2017 Annual Open Enrollment Employee Meeting Presentation. Legacy Cablevision

Transcription

1 2017 Annual Open Enrollment Employee Meeting Presentation Legacy Cablevision

2 What We ll Cover Today 2017 Annual Open Enrollment Overview What s Important for 2017 Plan Highlights & What s Changing Medical and Prescription Drug Dental and Vision Flexible Spending Accounts (FSAs) Short- and Long-term Disability, Life Insurance and AD&D Group Legal Making Your Benefit Elections Important Reminders 2

3 LEARN... About Open Enrollment and What s Important for Annual Enrollment

4 2017 Annual Open Enrollment Overview The 2017 Annual Open Enrollment period for your Health and Welfare benefits begins 6:00 am EST on Thursday, November 17th, and ends at 8:00 pm EST on Monday, December 5th Altice USA is committed to supporting you and your family s physical, emotional and financial well-being Each year, we examine our plans carefully to see how we can continue to provide you with a competitive and comprehensive benefits package while at the same time managing employee cost 4

5 2017 Annual Open Enrollment Learn about your benefits and what s important for 2017 Read the 2017 Benefits Guide on MyHRInfo (via Marquee or at myhrinfo.cablevision.com) Attend an Employee Meeting to find out how to get the most out of your benefits Decide which options are right for you and your family Choose from a variety of plans and options Verify that any covered dependents are eligible Review the information for your beneficiaries to be sure it is up to date and accurate Go 5 Log onto MyHRinfo (via Marquee or at MyHRinfo.Cablevision.com) to enroll

6 Employee Costs Health care costs continue to rise due, in part, to ongoing implementation of the Affordable Care Act. Altice USA is doing everything we can to mitigate this impact to you and your families You will see an increase in Medical, Dental and Vision contributions consistent with prior years We will be introducing contributions for Medical and Dental for employees who make less than $50,000 per year You will see an increase in the following for the Medical Plan: Deductibles, Out-of-Pocket Maximums, Emergency Room Copay, and Option 2 Out-Of-Network Coinsurance Medical Coverage Please review the employee contributions and plan design in the 2017 Benefits Guide on MyHRinfo on Marquee or at MyHRinfo.Cablevison.com 6

7 Vendor Changes Effective 1/1/17, some of our plans will be administered by new vendors Express Scripts (ESI) will replace OptumRx as the Pharmacy Management provider WageWorks will replace PayFlex as the Flexible Spending Accounts (FSA) administrator Securian will replace MetLife as the Life Insurance, Accidental Death & Dismemberment, and Business Travel Accident provider Liberty Mutual will replace MetLife as the Disability provider ComPsych will replace Optum as the Employee Assistance Program (EAP) provider 7

8 Paid Time Off Sick days Provide all FT non-exempt and exempt employees with 7 sick days/56 hours with 2 days allocated in December 2016 and 5 days allocated in January 2017 Benefits eligible PT employees will receive 5 Sick days/40 hours. There will be no unused sick or personal payout in 2017 Vacation No change for FT or PT employees Personal Time for FT employees is 3 days/24 hours Holidays Reduce from 10 to 9 days (eliminate additional day associated with Fourth of July) The 2017 Holiday Schedule below can be found on Marquee January 2 January 16 February 20 May 29 July 4 September 4 November 23 November 24 December 25 Recognition of New Year s Day Martin Luther King Jr. Day President s Day Memorial Day Independence Day Labor Day Thanksgiving Day Day after Thanksgiving Christmas Day Special Note: Vacation, sick and personal time are accrued on an hours basis where one day is equivalent to 8 hours for all employees who work a 40 hour work week. For example, 7 sick days are equal to 56 hours of sick time Note all company time off is subject to state and local requirements 8

9 Employee Product Benefit Plan Video Service Tier 1 (Below VP) Tier 2 (VP and Above and Retirees) Premium Video Services Free Free Pay per View and Video On Demand 20% discount 20% discount Subscription Video On Demand Free Free International Channels Free Free Standard Sports Packages Free Free Premium Sports Packages Retail Price Retail Price CVC Multi-Room DVR Plus or DVR Service* One (1) instance of Multi-Room DVR Plus or DVR Service* free, Additional Multi-Room DVR Plus or DVR Service Retail Price One (1) instance of Multi-Room DVR Plus or DVR Service* free, Additional Multi-Room DVR Plus or DVR Service Retail Price DVR Video Boxes First DVR or non-dvr box free, 2 nd + Retail Price First DVR or non-dvr box free, 2 nd + Retail Price Equipment Non-DVR Video Boxes First DVR or non-dvr box free, 2 nd + Retail Price First DVR or non-dvr box free, 2 nd + Retail Price Data/Internet Voice CVC 1 Rewind Live TV Buffer First free, 2 nd + Retail Price First free, 2 nd + Retail Price CVC Wireless Router Free Free CVC Modem Retail Price Retail Price CVC Optimum Online (OOL) 25Mbps, Ultra 60 or Ultra 101 Free $25 CVC 200Mbps $10 $35 CVC 300Mbps $45 $70 Voice $5 $20 Voice Additional Line Retail Price Retail Price International Calling Retail Price Retail Price *CVC Off system cable allowance will be eliminated in If you have any questions, please contact the Employee Accounts Group at or the HR Service Center at

