Welcome! Please carefully read the following Terms and Conditions of Use ("Terms of Use") before using this website ("Site") for the NECA/IBEW Family Medical Care Plan (“Plan”). By using this Site, you agree to follow and be bound by these Terms of Use, which govern your use of the Site. You also agree that you will not use the Site for any purpose that is unlawful, violates any third party’s rights, or is prohibited by these terms, conditions, and notices. The Plan may periodically modify these Terms of Use, and any such modifications will be effective immediately upon posting. Your continued use of the Site after any such modifications shall constitute your agreement to be bound by any such changes. The Plan may modify, suspend or discontinue all or any portion of the Site without notice or liability. Therefore, we suggest that you periodically check these Terms of Use for modifications. If you do not agree to these Terms of Use, do not use this Site.

The materials on this Site are for informational, educational, and noncommercial purposes only. The information on this site is provided on an "AS IS" basis and the Plan specifically disclaims any express or implied warranties, including without limitation, warranties of fitness for a particular purpose, warranties of merchantability or warranties against infringement. You may use the content to learn about the benefits and services of the Plan. Although the information on the Site is generally deemed to be accurate, no warranty is made that the information is error-free. The information contained within the Plan’s web pages may be, at any time, outdated and may include inaccuracies and/or errors. Information may change at any time without notice. In addition, information on this Site does not overrule the official plan documents, rules and regulations of the Plan. Only the Trustees of the Plan are empowered to interpret the Plan documents and its rules and regulations.

The Plan has provided links to outside sites, but is not responsible for the content or the availability of these sites. The Plan does not regularly review materials posted on the linked sites, nor does it endorse all of the materials appearing at such sites. Any use of the links provided to other sites shall be at the sole risk of the user.

Certain parts of this Site may be protected by passwords or require a login. Further, for authentication purposes, certain features on this Site may require you to answer a designated security question. You agree to provide the Plan with current, complete, and accurate information as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on this Site, or to any other protected information, through any means not intentionally made available to you by the Plan.

You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords, and security questions and answers that you use to access any page or feature on this Site, and for logging off of your account and any protected areas of the Site. Further, you are fully responsible for all activities occurring under your accounts, user names, logins, passwords, and security questions and answers that result from your negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. If you become aware of any suspicious or unauthorized conduct concerning your accounts, user names, logins, passwords, or security questions and answers, you agree to contact the Plan immediately. The Plan will not be liable for any loss or damage arising from your failure to comply with this paragraph.

Products and services provided to you through this Site may involve the electronic transmission, including via any e-mail address you provide to us, of information that you may consider to be personal financial information and you consent to such transmission.

The users of this website may submit personal information to the Plan or other third parties mentioned in the Site electronically by clicking "Submit" where indicated. The Plan is unable to ensure that the data submitted electronically will not be intercepted by third parties, regardless of whether the user selects a web browser with security features. All submission of personal information shall be at the user's own risk, and the Plan shall not be liable for any damages therefore, including consequential damages.

The information provided on the Site does not represent a guarantee of coverage or specific payment. All health plan benefits are subject to the applicable terms, conditions, and limitations governing your participation in the Plan, including but not limited to eligibility, exclusions, limitations, and other requirements.

The Site and all content and images contained therein, as well as all copyright, trademark, trade dress, and other rights therein, are owned or licensed by the Plan and its affiliates. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any license or right in or to such information or trademarks without the express written permission of the Plan. You agree not to copy, sue or otherwise infringe upon any trademarks or service marks contained in the Site. You further agree that you will not alter or remove any trademark, copyright or other notice from any copies of information downloaded from the Site.

The Site may contain links to third-party websites. These links are provided for your convenience and the Plan is not to be held responsible for information contained in any third-party websites, regardless of whether there are connections to or from the Plan via hyperlinks and/or pointers. The Plan does not have control over any information on any other organization’s website(s).

UNDER NO CIRCUMSTANCES WILL THE PLAN OR ANY OF ITS TRUSTEES, EMPLOYEES, AFFILIATES, AGENTS OR OTHER RELATED OR THIRD PARTIES MENTIONED IN, OR INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE BE LIABLE FOR ANY DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, COMPENSATORY, DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES, LOST PROFITS, LOSS OF PROGRAMS OR DATA WHATSOEVER ARISING OUT OF YOUR ACCESS TO, USE OF, INABILITY TO USE OR THE RESULTS OF USE OF THIS SITE OR ANY HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED WEBSITE WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT THE PLAN WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE PLAN SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY ACTS, OMISSIONS OR CONDUCT OF ANY USER OR OTHER THIRD PARTY.

The Plan does not assume any responsibility or risk for your use of the Site, is not responsible for any changes that may be required by your Internet Service Provider, and will in no event be liable to you or anyone else in reliance upon the information provided through the Site. Applicable laws of your jurisdiction may give you additional rights or may limit the effect of the waivers contained herein.