Inside Agreement Benefits

Find information below to find in-network providers, or information on your benfits while working under the Inside Agreement, click on the corresponding link below.


Plan Benefits Administrator

Coast Benefits is the plan benefits administrator for those members working under the Inside Agreement..

Coast Benefits is a third party plan benefits administrator, and has been the third party administrator for the IBEW Local 40 NECA 401k Plan and the IBEW Local 40 NECA Health/HRA Plans since its inception. 

Hours: 8:30am - 4:30pm (Pacific Standard)


or email 

Jonnette Tucker at

Phone (619) 280-2009 | Fax (619) 280-4304

401(k) Borrwing

Soon, members working under the Inside Construction Agreement will be able to borrow money from their 401(k) to help purchase a home. Check back later for more information. Please attend our educational meeting on May 31st, 2018 if you would like an opportunity to  hear about the new program, and have questions for Trans America and our Focus Investments.  

Details of the new loan program are still being finalized. Once completed, information will be provided here. 

We will be having an educational meeting with TransAmerica in the future. Please contact the hall for more information

Retirement - 401(k) - TransAmerica

Every hour you work under the Inside Agreement, the employer contributes $12.00 an hour into your 401(k) account. This is designed to be your primary source of income when you retiree. If you would like to contribute more to your 401(k), individuals are eligible to contribute  up to $18,500 pre-tax, known as a voluntary wage deferral. 

Click the yellow button below to view your 401(k) account with Trans America

Medical Provider - Kaiser Permanente

Our coordinated care teams work with you — and each other — to help keep you healthy. And that’s important — because something as simple as having doctors and specialists who talk to each other can speed up your care, improve your treatment, and let you focus on living your life. Staying healthy should be easy.

As one of the nation’s largest multi-specialty groups, our expert care teams collaborate across specialties to help our members get quicker diagnoses, more efficient treatment, and faster recoveries. We work hard to keep you healthy. But if you do get sick, we’ll work even harder to help you get well.

Click the button below  to Kaiser Permanente's website. 

Mental and Behavioral Health

Kaiser Permanente providers members of IBEW Local 40 working under the Inside Agreement with mental and behavioral healthcare. If you need more information, click the yellow button below to visit Kaiser's website. 

If you think you or your family member has a medical or psychiatric emergency, call 911 or go to the nearest hospital.

What is mental health?

Mental health services include assessment, treatment, and support for a variety of mental, emotional, and substance use conditions. At Kaiser Permanente, adults, families, teens, and children can get clinical and support services for a wide range of issues, including:

Attention deficit hyperactivity disorder (ADHD) | spectrum disorders | Bipolar disorder | Depression | Eating disorders | Obsessive-compulsive disorder | Sleep problems | Addiction and recovery | Services and support

Delta Dental

Working under the Inside Agreement qualifies you for dental coverage through Delta Dental. The national network of Delta Dental companies protects more smiles than any other insurance company.

Have a question about coverage or looking for dental insurance? Click the yellow button below to connect with Delta Dental to learn more.

Chiropractic and Acupuncture Care

Working under the Inside Agreement, you are covered for 40 chiropractic visits per year with only a $5.00 co-pay and is available through ASH Network

Accessing your chiropractic and acupuncture benefits

1. To find a contracted ASH Networks practitioner near you:

Click the yellow button below to go to the ASH website

Call ASH Networks Member Services at 1.800.678.9133 (8 a.m. to 9 p.m., Monday – Friday, Eastern Time) for a list of the closest practitioner near your home or work address.

2. Call the chiropractor directly to schedule an appointment.

3. At the time of your appointment, your practitioner will verify your eligibility using your Kaiser Permanente ID Card. Then, simply pay your designated copay for services rendered.

Questions? Call ASH Networks Member Services at 1.800.678.9133 (8 a.m. to 9 p.m., Monday – Friday, Eastern Time).es.

HRA - What is It?

A Health Reimbursement Arrangement (HRA), commonly referred to as a health reimbursement account, is an IRS-approved, employer-funded, tax-advantaged employer health benefit plan that reimburses employees for out-of-pocket medical expenses and individual health insurance premiums. An HRA is not health insurance. Your HRA account is allocated by you, the members, and elects to have the employer make contributions to your account and provide reimbursement for eligible expenses. An HRA plan is an excellent way to provide health insurance benefits and allow employees to pay for a wide range of medical expenses not covered by insurance.

Click the button bellow for a list of eligible expenses

HRA Online Portal

Click the yellow button below if you would like to logon to your online portal for your HRA benefits. 

If you need instructions on how to login to your online HRA portal, click the yellow button below

HRA Debit Card

Click the button below for help with your HRA Debit Card