PinnacleCare Health Advisory Services, EyeMed Vision Care, and … · sunglasses * from Sunglass...

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2016 Voluntary Benefits Open Enrollment Period: September 28 – October 30, 2015 What’s Inside: PRESORTED First-Class Mail U.S. POSTAGE PAID Buffalo, NY Permit No. 2 AME327 99 Park Avenue, 25th Floor New York, NY 10016 VOLUNTARY BENEFITS PROGRAMS FOR ALCATEL-LUCENT ACTIVE EMPLOYEES AND THEIR FAMILIES, AND RADIO FREQUENCY SYSTEMS EMPLOYEES AND THEIR FAMILIES PinnacleCare Health Advisory Services, EyeMed Vision Care, and Hyatt Legal Plans ENROLLMENT INFORMATION FOR 2016 John Q. Sample Address Line 1 Address Line 2 City, State 12345-6789 /123456789/ • Welcome • Added Benefits ® • Website Information • PinnacleCare Health Advisory Services • EyeMed Vision Care • Hyatt Legal Plans PinnacleCare Health Advisory Services, EyeMed Vision Care, and Hyatt Legal Plans Voluntary benefits programs for Alcatel-Lucent active employees and their families, and Radio Frequency Systems employees and their families.

Transcript of PinnacleCare Health Advisory Services, EyeMed Vision Care, and … · sunglasses * from Sunglass...

Page 1: PinnacleCare Health Advisory Services, EyeMed Vision Care, and … · sunglasses * from Sunglass Hut. $50 *May not be combined with any other offers or discounts. Transaction must

2016 Voluntary Benefits Open Enrollment Period: September 28 – October 30, 2015

What’s Inside:

PRESORTEDFirst-Class MailU.S. POSTAGE

PAIDBuffalo, NYPermit No. 2

AME327

99 Park Avenue, 25th FloorNew York, NY 10016

VOLUNTARY BENEFITS PROGRAMS FOR ALCATEL-LUCENT ACTIVE EMPLOYEES AND THEIR FAMILIES, AND RADIO FREQUENCY SYSTEMS EMPLOYEES AND THEIR FAMILIES

PinnacleCare Health Advisory Services, EyeMed Vision Care, and Hyatt Legal Plans E N R O L L M E N T I N F O R M A T I O N F O R 2 0 1 6

John Q. SampleAddress Line 1Address Line 2City, State 12345-6789

/123456789/

• Welcome

• Added Benefits®

• Website Information

• PinnacleCare Health Advisory Services

• EyeMed Vision Care

• Hyatt Legal Plans

PinnacleCare Health Advisory Services, EyeMed Vision Care, and Hyatt Legal Plans Voluntary benefits programs for Alcatel-Lucent active employees and their families, and Radio Frequency Systems employees and their families.

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Added Benefits® WebsiteWelcome

Enrollment for your voluntary benefits begins at 9 a.m. Eastern Time (ET), September 28, 2015, and ends at 5 p.m. ET, October 30, 2015. You will be able to enroll, disenroll, or make changes to your PinnacleCare Health Advisory Services, EyeMed Vision Care, and Hyatt Legal Plans for 2016 during these dates only.

Payments for voluntary benefits are made through convenient post-tax payroll deductions, which are broken out evenly over your 2016 payroll cycle.

Please note, at 5:00 p.m. ET, October 30, 2015, the Open Enrollment period for voluntary benefits will end, after which you will not be able to enroll in coverage for health advisory services, vision services, or legal services, change your coverage level, or cancel coverage for 2016 unless you experience a qualified status change.

Welcome to Your Voluntary Benefits Open EnrollmentIt’s time to enroll in your voluntary benefits.

1 Type www.addedbenefitsaccess.com into the address bar of your Internet browser.

2 Log in: Existing account holders, please log in with your HRID and password.

3 New users: You can set up an account by clicking on the “Create Account” button and following the steps.

4 Password retrieval: Can’t remember your password? Click on “Retrieve Password” and follow the steps.

Accessing Your Added Benefits® Online

Welcome Screen:

Log In: Existing account holders, please log in with your HRID and password.

New users will need to set up an account.

If you cannot remember your password, you may retrieve it here.

