Retiree Health and Welfare Benefit Summaries

Plan M allows a Participant to enroll in any Medicare HMO of his choice in the area where he lives. In this case, all medical, hospital and prescription drugs must be obtained from the Medicare HMO. The Fund will then provide benefits only for:

• Hearing aids
• Chiropractic care
• Dental care
• Death Benefits

Participants who want to elect Plan M must complete an Authorization Form and return it to the Fund Office, along with written confirmation from the Medicare HMO of the effective date of coverage with the HMO. The monthly premium for Fund coverage will be adjusted on the first day of the month following receipt of the Authorization Form and written HMO confirmation.Participants cannot enroll in a Medicare HMO if any of following apply:

• They reside outside the service area of the HMO
• They have End-Stage Renal Disease (ESRD)
• They do not have Part B Medicare
• They are currently receiving Medicare Hospice benefits

Participants in Plan M pay a lower monthly premium to the Fund for their coverage. The premiums are set by the Trustees and may be adjusted from time to time. The Participant must pay the Medicare HMO premium, if any, directly to the HMO.