BENEFIT REMINDER

Member Assistance Program (MAP)Provided by Managed Health Network (MHN)

OPERATING ENGINEERS TRUST FUNDSI.U.O.E. LOCAL 12

MAY 2019

Fund Office Member Services: M – F 8:30 am – 4:30 pm TOLL FREE (866) 400-5200 • Visit our website: www.oefi.org

Women’s Health and Cancer Rights Act Notice

We would like to remind you about the Member Assistance Program that was introduced in 2017. It is available to all non-Medicare PPO Plan enrollees eligible in the Health and

Welfare Fund, and their household members (not restricted only to eligible dependents). The MAP is a free, confidential, professional consultation and referral program. This program is designed to help you and your household members address and resolve personal problems that may be interfering with work or home life. There are no costs to you for these services and counseling is provided for up to eight (8) sessions per issue/incident per eligible person, per year.

The Health & Welfare Fund has contracted with MHN to provide these professional services for you 24 hours a day, 7 days a week, 365 days a year. Information, guidance, or

assistance can be obtained by calling: (800-327-0577). These no-cost counseling sessions are only available through MHN.

When you call the Member Assistance Program, a trained intake specialist will assist you with obtaining services. They will provide you with names and telephone numbers for providers best suited to meet your needs (In-network providers where available). You must call the provider to set up an appointment and then call MHN back to obtain an authorization. Up to eight (8) counseling sessions authorized by MHN are provided for each situation for which you seek assistance.

These sessions may include:• Short-term counseling by a qualified specialist

• Face-to-face, telephonic or web video assessments

• Crisis intervention

• Community resources and affiliations referrals

• Family mediation services

ConfidentialityYour concerns are your own private business. Any personal information you may share with a MAP counselor is strictly confidential, and all member assistance communications are in accordance with legal requirements for confidentiality.

What problems can the MAP help with?Just about anything. The MAP program particularly

focuses on the following problems:

• Marriage, family and relationship issues

• Stress and anxiety

• Depression

• Grief and loss

• Anger management

• Domestic violence

• Alcohol and drug dependency

• Other emotional health issues

If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient for;• All stages of reconstruction of the breast on which the

mastectomy was performed; • Surgery and reconstruction of the other breast to produce

a symmetrical appearance;

• Prostheses; and• Treatment of physical complications of mastectomy,

including lymphedema.

These benefits will be provided subject to the same deductibles and coinsurances applicable to other medical and surgical benefits provided under this Plan.

Contact Member Services toll-free at (866) 400-5200 for more information.

Page 2 The Scoop I.U.O.E. LOCAL 12

Out-of-Network Docs at In-Network HospitalsI stayed in my Network….Why did I get a bill?You’re scheduled for surgery, and you’ve done your homework. You know that your doctor is admitting you to a hospital that participates in the Anthem Blue Cross network – our PPO network. You’ve checked that your surgeon participates as well. So, there shouldn’t be any surprises, right?

Even if your hospital participates in our PPO network, that doesn’t mean that all the providers working there do as well. If you need surgery, or have a serious illness, there may be several providers involved in your treatment. And each of them may or may not contract with Anthem Blue Cross.

When you receive treatment in a hospital, be aware that you may get a bill from providers who don’t participate in the PPO network, such as:• ER doctors • Radiologists • Surgeons assisting your• Pathologists • Anesthesiologist in-network surgeon

What Can I Do?Although the Health Plan does cover non-network care, it is at a lower percentage (70% of usual and reasonable charges versus 90% of the contracted amount for in-network) and after a $500 deductible versus $250 in-network deductible. But the non-network provider may also bill you for the difference between their “billed charges” and Anthem’s determination of “usual and reasonable charges.” While you can try to negotiate after you’ve already received the bill, out-of-network providers are under no obligation to accept a lower payment.

The best way to try to avoid this situation is to ask questions. Talk to your doctor and the hospital admitting office to see if all of the providers involved in your care are contract providers with Anthem Blue Cross.

What about Emergencies?If you’re in a car accident, suffer a heart attack, or have another emergency, you typically don’t have a choice about where to go for care. You’ll usually be taken to the nearest hospital, which may or may not participate in our Anthem Blue Cross PPO network. Although the Health & Welfare Plan will cover emergency care at the in-network rate of 90% whether the hospital is in-network or not, you may be billed by the non-network hospital and/or the non-network ER doctors for the difference between their “billed charges” and Anthem’s determination of “usual and reasonable charges”.