1 2www.addedbenefitsaccess.com | 1-800-622-6045www.addedbenefitsaccess.com | 1-800-622-6045

Added Benefits Voluntary Benefit Programs for Alcatel-Lucent management employees and their families and Radio Frequency Systems employees and their families. EyeMed Vision Care, Hyatt Legal Plans and PinnacleCare Health Advisory Services

VOLUNTARY BENEFITS OPEN ENROLLMENT SEPTEMBER 28 - OCTOBER 30, 2015

©2013-2014 American Benefits Consulting LLC

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PinnacleCare Health Advisory ServicesPinnacleCare Health Advisory Services

PinnacleCareProviding peace of mind when facing a serious healthcare decision.

3 www.addedbenefitsaccess.com | 1-800-622-6045

If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your PinnacleCare coverage, you must visit www.addedbenefitsaccess.com during the Open Enrollment period to cancel your enrollment.

How does PinnacleCare differ from what we get through our doctors and medical plans? Your advisory team is not employed by any healthcare provider

or any health insurance plans. They work solely for you and

have no conflict of interest associated with your specific care

or treatment. PinnacleCare guides you through an incredibly

confusing and time-consuming process, helping to prevent

unnecessary or inappropriate treatment. They work to confirm

a diagnosis at the onset and connect you with experienced

specialists to inform you about the most current and effective

treatment options. With PinnacleCare, you don’t have to carry

the burden of a complex health issue alone.

When should I contact PinnacleCare? You should contact a PinnacleCare Connection Advisor when you or someone in your immediate family receives a serious diagnosis or is struggling with a complex condition, a recommendation for surgery, or a significant change in a current treatment plan.

What defines a serious diagnosis or complex treatment? PinnacleCare defines a serious diagnosis as one that will involve rigorous treatment, a choice of treatment options, or a prolonged recovery, and can result in significant healthcare costs and/or time away from work. Examples include: cancer, cardiac surgery, back surgery, joint replacement surgery, transplants, and persistent diagnostic challenges.

Can you provide an example of a change in treatment? For preexisting conditions, a change of treatment might entail a new drug or a recommendation for a surgical procedure, a change from a previous prescription, or therapy. Example: After a patient receives a series of injections for back pain, his/her physician recommends surgery.

What services are covered under this benefit? Depending on your particular situation, PinnacleCare may provide you with a confirmation of your diagnosis, recommendations on top in-network specialists, facilitated appointments, and/or provide research on a diagnosis and appropriate treatment options. In certain cases, PinnacleCare will help to coordinate the gathering and forwarding of key medical records to a recommended specialist.

How will this work with my medical plan? All recommendations will direct you to resources that operate within your insurance provider’s network. We encourage you to contact your insurance provider with any questions or concerns associated with claims and/or coverage.

Are our conversations kept confidential? Yes, PinnacleCare is a Health Insurance Portability and Accountability Act (HIPAA) compliant company and no personal health information will be shared with any third party without your consent.

4www.addedbenefitsaccess.com | 1-800-622-6045

PinnacleCare health advisory services fill the gap that health insurance and other benefits do not address. For less than a dollar a day, this benefit will connect you with a trusted health advisor for guidance with medical conditions and decisions that can carry a heavy financial burden and risk to your health and well-being.

Increasing deductibles and healthcare complexity can leave you struggling with difficult questions and decisions when facing a serious medical issue:

• Is the diagnosis correct?

• Where should I go for my care?

• Do I really need surgery?

• Are there other treatment options?

Nearly one in three medical conditions are misdiagnosed.

Is your family protected?

YOUR PINNACLECARE ADVISOR WILL:

A serious healthcare challenge can strike when you least expect it. PinnacleCare advisors guide the way in helping you choose the right medical decisions for you and your family.

Pricing*

• $16/month (employee)

• $29/month (employee plus family)

*Post-tax payroll deduction

HELP you to better understand your diagnosis and treatment options.

COLLECT, organize, and coordinate the transfer of your medical records for review prior to your scheduled appointment.

IDENTIFY and connect you with medical research and top specialists to confirm the details of your diagnosis and appropriate treatment options.

FACILITATE and schedule your appointment in an expedited manner.

FOLLOW UP with you to ensure you are on the right path.

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EyeMed Vision CareEyeMed Vision Care

There are two options for you to choose from:

> STANDARD PLAN > ENHANCED PLAN Both plans provide you with vision care and prescription eyewear through a vast network that includes independent providers as well as retail locations, such as Sears Optical, Pearle Vision, Target Optical, LensCrafters, and JCPenney Optical. ID cards will be mailed to new participants in January. If you are continuing your coverage from last year, you will not receive a new ID card. Print Your ID Card for SafekeepingYou are able to print your ID card if you choose to do so. Please visit www.addedbenefitsaccess.com.

