For IPF:
Phone: 1-888-880-8222
Fax: 202-347-7339

For IHF:
Phone: 1-888-880-8222
Fax: 202-383-3905

620 F Street, NW
Washington, DC 20004

About Us


Winter 2007/2008

BAC Announces AARP® Supplemental Insurance for Retirees
Union Builds Coalition to Bridge Gaps in Retiree Healthcare Coverage

BAC and the International Health Fund (IHF) are pleased to announce a new program tailored to supplement the Medicare coverage of retired Union members. AARP® Medicare Supplement Insurance Plans bring the purchasing power of 2.6 million individuals to the table, giving retired BAC members a range of affordable supplemental healthcare options. The program, being offered in partnership with the AARP and United HealthCare, is intended only for BAC retirees who are 65 years of age or older.

Although members can apply for these plans on their own, BAC retirees who are currently 65 years of age or older and enroll in one of 12 AARP® Medicare Supplement Plan options as part of our program will:

  1. Not be individually medically underwritten for rates. This is a significant feature, particularly for individuals with medical or health conditions who would otherwise pay higher rates in some circumstances. In other words, members will receive the best rates available to them regardless of their medical condition. For BAC members coming in through this program, individual medical underwriting for establishing premium rates is being waived for:

    • All members and their spouses currently 65 or over during the initial enrollment period, which expires March 31, 2008.
    • All pre-65 members when they reach age 65 and enroll in Medicare Parts A and B on an on-going basis.
    • Local Funds that decide to transfer their members’ current post-65 retiree coverage to the AARP® Medicare Supplement Insurance.
    • Individuals covered by another retiree health care option who lose their coverage

    There is an exception to those individuals who currently have End Stage Renal Disease (ESRD), are currently receiving dialysis, or have been diagnosed with kidney disease that requires dialysis. These individuals may not be eligible for AARP® Medicare Supplement coverage. However, if a member enrolls in a plan and later develops (ESRD) their coverage will continue without an illness-related increase in their premium. This exception does not apply to retirees who are turning 65 and first enrolling in Medicare.

  2. Not have to pay first year AARP membership fee. Members and their spouses applying for coverage individually, or a local fund applying for a group of members, will have their first year’s membership fee paid for by United HealthCare if they are not currently an AARP member. Beyond 2008, an individual may wish to continue the benefits and publications from their AARP membership and pay the annual AARP membership dues which are currently $12.50 per household.

  3. Have access to a dedicated Retiree Solutions Client Manager to assist with service issues and to provide special customer service for BAC Locals.  During open enrollment and when our retirees have questions throughout the year, the customer service center at 1-800-545-1797 will be able to help them with information specific to this arrangement. Retirees will need to identify themselves as BAC members when calling.

The deadline for individual retirees who are 65 or older to enroll in the Medicare Supplement Plan and take advantage of the “no medical underwriting” feature is March 31, 2008. Any Local Fund that currently offers retiree medical benefits can switch their plan offering to the AARP® Medicare Supplement plans and enroll at any time with no medical underwriting.

For more information regarding the AARP® Medicare Supplement Insurance Plans contact the IHF at 1-888-880-8222 or your Local Union today!