Through Promise Labor Benefits (PLB), union retirees who previously could only buy Medicare coverage on the individual market now have access to two Medicare Advantage Prescription Drug (MAPD) group plans designed exclusively for union retirees. These plans leverage the collective bargaining power of America's largest labor coalitions to deliver outstanding coverage at the best price.

2027 plans:

• Promise Standard: $55.51/month
• Promise Plus: $243.04/month

Key benefits include:

• No Health Questions: Every eligible retiree, spouse, and surviving spouse is accepted regardless of health history. There is no medical underwriting.
• Continuous Open Enrollment: Funds may adopt, and retirees may enroll at any time of year, with no annual enrollment window required.
• Nationwide Coverage: Members may see any doctor, hospital, or provider in the United States who accepts Medicare, without paying a higher out-of-network rate.
• Prescription Drug Coverage for 99.6% of all Medicare-allowed Part D drugs.
• Hearing, vision, and dental benefits, plus home visits and gym memberships.

These plans are voluntary and fully retiree-funded, so funds can offer meaningful benefits at no additional cost. Full plan administration is included in the premiums, and all regulatory requirements are the responsibility of PLB, not the offering fund.

To learn more, visit www.promiselaborbenefits.com. Retirees can call (855) 855-6942 or email info@promiselaborbenefits.com to ask questions and find out more.. 

If your fund has questions, would like to schedule an educational session for your retirees, or would like to discuss offering PLB, contact Nicole Allen directly at nallen@promiselaborbenefits.com or Mark Whitcher at mwhitcher@promiselaborbenefits.com.

NYLHCA is committed to providing high-quality benefit solutions for our member funds, and we believe Promise Labor Benefits is an important resource for retirees seeking comprehensive Medicare coverage.