Annual Enrollment. HERBERT BARREE AT&T Retiree Annual Enrollment 2017

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1 Annual Enrollment 2017 HERBERT BARREE AT&T Retiree a

2 NIN AT&T would like to extend a warm thank you to all the active and former employees who participated in the Annual Enrollment/Benefits photo shoots. DISTRIBUTION: Distributed to retired bargained employees of Legacy SBC East who retired on or after 4/9/12 and who hired/rehired/transferred after 6/3/13, retired on or after 4/9/12 and who hired/rehired/transferred after 8/8/09 and on or before 6/3/13, retired on or after 4/9/12 and who hired/rehired on or before 8/8/09; bargained employees and bargained temporary or term employees of Legacy BellSouth Billing, Legacy BellSouth, Legacy BellSouth Telecommunications - Utility Operations, Wire Technicians U-verse Field Operations (Southeast), Bellsouth Telecommunications who retired on or after 8/6/12 and who hired/rehired/transferred after 8/8/09, retired on or after 8/6/12 and who hired/rehired on or before 8/8/09, retired on or after 8/6/12 and who hired/retired/transferred after 8/8/09 and on or before 8/17/12, retired on or after 8/6/12 and who hired/retired/transferred after 8/17/12; nonmanagement nonunion and bargained employees of Legacy SBC West Core CWA who retired on or after 4/9/12 and who hired/rehired/transferred after 4/7/13, retired on or after 4/9/12 and who hired/rehired/transferred after 8/8/09 and on or before 4/7/13, retired on or after 4/9/12 and who hired/rehired on or before 8/8/09 and any associated LTD recipients, survivors of retirees and COBRA participants. IMPORTANT: This document was written to make it easier to read. So, sometimes it uses informal language, like AT&T employees, instead of precise legal terms. Also, this is only a summary and your particular situation could be handled differently. Specific details about your benefits, including eligibility rules, are in the summary plan descriptions (SPDs), summaries of material modifications (SMMs) or the plan documents. The plan documents always govern, and they are the final authority on the terms of your benefits. AT&T reserves the right to terminate or amend any and all benefits plans, and your participation in the plan is neither a contract nor a guarantee of future employment.

3 Get started Introduction... 2 Medical CarePlus... 5 FIMCO/ONA... 6 Vision... 9 Resources Enroll your dependents prescription copayment deadline Medical ID cards Beneficiary information Medicare Women s Health Notice Get ready and enroll Table of Contents 1

4 A fresh look It's time for annual enrollment. Take a fresh look at your benefits to see what s new. Annual enrollment it s probably familiar territory. But health, habits and priorities change and so do your benefits. Think of it like annual spring cleaning: familiar, but also fresh and new, allowing you to see things that could make your life better. Whether you ve just retired or have been retired for many years, take a fresh new look at your benefits options so you can make the best decisions about your coverage. Be sure and enroll during your designated time period to select the benefit choices that best suit your needs, whether you need coverage for yourself or the whole family. During your enrollment period, visit the AT&T Benefits Center at: att.com/benefitscenter to enroll in your benefits. Your annual enrollment opportunity runs from Oct. 17 at 7 a.m. to Oct. 28 at 7 p.m. Central time. 2

5 Don t forget: Your annual enrollment opportunity runs from Oct. 17 at 7 a.m. to Oct. 28 at 7 p.m. Central time. RICHARD SALAZAR AT&T Retiree SYBIL BROWN AT&T Retiree 3

6 Medical Get information about your medical coverage. 4

7 In 2017, take a contribution holiday with CarePlus CarePlus is a supplemental benefit program providing coverage for a list of specified treatments and services generally not covered under AT&T medical program options. You don t need to be enrolled in an AT&T medical program to sign up, but you must be enrolled in CarePlus to receive any CarePlus benefits. What s new? Effective Jan. 1, 2017, until further notice, CarePlus will be on a contribution holiday, meaning it is offered to you with no required monthly contribution. You will be notified in advance of the contribution holiday s end, when you will have the option to actively opt out or to remain enrolled and pay a monthly contribution. More about CarePlus CarePlus continues to provide reimbursement for certain hearing aid device costs that apply after you ve met your medical program deductible and applicable coinsurance payments. Visit the AT&T Benefits Center to review your 2017 CarePlus Summary Plan Description (SPD) to learn how this benefit is reimbursed and find the complete list of CarePlus-covered services. Most services must be preapproved by UnitedHealthcare. To learn more, call UnitedHealthcare at Monday through Friday from 7 a.m. to 7 p.m. Central time. 5

