Coinsurance/Co-Payment Reimbursement Benefit Program Update (January 2021)

HOW TO RECEIVE YOUR CO-PAY / CO-INSURANCE REIMBURSEMENT BENEFIT

The Coinsurance/co-payment reimbursement benefit program is available to all active and retired members and their dependents covered by the Fund, who participate in the Empire Healthy Advantage PPO and EPO Select 20 Plans, provided by the Dutchess Educational Health Insurance Consortium (“DEHIC”).

What is covered?

The Fund will reimburse up to $300 per covered family for any in-network coinsurance and/or co-payment costs incurred under the DEHIC Empire Blue Cross Blue Shield Healthy Advantage PPO and EPO Select 20 Plans.  Once the $300 is reached, the Fund will reimburse 1% of all additional in-network coinsurance and/or co-payment costs incurred during the same period.

When to file a claim?

            Your claim MUST be submitted by 03/31 of the following calendar year for which you’re submitting a reimbursement claim. 

How to file a claim?

            Obtain a coinsurance/co-payment reimbursement benefit claim form from the Fund office or the WCT website – www.wcteachers.org. You must also obtain a claims summary from Blue Cross Blue Shield for your expenses for the claim period and attach it to your claim form. All claim forms must contain a total dollar amount including the 1% at the bottom otherwise it will be returned to you without payment.           

In order to take advantage of this benefit, you can do one of the following options.   

OPTION 1 – (EASIEST & QUICKEST)

LOGIN TO YOUR EMPIRE BLUE ACCOUNT

1.      Hover mouse over “CLAIMS AND PAYMENTS” – Click “CLAIMS & EXPLANATION OF BENEFITS” from the dropdown menu

2.      Scroll down to "CLAIMS HISTORY" and click on "Filter Claims"

·       CLAIM TYPE – MEDICAL

·       DATE RANGE - ENTER 1/1 - 12/31 of prior calendar year.

·       **DON’T APPLY ANY MORE FILTERS **

·       CLICK APPLY FILTERS (BLUE BAR ) AT THE BOTTOM

·       GO TO EXPORT CLAIMS – IT SHOULD OPEN A SPREADSHEET

·       Print the summary to either send via mail or fax.
Print, Fill out and mail or fax the Co-pay/Coinsurance form by clicking this link or under the FORMS TO DOWNLOAD tab on the WCT website along with the your copay/Coinsurance summary.

OPTION 2 – MAKE A CALL

 1.  Print the Co-pay/Coinsurance form by clicking this link or under the FORMS TO DOWNLOAD tab on the WCT website

            2.  Complete the top portion of the form, sign, date, and enter total amount submitted.

            3.  Call Empire at 1-844-951-0622 (this number is on the back of your insurance card). Ask to speak with a customer representative. Follow steps 4-6.

            4.  Request a “CLAIMS SUMMARY” for the calendar year.                                              

            5.  You will only be able to request a “CLAIMS SUMMARY” for you and any dependents under the age of eighteen.  Other family members that are covered under your insurance will need to request their own “CLAIMS SUMMARY”.  This is necessary due to HIPAA privacy regulations.  This request can take place during the same phone call.

            6.  They will send your “CLAIMS SUMMARY” via standard mail.  You may request your information be sent via email, however, you must send them an email requesting the summary.  They will tell you what email to send it to.

HOW TO SUBMIT CO-PAY – CO-INSURANCE FORMS

*** YOU MAY SUBMIT YOUR FORMS VIA REGULAR MAIL OR FAX ***

Mail summaries and forms to:    WCT Welfare Trust Fund c/o Daniel Cook Associates

                            253 West 35^th Street 12^th Floor

                            New York NY  10001

                      OR

Fax summaries and forms to:    1-646-381-8866 (this is a dedicated fax for the WCT)

DOWNLOAD:

Co-Pay/Co-Insurance Instructions 
Updated Co-pay/Co-Insurance Form 2022