10 Retiree Product Benefit Design Feature Eligibility & Benefit Duration 2017 CVC & SDL Current retirees No change to duration of benefit communicated at time of separation Future retirees CVC 20 years of service: 10 year benefit 25 years of service: 15 year benefit 30 years of service: lifetime benefit Benefit Current retirees Transition to Tier 2 pricing (i.e. VP and above pricing) Future retirees Tier 2 pricing If you have any questions, please contact the Employee Accounts Group at or the HR Service Center at

11 Retirement Plans From now until 6/30/17, there will be no change to the current respective CVC retirement plan other than: Liquidate legacy company stock funds in Cablevision 401(k) Savings Plan MSG, MSGN, and AMCN (12/19/16) Please visit for information regarding your 401(k) Plan, such as your investment options and beneficiary designations 11

12 Enrollment Deadline You must enroll in benefits no later than 8:00 pm EST on Monday, December 5th If you don t enroll, your 2016 elections will carry over to 2017 with the exception of your Flexible Spending Accounts (FSAs) We encourage you to review all of your 2017 benefit elections during the 2017 Open Enrollment period You will not be able to make any changes to your 2017 benefits after Annual Open Enrollment unless you experience a Qualifying Life Event. Please refer to the 2017 Benefits Guide for a list of Qualifying Life Events 12

13 Plan Highlights 2017 Annual Open Enrollment DECIDE... What options are best for you

14 How the Medical Plan Works Employees may choose between UHC Choice Plus Option 1 or UHC Choice Plus Option 2 Both options offer open access flexibility. This means that whichever option you choose you: Have access to coverage both in- and out-of-network Can visit a specialist without a referral Don t need to select a primary care physician Have in-network preventive care covered at 100% In addition under both options: Certain in-network services, such as physician office visits, Emergency Room (ER) and urgent care visits, are subject to a copay For services not subject to a copay, a deductible must be met each calendar year before services are covered by the Plan. You are then responsible for the coinsurance Both plans have an annual out-of-pocket maximum the Plan pays 100% of all eligible costs after you meet this maximum. There are separate in- and out-of-network annual out-of-pocket maximums Prescription drugs, office visits, ER and urgent care visit copays, will count toward your annual innetwork out-of-pocket maximum. The amounts you pay above R&C costs for out-of-network care do not count toward your OOP maximum 14

15 Preventive Care vs. Diagnostic Services Certain medical services can be categorized as preventive or diagnostic this determines whether you will be required to pay for a visit to the doctor Based on certain guidelines, when an in-network service is performed and billed as a preventive screening, it will be processed at 100% you will pay nothing. Preventive screenings include routine annual checkups When a service is done for diagnostic purposes, you will either pay a copay or it will be subject to your deductible and coinsurance Please visit uhcpreventivecare.com for more information 15

16 What s Changing Introducing the Altice USA North Medical Plan employees whose primary work location is located within the Northeast region of Altice USA are eligible for this plan region of Altice USA are eligible for these plans For the Medical Plan in 2017, you will see an increase in the following: Employee contributions for Options 1 and 2 In-Network and Out-of-Network deductibles for Options 1 and 2 In-Network out-of-pocket maximums for Options 1 and 2, and Out-of- Network out-of-pocket maximum for Option 1 Out-of-Network coinsurance for Option 2 Emergency Room copay Pharmacy Management Vendor will be changing to Express Scripts (ESI) 16Members will receive a new UHC Medical ID Card, and a separate ESI

17 New Pharmacy Management Express Scripts (ESI) will be the pharmacy management provider for 2017 Similar to past years, when you enroll in a Medical Plan option, you automatically receive prescription drug coverage You will receive a new UHC Medical ID card, and a new ESI Pharmacy ID Card Similar to past years, effective 1/1/17, the plan s list of preferred drugs (or formulary) will change 17 Some preferred medications (Tier 2) will become non-preferred (Tier 3), and vice versa If you or a covered dependent are currently taking a medication that will either be excluded or impacted by up-tiering (moving from Tier 2 to Tier 3) due to the formulary change, you will receive a letter from ESI in December Please visit the ESI preferred drug list at to determine coverage for the prescriptions that you, or any covered dependents, are currently taking You may want to talk to your doctor about a lower-cost generic or preferred brand medications

