The CARE Health Plan offers a secondary plan for BNSF employees and dependents whose primary coverage is through Aetna US Healthcare, Cigna, Highmark, United Healthcare Plan GA23000, United Healthcare Plan GA107300, and United Healthcare 0690100.

Beginning January 1, 2023, Plan #3000 will reimburse you for up to $350 of your deductible in full for covered services, with the remainder of the deductible (if applicable) being reimbursed at 20%. CARE will reimburse you for the difference between the Amount Allowed* and the Amount Paid by your primary carrier, not to exceed 20%. For members covered under a Managed Care Plan, CARE will reimburse you for any copayments charged by the Primary carrier. Should you receive medical services from an Out-of-Network provider through your Primary plan, CARE will reimburse you for the difference between the Amount Allowed and the Amount Paid by your Primary carrier, not to exceed 20%. The annual limit for this plan is $3,350 (including the deductible).

With Railway employees being responsible for more out-of-pocket these days, including deductibles, coinsurance, copayments, or similar charges, it pays to have a supplement that can help you. CARE is currently having an Open Enrollment for Plan #3000, therefore, feel free to share this news with your fellow coworkers and their families.

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For Plan Year 2022, Plan #3000 will reimburse you for up to $200 of your deductible in full for covered services, with the remainder of the deductible (if applicable) being reimbursed at 20%. CARE will reimburse you for the difference between the Amount Allowed* and the Amount Paid by your primary carrier, not to exceed 20%. For members covered under a Managed Care Plan, CARE will reimburse you for any copayments charged by the Primary carrier. Should you receive medical services from an Out-of-Network provider through your Primary plan, CARE will reimburse you for the difference between the Amount Allowed and the Amount Paid by your Primary carrier, not to exceed 20%. The annual limit for this plan is $2,200 (including the deductible).

* The Amount Allowed must have been considered for payment by the Primary carrier in order for CARE to consider for supplemental payment. For Precertification and Utilization Review, members in this Plan MUST follow the criteria established by the Primary Carrier.

Retired Railway employees and their dependents who have United Healthcare  GA23111-E are eligible for secondary coverage under this plan.

This plan will reimburse you for up to $200.00 of your deductible in full for covered services, with the remainder of the deductible (if applicable) being reimbursed at 20%. CARE will reimburse you for up to 30% of the Amount Allowed * by the GA23111-E plan. The annual limit for this plan is $2,200 (including the deductible).

* The Amount Allowed must have been considered for payment by the Primary carrier in order for CARE to consider for supplemental payment. For Precertification and Utilization Review, members in this Plan MUST follow the criteria established by the Primary Carrier.

Claims must be submitted as soon as possible and received by CARE NO LATER than one (1) year from the date your Primary and/or Secondary Carrier processed the claim.  Incomplete information or an incorrect mailing address WILL result in the delay of payment.