Annual Enrollment. HERBERT BARREE AT&T Retiree

Transcription

1 Annual Enrollment 2017 HERBERT BARREE AT&T Retiree

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 management employees of Legacy Mobility; Legacy AT&T who retired on or after 03/01/90; Legacy SBC West who retired on or after 01/02/91; Legacy SBC Midwest who retired on or after 03/01/91; Legacy SBC Southwest who retired on or after 09/01/92; management employees of Legacy SBC East and Legacy BellSouth and bargained employees of SGI Local 121C who retired on or after 01/01/92; bargained employees of Stevens Graphics Local 121C & 540M (Birmingham); AT&T Video Services who retired on or after 10/1/95; SBC Telecom, Inc. (Out-Region) who retired on and after 10/1/01 and before 4/8/07; Tier 1 Customer Assistants and Video Site Operations Technicians, SBC Internet Services, Inc. and SBC Global Services, Inc. (CA/NV) who retired before 7/14/13; Dobson Mobility - Alaska who retired before 2/1/15; nonmanagement nonunion employees of AIS (SBC Global Services. Inc.); Southwestern Bell Advertising Group (SWBAG); LMBerry who retired before 6/1/08; Legacy AT&T hired on or after 8/9/09 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 New dependent eligibility... 4 Medical CarePlus... 6 Medical program options contributions... 8 Prescription drug changes prescription copayment deadlines FIMCO/ONA Spousal surcharge reminder Dental Vision Resources Dependent eligibility Beneficiary information Medicare Women s Health Notice Get ready and enroll Get Started Annual Enrollment

4 Prepare for your 2017 benefits You are receiving this annual enrollment booklet because you are: An AT&T retiree who is not Medicare-eligible (Medicare-eligible individuals are generally those who are age 65 or older OR under the age of 65 and eligible for Medicare due to a disability); or An AT&T retiree who is Medicare-eligible who transitioned (or is transitioning) from AT&T group health coverage to an individual health plan through the Aon Retiree Exchange, but has a dependent who is not yet Medicare-eligible and therefore not transitioning to the Exchange. IMPORTANT: If you are part of a company couple, meaning that you are eligible for benefits both as an AT&T retiree and as a dependent, you must determine which status works best for you. If you are eligible for the Aon Retiree Health Exchange: You must enroll in medical, dental, vision or prescription drug coverage through the Exchange for your dependent (who is not yet Medicare-eligible) to continue coverage through AT&T. The medical, dental, vision or prescription drug coverage described in this guide is available to your eligible dependents who are not yet eligible for Medicare or the Exchange. The transition to the Exchange does not impact your eligibility for CarePlus and Life Insurance benefits, if applicable, through AT&T. It is important that you read those sections in this booklet. Learn more about Medicare and your benefits on page Annual Enrollment 2017

5 Don t forget: Your annual enrollment opportunity runs from Oct. 3 at 7 a.m. to Oct. 14 at 7 p.m. Central time. RICHARD SALAZAR AT&T Retiree SYBIL BROWN AT&T Retiree Annual Enrollment

6 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. 3 at 7 a.m. to Oct. 14 at 7 p.m. Central time. New dependent eligibility Foster children are now covered under the AT&T Medical, Vision, Dental, CarePlus and Life Insurance Programs. Children must be financially supported by you. Dependent Eligibility Verification will be required. Foster paperwork and proof of age/birth date as well as your financial support is required. 4 Annual Enrollment 2017

7 Get information about your medical coverage. Medical Annual Enrollment

8 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. If you are enrolled in an AT&T medical program you will automatically be enrolled in CarePlus at the coverage tier you have for medical. For example, if you have coverage just for you, you will be enrolled in CarePlus as an individual. You will have the option to actively opt out or remain in coverage and pay a monthly contribution when the holiday ends. If you are eligible for CarePlus but not enrolled in an AT&T medical program option, you may still actively enroll in CarePlus. 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. 6 Annual Enrollment 2017

9 Take a fresh look at your 2017 Medical Program Options For 2017, you will continue to have three metallic medical options to consider: Bronze, Silver and Gold. Take a fresh look at your choices to find the best one for your health care budget and needs. On the following pages are some of your expenses, including network deductibles, coinsurance rates and out-of-pocket maximums for (Refer to your summary plan description (SPD) for non-network and non-preferred drug costs.) Note: Non-network costs do not apply to your network deductible or out-ofpocket maximum. Your monthly contributions are a portion of your cost of coverage. There are additional expenses to receiving health care, including deductibles, coinsurance and copayments (including prescription drugs). These make up your collective cost of care and your program option choice will directly impact this total. For example, using in-network providers and opting for generic drugs can also reduce your total costs. Annual Enrollment

