PreRetirement Planning Teamsters Local 237 Retiree Division PRE

Pre-Retirement Planning Teamsters Local 237 Retiree Division PRE- RETIREMENT ONLINE SERIES FALL 2020 SESSION 2 HEALTH INSURANCE AND WELFARE FUND

Overview Health Insurance through retirement- Watch videos Medicare Part B Reimbursement- Watch Video Learning more about your welfare fund benefits

Understanding your health benefits in Retirement For health insurance you must complete a health benefits application signed by you and your employer. A copy of your health benefits application and retirement receipt or confirmation from your pension system needs to be submitted to the Office of Labor relations via email at nycretireeshbp@emblemhealth. com

Office of Labor Relations videos Links NYC Health Benefits Program- Watch Videos Non- Medicare Retirees https: //www 1. nyc. gov/site/olr/healthvideos/health-video-transitionnon-medicare. page Medicare Retirees https: //www 1. nyc. gov/site/olr/healthvideos/health-video-transitionmedicare. page

Office of Labor Relations videos continues The next video goes into benefits and Medicare Part B Reimbursement Transitioning to Retiree Health Benefits Video – Part One https: //www 1. nyc. gov/site/olr/healthvideos/health-video-transitionseminar-pt 1. page Transitioning to Retiree health Benefits Video- Part two https: //www 1. nyc. gov/site/olr/healthvideos/health-video-transitionseminar-pt 2. page

Medicare Part B Reimbursement Once you become eligible for Medicare a copy of your card needs to be submitted to Union welfare fund and to the Office of Labor Relations. Spouse/ Domestic Partner are also eligible for Medicare reimbursement. The city will reimburse you for your Medicare part B premium. For information about Medicare Part B Reimbursement- Watch Video https: //www 1. nyc. gov/site/olr/healthvideos/health-videomedicarepartbreimbursement. page Please Note: If you waive medical coverage you will not be eligible for Medicare Part B reimbursement.

Important contact information for the Office of Labor Relations Health Benefits Program Due to the closure of the office, if you mailed or faxed forms or correspondence March 11, 2020 or after, we cannot access or process that form. Please resubmit your documents as follows: 1) Inquiries and questions can be emailed to healthbenefits@olr. nyc. gov 2) Forms/documents can be sent via email to NYCRetirees. HBP@emblemhealth. com Please do NOT include your Social Security number, include your Employee ID or pension number only. 3) For questions regarding the PICA prescription drug benefit program please call 1 -800 -4672006. Visit the office of labor relation for the most updated information https: //www 1. nyc. gov/site/olr/index. page

Welfare Fund See Welfare Fund Slides for more information about your Local 237 benefits.

RETIREE BENEFITS ACTIVE VS. RETIREE WHAT WILL CHANGE?

THINGS TO DO BEFORE YOU RETIRE • APPLY FOR YOUR ANNUITY 1 -2 MONTHS BEFORE YOUR DATE OF RETIREMENT. LOCAL 237 HAS TWO DIFFERENT ANNUITIES. WHICH ONE DO YOU BELONG TO? ASK IF YOU DON’T KNOW WHICH FUND YOU BELONG TO. • THE ADDITIONAL SECURITY FUND IS THE FUND YOU BELONG TO IF YOU HAVE A CITY WIDE TITLE OR YOU ARE A TRADE 220 TITLE. ( FOR EXAMPLE; Maintenance Worker, Plasterer, Elevator Mechanic, Cement Mason, Roofer ) • For an application call the 237 annuity dept. (212) 924 -2000. • THE SUPPLEMENTAL FUND FOR HOUSING EMPLOYEES IS THE FUND YOU BELONG TO IF YOU HAVE A UNIQUE HOUSING TITLE. (Caretaker, Heating Plant Technician, Emergency Service Aid) • For an application call the Policy Research Group (212) 561 -6481. 10

THINGS TO DO BEFORE YOU RETIRE continued; • RETIREMENT PLANNING: USE YOUR ACTIVE BENEFITS FIRST BEFORE YOU RETIRE. • FILL YOU PRESCRIPTIONS • GET NEW EYEGLASSES IF YOU ARE ENTITLED (1 PAIR PER YEAR) • GO TO THE DENTIST RETIREMENT BENEFITS ARE EFFECTIVE ON YOUR 1 st DAY OF RETIREMENT. THEY ARE NOT AVAILABLE UNTIL YOU PRESENT A STAMPED RECEIPT FOR YOUR NYCERS OR BERS RETIREMENT APPLICATION OR YOU APPEAR ON A NYCERS OR BERS LIST. YOU MUST ALSO PROVIDE YOUR HEALTH BENEFIT APPLICATION TO THE RETIREES’ FUND LOCATED ON THE 3 RD FLOOR OF THE UNION. YOUR FIRST PENSION CHECK IS ALSO ACCEPTABLE PROOF OF RETIREMENT. THE KEY TO YOUR RETIREE BENEFITS IS TO FILE YOUR APPLICATION EARLY. YOU MUST ENROLL IN THE RETIREE FUND, THIS IS NOT AUTOMATIC. YOU MUST COMPLETE A RETIREES’ FUND BENEFIT APPLICATION. 11

