Dear PARTICIPANT,



Effective April 1, 2025, the Mid-America Carpenters Regional Council Health Fund and the St. Louis-Kansas City Carpenters Regional Health Plan will merge. The merger reduces expenses and combines assets and investments together, providing financial security and stability, now and in the future.

Why are our health funds merging?

The health funds merger is taking place for one main reason: to ensure the continuation of superior benefits for you and your families for many years to come. 

Uniting as one health fund makes us larger and stronger. With more participants covered under one fund, we will have more bargaining power to negotiate better pricing on contracts, reduce duplicate service provider charges, and enhance benefits for our participants and their families through the greater financial strength of the merged plan.

What changes can I expect?

Expect improvements to your health benefits as we move together as one.

What stays the same?

While the funds are merging, your Plan of benefits will remain regional. One health fund, two Regional Plans of Benefit. For example, Blue Cross Blue Shield of Illinois will continue to serve as the northern Illinois region’s health plan partner. In addition, our regional benefits offices, wellness centers, contribution rates, eligibility rules, copays, and deductibles will remain the same.

Should you have any questions, please contact our office.

Sincerely,

The Board of Trustees

Please note: MACRC Pension and Supplemental Retirement Funds are not a part of this merger.