Business Details
50+ Years
experience
Your Trusted Healthcare Benefits Provider
Established in 1949, the Mctwf (MCTWF) was created to provide Teamsters and their families with comprehensive healthcare benefits and services. Over 70 years later, the Fund continues its mission to deliver affordable, high-quality benefit packages while maintaining a focus on exceptional service for participants and beneficiaries. The Fund operates as a Taft-Hartley plan, ensuring alignment with educational and operational requirements for Teamster Union representatives and contributing employers. With a self-funded structure, MCTWF serves over 42,000 participants across Michigan and several other states, offering access to nationwide provider networks. The Funds administrative headquarters in Detroit, Michigan, employs over 90 dedicated professionals to support its mission.MCTWFs goals remain rooted in its founding principles: providing cost-effective health and welfare benefits and maintaining the highest professional standards. The Funds website serves as a resource for participants to access plan details, annual reports, and essential updates. MCTWF also offers specialized programs, including wellness initiatives, telehealth services, and prescription drug coverage, to meet diverse healthcare needs. Through its commitment to transparency and participant engagement, the Fund provides tools like secure email communication and downloadable plan documents. MCTWFs long-standing reputation reflects its dedication to being a trusted group health plan option for Teamster members and their families.
Services
Medical Benefits
Dental Coverage
Optical Services
Prescription Drugs
Disability Benefits
Retiree Benefits
Death Benefits
Provider Networks
Wellness Programs
Telehealth Services
Details
- Year established: 1949
Highlights and features
- We offer 70+ years of experience in providing healthcare benefits to Teamsters and their families.
- Our self-funded plan structure ensures cost-effective, comprehensive coverage for participants.
- We provide access to nationwide provider networks for medical, dental, and optical services.
- Our dedicated team of 90+ professionals ensures personalized service and support.
- We prioritize transparency with tools like secure email communication and detailed plan resources.
Services
Medical Benefits
MCTWF provides medical benefits through the Blue Cross Blue Shield (BCBS) PPO Network, covering in-network and out-of-network services. Participants receive comprehensive care from physicians and hospitals, with benefits adjusted based on network status. The plan includes preventive care, hospitalization, and specialist visits, ensuring minimal out-of-pocket costs for in-network providers.
Dental Coverage
Dental benefits are offered through Delta Dentals Premier and PPO Networks, covering exams, cleanings, and major procedures like crowns and orthodontics. In-network providers reduce costs, while out-of-network services follow a fee schedule. Benefits include annual maximums and lifetime coverage for eligible dependents, ensuring accessible oral healthcare.
Prescription Drugs
MCTWFs prescription drug program partners with CVS/Caremark for retail and mail-order medications. Participants receive up to a 90-day supply with copayments based on generic or brand-name fills. Specialty medications are available through personalized support, ensuring access to treatments for chronic and genetic conditions.
Retiree Benefits
Retirees receive medical and prescription drug benefits until age 65 or Medicare eligibility. Additional coverage includes hearing, vision, and Dental Plan 2 for supplemental programs. Self-contribution requirements and eligibility rules are outlined in plan documents, ensuring continued support for retired participants and spouses.
Wellness Programs
Wellness initiatives promote proactive health management through screenings, immunizations, and preventive care. In-network services waive copays and deductibles, encouraging regular check-ups. Programs cater to adults and children, focusing on early detection and long-term health improvement through personalized care plans.
Questions
What healthcare services does MCTWF cover?
MCTWF covers medical, dental, optical, prescription drugs, disability, retiree, and death benefits. Specific details depend on your plan’s Schedule of Benefits.
How can I access my plan documents?
Visit the MCTWF website to download your Summary Plan Description, Schedule of Benefits, or contact Member Services for assistance.
Are there telehealth options available?
Yes, MCTWF partners with MDLIVE for telehealth services, allowing virtual consultations with healthcare providers for convenient care.
What provider networks are available?
MCTWF partners with BCBS for medical, Delta Dental for dental, EyeMed for vision, and CVS/Caremark for pharmacy services.
