AT&T Ameritech /SBC Retirees Proudly working on behalf of retirees of the Bell System and successor companies of the New AT&T, Located worldwide First Quarter Newsletter March, 2015 AASBCR® Board of Directors Carole Lovell President – Director of Membership & Benefits Chet Przybyslawski Vice President - CFO Richard Runge Secretary Larry Smith Vice President—Legislation & Regulation Ron Widlewski Vice President—Communications Ben A. Goodin Attorney – Agent www.AASBCR.org This Newsletter includes Blue Bulletins, a News Register and the letter from the Board issued during the first quarter, January through March, 2015 What’s new in this issue? From the Desk of Carole Lovell - President Carole encourages members to read®bulletins carefully and talk to other retirees about joining AASBCR . From the Desk of Larry Smith – VP Legislation Larry addresses the latest push in Washington toward de-risking or risk shifting of pension responsibilities. NRLN Action Alert Pass the Medicare Access to Rehabilitation Services Act of 2015 Previously Published The following News Registers, Blue Bulletins and Letter from the Board have previously been sent electronically to AASBCR members with email. They are included here for those members without email capability. Blue Bulletin, Vol 10, No 001, January 2015 AT&T Wireless Discount- A Cautionary Tale Blue Bulletin, Vol 10, No 002, January 2015 AT&T Eligible Medicare Retirees Moved to Aon Retiree Health Exchange Blue Bulletin, Vol 10, No 003, March 2015 CarePlus Hearing Aid Benefit News Register, No 001, March 2015 Alert: Potential Identity Theft – Anthem Data Breach Letter from the Board, No 001, March, 2015 A Letter from the Board – Annual Meeting All published documents are also available to Members on the website at http://aasbcr.org AASBCR® State Representatives Florida, Louisiana Illinois Illinois Indiana Michigan Remaining States Pat Reichard Ohio Lee Grimes Donna Cummings Ralph Kolderup Loretta McDowell Ron Rhodes Pamela Zitron Ohio Jim Martin Ohio Texas, Kansas, Missouri Wisconsin Wisconsin Elaine Wolan Rene Miller Bob Ledvina Carol Linder If you or another member experience any problems receiving or accessing Bulletins or Newsletters by email, please notify AASBCR® by calling 312 962- 2770 From the Desk of Carole Lovell, President March 2015 My fellow retirees, It has been a big change but many AT&T Medicare eligible retirees along with their dependents have made the move to the Aon Retiree Health Exchange. Some retirees had to do a lot of investigation in order to make the right choice. But, if we have chosen well, I predict that retirees will discover better coverage than they had with the AT&T Medical Plans. The AASBCR® Benefit Directors have worked closely with AT&T HR to clarify the Hearing Aid coverage process through Care Plus. AASBCR® has just released a Blue Bulletin which informs our members of the process. Since many of us need hearing aids in our later years and many AT&T retirees have purchased Care Plus, this is a benefit that a great number of retirees should be able to use. Hopefully the bulletin clarifies the process. Please review it. Speaking of bulletins, the AASBCR® volunteers work very hard to get retiree members the latest information regarding benefits, discounts and the workings in Washington DC. Please read all of the documents and encourage other retirees to join AASBCR®. We all know there is much more to AASBCR® than bulletins. AASBCR® continues to interface with AT&T HR and with Aon Hewitt to be sure that all benefit issues and concerns are handled fairly. AASBCR® wants you to share your knowledge and experiences with AASBCR® with other retirees. This type of member involvement will make your retiree group, AASBCR® stronger. Please consider telling your friends and previous co-workers about our organization. These non-members may be working through benefit issues or the confusion about the Aon Retiree Health Exchange alone and with no ability to escalate issues to AT&T HR. They also may be unaware of legislation being proposed or recommended in Washington that can affect retirees. They should be able to provide direct input to their Senators and Representatives to suggest effective legislation. That’s what AASBCR® does for its members. Encourage your friends to join AASBCR®. Tell them how AASBCR® interfaces with AT&T HR and Aon Hewitt regarding the Aon Retiree Health Exchange. Tell them about the good work being done with and for retirees in Washington DC through our partnership with the NRLN. You are the best person to accomplish that. Give them a copy of the AASBCR® brochure. It explains what AASBCR® is all about. Members can find the brochure by logging into the AASBCR® website at http://aasbcr.org/. On the left side, click on PRINTABLE DOCUMENTS, and then click on AASBCR® Members Brochure. If you need more copies of the brochure, just