler Protected members: In-network urgent care and retail health clinic copayments are reduced to $40.

BCN Advantage℠ plans

Cost share updates

• General members: In-network deductible is reduced to $250 for individuals and $525 for families.

Office visit copays

• General members: In-network primary care provider office visit copayment is reduced to $15; the specialist office visit copayment is reduced to $25.
• Protected members: In-network primary care provider and specialist office visit copayments are reduced to $15.

Urgent care and retail health clinic copays

• General members: In-network urgent care and retail health clinic copayments are reduced to $15.
• GM and Chrysler Protected members: In-network urgent care and retail health clinic copayments are reduced to $15.

Medicare Advantage Prescription Drug, or MAPD, plans:

Cost share updates

• General members: In-network deductible, coinsurance and out-of-pocket maximum (for deductible and coinsurance services only) have been removed; they are now $0. The in-network out-of-pocket maximum of $1,500 for copay-based services still applies.
• Coinsurance applies for Part B medical drugs dispensed at a retail pharmacy or through mail-order:
• 10% coinsurance up to dollar maximum equal to copay value ($33 or prorated for days’ supply of brand medications and generic medications are payable at 100%)

Note: The $500 out-of-pocket maximum remains in place for this benefit only.

Office visit copays

• General members: In-network primary care provider office visit copayment is reduced to $0, and the specialist office visit copayment is reduced to $10.

Urgent care and retail health clinic copays

• General and Protected members: In-network urgent care and retail health clinic copayments are reduced to $15.

As always, remember to check benefits and eligibility.