Your 2025 Benefit Plan

How The Plan Works…

As a Non-Medicare participant you and your eligible spouse may choose from three retirement medical plans. All options provide discounted prescription benefits.

What You Need To Do…

As an eligible spouse of a retiree you must complete an enrollment form for the plan of your choice. As a retiree you are automatically enrolled in the Trust Indemnity Plan and life benefits. If you elect a PPO option you can do so by filling out a PPO enrollment form available here, and returning it to: G.M.P. – Employers Retiree Trust – PPO Enrollment 5245 Big Pine Way, S.E. Fort Myers, FL 33907-5998 Phone (239) 936-6242.

As a Non-Medicare participant in the Trust Indemnity Plan, initially you may change to a PPO option at any time. If you elect the PPO and later want to opt out, you can do so at any time, and return to the Trust Indemnity Plan. You must notify the Trust office in writing of your intent to terminate your PPO coverage. If you choose to re-enroll in the PPO option at a later date, you must wait two years from January 1 following the date you drop out of the PPO option. For instance, if you decide to drop the PPO option effective February 1, 2017, the first time you would be able to re-enroll in the PPO option would be January 1, 2020. (You would be covered by the Trust Indemnity Plan for the remainder of 2017, and all of 2018 and 2019.)

How You Benefit…

A PPO offers several advantages

2025 Plan Benefits	PPO Plus (BCBS)	PPO (BCBS)	Idemnity Plan
Premium Payment	$72.00 per month (lower prescription deductible)	$45.00 per month	Spouse: $35.00 per month Retiree: No monthly premium
Annual deductible	$745 in network $2,235 out of network	$745 in network $2,235 out of network	$2,400
*Coinsurance (amount you pay)	10% In-Network 30% Out-of-Network	10% In-Network 30% Out-of-Network	20%
Annual out-of-pocket maximum	$2,235 In network $6,705 out of network limit	$2,235 In network $6,705 out of network limit	$7,200
Lifetime maximum	$400,000	$400,000	$200,000
Prescription Drug Program	Separate Deductible: $325 If you participate in the mail order program: Generic drugs are covered at 90% "Plan-preferred" brand-name drugs are covered at 75% "Non-plan-preferred" drugs are covered at 60%, if you participate in the mail-order program.*	Separate Deductible: $650 If you participate in the mail order program: Generic drugs are covered at 90% "Plan-preferred" brand-name drugs are covered at 75% "Non-plan-preferred" drugs are covered at 60%, if you participate in the mail-order program.*	Separate Deductible: $650 If you participate in the mail order program: Generic drugs are covered at 90% "Plan-preferred" brand-name drugs are covered at 75% "Non-plan-preferred" drugs are covered at 60%, if you participate in the mail-order program.*

*If you do not participate in the mail-order program for your maintenance prescription drugs, your prescriptions are covered as follows:

Generic prescription drugs are covered at 50 percent;
“Plan-preferred” brand-name prescription drugs are covered at 50 percent;
“Non-plan-preferred” brand-name prescription drugs are covered at 25 percent.

As an additional benefit with the PPO programs, the Trust offers Voluntary Disease Management Programs through Blue Cross/Blue Shield. These programs are free to the Trust PPO participants who have:

History of Cardiovascular disease;
Diagnosis of diabetes, hypertension, high cholesterol, asthma, and/or migraines.

You may call BCBS directly at 855-838-5897 regarding the program.
Please see the brochures for this program which is available to PPO participants only.

Plan of Benefits and Plan Summary of Coverage For more information on the Trust Indemnity Plan and PPO Options:

Plan of Benefits
Plan Summary of Coverage
PPO Enrollment Forms
Direct Payment Enrollment Form
Trust Tribune
Or request them by calling the Trust office: at (239) 936-6242.

Summary of Material Modification

Click here to review the Summary of Material Modification in response to COVID-19