vz Open Enrollment 10-23 to 11-6-13 Active Employees, 11-7 to 11-21-13 Retirees

7/27/2019 vz Open Enrollment 10-23 to 11-6-13 Active Employees, 11-7 to 11-21-13 Retirees

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Communications 500 State Hwy No. 33W, Room 1B, Millstone Township, NJ 08535Workers of America Telephone: (732) 446-2201 FAX: (732) 446-6152AFL-CIO Local 1022

www.cwalocal1022.org

BETH CORNWALL, PresidentAMY T. LAFFERTY, Vice PresidentMICHAEL C. TRAVALI, Secretary-Treasurer

M E M O R A N D U M - No. 15 October 18, 2013

2014 OPEN ENROLLMENTOctober 23, 2013 to November 6, 2013

TO: All Members

Active Members: October 23, 2013 to November 6, 2013

If you are content with your current health plan and want to continue it, thereis nothing you need to do.

A reminder: Anytime Enrollment was discontinued last year and is notavailable - Changes can only be made during Open Enrollment with theexception of a Qualified Status Change. Examples of a Qualified StatusChange are adding a spouse if you get married, adding a child when there isa birth of a new baby.

A b h l t d H lth A t i 2012 h l t


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A b h l t d H lth A t i 2012 h l t

New year, easier enrollmentstill great Verizon coverage.

BenetsConnectionwww.verizon.com/benetsconnection

YOUR BENEFITSCONNECTED

ANNUAL ENROLLMENT 2014October 23 to November 6, 2013


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Dear Verizon Employee:

During Annual Enrollment you have the opportunity to make changes to yourVerizon coverage or the next year. However, i you are satisfed with yourcurrent coverage, you do not need to take any action.

As a result o your 2012 labor contract, there are some changes to medicalplan provisions. These are outlined in this booklet, so please read it careullyto ensure you are aware o what is changing on January 1, 2014. There are nochanges to your dental or vision coverage.

Premium contributions will increase or 2014 and are outlined in thisbooklet. You can also see your costs online on BenetsConnection.

As you prepare or Annual Enrollment and make your decisions or your2014 coverage, you may be thinking about the impact o Health Care Reormon your Verizon benets. In September, we sent you inormation aboutthe Health Insurance Marketplace as required under the Aordable Care

Act (ACA). Its important to note that while all Americans will be eligible toparticipate in the Marketplace beginning in 2014, you need to understand theollowing potential implications i you elect to orego your Verizon-sponsoredhealth care coverage and enroll in a Marketplace option instead.

When Verizon employees enroll in a government-sponsored health careplan, they will lose the company provided subsidy that covers about90% o the premium cost.

Because Verizon oers health care coverage that is a ordable to mostemployees and meets the governments minimum value requirements,our employees likely will not be eligible or a government-provided tax

credit or subsidy.

Premiums paid or your Verizon-sponsored coverage are paid throughpre-tax dollars taken out o your paycheck, while premiums paid orcoverage through the Marketplace will be made with ater-tax dollarsdirect-billed to you eliminating a valuable tax benet.

Again, because Verizon is providing you with access to quality and

aordable health care coverage, it is not necessary or you to participatein a Marketplace option, and or the reasons stated above, your Verizon-sponsored coverage will likely continue to be your best option.

This year, new enhancements will make enrollment even easier, things likehaving your non-tobacco user status designation, discount or completingthe Health Assessment, and your Flexible Spending Account electionsautomatically carry over to 2014. That means i you like your currentcoverage and wish to continue it, you truly do not need to take any actionduring Annual Enrollment.

We are excited about these improvements, and we are very proud o the

quality o health care benets we provide to more than 740,000 employees,retirees and eligible dependents o Verizon. Please review the enclosedmaterials and decide i yo ud like to make any changes or 2014. Otherwise,you do not need to take any action.

Sincerely,

Donna Chiriller

Vice President Benets

ANNUAL ENROLLMENT 2014


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Remember: Annual Enrollment isgenerally the only time during theyear that you can make changes toyour coverage, unless you have aqualifed lie event. For inormationon what is considered a qualifedlie event, reer to your SummaryPlan Description (SPD) available onBeneftsConnection.

Annual Enrollment isOctober 23 to November 6, 2013

This year, Annual Enrollment is easier than ever.Most employees wont need to take any action during this years Annual Enrollment.

For 2014, youll have the same choice o plan options, with a ew changes resulting

rom your 2012 labor contract.

No action is needed unless you want to make a change. New enhancements will make

enrollment even easier this year or 2014, the ollowing will continue automatically:

Medical, dental, and vision choices

Tobacco user designation Spending Account contributions

Contribution credit or completing the Health Assessment

So, i you are satised with your current benet elections, no action is needed.