8 Understand your medical coverage options You may be eligible for Fully-Insured Managed Care options (FIMCO), Outside-Network-Area (ONA) or Traditional medical coverage. Fully-Insured Managed Care options You may be eligible for a Fully-Insured Managed Care option (FIMCO), such as an HMO, based on your home ZIP code. FIMCOs are alternatives to the company self-funded option under the plan. Availability can change each year, so if your current option is not offered in 2017, you will be automatically enrolled in the company self-funded option available to you, unless you choose another option. IMPORTANT: Check your enrollment information to see if your coverage has changed. If your dependents meet the eligibility rules for coverage under your company self-funded option, they will likely be eligible for FIMCOs. However, for some dependents (e.g., legally recognized partners (LRPs) and disabled dependents), certain FIMCOs may need more information or may not provide coverage. Call the insurance provider s service center (not the AT&T Benefits Center) to verify your dependent s eligibility. Before you enroll or re-enroll in a FIMCO for 2017, it s important to review the health plan comparison charts and 2017 contribution amounts on the AT&T Benefits Center website. This is important because benefit coverage, contribution amounts and provider networks can change each year. If you have questions, call the insurance provider s service center (not the AT&T 6

9 Benefits Center). Phone numbers are listed on your online health plan comparison charts in the Member Services field. Have your reference number handy, and be sure to tell the service representative that you are an AT&T participant. Outside-Network-Area/Traditional Indemnity options This does not apply to Fully-Insured Managed Care options. Network providers are readily available in most areas and most participants will have only network options offered. If you live in an area that does not meet the criteria for certain types of network providers, you can choose Outside-Network-Area (ONA) or Traditional Indemnity coverage during annual enrollment. Network or ONA/Traditional Indemnity coverage is based on your home ZIP code. If you enroll in ONA/Traditional Indemnity coverage, you can go to any medical provider and receive the network level of benefits. Review your enrollment information and your online health plan comparison charts to confirm your options. 7

10 Focus on your vision options. Vision 8

11 Have a look at your 2017 vision options Effective Jan. 1, 2017, you will have coverage either through the AT&T Eligible Former Employee Vision Program or the Vision Discount Program. To find your monthly contributions for the AT&T Eligible Former Employee Vision Program, visit the AT&T Benefits Center at att.com/benefitscenter. Please note that the vision discount option is not insurance and no ID card is necessary to use this offering. Refer to your AT&T Eligible Former Employee Vision Program SPD for more details about the Vision Discount Program and the Vision Program. 9

12 Resources Following are additional resources you may need. 10

13 Have dependents? Read this. Ensure you have proper coverage by enrolling each of your dependents. AT&T defines them as a spouse/ LRP or children, up to age 26 (or who are disabled). The Patient Protection and Affordable Care Act (ACA) requires employers to report those enrolled in minimum essential coverage. You must promptly provide the name and number on the Social Security card for all dependents. Missing information can delay claims processing for your dependent(s) or delay providing required proof to the IRS that your dependents meet ACA requirements and are not subject to a penalty. You will receive a new tax form in January 2017 showing coverage for you and your dependents. You will need this information for income tax-filing purposes. You can enroll eligible dependents for medical coverage up to age 26. Check the enrollment status of your current dependents. You do not need to re-enroll them unless they had become ineligible due to a prior age restriction. Coverage will end for any eligible enrolled dependent as of the end of the month in which they reach age 26. To add new dependents to coverage, visit the AT&T Benefits Center at: att.com/benefitscenter. Note: You must remove dependents from coverage when they are no longer eligible or risk penalties for benefits fraud. AT&T may audit for benefit eligibility at any time. 11

14 New child dependents must be enrolled within 31 days from their birth or placement for coverage to begin on that date. You can enroll them without a Social Security number, but you must share your child s Social Security number with the AT&T Benefits Center when you receive it. Coverage can t begin unless you show proof that your child is eligible by the given deadline. Refer to your program s Summary Plan Description (SPD) or contact the AT&T Benefits Center for more information if you miss enrolling your child by the due date. SUSAN & HUSBAND ED WILSON AT&T Retiree 12

15 Review your 2016 prescription copayment deadlines This article does not apply to those enrolled in Fully-Insured Managed Care options. For 2016 copayment amounts to apply, you must submit eligible prescription drug orders or refills according to the guidelines below. Note: You may want to allow for additional time when mailing in prescriptions because of the holidays. Your 2017 coinsurance and deductible will apply to orders eligible for refill on or after Jan. 1, 2017, no matter when you place the order. You can contact Caremark Customer Service at or online at caremark.com. Type of Order Mail order for refills or new prescriptions Responses due from your physician for any prescriptions requested through FastStart Prescriptions purchased at a Retail Pharmacy Refill orders completed via CVS/Caremark s IVR/phone system* Refill orders completed via the caremark.com website* Refill orders placed by phone through a CVS/Caremark service associate* Deadline 12/30/16 by 11 a.m. Central 12/26/16 by 11 a.m. Central 12/31/16 by 11:59 p.m. Central 12/31/16 by 11:59 p.m. Central 12/31/16 by 11:59 p.m. Central 12/31/16 by 5 p.m. Central *You will receive a confirmation from CVS/Caremark that your order is complete. 13

16 Get the scoop on medical ID cards Generally, you will receive a new medical ID card for 2017 if you: Elected a new plan option. Added dependents. Have certain changes to your medical ID information, such as a name change. If any of these apply, your new card should arrive before January If you don t yet have your card in January and need care, your provider can confirm coverage through your benefits administrator. You also may be able to print your medical ID card from your benefits administrator s website. Remain enrolled in a plan option that has recently changed names. 14

Update your beneficiary information Now is a good time to update your beneficiary designations, especially if you ve had a recent life event (e.g., marriage or divorce).

