The National IAM Benefit Trust Fund offers two affordable and competitively priced vision plans, which are administered by EyeMed. Benefit Trust Fund vision plans provide coverage for basic vision care, such as routine eye exams, lenses and frames. Covered employees and their eligible dependents may participate in a Benefit Trust Fund vision plan if it is negotiated into the Collective Bargaining Agreement.
Vision Coverage and Services
With a Benefit Trust Fund vision plan, you can visit any qualified vision care provider you choose. There is no network associated with the Benefit Trust Fund vision plans.
Benefit Trust Fund vision plans cover routine eye exams, lenses and frames. Contact lenses are also covered if purchased instead of lenses and frames. Benefits are payable once every calendar year. If you are reimbursed for covered vision services received in November, for example, you can be reimbursed for the same vision services the following January.
When there is no provider available:
You have the right to obtain in-network level of benefits with an out-of-network provider when: (i) you cannot schedule a visit within two-weeks, (ii) you are unable to locate a participating provider within a 10-mile radius in an urban-suburban area, or (iii) you are unable to locate a participating provider within a 20-mile radius in a rural area. You must submit a claim form to EyeMed for reimbursement. Complete the Out-of-Network claim form, which includes additional information and requirements. Caution, this option is not available when you choose to use an out-of-network provider due to (i) your preference or (ii) when your personal schedule does not permit you to schedule an appointment with an available provider in two-weeks. Any person who, with intent to defraud or knowing that he or she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.