I You Need to Make a Change or 2014To review or make changes to your current benet elections or dependents, visit

BenetsConnection rom About You or log on at www.verizon.com/benetsconnection

beore midnight, Eastern time on November 6. Beneciaries can be changed at any time.You need to take action i you want to:

Change your medical or dental plan option

Add or remove a dependent

Change the amount you contribute to your Health Care and/or Dependent Day Care

Spending Account

Change the amount o your lie insurance coverage or yoursel or your eligible

dependents

Change your tobacco user/non-tobacco user status

Complete the online Health Assessment


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I You Have aQualifed Lie Event

I you have a qualifed lie eventbetween now and the end othe year, you will need to makeany necessary changes onBeneftsConnection or both

2013 and 2014.

Out-o-Pocket Maximum

Required by ACAAn additional layer o out-o-pocket

cost protection is being added to the

MCN and MEP PPO medical options

beginning in 2014 so that your total

out-o-pocket costs (including medical

plan copays) will not exceed $6,350

or individual coverage and $12,700

or amily coverage.

Veriying Your DependentsI you add a dependent to your coverage during Annual

Enrollment, or at any time during the year, you will need

to provide documentation to veriy his or her eligibility.

Instructions or completing the dependent verication will be

sent to your home ater you have enrolled your dependent.

Verizon is committed to ensuring only eligible dependents are covered under the Companys

plans. I you have any questions about eligibility, please reer to your SPD, available on

BenetsConnection. Adding an ineligible dependent to your Verizon coverage may result in

disciplinary action.

New: Automatic Full-Time Student Verication or Dental CoverageBeginning this year, ull-time student dependents, age 19 to 25 with dental coverage under

a Verizon plan, will be automatically veried through the National Student Clearinghouse. I

student status cannot be veried, youll receive instructions in the mail about what you need

to do. Otherwise, you wont need to do anything to veriy student status.

2014 Medical Plan ChangesThere are some changes to the MEP PPO medical option as a result o the 2012 labor contract

which are outlined below.

2013

$400 Individual/$1,000 Family


$1,050 Individual/$2,625 Family

2014



$1,100 Individual/$2,750 Family

PLAN PROVISION

Deductible: In-Network

Deductible: Out-o-Network

Out-o-Pocket Maximum:In-Network

MEP PPO


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Important Note

Your current tobacco user statuswill continue or 2014. I your statuschanges (you become a non-tobacco user,complete a smoking cessation program,or start using tobacco), update yourstatus on BeneftsConnection.

2014 Medical Plan ContributionsFollowing are your contributions or the medical plans based on whether you and your covered

amily members use tobacco products and whether or not you have completed a Health

Assessment.

No Medical CoverageI you do not want medical coverage, you need to choose No Coverage during Annual Enrollment.

I you choose No Coverage, you cannot enroll in coverage during the year unless you have a

qualied lie event or as otherwise required by law. Please reer to your SPD or guidelines on

qualied lie events.

Yes

Yes

$50.00

$100.00

Yes

No

$58.33

$108.33

No

Yes

$100.00

$150.00

No

No

$108.33

$158.33

MCN AND MEP PPO

Yes

Yes

$75.00

$150.00

Yes

No

$83.33

$158.33

No

Yes

$125.00

$200.00

No

No

$133.33

$208.33

EPO AND HMOS

Non-Tobacco User Credit?

Completed Health Assessment?

MONTHLY CONTRIBUTION

Individual

Employee + 1 or More

Non-Tobacco User Credit?

Completed Health Assessment?

MONTHLY CONTRIBUTION

Individual

Employee + 1 or More

(will be no greater than the amounts in this chart)


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Health Incentives: Reduce YourAnnual Medical Plan ContributionsVerizon oers two incentives to help keep you and your amily healthyand reduce your annual contributions or your medical coverage.

Save Money by Completing a Health Assessment Up to $100

The Health Assessment is a simple, condential online health questionnaire that can help

you understand and manage health risk actors. The Health Assessment takes about 10

minutes to complete and can be accessed rom WellConnect on BenetsConnection.

I you are currently receiving the credit or completing the online Health Assessment, no

action is necessar y. The credit will automatically apply or 2014.

I you are not currently receiving the Health Assessment credit, complete the HealthAssessment by the end o 2013 and receive a $100 credit toward your annual medical plan

contributions or 2014. Completion o the Health Assessment ater December 10 but beore

December 31 may delay your ull credit.

Non-Tobacco Users Pay Less Up to $600

You are eligible or a non-tobacco user credit i you and your covered dependents do

not use any tobacco products, or have completed a Tobacco Cessation program, such as

QuitNet, within the past six months. I you are a tobacco user and would like to quit, visit

BenetsConnection > WellConnect > My Healthy Living > Tobacco Cessation. Completiono a tobacco cessation program may result in lower contributions.

Important Note about Supplemental Lie Insurance

The rates or Supplemental Lie Insurance are based on age ranges. This means you maysee an increase in the amount you are paying i you will be in the next rate tier during 2014.


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Important Changes to Your Plan

Change in Defnition o SpouseFor medical, dental and vision plan purposes, the term spouse has been changed to include a person o thesame sex to whom you are married under state* law.

