This website provides access to the Preferred Provider Directory, Summary Plan Description, Claim Forms, and Enrollment Form. It also provides access to the Pension Summary Plan Description.
Because preferred providers save you and your Trust Fund money, the Northern Nevada Laborers Health & Welfare Trust Fund has created this Web Site for your ease and convenience in finding the provider you need. Just click on Download Provider Directory and follow the instructions.
REMEMBER – After you have selected your provider, check the exact location at which the provider is listed. Physicians may practice at several different locations, but may NOT be a PPO at all locations. This means that they are PPO providers ONLY in the area or areas in which they are listed in the Preferred Provider Directory.
Just because a specialist is listed in your Directory does not mean that all services provided are covered benefits. Read your Summary Plan Description (SPD) book carefully. If you do not understand the benefits or if you are uncertain if a service is a covered benefit you may call the Trust Fund Office for assistance at (775) 826-7200.
All services and all providers listed in this directory may not be covered under your health care plan. You must consult your health care plan description to determine what providers and services are covered. Failure to do so before incurring medical expenses may result in you not being reimbursed for certain medical expenses. This is a directory of preferred providers participating as independent contractors to the Trust Fund. This list is subject to change without notice. Every effort has been made to obtain and print correct information in this directory; however, the Trust Fund will not be responsible for inadvertent errors or omissions.
GRANDFATHERED HEALTH PLAN REMINDER
The Board of Trustees believes that the Northern Nevada Laborers Health & Welfare Trust Fund is a “grandfathered health plan” under the Affordable Care Act (“ACA”). As permitted by the ACA, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that ACA was enacted. Being a grandfathered health plan means that your Plan is not required to include certain consumer protections of the ACA that apply to other plans (known as a Non-Grandfathered plan), for example, requiring the provision of preventive health services without any cost sharing. Grandfathered health plans must comply, however, with certain other consumer protections in the Act, such as the elimination of annual and lifetime limits on Plan’s essential health benefits. (For a definition of what constitutes as Essential Health Benefits, please visit www.healthcare.gov/glossary/essential-health-benefits.)
Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the Plan Office at (775) 826-7200. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor (DOL) at 1–866–444–3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.