10 AT&T Medical Program Metallic Options: Retiree Bronze Silver Gold $2,500 $1,500 $1,300 Coinsurance: (paid by you) 30% Coinsurance: (paid by you) 20% Coinsurance: (paid by you) 10% Out-of-pocket maximum: $6,000 Out-of-pocket maximum: $5,000 Out-of-pocket maximum: $4,000 Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. *Deductible, coinsurance and out-of-pocket maximum amounts listed above apply to network providers only. Your monthly contribution remains the same no matter the provider used. Refer to your SPD for more information about these provisions and for non-network costs. Note that non-network costs do not apply to your network deductible or out-of-pocket maximum. 8 Annual Enrollment 2017

11 AT&T Medical Program Metallic Options: Retiree + Spouse Bronze Silver Gold $5,000 $3,000 $2,600 Coinsurance: (paid by you) 30% Coinsurance: (paid by you) 20% Coinsurance: (paid by you) 10% Out-of-pocket maximum: $12,000 Out-of-pocket maximum: $10,000 Out-of-pocket maximum: $8,000 Up to $6,000 per person Up to $5,000 per person Up to $4,000 per person Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. *Deductible, coinsurance and out-of-pocket maximum amounts listed above apply to network providers only. Your monthly contribution remains the same no matter the provider used. Refer to your SPD for more information about these provisions and for non-network costs. Note that non-network costs do not apply to your network deductible or out-of-pocket maximum. Annual Enrollment

12 AT&T Medical Program Metallic Options: Retiree + Child(ren) Bronze Silver Gold $5,000 $3,000 $2,600 Coinsurance: (paid by you) 30% Coinsurance: (paid by you) 20% Coinsurance: (paid by you) 10% Out-of-pocket maximum: $12,000 Out-of-pocket maximum: $10,000 Out-of-pocket maximum: $8,000 Up to $6,000 per person Up to $5,000 per person Up to $4,000 per person Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. *Deductible, coinsurance and out-of-pocket maximum amounts listed above apply to network providers only. Your monthly contribution remains the same no matter the provider used. Refer to your SPD for more information about these provisions and for non-network costs. Note that non-network costs do not apply to your network deductible or out-of-pocket maximum. 10 Annual Enrollment 2017

13 AT&T Medical Program Metallic Options: Retiree + Family Bronze Silver Gold $5,000 $3,000 $2,600 Coinsurance: (paid by you) 30% Coinsurance: (paid by you) 20% Coinsurance: (paid by you) 10% Out-of-pocket maximum: $12,000 Out-of-pocket maximum: $10,000 Out-of-pocket maximum: $8,000 Up to $6,000 per person Up to $5,000 per person Up to $4,000 per person Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. *Deductible, coinsurance and out-of-pocket maximum amounts listed above apply to network providers only. Your monthly contribution remains the same no matter the provider used. Refer to your SPD for more information about these provisions and for non-network costs. Note that non-network costs do not apply to your network deductible or out-of-pocket maximum. Annual Enrollment

14 Prescription drug changes Your medical option choice determines how you will pay for your prescription drugs. This is important because you must meet your applicable deductible before your prescription drug coinsurance benefit begins. This means you must pay the full discounted cost of any prescription drugs until your deductible is met. Once you meet your deductible, you will pay a percentage of your prescription cost, up to a maximum amount, determined by both your medical program option and the type of drug. This year, the copay maximum per prescription increases to $50 for retail generics and $100 for mail order generics for all metallic medical options. 12 Annual Enrollment 2017

15 Prescription Drug Costs for the AT&T Medical Program* Bronze Silver Gold Coinsurance Generic and Preferred 30% Coinsurance Generic and Preferred 20% Coinsurance Generic and Preferred 10% Coinsurance Maximum Copayment* (per prescription) Generic: Preferred: Retail: $50 $100 Mail: $100 $200 Coinsurance Maximum Copayment* (per prescription) Generic: Preferred: Retail: $50 $100 Mail: $100 $200 Coinsurance Maximum Copayment* (per prescription) Generic: Preferred: Retail: $50 $100 Mail: $100 $200 *You will pay up to the maximum cost listed above per prescription, based on your coinsurance percentage, when you use a network pharmacy. Refer to your SPD for non-network costs. Annual Enrollment

