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Hey Targubright, By National Labor Agreement, it is the responsibility of the Railroads, not the labor unions to supply medical insurance. Here is where it gets a little sticky. CSX for example is not a whole railroad by itself, but a conglomerate of many railroads, C&O, B&O, RF&P, WM, L&N, Clinchfield, SAL, ACL, PM, and a few others. As the railroads merged, they became under one corporate logo, but by agreements, their individual characteristics have remained the same. The railroads have been trying, through negotiation and legal action, to eliminate originality in roads and come up with one labor agreement to cover all roads under their jurisdiction. Railroaders fight this because each road has its perks. For example. At Acca Yard in Richmond VA, you had RF&P, SCL, ACL and C&O employees working. RF&P personnel received additional compensation by their agreement, vs the C&O, and SCL/ACL men. Under a unified agreement, RF&P guys would lose out, and the others might gain/stay same, so there is an issue. Now I cannot be for certain, but I imagine that the UP/BNSF/NS/KCS and CP/CN has the same issues. Because of this, the railroads may have different policies regarding medical insurance. When I was working, C&O employees paid out $80.00 per month/$40.00/per half for health insurance, while the same SCL/ACL men paid nothing because of the labor agreement. See how it gets sticky? Y'all are doing the right thing by asking questions. Making an educated decision is important. I am humbled that you will ask and will offer what I can from what I experienced.
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