EyeMed Vision Care, Hyatt Legal Plans, and PinnacleCare Health Advisory Services

Transcription

1 EyeMed Vision Care, Hyatt Legal Plans, and PinnacleCare Health Advisory Services Voluntary benefits programs for Alcatel-Lucent active employees and their families and Radio Frequency Systems employees and their families EyeMed Vision Care Welcome Added Benefits Hyatt Legal Plans Website Information P innaclecare Health Advisory Services What s Inside: 2015 Voluntary Benefits Open Enrollment Period: September 22 October 31, 2014

2 Welcome Welcome to Your Voluntary Benefits Open Enrollment It s time to enroll in your voluntary benefits. Enrollment for your voluntary benefits begins at 9 a.m. Eastern Time (ET), September 22, 2014, and ends at 5 p.m. ET, October 31, You will be able to enroll, disenroll, or make changes to your EyeMed Vision Care, Hyatt Legal Plans, and PinnacleCare Health Advisory Services for 2015 during these dates only. Payments for voluntary benefits are made through convenient post-tax payroll deductions, which are broken out evenly over your 2015 payroll cycle. 1 Please note, at 5:00 p.m. ET, October 31, 2014 the open enrollment period for voluntary benefits will end, after which you will not be able to enroll in coverage for vision services, legal, or health advisory services, change your coverage level, or cancel coverage for 2015 unless you experience a qualified status change.

3 Added Benefits Website Accessing Your Added Benefits Online 1 Type 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. Welcome Screen: New users will need to set up an account. Log In: Existing account holders, please log in with your HRID and password. If you cannot remember your password, you may retrieve it here. 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 22 - October 31, American Benefits Consulting LLC 2

4 EyeMed Vision Care EyeMed Vision Care 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 during the Open Enrollment period to cancel your enrollment. Please refer to the chart on page 5 for the 2015 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. 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 Safekeeping You are able to print your ID card if you choose to do so. Please visit Member/Patient Services: SELECT PLAN A ABC COMPANY SUSAN SAMPLE Group #: Effective: 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. 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. 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. 3

5 EyeMed Vision Care 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 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 non-participating provider? If you choose to use a non-participating 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 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 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. We ve Gone Mobile! The app is for iphone, ipad, and ipod Touch users. To download that app search EyeMed using the Apple mobile app store. 4

6 EyeMed Vision Care Exams EyeMed Vision Standard Plan* Enhanced Plan* In-Network (member cost) Once per calendar year, covered in full Out-of-Network (maximum reimbursement) *In-Network differences between the Standard and Enhanced Plans are highlighted in yellow. In-Network (member cost) $40 Once per calendar year, covered in full 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 Out-of-Network (maximum reimbursement) 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 $75 $65 copay, 80% of $75 charge, less $120 allowance charge, less $120 allowance 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 Contact Lenses (in lieu of frames and lenses, allowance covers materials only) Conventional $100 allowance, 15% off balance over $100 Disposable $100 allowance, member cost is balance over $100 $50 Once per year, $130 allowance toward retail value, 20% off balance over $130 Once per calendar year $75 Once per calendar year $75 $75 $120 allowance, 15% off balance over $120 $75 $120 allowance, member cost is balance over $120 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 $40 and 2 follow-up visits Premium Contact Lens 10% off retail Not covered 10% off retail, then apply $40 allowance $40 Monthly Cost Employee $11.11 Employee + 1 $22.23 Family $30.57 Employee $12.81 Employee + 1 $25.64 Family $35.26 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. $40 $60 $75 $75 5

7 Hyatt Legal Hyatt Legal 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 during the Open Enrollment period to cancel your enrollment. 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 2015, the monthly rate is just $ 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-Network You 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 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 6

8 Hyatt Legal 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: 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 Family Matters Your coverage can be extended to 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 To enroll your/your spouse s parents, go to download the appropriate form, pay the upfront premium for a 2-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. 7

9 PinnacleCare Health Advisory Services PinnacleCare A team you can trust to guide you through your healthcare challenges. If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your PinnacleCare coverage, you must visit during the Open Enrollment period to cancel your enrollment. With the challenges healthcare can create, it s helpful to have guidance when you or someone in your family faces a serious medical diagnosis or major surgery. The high rates of misdiagnosis and the challenges associated with finding appropriate specialists make it important that you have access to the experts and resources you need to make informed and appropriate decisions. Connecting you with the answers you need Confirmation of your diagnosis Top specialists experienced in the treatment of your specific medical condition Appropriate and effective treatment options That s why Added Benefits has partnered with PinnacleCare, which has been serving individuals and their families for over a decade, to guide you through some of the most important decisions impacting your health and well-being. Advisory services may include What does PinnacleCare do? Gathering and forwarding of key medical records PinnacleCare is a private health advisory service that represents the best interests of individuals and their families when it comes to protecting their most valuable assets their health and well-being. It is an unbiased resource to which you can turn when facing or trying to prevent a major health problem. PinnacleCare will help you to avoid treatment delays and unnecessary costs associated with misdiagnosis and/or over diagnosis by expediting your access to top-rated specialists and medical research to help you deal with your specific challenge. With PinnacleCare, you ll have the support you need to do what s right for yourself and your family. Comprehensive research report on your diagnosis and treatment options Coordination of expert second medical opinion Customized referral report profiling top local, regional, or national in-network specialists Virtual consultation as warranted Pricing* $16/month (employee) $29/month (employee plus family) *Post-tax payroll deduction 8

10 PinnacleCare Health Advisory Services How does this differ from what we get through our doctors and medical plans? Your advisory team is not employed by any healthcare provider nor by 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. Are our conversations kept confidential? Yes, they are a Health Insurance Portability and Accountability Act-compliant company and no personal health information will be shared with any third party without your consent. 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. 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 of their recommendations will direct you, to resources that operate within your insurance provider s network. We encourage you to contact your insurance provider for any questions or concerns associated with claims and/or coverage. 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. 9

11 Added Benefits For more information on these and other programs, visit or call Select Option 1 for Active Employees At next prompt: Select Option 1 for Questions on Enrollment or payroll deductions Select Option 2 for Auto and Home Insurance Select Option 3 for a Hyatt Legal Rep Select Option 4 for an EyeMed Vision Care Rep Select Option 5 for a LifeLock Identity Theft Protection Rep Select Option 6 for a PinnacleCare Health Advisory Services Rep DON T FORGET ABOUT: The Group 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 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, 7 days a week to safeguard your personal information both online and off, helping to protect you from identity theft before it happens Remember, you can apply for auto and home coverage and enroll in LifeLock at any time during the year! 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 Radio Frequency Systems employees should visit 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. 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. 510

12 99 Park Avenue, 25th Floor New York, NY PRESORTED First-Class Mail U.S. POSTAGE PAID Buffalo, NY Permit No. 2 John Q. Sample Address Line 1 Address Line 2 City, State / / Voluntary benefits programs for Alcatel-Lucent ACTIVE employees and their families and Radio Frequency Systems employees and their families EyeMed Vision Care, Hyatt Legal Plans, and PinnacleCare Health Advisory Services ENROLLMENT INFORMATION FOR 2015 AME305