16 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. 14 Annual Enrollment 2017

17 Understand your medical coverage options You may be eligible for Fully-Insured Managed Care options (FIMCO) or Outside-Network-Area (ONA) medical coverage. Fully-Insured Managed Care options You may be eligible for a Fully-Insured Managed Care option (FIMCO), 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 Annual Enrollment

18 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 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) coverage during annual enrollment. Network or ONA coverage is based on your home ZIP code. If you enroll in ONA 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. Spousal surcharge reminder Remember, if you enroll a spouse/lrp in AT&T medical coverage, you must confirm whether or not that spouse/ LRP has access to medical coverage through their current employer. A $100 surcharge will apply toward your monthly medical coverage contribution if you enroll your spouse/lrp and you do not certify that your spouse/lrp does not have access to coverage through their current employer. Be sure to check the correct status to avoid the surcharge. 16 Annual Enrollment 2017

19 Keep the smiles coming in 2017 with enhancements to your coverage. Dental Annual Enrollment

20 More reasons to smile with your 2017 dental options In 2017, the AT&T Dental Program will see the following key changes: 1. Updates to your coinsurance and deductibles. 2. If you enroll in family coverage, your per-person deductible is capped at 3 participants, including you. 3. Your eligible dependent child(ren) will include foster children. 4. In addition to silver amalgam fillings, white fillings are now covered for all teeth. The following tables summarize various costs related to your dental options. Your benefit is based on the provider (either network or non-network) you chose at the point of service. You may also have a Dental Health Maintenance Organization (DHMO) option (depending on your ZIP code) available to you. Refer to your SPD for details on eligibility. Note: For retired bargained employees of AT&T Video Services, your dependent children are now eligible for coverage through age Annual Enrollment 2017

21 Options for the AT&T Dental Program: Retiree Bronze Silver Gold (per person) Network/ ONA $75 Non- Network $100 (per person) Network/ ONA $50 Non- Network $100 (per person) Network/ ONA $25 Non- Network $100 Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Minor and major restorative: 30% 50% Minor and major restorative: 20% 50% Minor and major restorative: 10% 50% Maximums Current year: Lifetime ortho: $1,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $2,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $3,500 $2,000 $750 $1,000 Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. Your benefit is based on the provider (either network or non-network) you chose at the point of service. You may also have a Dental Health Maintenance Organization (DHMO) option (depending on your ZIP code) available to you. Refer to your SPD for details on eligibility. Annual Enrollment

22 Options for the AT&T Dental Program: Retiree + Spouse Bronze Silver Gold (per person) Network/ ONA $75 Non- Network $100 (per person) Network/ ONA $50 Non- Network $100 (per person) Network/ ONA $25 Non- Network $100 Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Minor and major restorative: 30% 50% Minor and major restorative: 20% 50% Minor and major restorative: 10% 50% Maximums Current year: Lifetime ortho: $1,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $2,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $3,500 $2,000 $750 $1,000 Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. 20 Annual Enrollment 2017 Your benefit is based on the provider (either network or non-network) you chose at the point of service. You may also have a Dental Health Maintenance Organization (DHMO) option (depending on your ZIP code) available to you. Refer to your SPD for details on eligibility.

23 Options for the AT&T Dental Program: Retiree + Child(ren) Bronze Silver Gold (per person) Network/ ONA $75 Non- Network $100 (per person) Network/ ONA $50 Non- Network $100 (per person) Network/ ONA $25 Non- Network $100 Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Minor and major restorative: 30% 50% Minor and major restorative: 20% 50% Minor and major restorative: 10% 50% Maximums Current year: Lifetime ortho: $1,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $2,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $3,500 $2,000 $750 $1,000 Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. Your benefit is based on the provider (either network or non-network) you chose at the point of service. You may also have a Dental Health Maintenance Organization (DHMO) option (depending on your ZIP code) available to you. Refer to your SPD for details on eligibility. Annual Enrollment

24 Options for the AT&T Dental Program: Retiree + Family Bronze Silver Gold (per person) Network/ ONA $75 Non- Network $100 (per person) Network/ ONA $50 Non- Network $100 (per person) Network/ ONA $25 Non- Network $100 Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Coinsurance Preventive: (no deductible) 100%, deductible waived. Generally, twice per plan year, some limits apply to x-rays, sealants and fluoride treatments. Minor and major restorative: 30% 50% Minor and major restorative: 20% 50% Minor and major restorative: 10% 50% Maximums Current year: Lifetime ortho: $1,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $2,500 $2,000 $750 $1,000 Maximums Current year: Lifetime ortho: $3,500 $2,000 $750 $1,000 Visit the Benefits Center at: att.com/benefitscenter to view your 2017 contributions. 22 Annual Enrollment 2017 Your benefit is based on the provider (either network or non-network) you chose at the point of service. You may also have a Dental Health Maintenance Organization (DHMO) option (depending on your ZIP code) available to you. Refer to your SPD for details on eligibility.

