TCU Members’ Health Plan
Teacher Care
Enjoy the benefits of the Teachers Credit Union Health Plan with up to $500,000 in major medical benefits.
You must be a member of the Teachers Credit Union to access the benefits. Become a member today and apply to the Teachers Care Health Plan. Select the plan coverage that best suits your needs and the needs of your family.
- Medical
- Maternity
- Major Surgeries
- General Practitioners and Specialists Visits
- Prescription Drugs
- Diagnostic Services
- Preventative Care
- Chemotherapy & Radiotherapy
- Dialysis
- Dental
- Vision
Actives (Members Under Age 60) – Option A
Premiums for Option A
| Coverage $500,000 | Monthly Rates | ||
|---|---|---|---|
| Member only | $335.00 | ||
| Member + 1 | $600.00 | ||
| Member + Family | $840.00 |
Click below for coverage options for Actives – Option A
Retirees (Age 60 and Over) – Option B
Premiums for Option B
| Coverage $500,000 | Monthly Rates | ||
|---|---|---|---|
| Member only | $443.00 | ||
| Member + 1 | $814.00 | ||
| Member + Family | $1,150.00 |
**Members over 70 can apply, but they will be assessed on an individual basis and will be subject to normal underwriting terms and conditions. Medicals will be necessary, and Guardian reserves the right to accept or reject the application.
Click below for coverage options for Actives – Option B
Click below to explore the full list of Network Providers
Interested in signing up for the TEACHERS CARE Health Plan?
If you are interested in joining the TEACHERS CARE Health Plan or need more information please contact the Guardian Group at (868) 350 -4211
email: teachershealthplan@gmail.com or click the link below to sign up now.
How does the electronic ID card work?
To request your electronic ID card, register with Guardian via the Easi Connect portal.
Each insured person is issued an electronic ID card with a unique QR code.
Persons are invited to scan their cards at any organization that is a provider network.
Once the card has been presented with a valid photo ID, the service provider will advise you on what portion of the claim the insurer will cover and how much you will need to pay. You will also obtain a statement, showing a breakdown of how the claim has been processed.
Based on how the provider enters the code on the system, claims can be distinguished as having been based on a referral.
What makes this health plan special?
Guardian Life will cover 95% of the cost of approved Generic drugs. Additionally insureds who are on repeat prescriptions or major treatment have the option to order and purchase chronic and high value drugs through pharmaceutical distributors which is usually at a lower cost than the pharmacies.
Guardian Life of the Caribbean, in partnership with Coomeva Medicina Prepagada, offer an exclusive hospital network in Colombia as an affordable option for overseas medical treatment from highly qualified Physicians (no Visa requirements).
Your Health card allows you to qualify for discounts available at Guardian General on one of the following policies:
- Private Motor Insureds purchasing a fully Comprehensive policy or renewing (including Private use pickups) will enjoy a 20% discount.
- Private Dwellings and General contents policyholders will receive a 10% discount on new policies only.
Guardian Life has finalized an arrangement with Pink Hibiscus Breast Health Specialists whereby all eligible Plan members over age 40 would be able to receive a Preventative Care Screening Package for just $100.00 including:
- Risk Assessment
- Clinical Physical Examination
- Breast Ultrasound
- Mammogram
Dalian’s highly trained professional team assists you in times of medical trauma. Services include:
- A Listing of All Hospitals, and other Medical Clinics, applicable
- Ambulance Contact numbers
- Your Distinctive QR Code (also available to dependents)
- 24/7/365 Hotline numbers
- Guaranteed Access via Approved Listings
- Minimal Deposits for both Outpatient & Inpatient Care
- Minimal Paperwork re : – Claims Processing
- Case Management
- Discounting
For any queries, and or clarification, please call Dalian’s Hotline at 868-338-2070
In the event of a medical emergency during your travel, you are required to contact Aragon Agency using the following:
FOR EMERGENCY OVERSEAS TREATMENT
Contact: Aragon Agency for Guardian Life of the Caribbean Ltd
Phone: 305-443-2700 / 305-443-4200
Fax: 305-443-2800
The above contact information is also available on your health e-card.
Aragon Agency will assist you with any medical emergencies outside of the Caribbean, arranging seamless admission using one of our Providers/Facility within our extensive Overseas Provider Network.
The network in the US has over 300 providers, and through the Axa Group we have access to over 40,000 International medical providers in approximately 200 countries. They also provide a wide range of services from interactive medical management to cost control.
A gentle reminder, Guardian Life of the Caribbean Ltd should be notified of all medical emergencies within two (2) business days.
How are claims submitted?
Claims can be scanned and submitted via email to healthclaimstt@myguardiangroup.com OR teachershealthplan@gmail.com for processing. It will take approximately 10 working days to process a claim.
Each insured person is issued an electronic ID card with a unique QR code.
Persons are invited to scan their cards at any organization that is a provider network.
Once the card has been presented with a valid photo ID, the service provider will advise you on what portion of the claim the insurer will cover and how much you will need to pay. You will also obtain a statement, showing a breakdown of how the claim has been processed.
Based on how the provider enters the code on the system, claims can be distinguished as having been based on a referral.
If travelling and there is an emergency, you can complete the claim documents and submit one of two ways, (1) to the Arragon Agency, the information is available on the back of your E Card. Alternatively, we can forward this information to you. (2) or kindly email us all the documents via healthclaimstt@myguardiangroup.com OR teachershealthplan@gmail.com
Once the claim information for the Secondary insurer is noted on the submitted claim form, the Primary insurer is responsible for sending the claim to the secondary provider.
After having completed the claim process, an explanation of benefits (EOB) statement is generated and given to you, showing how the claim was processed. With this statement, complete the claim form for the secondary insurer and attach the receipt for the difference in payment, and any additional information relevant to the claim and forward a copy either via email or physical submission to the Plan administration or insurer. This will be based on the secondary insurer submission policy.
We also advise members to keep a copy of the claim with their explanation of benefits (EOB) statement to follow up on the payment process.
How are multiple Insurers managed under this plan?
Persons can have more than one Insurers even if they are with the same insurance company.
Order of coverage will be based on the effective date of the plan.
Once the claim information for the Secondary insurer is noted on the submitted claim form, the Primary insurer is responsible for sending the claim to the secondary provider.
After having completed the claim process, an explanation of benefits (EOB) statement is generated and given to you, showing how the claim was processed. With this statement, complete the claim form for the secondary insurer and attach the receipt for the difference in payment, and any additional information relevant to the claim and forward a copy either via email or physical submission to the Plan administration or insurer. This will be based on the secondary insurer submission policy.
We also advise members to keep a copy of the claim with their explanation of benefits (EOB) statement to follow up on the payment process.
Frequently Asked Questions
This is the dollar amount of covered expenses for which the Insured is responsible before benefits are payable under the major medical plan.
Under your Major Medical plan, the co-insurance is: 80% & 70% up to Maximum Benefit stated in the Schedule.
These are charges or fees determined by the Insurer to be the general rates charged by Providers who render or furnish treatments, services or supplies to persons who reside in the same area; and whose injury or illness is comparable in nature and severity.
For example, if a doctor charges $3,000.00 for a surgical procedure and the normal level of fees for the procedure is $2,000.00, then the plan will reimburse you based on the charge of $2,000.00.
All claims must be submitted to the insurer within 90 days of the date the service was rendered.
Pre-certification is a notification of anticipated or scheduled medical services that is required in advance of the medical treatment.
All expenses for surgery must be Pre-certified.