But remember, this only applies to real emergencies. If it’s not a true emergency, the hospital costs for care received in the ER of a non-network hospital will be covered at the lower non-network rate (70% of usual and reasonable charges), the higher $500 deductible will apply and you would be subject to “balance billing” as described above.

Medicare Eligible Retirees Have Choices in Health Care Retirees enrolled in Medicare and eligible in the Health & Welfare Fund have three options for their health care. Pick the option that best fits your needs. If for any reason you decide you don’t like the option you are in, you’re not locked in. You can change the beginning of the next month.

The three available options are:

1. Kaiser Senior Advantage HMO. This plan is not available in all areas. • Generally, only $5 copays for medical care and $5 copays

for prescription drugs. • This option is an HMO where all medical care and

prescription drugs must be obtained through Kaiser facilities, providers and pharmacies.

• Monthly premium of $100 per retiree, $200 retiree and spouse.

2. UnitedHealthcare (UHC) Medicare Advantage PPO. This plan has been significantly improved from when it was first rolled out in 2016.• No copays for medical care and $5 to $30 copays for

prescription drugs.• This is a PPO plan and does not have restrictions on in

and out-of-network coverage. You have access to UHC’s national network or can see any other provider as long as the provider participates in the Medicare program and will accept assignment of benefits from UHC. The provider does not have to be in the UHC network. Although 96% of the providers used by our members will accept UHC assignment, some do not. So, if you are considering this option, we suggest checking with providers you use on a recurring basis if they will accept UHC assigned claims.

• Monthly premium of $160 per retiree, $320 retiree and spouse.

3. Operating Engineers PPO Plan. This is our traditional PPO plan where we coordinate benefits in a secondary position after Medicare pays.• Generally, no copays for medical care after

coordination with Medicare and $10 to $40 copays for prescription drugs.

• Monthly premium of $218 per retiree, $435 retiree and spouse.

The Health & Welfare Fund also has two other options where members would receive their medical benefits elsewhere on their own and only receive supplemental benefits, like vision, dental, hearing aids, etc. from the Fund for a lower monthly premium. If you would like to learn more about these Plans, referred to as Plan M and Plan L, please call the Member Services Department in the Fund Office.

I.U.O.E. LOCAL 12 The Scoop Page 3

If you have stopped eating nuts because you think that this food isn’t healthy, then you can begin shopping for these tasty nuts at your local supermarket:• Almonds • Hazelnuts • Pine Nuts • Brazil Nuts • Macadamia Nuts • Pistachios• Cashews • Pecans • Walnuts• Chestnuts

Nuts that haven’t been processed with added sugar, salt or pre-servatives offer a variety of healthy benefits. Before buying any type of nuts, make sure to read the label to ensure that it is a pure form of the food. It is important to limit your portions by measur-ing this type of food or counting the nuts before eating the items. Remember that you can sprinkle nuts on other foods to add flavor or texture.

Nuts Contain Arginine You may never have heard of arginine, but it is an important amino acid. After consuming nuts, the arginine enters your bloodstream before it changes into nitrous oxide.

Nitrous oxide is a neurotransmitter that increases your blood circulation because it helps your body’s blood vessels to relax and widen. This makes a few servings of nuts each week a great way to improve the condition of your cardiovascular system.

Nuts Provide Plant Sterols Nuts are a type of plant food that contains sterols, and these sub-stances prevent the absorption of dangerous cholesterol. Experts believe that the regular consumption of plants that contain sterols can reduce your cholesterol levels by as much as 10 percent.

Nuts Offer Vitamin E Your skin needs vitamin E for a variety of reasons, including: • Reducing the appearance of fine lines and wrinkles • Preventing eczema or psoriasis

• Protecting your skin from the damages of the sun’s ultraviolet rays

• Keeping your skin smooth and moisturized • Increasing wound healing times

Nuts Have High Levels of Fiber It is important to consume more fiber because this substance makes you feel more satiated. In addition, fiber helps you to digest food and move it through your intestinal tract.