25 Focus on your vision options. Vision

26 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. 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. To find your monthly contributions for the AT&T Eligible Former Employee Vision Program, visit the AT&T Benefits Center at att.com/benefitscenter. Note: For retired bargained employees of AT&T Video Services, your dependent children are now eligible for coverage through age Annual Enrollment 2017

27 Following are additional resources you may need. Resources Annual Enrollment

28 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. ANITA MARTINEZ AT&T Retiree 26 Annual Enrollment 2017 SYBIL BROWN AT&T Retiree

29 You can enroll eligible dependents for medical, dental and vision 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 website 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. 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. Annual Enrollment

30 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 Summary Plan Description (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, life insurance and final wages. 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 Generally, you become eligible for Medicare if you become disabled (as determined by the Social Security Administration) for a period of 24 months or turn age 65. If this is the case for you or a dependent, there are some important steps to take to ensure that you and your dependent don t have a gap in health coverage: Step 1: Enroll. It is up to you and your Medicareeligible dependent to enroll in Medicare parts A and B when first eligible. You must take this step to avoid a reduction or gaps in your health care coverage. Step 2: Watch for information from the Aon Retiree Health Exchange. AT&T has made arrangements for 28 Annual Enrollment 2017

31 our Medicare-eligible retirees and Medicare-eligible dependents of our retirees to obtain health coverage through the Aon Retiree Health Exchange. Through the Exchange, you can compare medical, prescription drug, vision and dental coverage and enroll in the plans that best fit your needs. Initially, this arrangement applied only to retirees and dependents who were Medicareeligible due to turning age 65. Effective Jan. 1, 2017, retirees and dependents who are Medicare-eligible due to disability also will be eligible for the Exchange. Once eligible for the Exchange, you (or your dependents who are eligible for the Exchange) are no longer eligible for coverage under AT&T-sponsored group medical, dental and vision programs.* It is important that you timely enroll in coverage through the Exchange and in Medicare Parts A and B to avoid any gaps in your health coverage. ( You in the following bullets means you and/or your dependents who meet the description.) If you are under the age of 65 and Medicare-eligible due to a disability, you will transition to the Exchange effective Jan. 1, You should have received a letter with information about this transition in early August. If you are becoming Medicare-eligible due to age, the Aon Retiree Health Exchange will contact you approximately 90 days before you turn 65 and schedule a phone appointment with you to explore your coverage options. If you are under age 65 and becoming Medicareeligible due to a disability, you should contact the AT&T Benefits center at as soon as possible. You should also enroll in Medicare Parts A and B as soon as you become eligible. *This change does not currently apply if you are not a U.S. resident or if you reside in Puerto Rico, the Virgin Islands or Guam. Annual Enrollment

32 You will continue to receive important materials to guide you through the enrollment process. These include an appointment letter to meet with an Exchange Benefit Advisor who can help you select the plan that s right for you based on a number of factors including quality and price. For questions about the enrollment timeframes or process, please contact the Aon Retiree Health Exchange at What about family members who are not yet eligible for Medicare? If you are Medicare-eligible but have dependents who are not, they will no longer be eligible to enroll in coverage under the AT&T group plans, unless you enroll in coverage through the Aon Retiree Health Exchange. Enrollment options through the Exchange would include a medical, prescription drug, vision or dental plan. If you do not purchase at least one of these plans through the Exchange, your dependents will not be eligible for coverage through AT&T group medical, dental and vision programs. Refer to your SPD for more about how AT&T programs work with Medicare. 30 Annual Enrollment 2017

33 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. JEAN WILLIAMS AT&T Retiree Annual Enrollment

34 Enroll Follow these easy steps and enroll. 32 Annual Enrollment 2017

35 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. *If you are Medicare-eligible due to age or disability, you will enroll in medical, dental, vision or prescription drug coverage through the Aon Retiree Health Exchange. 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 the Benefits Center at: 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 Annual Enrollment

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