Health and Welfare Fund


Fleet Owners Insurance Fund is a not-for-profit heath and welfare fund whose only purpose is to provide affordable health care insurance for the employees and families of our Participating Employers. Fleet Owners is a federally chartered trust and is regulated by the Department of Labor (DOL) and Internal Revenue Service (IRS). Our Trustees have the primary responsibility for the management and administration of our Trust and our Plans.


We are here to serve our Members and Participating Employers with any health care issues that may arise. Within this site you will find useful health and welfare information, documents and links. View the documents below for information about your plans coverage. If you have any questions or concerns please contact us.

The Plan Summary Plan Description (SPD)

The Plan SPD
11.01.2018 Summary Plan Description.pdf
Adobe Acrobat Document 803.4 KB

Schedule of Benefits (SOB)

The Plan Extra Benefits
11.01.2018 Extra benefits FINAL.pdf
Adobe Acrobat Document 70.4 KB

Summary of Benefits and Coverage (SBC)

The Plan SBC
11.01.2018 Summary of Benefits and Cove
Adobe Acrobat Document 174.2 KB

Prescription Coverage

CVS Prescription Coverage
07 01 2018 Caremark Welcome Letter.Fleet
Adobe Acrobat Document 47.0 KB