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Welcome to Enrollment for Your IBM Benefits
When Youre Ready to Enroll........................................................................................................4 Have You Just Been Hired?..........................................................................................................5
Are You Joining IBM as the Result of an Acquisition or Strategic Outsourcing Arrangement?
If so, you are receiving this information in advance of your date of hire so that you can familiarize yourself with IBMs broad array of health and related benefit programs. Your IBM Transition Manager will communicate the dates of your enrollment period as well as the availability of NetBenefits. In the meantime, if you have questions or need more information, contact our dedicated transition support specialists at the IBM Employee Services Center at 800-426-2008. You may also contact your IBM Transition Manager for assistance. Please note: Depending on the terms and conditions of your acquisition or outsourcing agreement, certain benefit provisions may differ from those described in this guide.
Deaf and Hard of Hearing Access: 800-426-6537, available on business days (excluding holidays recognized by the New York Stock Exchange) between 8:30 a.m. and 6 p.m., Eastern time. Overseas Access: Dial your countrys toll-free AT&T Direct access number, then enter 800-796-9876. In the U.S., call 800-331-1140 to obtain AT&T Direct access numbers. From anywhere in the world, access numbers are available online at www.att.com/traveler or from your local operator.
If you make changes to your benefits, you will receive an e-mail confirming the date and time you successfully completed your enrollment, along with a confirmation number and a link to NetBenefits. If you do not have an e-mail address on record, you will receive a confirmation statement in the mail after you complete your enrollment. If you do not make changes, your Personal Fact Sheet will serve as the confirmation of your benefits. You will not receive a separate confirmation statement in the mail.
Out-of-Area Options
If you live outside the network coverage area, youll be able to enroll in an Out-of-Area (OOA) option for the IBM PPO, IBM PPO Plus and the IBM High Deductible PPO with HSA. Your Personal Fact Sheet will indicate whether you are eligible for Out-of-Area options.
$250 if you participate in the Health Savings Account between Jan. 1, 2011 and June 30, 2011, are enrolled, have opened a Health Savings Account with the designated trustee and are on IBMs active payroll on June 30, 2011 $250 if you participate between July 1, 2011 and Dec. 31, 2011, are enrolled, have opened a Health Savings Account with the designated trustee and are on IBMs active payroll on Dec. 31, 2011
What to do: 1. Select the IBM High Deductible PPO with Health Savings Account as your medical option. Keep in mind that federal guidelines do not permit you to contribute to a Health Savings Account if your spouse covers you or any eligible dependents under a different health plan or if you or your spouse participates in a Health Care Spending Account. 2. Open your Health Savings Account with the trustee who administers the Health Savings Account for your health plan. To receive the first of IBMs semi-annual contributions, youll need to open your Health Savings Account no later than June 30, 2011. (Note: IBM will not make a retroactive contribution for participants who open their Health Savings Account after this date.) Contact your plans trustee directly if you have questions. You may be offered investment options for your Health Savings Account funds. Direct all questions about interest and/or investment gains and losses to the bank or other sponsoring institution. Keep in mind that all investments have some degree of risk and participants are solely responsible for any investment elections they make. IBM assumes no responsibility or liability for participants investment elections. Your Health Savings Account is a separate account and is not an IBM-sponsored benefit plan. You are solely responsible for understanding and following any rules governing Health Savings Accounts and how contributions may be used. If you have questions about Health Savings Accounts, contact a tax or financial consultant or review the 2011 Health Savings Account Participant Information for Active Employees document or About Your Benefits: Health Care, available in the Reference Library on NetBenefits and the Legal Notices page of w3.
Whats Covered?
All of your non-HMO IBM medical options provide coverage for eligible medical services, including 100% in-network coverage for routine preventive care and primary care prescription drugs mental health/substance abuse care condition management services, provided by Alere, OptumHealth or your health plan For coverage information, select the Details link next to each medical option on your online Benefit Elections page, then select the Cost and Coverage tab. You may also refer to the Health Benefit Comparison Charts.
A complete list of routine preventive exams and tests eligible for 100% coverage can be found on w3 and in About Your Benefits: Health Care, the Summary Plan Description, available in the Reference Library on NetBenefits.
HMO
GenericsAdvantage
If a generic equivalent (identical active ingredient) is available and you choose a brand name drug instead for a new prescription, you will pay the full* generic coinsurance plus the difference in cost between the generic and brand name drug. (*Note: The per prescription maximum will not apply as it usually would for Medco participating pharmacies and mail order prescriptions.) However, if your physician validates it is clinically indicated for you to use the brand name drug, you will only pay the usual brand name coinsurance (and not the difference in cost). Under GenericsAdvantage, in those few cases where a particular brand name drug is comparably priced with a generic in the same class of drugs, prior authorization will not be required for that brand drug. Prior authorization will be required for other brand name drugs in that class; otherwise, they will not be covered.