18 New Pharmacy Management Any maintenance mail order prescriptions, as well as prior authorizations, that you, or any covered dependents, are currently receiving through OptumRx will automatically be transferred to ESI If you are currently taking a specialty medication through UHC s Specialty Pharmacy Program, you will need a new prescription to submit to Accredo, ESI s Specialty Pharmacy Your specialty medication prescription will not automatically transfer over to Accredo Please reach out to Accredo ( ) at least two weeks before your medication supply runs out to provide the prescription information 18

19 UHC Choice Plus Option 1 In-Network Annual Deductible Individual: $500 Family: $1,500 Out-of-Network Individual: $1,500 Family: $4,500 Annual Out-of-Pocket (OOP) Maximum* Coinsurance (Percentages you and the Plan pay for services) Individual: $3,000 Family: $7,500 You pay: 20% after deductible Plan pays: 80% Individual: $6,000 Family: $15,000 You pay: 40% after deductible plus any amount over R&C Plan pays: 60% of R&C* Routine Adult Physical You pay: $0 Not Covered Doctor s Office Visit You pay: Primary care: $25 copay Specialist: $40 copay You pay: 40% after deductible plus any amount over R&C Emergency Room You pay: $250 copay (waived if admitted) Urgent Care You pay: $25 copay You pay: 40% after deductible plus any amount over R&C Inpatient Hospitalization, Lab Work and X-rays Prescription Drug Tiers 1 / 2 / 3 You pay: 20% after deductible You pay: Retail: $10 / $30 / $45 copay Mail Order: $20 / $60 / $90 copay You pay: 40% after deductible plus any amount over R&C Not Covered *When you use an out-of-network provider, you are responsible for any amount above reasonable and customary (R&C). Once the OOP maximum is met, the Plan will pay 100% of R&C. Amounts above R&C do not apply to the OOP maximum. 19

20 UHC Choice Plus Option 2 In-Network Annual Deductible Individual: $900 Family: $2,700 Out-of-Network Individual: $2,700 Family: $8,100 Annual Out-of-Pocket (OOP) Maximum* Coinsurance (Percentages you and the Plan pay for services) Individual: $6,850 Family: $13,700 You pay: 20% after deductible Plan pays: 80% Individual: $8,000 Family: $20,000 You pay: 50% after deductible plus any amount over R&C Plan pays: 50% of R&C* Routine Adult Physical You pay: $0 Not Covered Doctor s Office Visit You pay: Primary care: $25 copay Specialist: $40 copay You pay: 50% after deductible plus any amount over R&C Emergency Room You pay: $250 copay (waived if admitted) Urgent Care You pay: $25 copay You pay: 50% after deductible plus any amount over R&C Inpatient Hospitalization, Lab Work and X-rays Prescription Drug Tiers 1 / 2 / 3 You pay: 20% after deductible You pay: Retail: $10 / $30 / $45 copay Mail Order: $20 / $60 / $90 copay You pay: 50% after deductible plus any amount over R&C Not Covered *When you use an out-of-network provider, you are responsible for any amount above reasonable and customary (R&C). Once the OOP maximum is met, the Plan will pay 100% of R&C. Amounts above R&C do not apply to the OOP maximum. 20

21 Medical Plan Example MEET Eric. HE: Makes $45,000 a year and has no dependents Values low per-paycheck contributions and plans to seek preventive care in 2017 Always uses in-network providers Service UHC Choice Option 1 UHC Choice Option 2 Annual physical exam (in-network) + one additional visit to his primary care physician (in-network) Eric pays Annual physical exam = $0 Additional visit = $25 Eric pays Annual physical exam = $0 Additional visit = $25 Two in-network specialist visits ($40 copay per visit) Two generic drug prescriptions ($10 per prescription) $80 $80 $20 $20 Cost of services for 2017 $125 $125 Annual contributions for 2017 $762 $190 Total cost $887 $315 21

22 Choosing a Medical Plan UnitedHealthcare Health Plan Cost Estimator The UHC Health Plan Cost Estimator works by gathering information about your health to predict upcoming medical expenses Use this tool to help you choose the right medical option for you and your family. Log on to: pcestimator.com Username: AlticeUSA2017 Password: Benefits2017 Visit to locate a provider or to check whether your current provider is participating in the UnitedHealthcare Choice network. 22

