The Health Care Benefit Coverage Plan helps members cover their medical expenses. Members can elect to be covered as individuals only or to also cover their children (under the age of 18). All of our Health Care plans extend to both in-patient and out-patient treatments.
We currently offer three (3) plans with increasing maximum annual benefit amounts: Plan A, Plan B and Plan C. Each of these plans is further divided into percentage groups: 20%, 50% and 80% groups. The percentages reflect the amount of reimbursement of covered medical costs. A participant may be enrolled in only one plan and one percentage group of a plan at a given time. Plans and groups differ in the yearly maximum benefit available for available hospital and physician costs.
(For our Health Care Benefit Plan members becoming eligible for MEDICARE, we offer a smooth transition into our Medicare Supplemental Plan. This Plan operates under a separate set of regulations and features competitive rates.)
Eligibility & Enrollment:
Anyone who wishes to be accepted into one of the three (3) Health Care Benefit plans (A, B or C), must be between the ages of 18 and 65, and in good health. Current LRFA members must complete and return form F-9a 
to the LRFA office. Dependent children may be covered under a parent's plan for an additional cost.
Anyone who is not currently an LRFA member must also send in a completed LRFA membership application form F-48(a) along with the appropriate fees.
LRFA Plan Types:
A choice of three (3) plans are offered: Plan A, Plan B and Plan C. Each plan has three (3) groups: 20%, 50% and 80% groups. The percentages reflect the amount of reimbursement of covered medical costs. A participant may be enrolled in only one plan and one percentage group of a plan at a given time. Plans and groups differ in the yearly maximum benefit available for available hospital and physician costs.
Requests for Benefits:
Benefits may be requested from the LRFA office, no later than six (6) months after treatment or examination. The participant must complete and sign a benefit request form, and submit it along with all hospital and physician bills (or legible copies). Bills must clearly show dates of treatment, physician's signature, types of treatment/ operation, diagnosis and costs.
These pages are designed to provide general descriptions of our benefit plans and further restrictions may apply or may have changed. For further information, please contact the LRFA office or refer to specific plan Regulations.