Specialty Medications
If you require a new prescription for a specialty medication, your doctor will first need to contact a Medco pharmacist for authorization to confirm that the treatment complies with standard clinical guidelines. This requirement will help ensure that you receive the proper drug, dose and treatment based on your diagnosis.
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IBM Vision Plan This option provides benefits for an annual eye exam; one pair of glasses or contact lenses and eyewear both within and outside the VSP network, along with the same discounts offered by the VSP Vision Card. VSP Vision Card This free vision discount card lets you save money on eye exams, eyewear and other vision care services from VSP network providers.
If you have questions about available discounts or benefits under the IBM Vision Plan or VSP Vision Card, or to locate a provider in the VSP network, contact VSP directly at 888-877-4426 or log on to www.vsp.com/ibm. IBM Vision Plan In-Network Out-of-Network Plan pays full eligible Up to $35 charge Plan pays full eligible Single vision: up to $25 charge; certain lens Bifocal: up to $40 options not included Trifocal: up to $55 Lenticular: up to $80 Plan pays up to $120 for Up to $35 certain frames; you may pay a portion for others Elective: up to $120 Elective: up to $105 Medically Necessary: no Medically Necessary: up charge with prior to $165 approval VSP Vision Card 20% discount on VSP providers fee 20% discount off the retail price on complete pairs of prescription glasses, including a variety of lens options 15% discount on VSP providers fee for contact lens exams (fitting and evaluation services). Discounts are not available for contact lenses. On average, 15% discount available
Frames
Contact Lenses
Eligible Providers
Filing Claims
No benefit coverage but savings may be available for LASIK or PRK surgery; contact VSP for details Contact VSP or visit www.vsp.com/ibm for a list of providers in your area Providers file claims on your behalf
Not applicable
You pay for services when received, then submit the bill to VSP for reimbursement
Contact VSP or visit www.vsp.com/ibm for a list of providers in your area No claims to file; discounts are provided at time of purchase or service
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Program Requirements
To receive the $150 New Hire Healthy Living Rebate, employees must sign up during their initial benefits enrollment by indicating Will Participate for the New Hire Healthy Living Rebate program. You then complete the online program by December 31, 2011. The online program is available on the Health Management Center, provided by WebMD for IBM, accessible through NetBenefits. You will be guided through: Completion of the online Health Risk Assessment. Creation of the online Personal Health Record. Accessing IBMs Wellness for Life Web site to learn which wellness tools may be valuable for you. If you elect to participate in this rebate program, youll receive an email after your benefits enrollment period ends with detailed information about program requirements and how to get started. If you are hired late in the year, you may log on to the Wellness for Life Web site (www.wellnessforlifecenter.com) before you receive this informational email so that you can complete all program steps by the December 31, 2011 deadline. After successfully completing the program requirements, please allow six weeks for the rebate payment to appear in your paycheck. The rebate will be treated as taxable income.
Your Personal Health Record: Helping You Make Wise Health Decisions
One of the keys to making wise health care decisions is having easy access to information. The online Personal Health Record can help by providing a single location to consolidate and organize medical information from multiple sources. You can include information about immunizations, allergies, medications, surgeries, lab results, provider information and much more. During the annual enrollment period, usually held each fall, you may be offered other Healthy Living Rebate programs for the following plan year. These programs are designed to encourage and support those who want to adopt or maintain healthy lifestyles and are available to regular active employees. Your spouse/domestic partner and other dependents are not eligible to participate.
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Health Care Spending Account: up to $5,100 (minimum election of $10 per month) Dependent Care Spending Account: up to $5,000 (minimum election of $20 per month) Note: If your spouse participates in a Dependent Care Spending Account, you may contribute a combined total of $5,000 each year.
You Can Choose a Health Care Spending Account OR a Health Savings Account But Not Both If you want to enroll in the Health Care Spending Account, youll need to choose a medical option other than the IBM High Deductible PPO with Health Savings Account. Based on IRS regulations, you may not enroll in both a Health Care Spending Account and a Health Savings Account at the same time.
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MoneySmart
A MoneySmart Coach can help you assess the impact of your IBM benefit decisions on your financial plan. Contact a MoneySmart coach for help understanding things such as the impact of purchasing disability coverage versus not having this coverage in the event you become disabled, determining if a high deductible health plan with a health savings account (HSA) is the right choice for you, how much should you put in your Health Care or Dependent Care Spending Account and many other financial planning needs. For assistance with financial planning, call: 877-543-7678 (TTY: 866-217-8694) or send an email to moneysmart@ayco.com.