23 How the Dental Plan Works Introducing the Altice USA North Dental Plan employees whose primary work location is located within the Northeast region of Altice USA are eligible for this plan For 2017, employees may choose between the Aetna Dental Preferred Provider Organization (DPPO) option and the Aetna Dental Maintenance Organization (DMO ) option There will be no plan design changes for 2017 There is an increase in employee contributions for dental coverage Both Dental Plan options: Cover preventive dental care at 100%, including regular cleanings and x-rays Provide coverage for a wide range of dental services to help you and your covered family members maintain good dental health 23 Orthodontia coverage at 50%

24 How the Dental Plan Works Aetna Dental Preferred Provider Organization (DPPO) option You have a choice of using in- and out-of-network dentists No primary care dentist referral is necessary Once you meet the annual deductible, the Plan pays a percentage of charges for Basic and Major services until the calendar year maximum is met The Plan pays 50% for orthodontia up to a $2,000 lifetime maximum Aetna Dental Maintenance Organization (DMO ) option You must designate a DMO primary care dentist (PCD) to coordinate care You must visit your PCD and get a referral to a specialist in the network, if necessary The Plan will not pay benefits if you use an out-of-network dentist or use an in-network dentist without a referral from your PCD There is no annual deductible and no calendar year maximum benefit 24

25 How the Vision Plan Works You may choose between the Vision Service Plan (VSP) Basic Option and the VSP Buy-Up Option The allowance for frames and contact lenses are each increasing to $150, from $120 and $105, respectively There will be an increase in employee contributions for vision coverage Under both options, coverage includes a vision exam once every calendar year Under the Basic Option, you may purchase: One set of lenses for your glasses or one set of contact lenses (up to a $150 allowance) every calendar year One set of frames every two calendar years, up to a $150 allowance (20% discount on any amounts over allowance), provided you did not utilize the contact lens allowance in the prior year Under the Buy-Up Option, you may purchase: One set of frames every calendar year, up to a $150 allowance (20% discount on any amounts over allowance) or contact lenses every calendar year, up to a $150 allowance One set of lenses for your glasses or one set of contact lenses, and either a second pair of glasses or a second set of contact lenses every calendar year (up to the applicable allowance As part of the VSP Network, you also have access to participating retail chains to shop for eyewear including Shopko, Costco Optical, Visionworks and Cohen s Fashion Optical 25

26 Flexible Spending Accounts (FSA s) WageWorks will be the FSA administrator for 2017 If you enroll in a 2017 Health Care FSA, you will receive a new WageWorks debit card in the mail The Health Care FSA allows you to set aside a portion of your earnings before taxes are withheld to pay for eligible out-of-pocket medical, dental and vision expenses (including copays, deductibles, coinsurance and prescription drugs) You may contribute up to $2,600 to the Health Care FSA to pay for eligible expenses that you and your eligible dependents (not including your domestic partner or your domestic partner s eligible dependents) incur during the year The Dependent Care FSA allows you to set aside a portion of your earnings before taxes are withheld to pay for eligible child care costs or for care for an elderly or disabled parent You may contribute up to $5,000 each year to the Dependent Care FSA to pay for the cost of day care services for dependent children up to age 13, or up to $2,500 if you are married and file separate tax returns from your spouse 26

27 2016 Flexible Spending Account Balances If you have a balance in your 2016 Health Care FSA and/or Dependent Care FSA, you may submit expenses that you incur through March 15, 2017 Eligible expenses can be submitted to PayFlex until December 16, 2016 please do not submit any expenses to PayFlex after this date You may no longer use the PayFlex card for expenses you incur after December 16, 2016 There will be a WageWorks Hold Period from December 16, 2016 to January 17, 2017 Beginning January 18, 2017, you can submit eligible expenses to WageWorks You have until June 15, 2017 to submit any 2016 eligible expenses to WageWorks 27

28 Flexible Spending Accounts (FSA s) 2017 Health Care FSA Carryover At the end of the 2017 plan year, you may carry over up to $500 of unused funds remaining in your Health Care FSA These carryover funds will be available to reimburse claims that you and your eligible dependents incur after the run out period has ended through the end of the year for claims you incur beginning in April 2018 through December 31, Dependent Care FSA Grace Period You may use your 2017 Dependent Care FSA for eligible expenses incurred through March 15, 2018 You will then have until June 15, 2018 to submit your eligible expenses for reimbursement Questions? Please visit or call You must actively re-enroll in the FSAs for Your current FSA elections will not roll over into 2017, even if you elected to contribute to an account in