YOUR BENEFITS AT A GLANCE NOW AND IN RETIREMENT ACTIVE MEMBER RETIREE DENTAL; ANNUAL CAP/YR. OF $2500 FOR MEMBER AND EACH ELIGIBLE FAMILY MEMBER. DENTAL; ANNUAL CAP/YR. OF $1250 FOR MEMBER AND EACH ELIGIBLE FAMILY MEMBER. EYEGLASSES AND EXAM; ONCE / YR. FOR MEMBER AND EACH FAMILY MEMBER EYEGLASSES AND EXAM; ONCE / 2 YRS. FOR MEMBER AND EACH FAMILY MEMBER HEARING AID; $1000 ONCE IN 5 YEARS EFFECTIVE JAN. 2015 LIFE INSURANCE; MEMBER $15, 000, SPOUSE $5000, CHILD $5000. DEATH BENEFIT; $2500 MEMBER ONLY. PRESCRIPTION DRUGS; NO CAP AS OF 1/1/2014 , DUE TO THE AFFORDABLE CARE ACT. PRESCRIPTION DRUGS; CAP DEPENDS ON AGE AND/OR DISABILITY AND YOUR HEALTH INSURANCE PLAN. 12

YOUR BENEFITS IN RETIREMENT (DETAILS) • PRESCRIPTION DRUG BENEFITS ARE VERY COMPLICATED LIKE EVERYTHING ELSE. • NON-MEDICARE RETIREE (PRIOR TO AGE 65) MUST CARRY 3 CARDS FOR DRUGS; • (1) HEALTH INSURANCE CARD FOR DIABETIC MEDICATIONS. AS OF 7/1/2016 BIRTH CONTROL AND OTHER PREVENTIVE PRESCRIPTIONS. • (2) PICA CARD FOR INJECTABLES AND CHEMOTHERAPY. • (3) AETNA CARD FOR ALL OTHER Rx WHICH INCLUDES PSYCHOTROPICS AND ASTHMA DRUGS FORMALLY ON THE PICA LIST. • NON-MEDICARE CAP IS $2500 PER FAMILY/YR. • COPAYS ARE: GENERIC $15 AND BRAND $25, FOR UP TO 34 DAYS AT RETAIL. • 90 DAY SUPPLY AT RETAIL IS DOUBLE $30 AND $50. • 90 DAY SUPPLY AETNA MAIL ORDER SINGLE COPAY $15 AND $25. 13

BENEFIT DETAILS CONTINUED • MEDICARE ELIGIBLE RETIREES; DISABLED AND 65 OR OLDER. • BASIC HEALTH PLANS ONLY: GHI/CBP, HIP. (NO Rx RIDER) • ANNUAL FAMILY CAP FOR THE LOCAL 237 RETIREE PART-D CREDITABLE COVERAGE PLAN IS $20, 500/YEAR FOR MEMBER AND FAMILY. ***THE CAP WAS INCREASED TO $20, 5000 AS OF 1/1/2019. *** • ONLY ONE CARD NEEDED: INCLUDED ARE DIABETIC MEDICATION AS WELL AS ALL OTHER PRESCRIPTIONS. (EXCLUDING INJECTABLES) • COPAYS: $5 GENERIC AND $15 BRAND FOR UP TO 34 DAY SUPPLY AT RETAIL. • 90 DAY SUPPLY AT RETAIL DOUBLED TO $10 GENERIC AND $30 BRAND. • 90 DAY SUPPLY AETNA MAIL ORDER DRUGS SINGLE COPAY OF $5 GENERIC AND $15 BRAND. 14