EyeMed Vision Care

Value-Added Features Members will receive a 20% discount on items not covered by the plan at in-network providers, which may not be combined with any other discounts or promotional offers. The discount does not apply to EyeMed providers’ professional services or contact lenses. Retail prices may vary by location.

Second Pair and Lasik Benefits At an in-network provider, once the funded benefit has been used, members also receive a 40% discount on the purchase of a second complete pair of eyeglasses and a 15% discount on conventional contact lenses.

Members also receive 15% off the retail price, or 5% off the promotional price, for Lasik or PRK from the U.S. Laser Network, owned and operated by LCA-Vision. Retinal Imaging Catch degenerative eye conditions early with retinal imaging. Retinal images are obtained quickly and easily and give your eye care specialist the ability to monitor your eyes through the years. Early detection and treatment of eye conditions are crucial for your eye health.

If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your EyeMed Vision Care coverage, you must visit www.addedbenefitsaccess.com during the Open Enrollment period to cancel your enrollment. Please refer to the chart on page 7 for the 2016 rates. As a reminder, routine vision care is not part of your medical coverage. You can choose to enroll in the EyeMed Vision Care program available to you and your eligible dependents.

Member/Patient Services: 1-866-268-4063SELECT PLAN AABC COMPANY

SUSAN SAMPLEGroup #: 9724576Effective: 01/01/2015

Underwritten by Fidelity Security Life Insurance Company

IMPORTANT: A personalized ID card is printed with the employee’s name only; eligible covered dependents should use the card for identification purposes. Member ID will be the employee’s HRID.

Why vision care coverage? Regular eye exams are important to the overall health of your family. A comprehensive eye exam can be the first indicator of health concerns, such as diabetes, high blood pressure, and glaucoma. Your vision plan offers coverage for eye exams, lenses, frames, and contact lenses. This valuable coverage is available to you and your eligible dependents. How do I locate a provider? Visit www.addedbenefitsaccess.com and select Benefit Providers under Vision Care to locate a provider in your area. How do I know what is covered under my vision care coverage vs. my medical plan?

Your EyeMed benefit provides coverage for routine eye care only. If you have a condition that requires treatment with medication or possible surgery, these may be handled by your physician through your medical plan. Here is a list of the most common conditions of the eye that may be covered under your medical plan:

• Cataracts• Glaucoma• Conjunctivitis• Diabetic Retinopathy• Macular Degeneration

• Ocular Hypertension• Strabismus • Retinal Detachment• Retinitis Pigmentosa• Uveitis

What if I decide to see a nonparticipating provider? If you choose to use a nonparticipating provider, you will be required to pay in full at the time of service and obtain itemized receipts. A copy of your receipts and a completed claim form should be submitted to EyeMed for reimbursement. You will be reimbursed up to the amounts listed on your schedule of benefits. Claim forms can be found at www.addedbenefitsaccess.com.

What does a routine eye exam entail? EyeMed Vision Care’s panel of optometrists and ophthalmologists conduct comprehensive eye examinations to diagnose or detect existing conditions of the eye and vision system. The tests and procedures performed may vary by patient because of age or specific conditions, but typically include an assessment, diagnosis, and treatment plan.

Visit www.addedbenefitsaccess.com for more detailed information.

Please refer to the chart on the next page for a summary of benefits. EyeMed Vision Care monthly premiums are paid through convenient post-tax payroll deductions.

toward premium nonprescription sunglasses* from Sunglass Hut.

$50

*May not be combined with any other offers or discounts. Transaction must be completed by 12/31/2016. This is not insurance. Redeemable at any participating U.S. Sunglass Hut, Sunglass Hut at Macy’s or online, or at SunglassHut.com. Excludes Chanel, Maui Jim, Oakley, Tiffany, and Tom Ford.

5 6www.addedbenefitsaccess.com | 1-800-622-6045www.addedbenefitsaccess.com | 1-800-622-6045

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EyeMed Vision Care

Hyatt LegalEyeMed Vision Care

*In-Network differences between the Standard and Enhanced Plans are highlighted in yellow.

Benefits described above are for one-time use per calendar year; benefit allowances provide no remaining balance for future uses within the same calendar year.

