As you know, each time you utilize your NOITU Insurance Trust Fund Health Benefits, an Explanation of Benefits (EOB) statement is mailed directly to your home describing how much your Doctor, Hospital, Laboratory, etc. is paid, including when and for what type of service.

In an effort to enhance the Fund's compliance with Federal HIPAA Privacy Regulations, the NOITU Insurance Trust Fund Board of Trustees has decided that, effective January 1, 2010, each adult dependant will receive his/her own EOB statement at the Members address. In other words, if your spouse or dependent child (age 18 or older) has been to the doctor, hospital, etc., an Explanation of Benefits (EOB) will be addressed directly to the adult patient and sent to the primary address maintained in the NOITU Insurance Trust Fund's data base.

While this is the Fund's policy that will be uniformly applied to every participant, you will still have the opportunity to request special consideration. If, for example, your Spouse or your adult dependent child wish to allow for their EOB to be sent to a different address than the Members primary address, or if they wish to continue to have the EOB issued in the Members name, then the adult dependent must provide the Fund with a signed, notarized release authorizing the NOITU Insurance Trust Fund to address future EOBs to the Member and not to the patient at a specified address.

This same process will be applied to health benefit checks issued to participants for services rendered by out-of network providers. Please understand that, most of the time, checks are made payable directly to the providers, but there are times that the providers insist that they be paid immediately and leave the task of filing an insurance claim up to you. It is under this circumstance that the check would be payable to the patient and not to the provider. If, for example, your 18 year old child is the patient and you submitted a claim to the NOITU Insurance Trust Fund, we would then (unless instructed to do otherwise) issue the check payable to the 18 year old child along with the attached EOB.

Of course if you have any questions concerning the above you are welcome to contact the NOITU Insurance Trust Fund Member Services Department at (718) 291-3434, extension 604 or 697