Local 205 Member Resource

Know Your Union Fringe Benefits

Your wages are only one part of your total union compensation. Your fringe benefits help protect you and your family. This page gives members a video summary and direct access to benefit resources and documents.

Watch the Video View Benefit Documents

Watch: Fringe Benefits Video Summary

This short video provides a general overview of health-related fringe benefits, including medical coverage, prescription drug coverage, dental benefits, vision benefits, the Vacation Benefit, common health plan terms, and where to find help.

Important: This video is a general summary only. Official plan documents and applicable Fund rules control eligibility, coverage, exclusions, limitations, claims, and appeals.

Start Here

For official benefit information, visit the MARCC benefits website or contact the Fund Office.

Visit MARCC Benefits Website Call Fund Office: (301) 839-8800

Share this member resource: carpenters205.org/benefits

Members should use the MARCC benefits website and official plan documents for current information about eligibility, coverage, claims, exclusions, limitations, and benefit administration.

Benefit Documents

Use the links below to review available benefit documents. Members should rely on the official plan documents and the MARCC benefits website for current benefit information.

Medical Benefits

Benefits at a Glance Medical benefit summary and PPO coverage overview. Summary of Benefits and Coverage Deductible, out-of-pocket limits, covered services, and cost-sharing summary.

Dental Benefits

Cigna Dental Benefit Summary Dental PPO preventive coverage, limits, and member cost-sharing summary. Cigna Dental Plan Document Detailed dental plan booklet, claims information, limitations, and exclusions.

Vision Benefits

Davis Vision Benefit Summary Vision benefit overview, provider lookup information, frames, lenses, and contacts.

Vacation Benefit

Vacation Benefit Flyer - English Overview of the Vacation Benefit, payment schedule, and Fund contact information. Beneficio Vacacional - Español Resumen en español del Beneficio Vacacional, calendario de pagos e información de contacto del Fondo.

Helpful Reference

Health Plan Terminology Glossary Plain-language definitions for deductible, coinsurance, network, out-of-pocket maximum, and more.

Before You Get Care

Before receiving medical, dental, vision, or prescription services, take a few minutes to protect yourself from avoidable costs.

Confirm whether the provider is in-network.
Ask whether preapproval or precertification is required.
Review the applicable benefit document.
Contact the Fund Office or benefit administrator with questions.
Keep copies of bills, Explanation of Benefits forms, and claim documents.

What This Page Covers

This page is intended to help members and families find benefit resources quickly.

Medical benefit summary information
Prescription drug information
Dental benefit information
Vision benefit information
Vacation Benefit information
Common health plan terms
Links to detailed benefit documents

Important Notice: This page and the video summary are provided for general informational purposes only. They are not a guarantee of eligibility, coverage, payment, or benefits. Benefit eligibility, coverage, exclusions, limitations, claims, and appeals are governed by the official plan documents and applicable Fund rules. If there is any difference between this page, the video summary, any informal explanation, or the official plan documents, the official plan documents control. For specific questions about eligibility, claims, coverage, or benefits, contact the Fund Office or the appropriate benefit administrator.