EyeMed Vision Standard Plan* Enhanced Plan*

In-Network (member cost)

Out-of-Network (maximum

reimbursement)

In-Network (member cost)

Out-of-Network (maximum

reimbursement)

Exams Once per calendar year,covered in full

$40 Once per calendar year,covered in full

$40

Retinal Imaging Up to $39 Up to $39

Standard Plastic Lenses Once per calendar year,covered in full

Once per calendar year,covered in full

Single Vision $0 copay $40 $0 copay $40

Bifocal $0 copay $75 $0 copay $75

Trifocal $0 copay $100 $0 copay $100

Lens Options (per pair of glasses)

UV Coating $15 copay Not covered $15 copay Not covered

Tint (solid and gradient) $15 copay Not covered $15 copay Not covered

Scratch Resistance $15 copay Not covered $15 copay Not covered

Polycarbonate $40 copay Not covered $40 copay Not covered

Anti-Reflective Coating $45 copay Not covered $45 copay Not covered

Standard Progressive $65 copay $75 $65 copay $75

Premium Progressive $65 copay, 80% of charge, less $120

allowance

$75 $65 copay, 80% of charge, less $120

allowance

$75

Other Add-Ons/Services 20% off retail Not covered 20% off retail Not covered

Frames Once per year, $120 allowance toward retail value, 20% off balance

over $120

$50 Once per year, $130 allowance toward retail value, 20% off balance

over $130

$60

Contact Lenses (in lieu of frames and lenses, allowance covers materials only)

Once per calendar year $75 Once per calendar year $75

Conventional $100 allowance, 15% off balance over $100

$75 $120 allowance, 15% off balance over $120

$75

Disposable $100 allowance, member cost is balance

over $100

$75 $120 allowance, member cost is balance

over $120

$75

Medically Necessary $0 copay, covered in full $75 $0 copay, covered in full $75

Contact Lens Fit & Follow-Up Visits Available once a comprehensive

eye exam has been completed

Available once a comprehensive

eye exam has been completed

Standard Contact Lens Up to $40 Not covered Covered in full for first and 2 follow-up visits

$40

Premium Contact Lens 10% off retail Not covered 10% off retail, then apply $40 allowance

$40

Monthly Cost Employee – $11.89 Employee + 1 – $23.79

Family – $32.71

Employee – $13.71 Employee + 1 – $27.44

Family – $37.73

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Hyatt Legal

With the Hyatt Legal Plans, for an affordable price, you and your dependents will have access to professional legal representation for specific covered services whenever you may need them. Consider the following:

• If you owe money, would you like harassing calls from bill collectors stopped? Your plan attorney can help enforce your rights.

• Have you ever had problems with a landlord? Having an attorney on your side can help protect your rights.

• If you were in a coma, would your family or doctor know your wishes regarding medical care? A living will makes your wishes known.

We cannot predict the future, but we can help you prepare for it. Read on to see if you should take part in this plan.

For 2016, the monthly rate is just $17.20. • No claim forms• All in-network covered services are paid in full• Convenient post-tax payroll deduction of the

monthly premium• Out-of-network covered services are also available

In-Network All attorney fees for covered services are paid in full — there are over 13,000 in-network attorneys to choose from. You’ll pay no deductibles or copayments, and there are no claim forms. Out-of-NetworkYou may choose a non-plan attorney and be reimbursed for covered services according to a set fee schedule. You will be responsible for paying the difference, if any, between the plan’s payment and the non-plan attorney’s charge for services. Covered services include:

• Office Consultation and Telephone Advice

• Consumer Protection Matters- Small Claims Assistance- Personal Property Protection

• Debt Matters- Debt Collection Defense- Identity Theft Defense- Personal Bankruptcy or Wage Earner Plan- Tax Audits

If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your Hyatt Legal coverage, you must visit www.addedbenefitsaccess.com during the Open Enrollment period to cancel your enrollment.

• Defense in Civil Lawsuits- Administrative Hearing Representation- Civil Litigation Defense- Incompetency Defense

• Document Preparation- Affidavits- Deeds- Demand Letters- Document Review- Mortgages- Notes

• Elder Law Matters

• Family Law- Name Change- Premarital Agreement- Protection from Domestic Violence- Contested or Uncontested Adoption- Uncontested Guardianship or Conservatorship

• Immigration Assistance

• Personal Injury (25% Network Maximum)

• Personal Property Protection

• Real Estate Matters- Boundary or Title Disputes (Primary Residence)- Eviction and Tenant Problems (Primary Residence — Tenant Only)

- Home Equity Loans (Primary Residence)- Property Tax Assessment (Primary Residence)- Refinancing of Home (Primary Residence)- Sale or Purchase of Home (Primary Residence)- Zoning Applications

• Traffic and Criminal Matters- Juvenile Court Defense- Restoration of Driving Privileges- Traffic Ticket Defense (No DUI)