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3. The individual for whom the child is a qualifying child (generally your domestic partner) has no individual tax return filing requirement or files only to claim a refund of withheld taxes. If you have questions about these tax rules, you should contact your personal tax advisor.
Eligibility Verification
Eligibility for health care benefits is determined in accordance with the eligibility requirements described above and in the Summary Plan Descriptions: About Your Benefits: Health Care (for active employees) and About Your Benefits: Post-Employment (for retirees). IBM may require documentation to support the eligibility of any dependent enrolled in an IBM benefit plan. If the plan administrator learns that you have enrolled an individual who is not an eligible dependent, that individual will be removed from coverage and you may be required to repay any benefits paid on behalf of such individual. In addition, you may be subject to disciplinary action, up to and including dismissal, and/or loss of eligibility under the plans. If you enroll an eligible dependent for tax-free coverage who is not eligible for tax-free coverage, appropriate corrective actions will be taken. Note: In certain states, some fully-insured plans (e.g., HMOs) may offer coverage directly to dependents who are not eligible for coverage under an IBM plan. Contact the plan directly if you have questions.
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Transition of Care
If your health plan administrator is changing or you are selecting a new medical option and you or one of your covered dependents is currently undergoing treatment for certain serious medical conditions or prenatal/maternity care, you may be eligible to continue receiving in-network benefits for a limited period of time, even if your doctor does not belong to your new plan network. Contact the administrator of your new plan for more information.
Credit for No Coverage Option if You Decline Medical and/or Dental Coverage
Since medical and dental coverage is optional, you can decline coverage from IBM for these benefits. If you elect No Coverage as your option for one or both of these benefits, you will receive the following credit(s) each month in your paycheck, which will be treated as taxable income: Medical No Coverage Credit: $30 per month Dental No Coverage Credit: $5 per month If you decline IBM coverage, you can enroll again during the next enrollment period, typically held each fall, or if you experience a qualified status change (such as a loss of other coverage) that would allow you to enroll during the year. Please note that the credit for No Coverage option is only available to you while you are actively employed by IBM.
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ID Cards
If you have questions about ID cards, please contact the administrator for your medical, dental or vision option. Medical: If you enroll or change your medical option, you will receive new medical ID card(s) within two to three weeks of the date you complete your enrollment. Prescription Drug: If your prescription drug benefits will be provided under the IBM Managed Pharmacy Program or a non-HMO medical option, you will receive a separate prescription drug ID card(s). Dental: If you enroll or change your dental option, you will receive new dental ID card(s) within two to three weeks of the date you complete your enrollment. Vision: If you enroll in the IBM Vision Plan or VSP Vision Card, you will receive a vision ID card two or three weeks after you enroll. Health Care Spending Account: If you will be participating in the Health Care Spending Account you will receive a Health Debit Card within two to three weeks after you enroll, along with instructions for its activation and use. Long-Term Disability and 401(k) Disability Protection: MetLife issues ID cards to those who are enrolled in IBM Long-Term Disability and/or 401(K) Disability coverage. The ID card provides a unique identifying number that can be used as an alternative to your Social Security number in the event you need to contact MetLife regarding a Long-Term Disability claim. If you have questions, contact MetLife directly at 800-638-0064.
Who to Contact
Contact information for the carriers of your benefit plans is available via the Who to Contact link on NetBenefits, located on the bottom of the page on the Health & Insurance tab.
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This enrollment guide is intended to provide an overview of certain plans and programs in which you may participate. It is not an official Summary Plan Description and does not provide full details. Complete details are found in the formal plan documents, which are the complete and exclusive statement of the companys obligations under the plan. The official plan documents shall govern in the event of a conflict between information contained in these or other documents and statements. The plan administrator retains exclusive authority and discretion to interpret the terms of the benefits plans and programs described herein. The company reserves the right, in its sole discretion, to amend, change, suspend or terminate any benefit or other plan, program practice or policy of the company at any time. The company does not have any obligation to, and nothing contained in this enrollment guide shall be construed as creating an express or implied obligation or promise on the part of the company to, maintain, continue to offer, or make available such plans, programs, practices or policies. Eligibility to participate in a plan or program or receipt of benefits does not constitute a promise or right of continued employment or render any person an employee of IBM. IBM and its affiliated companies do not endorse any HMO or other provider, or represent or warrant the quality of care they provide. The decision to choose any health plan option or use any provider is the participants responsibility. Not all of the plans and programs within this enrollment guide pertain to all of IBMs affiliated companies. For more information, contact the IBM Employee Services Center at 800-796-9876 (TRS for deaf and hard of hearing: 800-426-6537).
3.IM-H-402A.104
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