I you cover a same-sex spouse and provide proo o legal marriage, you can now pay or spousal coverage ona pre-tax basis. In this case, Verizon is no longer required to report additional income refecting the value ohealth coverage provided or a same-sex spouse or the child o a same-sex spouse or ederal tax reportingpurposes even i you reside in a state dierent rom where you and your same-sex spouse were legally married.

In addition, you can use the health care and dependent day care spending accounts to pay or eligible expensesor your same-sex spouse or a child o a same-sex spouse.

Employees covering a same-sex domestic partner who is not a spouse and/or does not satisy the denition oa ederal tax dependent or group health plan purposes will continue to be taxed on the value o group healthplan coverage. Please contact the Verizon Benets Center or eligibility and enrollment inormation.

*The term state means any domestic or oreign jurisdiction having the legal authority to sanction marriages.

Medical Option Changes Under Health Care Reorm

Verizon is making the ollowing changes to your non-grandathered medical options as o January 1, 2014:

Out-of-Pocket Maximum Changes. An additional layer o out-o-pocket cost protection is being added to

the Anthem MCN and MEP PPO medical options beginning in 2014 so that your total out-o-pocket costs(including medical plan copays) will not exceed $6,350 or individual coverage and $12,700 or amily coverage.Your current negotiated out-o-pocket maximums remain unchanged, and copays will not apply toward suchamounts. Contact your health plan administrator or details.

Coverage for Individuals Participating in Approved Clinical Trials: You will be eligible or coverage o routinecosts or items and services urnished in connection with your participation in an approved clinical trial. Theclinical trial must relate to the treatment o cancer or another lie-threatening disease or condition. Contactyour health plan administrator or details.


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Important Legal Notices

Update to the Notice o Privacy Practices or the Verizon Communications Inc. Health PlansThe Notice o Privacy Practices or the Verizon Communications Inc. Health Plans (HIPAA Privacy Notice) explains the uses anddisclosures the Verizon Health Plans may make o your protected health inormation, your rights with respect to your protectedhealth inormation, and the Plans duties and obligations with respect to your protected health inormation.

In response to nal HIPAA regulations issued by the U.S. Department o Health and Human Services earlier this year, Verizonupdated the HIPAA Privacy Notice to refect applicable changes to Verizons HIPAA privacy policies and procedures eective onand ater September 23, 2013. The material changes to the HIPAA Privacy Notice address areas including: additional languagethat the Plan does not use protected health inormation that is genetic inormation or underwriting purposes, as dened in theHIPAA Privacy Rule; uses and disclosures o protected health inormation that require your individual authorization, such as uses

and disclosures o protected health inormation or marketing purposes and or a sale o protected health inormation under theHIPAA Privacy Rule; disclosures o a deceased individuals PHI to persons involved in the individuals care or payment or healthcare prior to death; modications to your individual right to request a restriction on the use and disclosure o your protected healthinormation, and your right to request access to your protected health inormation. With respect to your right to request access toyour protected health inormation, the HIPAA Privacy Notice includes additional inormation on your right to request and receive anelectronic copy o protected health inormation maintained in one or more designated record sets electronically.

The HIPAA Privacy Notice can be ound on BenetsConnection. You may view the notice and/or print a paper copy rom the website;or you also may request a paper copy by calling the Verizon Benets Center at 1-855-4VzBens (1-855-489-2367).

Summary Health Inormation Required by the Patient Protection and Aordable Care Act

Summaries o Benets and Coverage (SBCs) required by the Aordable Care Act are available on BenetsConnection at:www.verizon.com/benetsconnection. I you would like a paper copy o the SBCs (ree o charge), you may contact the VerizonBenets Center at 1-855-4Vz-Bens (1-855-489-2367).

Verizon is required to make SBCs, which summarize important inormation about health benet plan options in a standard ormat,available to help you compare across plans and make an inormed choice. The health benets available to you provide importantprotection or you and your amily in the case o illness or injury and choosing a health benet option is an important decision. SBCsare being made available in addition to other inormation regarding your health benets including Health Plan Comparison Chartswhich also can be ound on BenetsConnection.


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VZN A6 MidAtlantic

This Annual Enrollment Guide provides updates to your existing Summary Plan Description(s) as o January 1, 2014. Please

keep this Guide and any other summaries o material modifcations with your SPDs. This Guide does not describe otherbeneft changes that will become eective in 2015 under the new labor contracts. As always, the ofcial plan documents

determine what benefts are provided to Verizon employees, retirees and their dependents.Your SPDs are available at

www.verizon.com/beneftsconnection, or you can call the Verizon Benefts Center and request a printed copy ree o

charge. As explained in your SPD, Verizon reserves the right to amend or terminate any o its plans or policies at any time

with or without notice or cause, subject to applicable law and any duty to bargain collectively.

vz Open Enrollment 10-23 to 11-6-13 Active Employees, 11-7 to 11-21-13 Retirees

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Transcript of vz Open Enrollment 10-23 to 11-6-13 Active Employees, 11-7 to 11-21-13 Retirees