send an email to [email protected] or call the virtual office number at (312) 962-2770. Our partners, the National Retiree Legislative Network (NRLN) have recently reported some good news for retirees regarding the practice at some hospitals of showing patients as “under observation” and Medicare’s treatment of that designation. We all need to be aware of what the NRLN is doing on behalf of retirees. Larry Smith, AASBCR® VP Legislation and Regulation, will address another important subject, de-risking, in this newsletter. I hope that all AASBCR® retiree members understand the mission of the NRLN and the support that it provides to all retirees. This has been a long hard winter, so I wish you a beautiful Spring. Stay healthy, safe, and happy!! Carole Lovell From the Desk of Larry Smith, VP – Legislation & Regulation March, 2015 Watch out whenever they invent new words. Unfortunately it has become increasingly apparent in the world we live that we simply can't believe everything we read, see or hear in the news, anybody's news. Everybody has an agenda and of course there is more than one way to present that agenda. The same is true for politics and legislation. As retirees we really need to watch out whenever they invent new words. Early last year I started seeing a new word, de-risking. No alarm bells went off. We have all worked for the phone company and are reasonably well read. Risk is not usually a good thing so de-risking, must be a good thing. Right? Maybe not. The Omnibus Spending Bill passed by Congress and signed by the President in Dec. 2014 has a provision that sets a precedent, providing plan sponsors a new way to de-risk or remove pension obligations they have promised to workers and retirees. Companies across multiple industries including three large blue chip companies have moved to de-risk their pension promises by transferring billions of dollars in assets either directly to retirees (as lump sum payments) or to third party insurance companies (as group annuity buyouts). Why is that important? Retirees already receiving fixed monthly benefits have always believed that they had the security of ongoing protection against default by the federal Pension Benefit Guaranty Corporation (PBGC) and other fiduciary protections under the Employee Retirement Security Act (ERISA). That may no longer be true if the newest and most abusive de-risking strategies are not tempered by fiduciary responsibilities. Simply put, your former company may choose to transfer plan assets of current and/or future retirees to an insurance company through an involuntary annuity buy out. As a retiree this means that your future pension distributions are not guaranteed by your company nor by the PBGC. It also means that those distributions are no longer under current or future ERISA protections. De-risking in this scenario should more appropriately be called Risk Shifting. The company is no longer responsible for future financial pension liabilities. The insurance company gains a significant increase in assets and retirees’ future pension payments are no longer guaranteed by the Federal PBGC nor ERISA laws. AASBCR®, along with the NLRN, is directly involved in discussions with the United States Treasury as well as members of Congress and their staffs to modify and/or initiate legislation that insures that retirees are not on the receiving end of risk shifting. This and dozens of other current issues are some of the many things we are able to address because of your annual dues. If you would like to read more on this subject there is comprehensive white paper on this issue at the following link: http://www.nrln.org/flyin%20whtpprs/De-risking%20White%20Paper.p Office / Fax Number (312) 962-2770 P.O. Box 7477, Buffalo Grove, IL 60089-7477 http://aasbcr.org/ NRLN Action Alert Pass Medicare Access to Rehabilitation Services Act of 2015 Prior to a March 31 deadline, Congress needs to pass the “Medicare Access to Rehabilitation Services Act of 2015” (H.R. 775 and S. 539) which would repeal the cap on Medicare outpatient rehabilitation therapy services and speech-language pathology services. If the bills are not passed, the cap will revert to a fixed maximum of $1,940 unless Congress again passes an appeals process for an additional $1,760 in therapy spending under Medicare that is contingent on Medicare approval/authorization. Thus, the total absolute cap for therapy would be $3,700. Regardless of whether the amount provided by Medicare would be $1,940 or $3,700, many Medicare beneficiaries already experience much higher costs for outpatient physical therapy, occupational therapy, and speechlanguage pathology services in order to recover from debilitating illnesses or injuries. This is why the NRLN believes it makes sense to eliminate the cap to protect Medicare beneficiaries from arbitrary limits. I urge you to send the