MEDICARE ADVANTAGE PLANS (Rx RIDER) • FOR MEDICARE ELIGIBLE PARTICIPANTS WHO ELECT A HEALTH PLAN SUCH AS HIP/VIP HMO. ALL PRESCRIPTIONS ARE RECEIVED WITH YOUR HEALTH CARD FROM THE HEALTH INSURER. (MEDICARE ADVANTAGE PLAN) • THE RETIREES’ FUND WILL PROVIDE PARTIAL REIMBURSEMENT FOR ANYONE WHO CHOOSES THIS OPTION, PAYMENTS ARE; • $24/MONTH FOR SINGLE COVERAGE AND $36/MONTH FOR FAMILY COVERAGE. • CHECKS ARE SENT OUT TWICE YEARLY USUALLY FEBRUARY AND AUGUST. • SINGLE $144 AND FAMILY $216 REFLECT SIX MONTHS OF PREMIUM REIMBURSEMENT. 15

DENTAL BENEFIT • $1250 YEARLY MAXIMUM ANNUAL BENEFIT/FAMILY MEMBER (CAP). • 5400 DENTIST ON THE HEALTHPLEX METRO PANEL PPO. • NO CHARGE FOR SERVICES LISTED ON THE SCHEDULE OF BENEFITS, WHEN YOU USE A PARTICIPATING DENTIST. • NO FORMS NEEDED, AN ID CARD IS PROVIDED TO ELIGIBLE PARTICIPANTS. • EFFECTIVE 7/1/2018 THE HEALTHPLEX NATIONAL NETWORK WAS IMPLEMENTED FOR FLORIDA AND PUERTO RICO MEMBERS. • The expanded National Network will be effective as of March 1, 2020. The network has been expanded to cover all 50 states and Puerto Rico. 16

OPTICAL BENEFIT • ONCE EVERY 2 YEARS A $150 BENEFIT IS AVAILABLE TO RETIRED MEMBERS AND ELIGIBLE FAMILY MEMBERS. The optical benefit was increased to $150 effective March 1, 2020. • IN NEW YORK METRO AREA WHERE A PARTICIPATING PROVIDER IS AVAILABLE YOU MAY ONLY USE THOSE NETWORK STORES. • Beginning October 15, 2017 it will no longer be necessary to obtain a voucher from the Fund office to access your Optical Benefits. The voucher will be replaced with a claim form obtained at the vendor of your choice, who participates with Comprehensive Professional Systems (CPS) in their PPO Network. Optical vendors in the network can be located Via the CPS website @ www. cpsoptical. com. • OUT OF NY METRO AREA MEMBERS HAVE 2 OPTIONS; • REIMBURSEMENT FOR SERVICES: $50 EXAM, $100 FOR MATERIALS OR $100 ALLOWANCE FOR CONTACT LENSES. • DAVIS OPTICAL STORES; (VISIONWORKS) A COPAYMENT FOR UPGRADED ITEMS AS PER THE SCHEDULE OF BENEFITS APPLIES. 17

HEARING AID AND DEATH BENEFIT • HEARING AID BENEFIT HAS TWO OPTIONS: • IN NETWORK PROVIDER REQUIRES A VOUCHER FROM THE RETIREES’ FUND OFFICE, COPAYMENTS ARE $25 FOR OUTSIDE THE EAR AND $ 100 FOR INSIDE THE EAR. • NON PARTICIPATING PROVIDER, FUND WILL REIMBURSE THE MEMBER OR FAMILY MEMBER $1000 FOR PURCHASE OR REPAIR. • BOTH OPTIONS ARE AVAILABLE ONCE IN A 5 YEAR PERIOD. • DEATH BENEFIT COVERS ONLY THE MEMBER AND IS PAID TO THE NAMED BENEFICIARY OR BENEFICIARIES, THE BENEFIT IS $2500. 18

SUPPLEMENTAL MEDICAL PLAN • THIS IS THE ONE BENEFIT ONLY OFFERED TO RETIREES AND NOT ACTIVE MEMBERS. THIS BENEFIT IS PROVIDED WHEN MEDICARE OR YOUR SECONDARY INSURER DENIES IN WHOLE OR IN PART FOR THE FOLLOWING; • WHEELCHAIR, SURGICAL STOCKINGS, ORTHOPEDIC SHOES, LEG BRACES, HOSPITAL BEDS, OXYGEN EQUIPMENT, BLOOD, PRIVATE DUTY NURSING (IN HOSPITAL ONLY) AND OTHER DURABLE MEDICAL DEVICES OR SUPPLIES. • THE ANNUAL CAP IS $2500 PER FAMILY AND THE BENEFIT IS PAID AT 80% OF THE REASONABLE AND CUSTOMARY CHARGES. FOR FURTHER INFORMATION PLEASE CALL THE FUND OFFICE (212) 924 -7220 19

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