29 Short-Term Disability The vendor for the Short-Term Disability (STD) Program in 2017 will be Liberty Mutual If you are a full-time employee you are automatically eligible for STD coverage, which is designed to provide you with a level of income replacement if you are unable to work because of a disabling illness or injury Coverage begins 90 days from your date of hire Company provided you pay nothing for this coverage Payments begin on the eighth consecutive day of a qualifying disability Continues to pay benefits for up to 26 weeks, if you continue to qualify Payments you receive from the Plan are considered taxable income Benefit amount is based on your eligible pay and length of service at onset of disability Effective 1/1/17, the Workers Compensation supplement has be eliminated Length of Service (at the onset of disability) Weeks of Eligible Pay at 100% Weeks of Eligible Pay at 60% 91 days 4 years 0 Up to years or more Up to 8 Up to 18

30 Long-Term Disability The vendor for the Long-Term Disability Plan in 2017 will be Liberty Mutual You may be eligible for LTD benefits if, after 26 weeks of STD, you are still disabled and cannot work due to your own injury or illness LTD provides 60% of your monthly eligible pay, up to a maximum of $15,000 per month, for qualifying disabilities Benefits are payable after a 180 consecutive day (six-month) waiting period The Company provides LTD protection at no cost to you (but only full-time employees are eligible for LTD coverage) You have the option to elect to pay for LTD coverage with after-tax payroll deductions the rate is decreasing from $0.55 to $0.531 for every $100 of your monthly eligible pay If you elect to pay for LTD coverage with after-tax payroll deductions, the benefits you receive are not taxable income If you elect the employer-paid LTD option, the benefits you receive will be taxable Refer to your 2017 Benefits Guide for more details 30

31 Company-provided Life Insurance The carrier for the Life Insurance in 2017 will be Securian The Company provides you with Basic Employee Life Insurance coverage at no cost to you. The amount of Basic Employee Life Insurance coverage will be changing to 1x your annual eligible pay (up to a maximum of $1 million) The Company also provides you with Basic Dependent Life Insurance coverage for your spouse/domestic partner and eligible dependent children Spouse/domestic partner: $5,000 Eligible dependent children through age 19 (or age 25 if a full-time student): $5,000 Ensure that information for your beneficiaries is up-to-date. You can update your beneficiary(ies) online via MyHRinfo during Open Enrollment 31

32 Supplemental Employee-paid Life Insurance The employee contribution rates for Employee Supplemental Life Insurance and Spouse/Domestic Partner Life Insurance will be decreasing for 2017 Employee Supplemental Life Insurance Beginning in 2017, you may now elect from 1x up to 8x your annual eligible pay, up to a maximum of $3 million (it is currently 1x-6x in 2016) Special opportunity for 2017 Open Enrollment only: if you are not currently enrolled in Employee Supplemental Life Insurance for 2016, you may elect 1x Employee Supplemental Life Insurance without being required to provide evidence of good health. Any election beyond 1x will require you to provide evidence of good health If you are currently enrolled in Employee Supplemental Life Insurance for 2016, you may increase your election by 1x (up to the lesser of 3x and $500,000) without being required to provide evidence of good health. Any election above that would require you to provide evidence of good health Supplemental Life Insurance for Spouse/Domestic Partner Beginning in 2017, you may now elect from 1x up to 8x your annual eligible pay, not to exceed either your own Supplemental Life Insurance coverage or $500,000 (it is currently 1x-6x in 2016) You must elect your own Supplemental Life Insurance coverage to be eligible to elect Supplemental Life Insurance for your spouse/domestic partner 32 A new election, as well as any increase, will require evidence of good health

33 Supplemental Employee-paid Life Insurance Supplemental Life Insurance for Child(ren) Coverage amounts of either $10,000 or $20,000 You must elect your own Supplemental Life Insurance coverage to be eligible to elect Child Supplemental Life Insurance Beginning in 2017, you will no longer be required to provide evidence of good health for Supplemental Life Insurance for a child If you and your spouse/domestic partner both work for the Company, then you cannot elect Supplemental Life insurance for each other. In addition, if you choose to elect Supplemental Life insurance coverage for your child(ren), your child(ren) can only be covered under one employee s coverage Life Insurance coverage for you and your spouse/domestic partner will reduce beginning with age 65 33

34 Accidental Death & Dismemberment The carrier for the AD&D coverage in 2017 will be Securian The Company provides you with Basic Employee Accidental Death & Dismemberment (AD&D) coverage at no cost to you. The amount of Basic Employee Life Insurance coverage will be changing to 1x your annual eligible pay (up to a maximum of $1 million) In addition to the Basic AD&D coverage provided by the Company, you can elect Supplemental AD&D coverage for yourself and your eligible dependents You can elect Supplemental AD&D for yourself in increments of $10,000 up to $1,000,000 in coverage (the current maximum for 2016 is $500,000) If you elect coverage for your dependents, their coverage is based on the amount you elect for yourself If you and your spouse/domestic partner both work for the Company, then you and your spouse/domestic partner cannot elect Supplemental AD&D insurance for each other. In addition, if you choose to elect Supplemental AD&D coverage for your child(ren), your child(ren), can only be covered under one employee s plan AD&D coverage will reduce beginning with age 65 34