Nuts Contain Omega-3 Fatty Acids Walnuts offer the most omega-3 fatty acids, and this nutrient provides an assortment of benefits, including:

• Protecting your brain’s cells from dementia conditions such as Alzheimer’s disease

• Preventing heart disease • Keeping your eyes healthier • Preventing mood disorders such as anxiety or depression • Reducing the pain from arthritic conditions • Increasing your body’s energy levels • Improving the condition of your fingernails and skin

Nuts Offer Unsaturated Fats Unsaturated fats are considered a healthier form of fat because it can reduce your bloodstream’s high cholesterol levels naturally without taking medication. Brazil nuts offer one of the highest levels of unsaturated fat.

The Health Benefits of Eating Nuts

May is National Physical Fitness Month!Regular physical activity is good for everyone’s health, and people of all ages and body types can be physically active. It’s never too late to start! National Physical Fitness and Sports Month is a great time to spread the word about the benefits of getting active.

Here are just a few benefits of physical activity:• Children and Adolescents – Physical activity can improve

muscular fitness, bone health, heart health, and decrease the chance of type 2 diabetes.

• Adults – Physical activity can lower the risk of heart disease, type 2 diabetes, some types of cancer, and can increase mood and energy level.

• Older Adults – Physical activity can lower the risk of falls and improve cognitive functioning (like learning and judgment skills) and increase energy level.

You don’t have to join a gym or spend a lot of money buying

fancy exercise equipment to be active. The weather is finally getting nicer so this is the perfect time to head outside for your daily activity. Try to get 30 minutes a day, even broken down into 10 or 15 minute increments if you need to.• Walk with a friend in the morning• Better yet, walk with a friend and your dog! (Or walk

dogs at the Humane Society)• Play catch or basketball with your kids after dinner -

encourage your kids to be active from an early age• Join a local team - there’s teams for all ages and skill levels• Don’t like the great outdoors? Take up bowling or take a

dance class • Go hiking or biking on the weekend. The lakes and

waterfalls are spectacular right now!

If you haven’t exercised in awhile, start slow. Remember, any activity is better than none. Your body will thank you!

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Page 4 The Scoop I.U.O.E. LOCAL 12

Adding or dropping a dependent in the Health & Welfare Fund?

Here’s the documentation you will need:

If You Want To: Documentation Required by the Fund:

Add a new dependent spouse

Certified marriage certificate

Remove a divorced spouse

Copy of the recorded final divorce decree

Add your dependent child under age 26 Certified birth certificate

Add a foster child, adopted child or a child for whom you are legal guardian

Certified birth certificate and legal documentation (e.g. adoption or guardianship papers used by the court)

LiveHealth Online: Visit with a Doctor 24/7LiveHealth Online is a program available to non-Medicare members enrolled in the Health & Welfare Fund PPO Plan. It is available anywhere you have a computer or mobile device or phone with internet access. This gives you immediate access to an Anthem Blue Cross network, board-certified doctor via webcam, chat, or voice at no cost to you without having to wait for an appointment or going to an urgent care center or hospital emergency room.

LiveHealth Online is convenient, easy to use, and secure. Simply log onto www.livehealthonline.com and follow the registration instructions. To register, you will need your OEID number. Once registered, you can then choose a doctor and begin your consultation.

Following are some of the more common conditions that members have visited a doctor through LiveHealth Online:

• Flu • Cold & Fever• Minor rashes • Sore throat• Tooth pain • Skin infection• Pink eye • Headache• Allergies • Diarrhea

For questions or assistance, contact LiveHealth Online toll-free at (888) 548-3432.

This service allows you

to visit with a doctor

online 24 hours a day,

7 days a week, and 365

days a year with no

deductible or co-payment.

Memorial DayCan you find the hidden words?They may be horizontal,vertical, diagonal, forward, or backwards.

