The following Teamster Retiree Health Insurance and Discounts can help you and your family cut the rising cost of health care.

TEAMStar Medicare Supplement Program

TEAMStar Retiree Health Plan is a supplemental Medicare insurance program designed to protect Teamster retirees, their spouses and their surviving spouses from skyrocketing out-of-pocket health care costs. program advantages include:

• Freedom to choose your own doctors and hospitals—no provided lists

• Automatic Claims Filing Plus—virtually eliminates paperwork

• Nationwide availability—available in all 50 states and District of Columbia

• Competitive group rates—not available to the general public

All Teamster retirees and their spouses and surviving spouses who have Medicare Parts A and B.

TEAMStar Medicare Part D Prescription Drug Program

This is prescription drug covers for Teamster retirees and their spouses who are enrolled in Medicare. Approximately 75% of the cost of this insurance is paid for by Medicare. The balance is paid for by the beneficiary in the form of a monthly plan premium. IBT retirees and spouses who are enrolled in Medicare can enjoy the following advantages:

• Nationwide availability—available in all 50 states and District of Columbia

• Comprehensive drug coverage and pharmacy network—Over 2,100 drug prescriptions available through over 50,000 pharmacies nationwide

• Coverage options—Two plans to choose from

• No annual deductible—plan begins paying immediately

• Competitive group rates not available to the general public

All Teamster retirees and their spouses and surviving spouses who are enrolled in Medicare.

TEAMStar Early Retiree Health Plan

This plan provides a limited benefit, basic hospital/surgical coverage. Limited benefits include hospital and surgical expenses, physician charges, outpatient non-surgical charges, ambulance changes and an accidental death benefit. IBT retirees and their families, ages 0-64, who are not covered by a major medical plan are eligible for this coverage. Attractive plan features include:

• Freedom to choose your own doctors and hospitals—no provided lists

• Coverage options—Two plans to choose from

• Competitive group rates not available to the general public

All Teamster retirees, their families, who are not covered by a major medical plan.

All Teamster members, retirees and their dependents whose prescription drugs are not covered.

U.S. Teamster members, retiree and their family members, including parents and extended family. This program is not available to members living in Canada.

Benefits vary slightly in some states. Details provided in membership materials.