35 Group Legal Plan The Plan pays 100% of coverage if you use a plan attorney (reimbursement up to a pre-set dollar amount if you use a non-plan attorney) for eligible legal services Expenses and third-party costs, such as filing fees or court costs, are not covered by the Plan The Group Legal Plan provides coverage for certain legal services, including: Document preparation including wills and estate planning Legal representation when purchasing a home, and with certain debt problems, bankruptcy and small-claim actions Pet liability representation Civil, juvenile and traffic court defense Real estate issues Consultation and advice on a broad range of legal issues If you elect to participate in the Group Legal Plan, your monthly cost is $16.50 Also available Family Matters program which provides assistance with estate planning documents 35

36 Making Your Benefit Elections 2017 Annual Open Enrollment GO... Log onto MyHRinfo at MyHRinfo.cablevision.com

37 Making Your Benefit Elections Annual Open Enrollment period: 6:00 am EST on Thursday, November 17 through 8:00 pm EST on Monday, December 5 Learn: Read the 2017 Benefits Guide. The clickable format makes it easy to get details on the options available to you Decide: Review your options and consider your needs for the upcoming year Verify that your covered dependents are still eligible for the Benefits Program Confirm/update information for your beneficiaries Go: Log onto MyHRInfo and enroll Print a confirmation for your records 37

38 Making Your Benefit Elections 1. Simply log on to MyHRInfo at myhrinfo.cablevision.com 2. Your User ID is your six-digit PeopleSoft ID (also known as your Employee ID ) number You will need an iauthenticate password to access the system. If you have a Network ID (or login for Altice USA s internal network), your iauthenticate password is the same as your Network password 3. Now you are ready to enroll Log on to MyHRInfo using your six-digit User ID and your iauthenticate password 4. After you have made all your 2017 elections, review the Health and Welfare Enrollment page that will show the coverage you will have in 2017 and your per-pay-period contributions for each option elected 5. Review your elections to ensure that they are accurately recorded. If correct, click Submit to save and record your elections 38 If you forgot your password, click the Forgot your password link to reset your password. You will be asked to answer security questions as part of the process. You can also call the IT Service Desk at HELP.

39 Confirming Your 2017 Elections Once your 2017 elections have been submitted, you will be taken to your Health and Welfare Confirmation Page Review your 2017 coverage Verify the dependents you have enrolled for 2017 meet the eligibility requirements Please print a copy of this page for your records You will not receive a confirmation statement in the mail and will not have another opportunity to enroll for 2017 once the enrollment period ends, unless, you experience a qualifying life event during the year and make changes within 31 days of the event If you do not see a Health and Welfare Confirmation Page, you did not submit your elections correctly. Return to your elections and submit again You can access your enrollment via MyHRInfo as many times as you would like during Annual Open Enrollment Need help? Call or the HR Service Center at or HRServiceCenter@AlticeUSA.com 39

40 Important Reminders 2017 Annual Open Enrollment

41 If You Do Not Enroll Your 2016 benefits will continue in 2017 with the exception of the Flexible Spending Accounts (FSAs). If you do not enroll by 8:00 pm EST on Monday, December 5th, your benefits elections will be assigned to you as indicated in the chart below: 2016 Coverage 2017 Coverage Medical Plan Dental Plan Vision Plan Supplemental Life Insurance Plan Supplemental AD&D Plan Long-Term Disability Plan Group Legal Plan Health Care and/or Dependent Care Flexible Spending Account Your current 2016 elections for these Plans will roll over into You will also continue to cover any dependents who were covered in 2016, if they remain eligible Take this opportunity to REVIEW and UPDATE your eligible dependents for 2017 Your participation will end as of December 31, To participate in an FSA in 2017, you must re-enroll during the enrollment period 41

42 Remember To enroll in your benefits, log on to MyHRInfo through the Company intranet, or at myhrinfo.cablevision.com from any computer once the enrollment period begins at 6:00 am EST on Thursday, November 17th If you do not enroll by 8:00 pm EST Monday, December 5th, your 2016 benefits will continue in 2017 with the exception of the Flexible Spending Accounts (FSAs). To participate in an FSA, you must enroll during the enrollment period Annual Open Enrollment is the only time that you can make any changes to your 2017 health and welfare benefits elections, including adding and removing dependents (unless you have a qualifying life event and make changes within 31 days of the event). Don t miss out on your opportunity to enroll! For more detailed information on your 2017 benefits options, access the 2017 Benefits Guide on the Company intranet or MyHRInfo Call the HR Service Center at with any questions 42