NRLN’s sample letters to urge your Representative and Senators to pass the “Medicare Access to Rehabilitation Services Act of 2015.” Edit into the letter your own personal comments. Representative Charles W. Boustany, Jr., M.D. (LA-03) introduced H.R. 775 and Maine Senator Susan Collins and Maryland Senator Ben Cardin introduced S. 539. In addition to sending the sample letter, send the request to editors for editorial. If you use Social Media send a Tweet and post a comment on your and your lawmakers’ webpages. Also, follow up these actions with a phone call to their Washington, DC or state/district office. Phone numbers are available through the NRLN’s website directory at http://www.congressweb.com/nrln/legislators . Bill Kadereit, President National Retiree Legislative Network Here are the steps to follow☺ Click here to access the NRLN’s sample letters. The NRLN Action Network system will identify for you which letter is to be sent to your U.S. Representative and U.S. Senators. If you have a problem with this link, go to www.nrln.org and click on the “Take Action Now” near the top of the NRLN website home page. When the Action Alert appears, click on the “Write your Legislators” link. 1) When you have accessed the NRLN sample letters, to the left of the letters, are windows to type in your contact information, required by members of Congress so they know they are receiving an email from a constituent. If you have sent previous NRLN emails to your members of Congress your contact information may be automatically displayed. -2) Personalize the letters by editing in your own comments. -3) Click on the "Preview" button and the letters addressed to your Representative and two Senators will appear. Check to make sure the letters to your members of Congress appear correct and then click "Send". AT&T Ameritech /SBC Retirees - We are AASBCR® Blue Bulletin Vol. 10 No. 001 January, 2015 Rem inder to AASBCR ® retiree m em bers - Bulletins and the website are paid for by AASBCR ® m em bers. Please do not share with non-m em bers. Rem em ber, there is m ore to AASBCR ® than inform ation. W e work with AT&T HR and with the NRLN and Congress in support of retirees. Our dues pay for all of this. Encourage retiree friends to join and support AASBCR ® in our fight. AT&T Wireless Discount - A Cautionary Tale Jim, a retiree member wrote to AASBCR® " FYI, I have a retiree AT&T wireless 30% discount issue that cost me an extra $135.00 and my refund was denied." An AASBCR® Benefit Director contacted Jim and requested the details. Jim provided more details and stated: "Thanks for your interest but there’s no need to escalate. The 30% discount problem has been escalated and it was denied so it's over. This is just information about how retirees sometimes feel that AT&T doesn't really care much about us." The Benefit Director advised Jim that even though the first request for retroactive 30% discount was denied, that answer may not be correct. The Benefit Director escalated the issue to AT&T HR and the HR staff replied very quickly: "We have determined that Jim had received misinformation from the representatives. We have confirmed that Jim did not receive the Retiree Mobility Offer (RMO) discount on one of his bills (the first bill) and as a result the bill has been adjusted and the credit is now on his account. Please note that someone will be contacting Jim today to update him." The AASBCR® Benefit Director informed Jim of AT&T’s response and that he would be receiving a credit. Never accept a ruling or decision regarding your benefits that you think sounds unfair. At the least, you are owed an explanation of why the decision was made as it was. You may find that the initial decision was incorrect and can be amended in your favor. AASBCR® is always working for its retiree members. Proudly working on behalf of retirees of the Bell System and successor companies of the New AT&T, located worldwide. PO Box 7477 Buffalo Grove IL 60089-‐7477 Phone/FAX (312) 962-‐2770 http://aasbcr.org/ This communication is Private and Confidential. It is intended only for viewing by AASBCR ® Members. Copying or forwarding of this communication is not authorized by AASBCR . ® AT&T Ameritech /SBC Retirees - We areAASBCR® Blue Bulletin Vol. 10 No. 002 February, 2015 ® ® Reminder to AASBCR retiree members - Bulletins and the website are paid for® by AASBCR members. Please do not share with non-members. Remember, there is more to AASBCR than information. We work with AT&T HR and with the NRLN and Congress in support of retirees. Our dues pay for all of this. ® Encourage retiree friends to join and support AASBCR in our fight. AT&T Eligible Medicare Retirees Moved to Aon Retiree Health Exchange The purpose of this bulletin is to advise AASBCR® members who have been moved to the Aon Retiree Health Exchange to check the Aon website at