17 Update your beneficiary information Now is a good time to update your beneficiary designations, especially if you ve had a recent life event (e.g., marriage or divorce). Depending on your benefit program, if you divorce, your former spouse may automatically be removed as your beneficiary. If this happens, but you want a former spouse to continue as your beneficiary, you must complete a new designation after the divorce to name your former spouse as the beneficiary. Not all benefit programs allow a beneficiary designation. Plan rules may specify how benefits are paid after your death. Read your applicable benefit program s SPD to determine how each of your AT&T benefits will be paid. Fidelity s online beneficiary tool makes it easy to designate beneficiaries for your savings plan and life JEAN WILLIAMS AT&T Retiree 15

18 insurance. Find this tool and more on netbenefits.com/att. Click Profile in the top right corner of the homepage, and then click Beneficiaries to get started. Sign up for Medicare to avoid coverage gaps When you first become eligible for Medicare, it is up to you and your Medicare-eligible dependents to enroll in Medicare parts A and B and stay enrolled during retirement. This generally occurs at age 65. You must take this step to avoid a reduction or gaps in your health care coverage. Once you or your dependent is Medicare-eligible, Medicare will pay your eligible claims first ahead of your AT&T medical program coverage and your AT&T program will reduce your benefit by whatever amount Medicare would have paid whether or not you have actually enrolled in Medicare. This means that once you are Medicare-eligible, if you drop or do not elect Medicare Part B, you will have to pay whatever amounts that Medicare Part B would have paid. This will make your out-of-pocket expenses significantly higher. If Medicare will be the primary coverage for at least one but not all of your family members, you must make two separate enrollment actions: one for the person with Medicare as the primary coverage and one for the person not Medicare-eligible. Check with the AT&T Benefits Center to find out how Medicare may affect your program options. Refer to your SPD for more about how AT&T programs work with Medicare. 16

19 Medicare Part B Reimbursement Enrolled in the Company-sponsored plan? You may be eligible for Medicare Part B reimbursement. If you are eligible, it is up to you to enroll. Contact the AT&T Benefits Center to learn more, including how to enroll and set up direct deposit. For complete benefit eligibility rules, refer to your SPDs and Summaries of Material Modifications (SMMs). Women s Health and Cancer Rights Act of 1998 Annual Notice As required by the Women s Health and Cancer Rights Act of 1998, your AT&T company medical program provides benefits for mastectomy-related services, such as: Reconstruction and surgery to achieve symmetry between breasts; Prosthesis; Complications resulting from a mastectomy (including lymphedema); in a manner determined by the patient and physician. Coverage may be subject to applicable annual deductibles, copayments and coinsurance. 17

20 Enroll Follow these easy steps and enroll. 18

21 Get ready and enroll Take a fresh look. Find the information you need to know and then go enroll. Step 1 Review your current benefit options. Coverage options and related costs may have changed for 2017, so review all benefit costs not just monthly contributions. Step 2 Before you receive care, verify that your medical, dental and/or vision providers are still in the network, if you are enrolled in network coverage. You can confirm this directly with your provider and the benefits administrator. Step 3 Review your health plan comparison charts on the AT&T Benefits Center website for details about your medical, dental and vision benefits. Step 4 Read your Summary Plan Descriptions (SPDs), Summaries of Material Modifications (SMMs) and Summary of Benefits and Coverage (SBC). You can find them by visiting att.com/benefitscenter. Then select the SPD tile. Step 5 If you have a change-in-status event after Sept. 1, 2016 (such as a marriage), you will make two separate elections: one for the rest of 2016 and then one for For a full list of change-in-status events, refer to your SPD. Completed these steps? You re ready to enroll. Click on the annual enrollment message on the Benefits Center homepage. Don t have internet access? Call the AT&T Benefits Center at

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24 AT&T Inc. and Participating Companies Human Resources-Benefits P.O. Box St. Louis, MO Forwarding Service Requested NIN:

Annual Enrollment. HERBERT BARREE AT&T Retiree

Annual Enrollment. HERBERT BARREE AT&T Retiree Annual Enrollment 2017 HERBERT BARREE AT&T Retiree NIN 78-38242 AT&T would like to extend a warm thank you to all the active and former employees who participated in the Annual Enrollment/Benefits photo