PANEL DENTIST UPDATE May 2019 – ADDITIONS

CLARK COUNTY, NV Lance K. Robertson, General Practice 1170 N. Moapa Valley Blvd. Ste. A Overton, NV 89040 PH 702-397-8844 Amandeep Sidhu, General Practice 8955 Pecos Road, Suite 2A Henderson, NV 89074 PH 702-212-6641 Travis Neu, Pediatric Dentistry 1701 N. Green Valley Pkwy, Suite 8E Henderson, NV 89074 PH 702-492-1955 Henley Fong, General Practice 8504 Del Webb Boulevard Las Vegas, NV 89134 PH 702-360-8696 Pouya Momtaz, Orthodontics

- Several Locations 803 S. 7th St. Las Vegas, NV 89101 PH 702-384-4721 10965 Lavendar Hill Drive, Suite 120 Las Vegas, NV 89135 PH 702-852-2829 Damian Betancourt, General Practice

- Several Locations 1351 W. Sunset Road, Suite 100 Henderson, NV 89014 PH 702-835-1102 3073 W. Craig Road, Suite 1 No Las Vegas, NV 89032 PH 702-636-8760 4001 S. Decatur Blvd., Suite 42A Las Vegas, NV 89103 PH 702-221-0783 6080 S. Durango Dr., Suite 100 Las Vegas, NV 89113 PH 702-997-3715 1985 N. Nellis Blvd. Las Vegas, NV 89115 PH 702-531-3777 7545 W. Sahara Ave., Suite 200 Las Vegas, NV 89117 PH 702-838-0707 5250 S. Pecos Road, Suite 102 Las Vegas, NV 89120 PH 702-454-5200 9210 S. Eastern Ave., Suite 130M Las Vegas, NV 89123 PH 702-492-1564 7101 W. Craig Road, Suite 102 Las Vegas, NV 89129 PH 702-515-0553

10470 W. Cheyenne Ave., Suite 110 Las Vegas, NV 89129 PH 702-405-7400 Earl Colbert, Orthodontics 8665 W. Flamingo Rd. Ste. 104 Las Vegas, NV 89147 PH 702-982-0800 LOS ANGELES COUNTY Kamyar Sadeghein, Endodontics 8077 Florence Ave., Suite 101 Downey, CA 90240 PH 562-381-2442 Daniel Garoian, General Practice 2680 Saturn Ave. Ste. 180 Huntington Park, CA 90255 PH 323-560-4658 Bita Binesh, General Practice 2523 W. Carson St. Torrance, CA 90503 PH 310-320-6101 Daniel Kim, Endodontics 1480 S. Harbor Blvd., Suite 5 La Habra, CA 90631 PH 714-870-5200 Nina Fridman, General Practice 747 E. Altadena Drive Altadena, CA 91001 PH 626-808-0192 David Moody, General Dentist 11149 Woodley Avenue Granada Hills, CA 91344 PH 818-363-7795 Shukan Kanuga, Periodontics 24121 Baywood lane, Suite A Valencia, CA 91355 PH 661-291-1200 Michael Wasemiller, Periodontics 1111 S. Grande Avenue, Suite F Diamond Bar, CA 91765 PH 909-860-5854 Steven Bergara, General Practice 330 S. Garfield, Avenue, Suite 216 Alhambra, CA 91801 PH 626-289-1148 Salina Massei, Pediatric Dentistry Christine Hoang Lan Tran, Pediatric Dentistry 41253 12th Street West, Suite C Palmdale, CA 93551- PH 661-225-9964 ORANGE COUNTY Christine Vian, General Practice Andy Ko, Pediatric Dentist Neusha Najafi, General Practice

ORANGE COUNTY (Continued) Jahan Pandhoh, General Practice Roy Masato Hayashi, Endodontics Yasmin Daryabegi, Orthodontics Robert Hou, Oral Surgery Nayiry charshafjian, General Practice Reneelyn Dang, General Practice Michael Vert, Pediatric Dentistry Stephen Kallaos, Periodontics 5731 E. Santa Ana Canyon Rd., Suite A Anaheim, CA 92807 PH 714 998-2956 Neela Ghatnekar, General Practice 8101 E. Kaiser Blvd., Suite 150 Anaheim Hills, CA 92808 PH 714-921-9252 Chad Dains, General Practice 31726 Rancho Mission Viejo Rd., #103 San Juan Capistrano, CA 92675 PH 949-493-7007 Young Jun, General Practice 17822 Beach Blvd. #342 Huntington Beach, CA 92647 PH 714-847-6044 RIVERSIDE COUNTY Daniel Morgan, Pediatric Dentist 4960 Arlington Ave. Ste. A Riverside, CA 92504 PH 951-977-9992 Kyungsin Park, General Practice 285 E. Alessandro Blvd., Suite 7D Riverside, CA 92508 PH 951-780-9800 Pedro L. Gonzalez, Endodontics 31569 Canyon Estates Drive, Suite 239 Lake Elsinore, CA 92532 PH 951-399-0900 Katy Chou, General Practice 31571 Canyon Estates Drive #200 Lake Elsinore, CA 92532 PH 951-766-4211 Joseph Danesh, General Practice 255 N. Gilbert St. Bldg. A Hemet, CA 92543 PH 951-652-2474 Matthew Wasemiller, General Practice 27450 Ynez Rd. Ste. 204 Temecula, CA 92591 PH 951-695-6269 SAN BERNARDINO COUNTY Garrett Dacker, Orthodontics 2242 S. Mountain Ave Ontario, CA 91762 PH 909-362-8463