https://www.aonhewittnavigators.com/att. Be sure that whatever medical/prescription insurance you signed up for with Aon Hewitt is shown. Verify all of your information including any bank account information. Check, if you have a dependent, that the HRA amount is accurate and includes your dependent. Make sure the start and end dates for coverage are correct. Here are some examples of issues AASBCR® members have encountered: An AASBCR® member, Diana, had signed up for prescription drug insurance, a Medicare D plan, through Aon Hewitt. She received her ID card and the first month premium was debited to her checking account. But when Diana checked the Aon website at https://www.aonhewittnavigators.com/att she found a big red box stating that her prescription coverage had been denied and that she should contact her Aon Benefit Advisor. Diana did everything right and still this happened. There was no letter from the insurance company, no phone call from Aon Hewitt. With assistance from AASBCR® the issue was resolved. Her Medicare number had been entered incorrectly which caused Medicare to flag the account to Aon Hewitt and the prescription insurance company. It was corrected and she does have coverage. In December, Betty's husband made a last visit to his specialist since that doctor is not in his new plan, which would begin in January. The doctor's claim was denied because his insurance showed the new coverage began December 1, 2014 not January 1, 2015. He was also denied prescription coverage at CVS because his CVS Caremark coverage was shown as ending December 1, 2014 not January 1, 2015. With the help of AASBCR® the start and end dates for coverage were corrected. That allowed the doctor to resubmit his claim and CVS to process and pay for the prescription. When Rick checked the Aon Hewitt website to verify that his wife was covered, he did not see his wife's name anywhere on that website. He asked for assistance from an AASBCR® Benefit Director. AASBCR® learned that the AT&T HRA accounts are “joint” or “family” accounts and the HRA account is set up in the retiree's name. The system does not hold individual dependent names and information. The only way to verify that a dependent is included is to look at the total amount of the HRA. In the case of a spouse and a dependent the HRA should be $4,200.00 instead of $2,700.00 for an individual. If both husband and his wife retired from AT&T and were moved to the Aon Retiree Health Exchange, each person would have an individual account and be able to see his or her own balance. Carl signed up through Aon Hewitt for a Medicare medical insurance policy for himself and his wife. He also set up a direct debit from his checking account for both policies through Aon Hewitt. When he saw only one debit taken at the end of December, he knew there was a problem. Upon checking, he found the wrong bank account number was set up at both the insurance company as well as on his Aon Hewitt account. Carl called the insurance company himself and corrected the error. He also corrected the checking account number on his Aon profile. These are examples of problems encountered by some AASBCR® members. Remember, check the Aon website https://www.aonhewittnavigators.com/att to verify the accuracy of the information. If you need assistance in correcting something or don’t understand or agree with the response you receive from Aon, contact AASBCR® for help. AASBCR® is always working for its retiree members. Blue Bulletin Vol. 10 No. 003 March, 2015 CarePlus Hearing Aid Benefit CarePlus has a benefit for hearing aids if you qualify. AASBCR® Benefit Directors met with AT&T HR to clarify the CarePlus hearing aid benefit. It allows up to $1,000.00 every 36 months and is offered to retirees who have purchased CarePlus at $1.00 per month per person. There are many variables depending on whether the retiree has an AT&T group medical plan, an individual medical plan or has been moved to the Aon Retiree Health Exchange. Below are some highlights to look for in filing a CarePlus hearing aid claim. All retirees with CarePlus intent on purchasing hearing aids: - Must fulfill any deductibles required by their insurance plan whether it is an AT&T plan or an individual plan. - Must use a network provider for hearing aids as defined by the retiree's insurance plan. - Must meet the non-network deductible if the retiree uses a non network provider. For most plans the non-network deductible is higher than the in-network deductible. The retiree must meet the non-network deductible in full before the base medical plan would pay out a hearing aid benefit. - Must exhaust any available benefit under their medical insurance whether it is an AT&T insurance plan or one purchased individually before the CarePlus hearing aid benefit can be requested. - Must have the hearing aids prescribed by a licensed audiologist/provider. - Should