MCA Health Care Plan

(Full Family Coverage for one rate)

Medical (Includes prescription drugs)

• $2 Million Lifetime Maximum
• Annual Deductible-$400/individual, $800 per family
• Co-pays at 80%/20% after meeting deductible for next $10,000 eligible charges; then 100% for the remainder of the calendar year
• Wellness Benefit-$600 per family, no deductible or co-payment
• Well-Child Care Benefit- No deductible/20% co-pay for eligible charges through age 7
• Prescription Drugs-generics paid as 100%, no deductible; Brand- 80%/20% afterdeductible

Dental

• $1,000 Annual Benefit
• Annual Deductible-$100 per individual/$200 per family
• Preventative Care-eligible charges paid at 100%, no deductible
• Basic Care-eligible charges paid at 80% after deductible
• Major Restorative Care-eligible charges paid at 50% after deductible

Vision

• Annual Benefit of $150 per individual – No deductible/no co-payment

Life Insurance

• $10,000 employee benefit
• $2,500 spouse benefit

Accidental Death and Disability Coverage

Weekly Income Benefit

MCA Pension & 401K Plans

Immediate Vesting

• Employees 100% vested from their first hour of work

Defined Contribution Plan

• No unfunded liabilities for participating companies/Assets are well diversified &               actively managed.

Standard Contribution Rate

• $1.00 per hour, higher contribution rates available

Accepts Davis-Bacon Fringes

• Prevailing wage fringes above $1.00 per hour accepted

Complete Plan Administration Available

• 5500 Preparation/Recordkeeping/Compliance Testing/Plan Document/Benefit Distributions

Contact us for more information on the plans and company participation requirements:

MCA Trusts
Transwestern I Building
PO Box 30181
Billings, MT 59107
(406) 256-9910; Fax: (406) 255-7123

The MCA Health Care and Retirement Trusts cover both hourly and salaried employees. Plans are portable. Employees may remain eligible for coverage if they move between MCAT participating employers.

* Some MCA member companies may not qualify for participation.