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The Schedule of Benefits explains what medical services the Group Health Insurance Program (GHIP) covers and what you pay for covered services.

Only available to participants enrolled in a High Deductible Health Plan (HDHP).

A Health Savings Account (HSA) is an individually-owned, tax-advantaged account that you can use to pay for current or future eligible medical expenses. With an HSA, you’ll have the potential to build more savings for health care expenses or additional retirement savings through self-directed investment options.

Learn how much it will cost to visit the doctor, have labs drawn, get an X-ray and more.

Learn how much it will cost to visit the doctor, have labs drawn, get an X-ray and more.

The Schedule of Benefits explains what medical services the Group Health Insurance Program (GHIP) covers and what you pay for covered services.

The Schedule of Benefits explains what medical services the Group Health Insurance Program (GHIP) covers and what you pay for covered services.

2025 local health plan insurance benefits decision guide for local employees and retirees.

2026 local health plan insurance benefits decision guide for local employees and retirees.

This brochure includes general information about health insurance through ETF.

For UWs use only, as a paper alternative for a member who cannot complete their HSA enrollment online.