43 Resources available to help you choose HR Service Center at or at UHC Plan Cost Estimator -- pcestimator.com MyHRInfo on the Company intranet or at MyHRInfo.Cablevision.com 2017 Benefits Guide on MyHRInfo Wellness360 on Marquee or at or

44 For more information please contact the HR Service Center at or 2017 Annual Open Enrollment

45 Appendix 2017 Annual Open Enrollment

46 Key Terms Refresher Copayment (Copay): A flat dollar amount you pay when you receive care for certain services. You do not have to meet your deductible first for these services. Deductible: The amount you pay before a plan begins paying benefits. You must meet your deductible each calendar year before benefits are paid by the plan. Not all services require that the deductible to be met before services are paid. Coinsurance: The percentage of the total cost of health care services that you pay and that a plan pays after a deductible has been met (e.g., for in-network care under UHC Choice Plus Option 1, you pay 20% and the Plan pays 80% of the cost of certain services after you meet a $500 individual deductible). Reasonable and Customary (R&C): Insurance carriers set R&C charges for out-of-network Medical and Dental expenses. What is considered R&C is determined by a range of fees charged for the same (or similar) service by providers with comparable backgrounds and training in the same geographic area. You are responsible for paying any amounts over R&C costs. Out-of-Pocket (OOP) Maximum: The highest amount you will pay in one calendar year for your eligible health care expenses. Copays, including those for prescription drugs, office visits, ER visits and urgent care visits, will count toward your annual in-network out-of-pocket maximum in The amounts you pay above R&C costs for out-of-network care do not count toward your OOP maximum. It s important to note that In-Network and Out-of-Network deductibles do not cross apply. 46

47 Medical and Prescription Drug Plan Design 2016 vs Altice USA North Medical Plan Cablevision Cablevision Altice USA North Altice USA North Design Feature Deductible In-Network Option 1 Option 2 Option 1 Option 2 Out-of- Network In-Network Out-of- Network In-Network Out-of-Network In-Network Out-of-Network Individual $400 $1,300 $600 $2,000 $500 $1,500 $900 $2,700 Family $1,200 $3,900 $1,800 $6,000 $1,500 $4,500 $2,700 $8,100 Copayments (Non Preventive) PCP/Specialist $25/$40 60% after ded $25/$40 60% after ded $25/$40 60% after ded $25/$40 50% after ded Inpatient Copay None None None None None None None None Urgent Care Copay $25 $25 $25 $25 $25 $25 $25 $25 Emergency Room Copay $100 $100 $100 $100 $250 $250 $250 $250 Coinsurance 80% 60% 80% 60% 80% 60% 80% 50% Medical Out-of-Pocket Maximums (included deductible and copays) Individual $2,000 $4,000 $4,000 $8,000 $3,000 $6,000 $6,850 $8,000 Family $5,000 $10,000 $10,000 $20,000 $7,500 $15,000 $13,700 $20,000 Rx Out-of-Pocket Maximum Individual N/A Included in Medical OOPM N/A Included in Medical OOPM N/A Included in Medical OOPM Family N/A Included in Medical OOPM N/A Included in Medical OOPM N/A Included in Medical OOPM Retail Copayments $10 / $30 / $45 $10 / $30 / $45 $10 / $30 / $45 Mail Copayments $20 / $60 / $90 $20 / $60 / $90 $20 / $60 / $90 47 Preventive care is covered at 100%

48 Altice USA North Medical Plan Contributions United Healthcare Option 1 North Option 1 Tier 2016 Bi-weekly Contribution 2017 Bi-weekly Contribution $ Difference < $50,000 EE Only $27.32 $29.33 $2.01 EE + 1 $53.27 $57.18 $3.91 Family $81.96 $87.98 $6.02 $50,000 - $69,999 EE Only $35.86 $41.40 $5.54 EE + 1 $69.92 $80.73 $10.81 Family $ $ $16.63 $70,000 - $89,999 EE Only $59.76 $65.55 $5.79 EE + 1 $ $ $11.29 Family $ $ $17.37 $90,000 - $109,999 EE Only $92.20 $98.33 $6.13 EE + 1 $ $ $11.95 Family $ $ $18.38 $110,000 - $199, EE Only $ $ $11.41 EE + 1 $ $ $22.24 Family $ $ $34.22 $200,000+ EE Only $ $ $4.68 EE + 1 $ $ $9.13 Family $ $ $14.04 Part-Time Employees EE Only $ $ $11.41 EE + 1 $ $ $22.24 Family $ $ $34.22