• Will and Estate Matters- Living Trusts- Living Wills- Powers of Attorney- Probate (10% Network Discount)- Wills and Codicils

7 8www.addedbenefitsaccess.com | 1-800-622-6045www.addedbenefitsaccess.com | 1-800-622-6045

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Added Benefits®Hyatt Legal

Your coverage can be extendedto parents. In an effort to better serve you and your family, the Hyatt Family Matters Plan allows you to extend the benefits of Hyatt Legal for your/your spouse’s parents. Now the benefit of a nationwide network of over 13,000 attorneys providing personal legal counsel is available to more of your family. Covered Services The Family Matters Plan covers telephone advice and office consultation to your/your spouse’s parents for personal legal matters and the preparation of the following legal documents:

• Wills, including Testamentary Trusts

• Living Wills

• Powers of Attorney

• Deeds

• Employment-related matters, including company or statutory benefits

• Matters involving the company, MetLife® and affiliates, and Plan Attorneys

• Matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents

• Appeals and class actions

• Farm and business matters, including rental issues when the Participant is the landlord

• Patent, trademark, and copyright matters

• Costs or fines

• Frivolous or unethical matters

• Matters for which an attorney-client relationship exists prior to the Participant becoming eligible for plan benefits

Exclusions Excluded services are those legal services that are not provided under the plan. No services, not even a consultation, can be provided for the following matters:

To enroll your/your spouse’s parents, go to www.addedbenefitsaccess.com, download the appropriate form, pay the upfront premium for a two-year membership, and your parents will have access to the Family Matters Legal Plan. The $240 premium, which cannot be canceled, covers each set of parents enrolled. Payments are made directly to Hyatt Legal by check or money order.

Family Matters

REMEMBER: These voluntary programs are separate from your health and welfare benefits coverage. For information on your health and welfare benefits coverage, such as enrollment dates, etc., please contact:

• Alcatel-Lucent active employees (not including Radio Frequency Systems) – visit the Your Benefits Resources™ website at http://resources.hewitt.com/alcatel-lucent.

• Radio Frequency Systems employees should visit http://all.us.rfsworld.net/SiteDirectory/HR/default.aspx.

For your convenience, Alcatel-Lucent has arranged for payroll deductions for coverage(s) that you may elect under this program. However, it should be noted that Alcatel-Lucent does not sponsor or endorse this coverage. This program does not apply to employees of subsidiaries or joint ventures who maintain their own voluntary benefits programs.

DON’T FORGET:The Added Benefits® Auto & Home Program provides you with access to:

• Competitive quotes from three leading national carriers – MetLife Auto & Home®, Liberty Mutual®, and Travelers

• Possible money-saving discounts

• Easy comparison shopping

• Multi-policy discounts

For more information on these and other programs, visit www.addedbenefitsaccess.com or call 1-800-622-6045.

• Select Option 1 for Active Employees

At next prompt:

• Select Option 1 for questions on Enrollment

• Select Option 2 for questions on Payroll Deductions

• Select Option 3 for Auto and Home Insurance

• Select Option 4 for a Hyatt Legal Rep

• Select Option 5 for an EyeMed Vision Care Rep

• Select Option 6 for a LifeLock® Identity Theft Protection Rep

• Select Option 7 for a PinnacleCare Health Advisory Services Rep

Alcatel-Lucent is not affiliated with EyeMed Vision Care, Hyatt Legal Plans, or PinnacleCare, and does not make any endorsements of or representation regarding service provided under this program. This program is completely voluntary and is offered solely as a convenience to Alcatel-Lucent employees. Employees are responsible for payment of premiums through automatic payroll deduction. The services offered by PinnacleCare do not qualify as an Alcatel-Lucent sponsored or administered employee benefit under the Employee Retirement Income Security Act of 1974, as amended.

LifeLock® Identity Theft Protection Added Benefits® has partnered with LifeLock to provide employees with identity theft protection and resolution services at discounted monthly rates.

The experts at LifeLock provide monitoring services 24 hours a day, seven days a week to safeguard your personal information both online and off, helping to protect you from identity theft before it happens.

You can apply for auto and home coverage and enroll in LifeLock at any time during the year!

Providing superior coverage, value, and

service for over 150 years.

Helping people live safer, more secure lives

since 1912.

Protect your assets with a company you

can trustSM.

9 10www.addedbenefitsaccess.com | 1-800-622-6045www.addedbenefitsaccess.com | 1-800-622-6045

HYATT LEGAL PLANS’ MOBILE APP IS NOW AVAILABLE ON THE ITUNES®

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