MENU FAQ Below is list of frequently asked questions. You can also find answers by choosing a category of your questions. Category Health Benefit Member Assistance Program New & Prospective Contractor New & Prospective Member Pension Benefit Current Member Officer Current Contractor If I retire, do all of the plans offer me the option to self-pay as a retiree? Can I pay a premium for my spouse to join Plan 5 – Basic plan? What happens if I go out-of-network for an emergency? What about Preventive Care? Is that offered at $0 Copay? When I visit a doctor, do I pay a copay? How do the deductible and coinsurance work when I pay a copay? If I have an HRA, can I save the amount of HRA money from year to year? Or do I lose the money each year? Footer navigation Learn More BAC Canada International Masonry Institute International Pension Fund International Health Fund Buy Union Support Members Officers Contractors Contact BAC BAC Regions & Locals FAQ News Center News BAC Journal Press Releases International Union of Bricklayers & Allied Craftworkers 620 F Street NW Washington, DC 20004 Phone 1(202) 783-3788 Toll Free 1(888) 880-8222 Email askbac@bacweb.org Privacy | Terms Copyright ©2021 The International Union of Bricklayers & Allied Craftworkers We use cookies on this site to enhance your user experience By clicking any link on this page you are giving your consent for us to set cookies. Accept