Apple sitting next to a stethoscope

Insurance

Learn about the insurances provided by ETF, such as health, dental and vision insurance.

26ET-2180
Brochure Active Employee / Retiree / Other Benefit Recipient / Local Employer / State Employer

2026 Uniform Benefits Certificate of Coverage

This 2026 Certificate of Coverage is your Summary Plan Description and contains the Uniform Benefits offered under the Group Health Insurance Program.

Video
3 minutes
Woman talking to doctor in office

Get Medical Care When You Need it Fast

Have you ever needed medical care and didn’t know where to turn? In this video you'll learn about your care options and the advantages of each, including which is easiest on the wallet.

24ET-2180
Brochure Active Employee / Retiree / Other Benefit Recipient / Local Employer / State Employer

2024 Uniform Benefits Certificate of Coverage

This Certificate of Coverage is your Summary Plan Description and contains the Uniform Benefits offered under the Group Health Insurance Program.

25ET-2180
Brochure Active Employee / Retiree / Other Benefit Recipient / Local Employer / State Employer

2025 Uniform Benefits Certificate of Coverage

This Certificate of Coverage is your Summary Plan Description and contains the Uniform Benefits offered under the Group Health Insurance Program.

Enrolling For Coverage FAQs

Program Option
  • Local Deductible Health Plan (PO14) & Supplemental Benefits
  • Local Deductible Health Plan with Uniform Dental (PO4) & Supplemental Benefits
  • Local Health Plan (PO16) & Supplemental Benefits
  • Local Health Plan with Uniform Dental (PO6) & Supplemental Benefits
  • Local High Deductible Health Plan (PO17) & Supplemental Benefits
  • Local High Deductible Health Plan with Uniform Dental (PO7) & Supplemental Benefits
  • Local Traditional Health Plan (PO12) & Supplemental Benefits
  • Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
  • State Employee and Retiree Health Plan & Supplemental Benefits

General Information FAQs

Program Option
  • Local Deductible Health Plan (PO14) & Supplemental Benefits
  • Local Deductible Health Plan with Uniform Dental (PO4) & Supplemental Benefits
  • Local Health Plan (PO16) & Supplemental Benefits
  • Local Health Plan with Uniform Dental (PO6) & Supplemental Benefits
  • Local High Deductible Health Plan (PO17) & Supplemental Benefits
  • Local High Deductible Health Plan with Uniform Dental (PO7) & Supplemental Benefits
  • Local Traditional Health Plan (PO12) & Supplemental Benefits
  • Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
  • State Employee and Retiree Health Plan & Supplemental Benefits

Life Insurance Benefit Payout

A benefit may be paid during your lifetime or upon your death.  You or your beneficiary must make sure to follow the correct steps to receive your benefit.

Video
7 minutes
Confused person trying to pick a health plan

Choosing a Plan Design

Not sure where to start when deciding on a health plan? This video will walk you through the first step: choosing a plan design. The video shows the key differences between your options and case studies show how different plan designs would affect a participant’s budget over 3 years.