WHEN COVERAGE BEGINS
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Individual Plan
In order to be a participant in, and receive coverage under, the Individual Plan, you will need to pay a quarterly premium of $315 (unless you are covered under the Senior Citizen Program, in which case a different premium applies). Coverage does not begin when your eligibility begins. It begins when the required premium is paid in a timely manner. This premium must be paid to the Fund in advance of each quarter.
The Fund office sends invoices on a quarterly basis. The invoice will indicate a due date. Your premium payment is due by that date. To remain covered, quarterly payments are due on the following dates:
Purchasing Coverage for Your Dependents
If you do not earn enough to qualify for Family Health Plan coverage, you may purchase coverage for your dependents when you become eligible for the Individual Health Plan. Payments are quarterly and must be made at least 15 days prior to the start of the quarter for which coverage is being purchased.
The quarterly premium for this "buy‑up" is set by the Trustees and may change from time to time. You can find the current cost of the “buy-up” by calling the Fund office in New York.
If you decide to buy up to Family Plan coverage, you will still need to pay the Individual Plan premium plus the Family Plan “buy-up” premium, but you will not need to pay the Family Plan dependent premium described in the following sections. (See “When a Dependent’s Coverage Begins” for a description of what happens when you decline coverage.)
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Individual Plan
In order to be a participant in, and receive coverage under, the Individual Plan, you will need to pay a quarterly premium of $315 (unless you are covered under the Senior Citizen Program, in which case a different premium applies). Coverage does not begin when your eligibility begins. It begins when the required premium is paid in a timely manner. This premium must be paid to the Fund in advance of each quarter.
The Fund office sends invoices on a quarterly basis. The invoice will indicate a due date. Your premium payment is due by that date. To remain covered, quarterly payments are due on the following dates:
| Coverage Period | Premium Due Date |
| July 1 – September 30 | June 15 |
| October 1 – December 31 | September 15 |
| January 1 – March 31 | December 15 |
| April 1 – June 30 | March 15 |
Purchasing Coverage for Your Dependents
If you do not earn enough to qualify for Family Health Plan coverage, you may purchase coverage for your dependents when you become eligible for the Individual Health Plan. Payments are quarterly and must be made at least 15 days prior to the start of the quarter for which coverage is being purchased.
The quarterly premium for this "buy‑up" is set by the Trustees and may change from time to time. You can find the current cost of the “buy-up” by calling the Fund office in New York.
If you decide to buy up to Family Plan coverage, you will still need to pay the Individual Plan premium plus the Family Plan “buy-up” premium, but you will not need to pay the Family Plan dependent premium described in the following sections. (See “When a Dependent’s Coverage Begins” for a description of what happens when you decline coverage.)
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