49 Altice USA North Medical Plan Contributions United Healthcare Option 2 North Plan - Option 2 Tier 2016 Bi-weekly Contribution 2017 Bi-weekly Contribution $ Difference 49 < $50,000 EE Only $0.00 $7.30 $7.30 EE + 1 $0.00 $14.24 $14.24 Family $0.00 $21.90 $21.90 $50,000 - $69,999 EE Only $16.42 $24.34 $7.92 EE + 1 $32.02 $47.46 $15.44 Family $49.26 $73.02 $23.76 $70,000 - $89,999 EE Only $42.70 $48.68 $5.98 EE + 1 $83.26 $94.92 $11.66 Family $ $ $17.95 $90,000 - $109,999 EE Only $59.12 $69.36 $10.24 EE + 1 $ $ $19.98 Family $ $ $30.75 $110,000 - $199,999 EE Only $65.69 $80.32 $14.63 EE + 1 $ $ $28.53 Family $ $ $43.91 $200,000+ EE Only $76.63 $87.62 $10.99 EE + 1 $ $ $21.43 Family $ $ $32.96 Part-Time Employees EE Only $65.69 $80.32 $14.63 EE + 1 $ $ $28.53 Family $ $ $43.91

50 2017 Altice USA North Dental Plan Design Feature Deductible North DPPO Option (CVC) In-Network North DHMO Option (CVC) In-Network Individual $50 None Employee + 1 $100 None Family $150 None Services Preventative and Diagnostic Care 100%, no deductible 100% Basic Restorative Care 80% after deductible 100% Major Restorative Care 50% after deductible 60% Orthodontia* 50%, no deductible 50% Out-Of-Pocket Maximums Calendar Year Maximum $2,000 None Orthodontia Lifetime Maximum* $2,000 One treatment per person *Adult orthodontia will be offered to SDL 1/1/17 50

51 Altice USA North Dental Plan Contributions DPPO and DHMO Option Tier 2016 Bi-weekly Contribution Altice North Dental Plan PPO 2017 Bi-weekly Contribution $ Difference <$50,000 EE Only $2.68 $3.47 $0.79 EE + 1 $5.25 $6.76 $1.51 Family $7.94 $10.40 $2.46 $50,000 - $69,999 EE Only $3.79 $4.82 $1.03 EE + 1 $7.57 $9.39 $1.82 Family $9.49 $12.72 $3.23 $70,000 - $89,999 EE Only $4.37 $5.40 $1.03 EE + 1 $8.72 $10.52 $1.80 Family $10.91 $13.87 $2.96 $90,000 - $109,999 EE Only $5.75 $7.13 $1.38 EE + 1 $11.48 $13.90 $2.42 Family $14.36 $18.49 $4.13 $110,000 - $199,999 EE Only $6.00 $7.13 $1.13 EE + 1 $12.01 $13.90 $1.89 Family $15.01 $18.49 $3.48 $200,000+ EE Only $6.00 $7.13 $1.13 EE + 1 $12.01 $13.90 $1.89 Family $15.01 $18.49 $3.48 Tier 2016 Bi-weekly Contribution Altice North Dental Plan - DHMO 2017 Bi-weekly Contribution $ Difference <$50,000 EE Only $0.00 $0.43 $0.43 EE + 1 $0.00 $0.82 $0.82 Family $0.00 $1.56 $1.56 $50,000 - $69,999 EE Only $3.16 $1.66 ($1.50) EE + 1 $6.21 $3.13 ($3.08) Family $7.91 $4.68 ($3.23) $70,000 - $89,999 EE Only $3.07 $3.25 $0.18 EE + 1 $6.00 $6.13 $0.13 Family $7.61 $8.31 $0.70 $90,000 - $109,999 EE Only $4.00 $4.41 $0.41 EE + 1 $7.80 $8.31 $0.51 Family $10.00 $11.17 $1.17 $110,000 - $199,999 EE Only $4.20 $4.41 $0.21 EE + 1 $8.19 $8.31 $0.12 Family $10.50 $11.17 $0.67 $200,000+ EE Only $4.20 $4.41 $0.21 EE + 1 $8.19 $8.31 $0.12 Family $10.50 $11.17 $

52 Altice USA 2017 Vision Contributions Altice USA Basic Vision Plan (CVC) Tier 2016 Bi-weekly Contribution 2017 Bi-weekly Contribution EE Only $1.98 $2.35 EE + 1 $3.59 $4.70 Family $5.56 $7.56 Altice USA Buy-Up Vision Plan (CVC) Tier 2016 Bi-weekly Contribution 2017 Bi-weekly Contribution EE Only $3.44 $3.78 EE + 1 $6.31 $7.57 Family $9.83 $

53 Altice USA Supplemental Life Contributions Supplemental Life Insurance Age Monthly Cost per $1,000 Age Monthly cost per $1,000 Under 30 $0.05 Under 25 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $