FAQs

Your eligible dependents include:

• Your legal spouse (including same-sex spouse)
• Your children up to age 26, including:
  – Natural children
  – Stepchildren
  – Legally adopted children
  – Children placed for adoption
  – Children for whom you are the court-appointed guardian
• Your unmarried, disabled adult child

Log in at zenith-american.com, and select Health Eligibility in the left menu.

You can change your benefit elections once every 12 months. To make changes, complete and return an Enrollment Form to Zenith American Solutions or your employer’s Human Resources office. Complete all sections of the form, and enclose any required documents for your dependents. To drop a dependent from coverage, send a request to the Trustees with an explanation of why the change is justified.

You can also make enrollment changes due to certain qualifying life events, such as getting married or divorced, having a baby, or your spouse losing coverage under their own plan. You must make these changes within 60 days after the life event. See the Summary Plan Description for more information.

To enroll dependents, send copies of the following documents along with your completed Enrollment Form:

• Spouse: Certified marriage certificate
• Children or stepchildren: Certified birth certificate or court-appointed guardianship certificate; divorce decree for stepchildren, if applicable

If your dependents lose eligibility for coverage due to divorce, legal separation or death, you must notify the Fund by sending a copy of one of the following documents along with an updated Enrollment Form:

• Divorce decree
• Legal separation papers
• Death certificate

Note that you must list the Social Security number for all dependents on your Enrollment Form.

Log in at zenith-american.com, and select Claim Status in the left menu.

Under the PPO plan, you can use BlueCard® to access benefits and receive health care services while traveling or living outside the PPO plan service area. BlueCard links participating providers and Blue Cross Blue Shield Association Plans across the United States through a single electronic network for claims processing and reimbursement. For more information, call 855-462-5989.

Under the HMO plan, you have coverage while traveling if you visit a Health Plan of Nevada contracted urgent care facility listed at myhpnonline.com. You also have emergency room coverage, but keep in mind that the HMO plan pays nothing if your visit is for a non-life-threatening emergency.

Log in at zenith-american.com, and select Claim Status in the left menu.

We encourage all members to get preventive care services. Early detection is often key to treatment of many diseases and conditions that cause serious illness or even death. Spending a relatively small amount of time now can save you a lot of time, money, and discomfort in the future. Both the PPO and HMO plans cover preventive care for you and your family at no charge to you, as long as you see in-network providers. This includes services such as physical exams, certain immunizations, and preventive screenings and services based on your age and risk factors—such as a flu shot, colonoscopy, PSA test for men, or mammogram or Pap smear for women. For a list of covered preventive care services, visit anthem.com for the PPO plan or myhpnonline.com for the HMO plan.

Generic drugs are free under the PPO plan and half the cost of preferred brand drugs under the HMO plan. Since generic drugs use the same active ingredients and are proven to work the same way as their brand-name counterparts, they have the same risks and benefits. However, doctors don’t always automatically prescribe generic drugs. Be sure to ask whether a generic is available.

If you take medications on a regular basis for chronic conditions, such as high blood pressure, arthritis, diabetes, and asthma, use the mail-order service to save money on prescriptions. Depending on which plan you’re in and the type of drug, your copays for a 90-day supply may be lower than the same supply from a retail pharmacy, plus you get the convenience of home delivery.

Here’s how to get started with mail order:

• PPO plan: Visit envisionpharmacies.com or call 866-909-5170.
• HMO plan: Visit myhpnonline.com or call 800-777-1840.

This plan is a preferred provider organization (PPO). It gives you the flexibility to see any medical provider. However, you save money when you use in-network providers. Refer to your Summary Plan Description for details on this plan. This plan is self-funded, which means the Fund is responsible for claims costs for participants’ eligible health care services, not Anthem or Zenith American Solutions.

This plan is a health maintenance organization (HMO). You must always see Health Plan of Nevada providers in order to receive coverage, except for life-threatening emergencies. If you see an out-of-network provider, you will pay all costs for those services. The HMO plan is fully insured, which means Health Plan of Nevada pays the claims for participants’ eligible health care services.

Precertification assures that your health care services meet or exceed accepted standards of care and that the admission and length of stay in a hospital or health care facility, surgery, drug, dental service, or other health care services are medically necessary. If you’re in the PPO plan, you will need to precertify certain medical services; see the Summary Plan Description for a complete list. To start the precertification process, contact Innovative Care Management (ICM) at:

P.O. Box 22386
Portland, OR 97269
Phone: 800-862-3338
Website: innovativecare.com

If you’re in the PPO plan:

• See the list of urgent care centers in your enrollment packet, or use the Anthem mobile app or visit anthem.com to find a facility near you.
• Or consider using LiveHealth Online to connect with a doctor 24/7 via two-way video on your smartphone, tablet, or computer. You’ll only have a $10 copay for this service. Visit livehealthonline.com, or download the LiveHealth Online mobile app for free from the App Store or Google Play.
• Or request urgent care services where you need them—at your office, home, or anywhere else. You’ll have only a $15 copay for this service. Visit doctoroo.com, call 888-888-9930, or download the Doctoroo app for free from the App Store or Google Play.

If you’re in the HMO plan:

• Visit a Health Plan of Nevada contracted urgent care facility listed at myhpnonline.com.
• Or consider using telemedicine. Visit myhpnonline.com, and follow the instructions under 24/7 Virtual Visits (NowClinic®).

To find a VSP doctor near you, visit vsp.com and click on Find a Doctor, or call 800-877-7195.

To find an in-network dental provider,

• Diversified Dental PPO Plan: Visit ddsppo.com, select Find a Dentist, and follow the instructions.
• LIBERTY Dental Plan DHMO–EPO (Benefit Plan NV-400): See the provider list in your enrollment packet, or visit libertydentalplan.com and select the Find a Dentist tab. Put in the provider specialty and your address before selecting NV-100 through NV-700 from the Benefit Plan drop-down menu to begin your search. You may also call LIBERTY Dental Plan at 888-401-1128.

If you’re in the PPO plan, use LiveHealth Online to connect with a doctor 24/7 via two-way video on your smartphone, tablet, or computer. You’ll only have a $10 copay for this service, with no deductible. Visit livehealthonline.com, or download the LiveHealth Online mobile app for free from the App Store or Google Play.

If you’re in the HMO plan, use NowClinic®️ to connect in minutes, 24/7, to a U.S.-based, board-certified doctor by two-way video using your smartphone, tablet, or computer. Use NowClinic for common, non-life-threatening health issues and behavioral health concerns. You pay nothing—it’s a $0 copay for each visit! Visit nowclinic.com, or download the NowClinic mobile app to speak with a doctor. Behavioral health appointments are required and must be made by calling 800-873-2246. No appointment needed for other services.

If you think you are eligible for an accident and disability benefit, contact Zenith American Solutions by phone at 855-462-5989 or in person, or by completing and submitting the Disability Claim Form. If your claim for a Plan benefit is denied, you have the right to appeal the decision.

You’re covered if you become wholly and continuously disabled due to illness or injury and this disability prevents you from working. The benefit is $250 per week for up to 26 weeks for any one period of disability.

Disability benefits begin when the claim for disability has been determined to meet the definition of total disability under this plan and it is determined that plan disability exclusions do not apply to the claim. Disability claims will be determined no later than 45 calendar days after receipt of the claim unless additional information is required. You must provide proof of disability no later than 90 calendar days after the end of the period for which disability benefits are payable.

You can apply for life and/or AD&D benefits by contacting Zenith American Solutions by phone at 855-462-5989 or in person.

Retiree coverage includes medical, pharmacy, dental, and vision benefits. Life and AD&D insurance coverage of $10,000 is included for members only.

Once you are eligible for Medicare, Via Benefits (formerly OneExchange) is available to assist you in locating medical, prescription drug, dental, and supplemental life and accident insurance plans. Contact them by calling 888-825-2645 or visiting My.ViaBenefits.com/lasvegasteamsters.

Complete the Retiree Enrollment Form, which you should have received in your Retirement Packet. Confirm the premium you will pay for your medical and dental plan choices on the Retiree Enrollment Acknowledgement Form. Return the Enrollment Form, the Enrollment Acknowledgement Form, and a copy of your Pension Benefit Award Letter to Zenith American Solutions.