The current terms of the NFL Player Insurance Plan (“Insurance Plan”) shall remain in effect, except as amended below, and all past and future amendments thereto as adopted in accordance with the terms of that Plan, are incorporated by reference and made a part of this Agreement; provided, however, that the terms used in such Plan and the definitions of such terms are applicable only to such Plan and shall have no applicability to this Agreement unless the context of this Agreement specifically mandates the use of such terms. The Plan will be continued and maintained in full force and effect during the term of this Agreement and must at all times comply with the terms of this Article. Under the Plan, players will receive group insurance benefits, consisting of life insurance, medical, dental, and vision benefits, as follows:
Life Insurance. The Insurance Plan shall be amended effective September 1, 2020 to increase the life insurance coverage as follows:
|Credited Seasons||Life Insurance Coverage|
Medical. Each player will continue to be required to pay an annual deductible of $850 per individual per plan year and $1700 per family per plan year with maximum out-of-pocket expenses of $2000 (including the deductible) for each covered individual. In addition:
the co-insurance paid by a covered individual for services rendered by outof-network providers will continue to be 30% of covered charges; and
the amount paid by a covered individual for non-compliance with pre-certification and emergency admission procedures will continue to be $500 and the reimbursement paid to the covered individual for such services shall be reduced by 50%; and
a prescription drug card will continue to be provided to covered individuals with a three-tier, $15/$25/$50 co-pay.
One physical per year for the covered player and his spouse will continue to be covered.
Dental. Usual, customary and reasonable (“UCR”) dental expenses for all players and their eligible dependents will continue to be reimbursed to players pursuant to the following schedule: (1) Preventive care paid at 100% of UCR, (2) General services paid at 85% of UCR, and (3) Major services paid at 50% of UCR. Each player will continue to be required to pay an annual deductible of $50 per individual per plan year and $100 per family per plan year. The maximum benefit payable will continue to be $2,000 per covered individual per plan year.
Vision. Effective September 1, 2020, the Insurance Plan shall be amended to add a vision benefit for players and their eligible dependents to provide vision benefits to cover some or all of the cost of exams, corrective lenses, frames and contact lenses.
Period of Benefits. Subject to the extension provided in Section 2, players will continue to receive the benefits provided in this Article through the end of the Plan Year in which they are released or otherwise sever employment. Players vested due to their Credited Seasons under the Retirement Plan who are released or otherwise sever employment after May 1 in a calendar year will continue to receive the benefits provided under this section until the first regular season game of the season that begins in the following calendar year. Group benefits are guaranteed during the term of this Agreement unless required to be modified by law. The Insurance Plan shall terminate as to all players as of the last day of the 2030 League Year unless continued under future collective bargaining agreements. If the Insurance Plan is not continued, Claims for services received but not submitted prior to the end of the 2030 League Year shall be paid in accordance with the terms of the Insurance Plan in effect prior to the termination.
Family Medical, Vision and Dental Coverage for Deceased Players.
for the dependents of a player on the Active, Inactive, Reserve/Injured, Reserve/PUP, or Practice Squad roster at the time of the player’s death, coverage will continue for the length of time the player would have been covered had his contract been terminated on the date of his death for any reason other than death;
for dependents of a player who was receiving coverage under this Article at the time of his death, coverage will continue for the remaining length of time that the player would have been eligible under such Section had his death not occurred.
Coverage for Players Receiving Injury Settlements. Section 2.1 of the Plan shall continue to provide that a player who was on a Qualifying List at any time during the preseason shall be eligible for Comprehensive Medical, Vision, and Dental Benefits in the immediately following season if he is paid all or part of his salary for such season pursuant to an Injury Settlement Waiver or an Injury Grievance, as such terms are defined in the CBA, and shall be regarded as being released in that season for purposes of determining the date his eligibility terminates under Section 2.3 and his right to extended coverage, if any, begins, provided, however, that coverage under the Plan will not be provided retroactively for any period of time it was not then available. In addition, the definition of “Continuing Veteran” shall continue to require that a player be regarded as a vested player only if he has earned three or more Credited Seasons.