contact their medical carrier (whether coverage is through an AT&T plan or an individual plan) to confirm coverage for hearing aids under their medical plans. - Should review plan provisions under CarePlus through the CarePlus SPD, dated September 2013, or contact the CarePlus team at 877261-3340 to answer any questions about hearing aid coverage. Retirees moved to the Aon Retiree Health Exchange will find: - That original Medicare and many Medigap plans don’t offer coverage for hearing aids and some of the hearing tests and exams necessary with hearing aids. - Some Medicare Advantage plans do offer coverage. - They need to review their summary plan material or contact the carrier to verify the coverage available under their plan. If there are no hearing aid benefits under the retiree's medical plan: - The need for a hearing aid must be determined by an Audiologist/provider to be medically necessary. - The audiologist/provider must submit a claim to the medical insurance carrier for the hearing aid. - An EOB is required to be submitted with the CarePlus claim even though no coverage was provided under the medical plan and the claim was denied. If there are hearing aid benefits under the retiree's medical plan: - The retiree and/or audiologist should file a medical claim to the medical insurance carrier for the hearing aid. - The retiree must pay the annual deductible (or remaining amount from prior claims) and the applicable coinsurance amount before the CarePlus program pays anything. After the retiree meets the deductible and pays the coinsurance amount to the audiologist/provider as well as the medical insurance payment: - The retiree must file a paper CarePlus claim for reimbursement of the amount paid (maximum CarePlus payment $1,000). The retiree must provide both the claim from the provider/audiologist and the Explanation of Benefits (EOB) from the medical insurance carrier which describes what the medical insurance did or did not pay. - The retiree pays any remaining balance to the provider/audiologist in order to take possession of the hearing aids. Some bargained for retirees may not be eligible for expanded benefits including the hearing aid benefit under the CarePlus Program. For questions, check the CarePlus SPD or call the CarePlus team at 1-877-261-3340 for eligibility rules. To highlight the most important points, the retiree should check with their own medical insurance carrier and the CarePlus team at 1-877-261-3340 before purchasing the hearing aids. Then, the retiree must follow the steps listed by their insurance carrier and CarePlus in order to apply for the benefit. Proudly working on behalf of retirees of the Bell System and successor companies of the New AT&T, located worldwide Footnote to Hearing Aid Benefits According to the Hearing Loss Association of America more than thirty six million Americans have hearing loss and about seven million cannot afford hearing aids. A number of organizations are working to address this issue by providing free hearing screening tests and high quality, low cost hearing aids to people who otherwise could not afford them. For more information check the website: www.hearingloss.org/content/financial-assistance-programsfoundations The News Register March, 2015 No 001 ® Reminder to AASBCR retiree members - Bulletins and the website are paid for by ® AASBCR members. Please do not share with non-members. Remember, there is more to ® AASBCR than information. We work with AT&T HR and with the NRLN and Congress in support of retirees. Our dues pay for all of this. Encourage retiree friends to join and ® support AASBCR in our fight. “Intra-organization Communication is the Life-Blood of our organization.” Alert: Potential Identity Theft – Anthem Data Breach On Feb 4, 2015, Anthem, the largest of the BlueCross and Blue Shield plans, disclosed that hackers had gained unauthorized access to their databases containing personal customer information. Anthem believes that the suspicious activity may have occurred beginning in early December 2014. The information accessed may have included names, dates of birth, Social Security numbers, health care IDs, home addresses, email addresses, employment information and income data. Although many AT&T retirees are now members of Anthem Plans, or have been in the past, AT&T did not see the need to notify those retirees. AASBCR® felt it was important for retirees to be aware of the potential for identity theft because of this data breach. As soon as the cyber attack was discovered, Anthem notified the FBI and began working with a leading cyber security firm to close security vulnerability and strengthen the security of their systems. The FBI continues to investigate the source of the breach and Anthem is cooperating fully. Anthem has arranged to provide 24 months of credit services to all those affected