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Table Of Contents

About This Handbook
Section 1: Eligibility and Enrollment
	Covered Earnings
	How To Become Eligible For Benefits
	Who's Eligible
	When You Lose Eligibility
	How To Convert Coverage (California Residents)
Section 2: Medical Benefits
	Paying For Your Care
	How The Regular Plan Works
	How The Industry Health Network Works (For Southern California Only)
	How The Low Option Plan Works (For COBRA Participants and Extended Coverage Participants Only)
	How The Special Features Of The Regular Plan And Low Option Plan Work
	How Your Prescription Drug, Mental Health And Substance Abuse, And Vision Benefits Work Under The Regular Plan And Low Option Plan
Section 3: Dental Benefits
	How The Delta Preferred Option (DPO) Works
	How The DeltaCare Dental HMO Works
Section 4: What else you should know about your Health Care Plans
	Newborn's And Mother's Health Protection Act
	Qualified Medical Child Support Orders
Section 5: Protection Benefits
	How The Life Insurance Plan Works
	How The Accidental Death And Dismemberment (AD&D) Plan Works
Section 6: Administrative Information
	General Information
	Your Rights Under The Employee Retirement Income Security Act Of 1974 (ERISA)
	Claims And Appeals Rules
	Your Rights Under The Health Insurance Portability And Accountability Act (HIPAA)
	Participants Who Are Unable To Be Located
	Right Of Reimbursement And Subrogation
	Overpayments
	When A Plan Changes Or Ends
	About This Handbook
Section 7: Other Resources
	Frequently Asked Questions
	Tips On How To Talk To Your Doctor
Section 8: Glossary
Index
Summary of Material Modifications to the Health Plan revised July, 2009
Summary of Material Modifications to the Health Plan revised May, 2010

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