We want to ensure our members and their families to get the most out of the benefits we provide them by providing the most up-to-date library of resources.
for Active participants & Pre-Medicare retirees effective May 1, 2023
To incentivize the use of lower cost services, Carpenters Health Plan has removed or reduced the cost for lab and radiology services, respectively, when specific facility-types are used.
Labs Costs for our participants and health plan are significantly less when you use independent labs, such as LabCorp and Quest facilities. In fact, there is significant access to both LabCorp and Quest facilities in our most populated areas. To incentivize independent lab use, the copay and deductible for labs performed at LabCorp and Quest facilities have been removed. Participants and families are encouraged to use LabCorp and Quest labs whenever possible to eliminate personal out-of-pocket cost.
Please note: There is no change to out-of-pocket costs for facility labs, such as hospital labs.
LabCorp / Quest lab
You pay $0 copay / 0% coinsurance
Facility / Hospital-owned lab
You pay deductible & 20%
Radiology Radiology services at hospital system-owned facilities cost more than twice the amount of radiology services at free-standing facilities. Free-standing facilities include locations such as Metro Imaging or Diagnostic Imaging Centers in St. Louis and Kansas City, respectively.
To incentivize radiology services at free-standing facilities, the Plan is implementing a standard $25 copay with no deductible for services performed at free-standing facilities. This includes Carpenters Wellness Center referrals to Metro Imaging.
Please note: There is no change to out-of-pocket costs for radiology services performed within hospital-owned radiology centers.
Free-standing facility
You pay $25 copay / 0% coinsurance
Hospital system-owned facility
You pay deductible & 20%*
**Individual deductible is $300. Assuming deductible has been previously met, on average, 20% coinsurance due for a hospital system-owned facility would be approximately $96.