by the breach. The identity protection services are available now free of charge to potentially impacted current and former members of affected Blue Cross/Blue Shield plans. Anthem is now in the process of individually notifying potentially impacted members by U.S. mail with specific information on how to enroll in free credit monitoring and identity protection services. Anthem has also established a dedicated website (AnthemFacts.com) where members can access additional information. Anthem has also established a dedicated toll-free number to call with questions related to this incident. That number is 877-263-7995. Those impacted should be aware of scam email campaigns targeting current and former Anthem members. These scams, designed to capture personal information (known as "phishing"), are designed to appear as if they are from Anthem and the emails include a "click here" link for credit monitoring. These emails are NOT from Anthem. - DO NOT reply to the email or reach out to the senders in any way. - DO NOT supply any information on the website that may open, if you have clicked on a link in email. - DO NOT open any attachments that arrive with email. Anthem is not calling members regarding the cyber attack and is not asking for credit card information or Social Security numbers over the phone. Current or former members of one of Anthem's affiliated health plans may be impacted. In addition, some members of other independent BlueCross and BlueShield plans who received healthcare services in any of the areas that Anthem serves over the last 10 years may be impacted. Potentially Impacted Anthem-affiliated Health Plans Anthem BlueCross, Anthem BlueCross and BlueShield, BlueCross and BlueShield of Georgia, Empire BlueCross BlueShield, Amerigroup, Caremore, Unicare, HealthKeepers and Golden West. The potentially impacted independent BlueCross and BlueShield companies include some members of Arkansas BlueCross BlueShield, BlueCross BlueShield of Alabama, BlueCross BlueShield of Arizona, BlueCross BlueShield of Hawaii, BlueCross BlueShield of Kansas, BlueCross BlueShield of Kansas City, BlueCross BlueShield of Louisiana, BlueCross BlueShield of Massachusetts, BlueCross BlueShield of Michigan, BlueCross BlueShield of Minnesota, BlueCross BlueShield of Mississippi, BlueCross BlueShield of Nebraska, BlueCross BlueShield of North Carolina, BlueCross BlueShield of North Dakota, BlueCross BlueShield of Rhode Island, BlueCross BlueShield of South Carolina, BlueCross BlueShield of Tennessee, BlueCross BlueShield of Vermont, BlueCross BlueShield of Wyoming. BlueCross of Idaho, BlueShield of California, Capital BlueCross, CareFirst BlueCross BlueShield, BlueCross BlueShield of Florida, GeoBlue, HealthNow New York, Highmark BlueCross BlueShield, Horizon BlueCross BlueShield, Hospital Service Association of Northeastern PA, Independence BlueCross, La Cruz Azul, Lifetime Healthcare, Inc., Premera BlueCross BlueShield, Wellmark BCBS, BlueCross BlueShield of Illinois, BlueCross BlueShield of Texas, BlueCross BlueShield of Oklahoma, BlueCross BlueShield of New Mexico, BlueCross BlueShield of Montana, Regence BlueCross BlueShield (in Oregon & Utah), and Regence BlueShield (in Idaho and portions of Washington state.) A Letter from the Board AT&T Ameritech/SBC Retirees - We are AASBCR® ® Reminder® to AASBCR retiree members - Bulletins and the website are paid for by AASBCR members. Please do not share with non-members. Remember, there is more to ® AASBCR than information. We work with AT&T HR and with the NRLN and Congress in support of retirees. Our dues pay for all of this. Encourage retiree friends to join and ® support AASBCR . March 2015, No 001 Dear AASBCR® Members: The AASBCR® Board of Directors would like to determine if our members would be interested in attending a face to face or telephone conference meeting with the AASBCR ® Board of Directors. The purpose of the meeting is twofold: 1) to review what AASBCR® has accomplished and what is being planned for the future, and 2) to provide a forum for members to ask questions, make comments and offer suggestions. In the past AASBCR® Annual Meetings have usually been held in June. Previous face–to-face meetings have been held in the Cleveland and Chicago areas and members were also able to dial in from their homes or participate as a group from one member’s home. If you are interested in attending such a meeting either in person or by telephone, please send an email to [email protected] stating that you would like an AASBCR® Annual Meeting. You can also leave a voice mail at (312) 962-2770. If enough retiree members are interested in participating, AASBCR® will schedule an annual meeting in June, with the option for face-to-face and/or a conference style call arrangement. P.O. Box 7477 Buffalo Grove, IL 60089-7477
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