Garrett Dacker, Orthodontics Daniel Lee, General Practice 300 E. 7th St. Ste. 2G Upland, CA 91786 PH 909-982-8501 Steve Chu, Pediatric Dentist 600 N. Euclid Ave., Suite 101 Upland, CA 91786 PH 909-985-9809 Szu-Tsung Chang, General Practice 9804 Central Ave. Montclair, CA 91763 PH 909-625-9100 Diana Lee, General Practice 12530 10th St., Suite B Chino, CA 91710 PH 909-627-7514 Anthony Guererro, Endodontics Shakeh Garibyan, General Practice 2140 Grand Ave., Suite 265 Chino Hills, CA 91709 PH 909-464-8484 Bobby Soleiman, Periodontics Farshad Seyedein, Endodontics Charles Rodgers, General Practice Vihn-Thy Nguyen, Endodontics Elisa Sin, Periodontics Atousa Farahani, Pediatric Dentistry Aneri Gandhi, Pediatric Dentistry David Mashadian, Oral Surgery Bruce Heinrich, Orthdontics Rashi Vohra, Endontics 3410 Grand Avenue, Suite F Chino Hills, CA 91709 PH 909-364-0027 Hoa Nguyen, General Practice 9190 Sierra Ave., Suite 101 Fontana, CA 92335 PH 909-356-4200 Tareq Afifi, General Practice Zafiro Zapanta, General Practice Diana Dang, General Practice 16868 Main Street Hesperia, CA 92345 PH 760-244-2625 David Telles, Oral Surgery 308 W. State St. #4A Redlands, CA 92373 PH 909-792-8440 SAN DIEGO COUNTY Michael Do, Endodontics

- Several Locations 885 Canarios Ct. Ste. 208 Chula Vista, CA 91910 PH 619-579-0316 506 S. Magnolia Ave. El Cajon, CA 92020 PH 619-579-0316

SAN DIEGO COUNTY (Continued) 5830 Oberlin Dr. Ste. 103 San Diego, CA 92121 PH 619-579-0316 Scott Becker, General Practice 7516 University Ave. La Mesa, CA 91942 PH 619-833-0733 Georgina Quintero-Golshan, General Practice 2647 Fallsview Rd. San Marcos, CA 92078 PH 760-891-0606 ADDRESS CHANGES Travis Neu, Pediatric Dentist Nina Mirzaya, Pediatric Dentist Manny Rapp, Pediatric Dentist 2843 Saint Rose Pkwy. Ste. 100 Henderson, NV 89052 PH 702-492-1955 Scott Wilson, General Practice 2585 S. Jones Blvd. Ste. 1B Las Vegas, NV 89146 PH 702-476-6767 David Kim, Endodontics 9242 Walker St. #C Cypress, CA 90030 PH 714-220-2001 Timothy Verny, General Practice 15017 Hawthorne Blvd. Lawndale, CA 90260 PH 310-973-6428 Raymond Grigorian, Endodontics 24121 Baywood Ln. Ste. A Valencia, CA 91355 PH 661-291-1200 Ricardo A. Alpez, General Practice 4648 Riverside Dr. Chino, CA 91710 PH 909-628-6701 Karen Lee, General Practice Abraham Ghorbanian, General Practice 300 E. 7th St. Ste. 2G Upland, CA 91786 PH 909-982-8501 Joseph Danesh, General Practice 24104 Sunnymead Blvd. Ste. B Moreno Valley, CA 92553 PH 951-243-8438 Sean J. Nolan, General Practice 2528 C South Broadway Santa Maria, CA 93454 PH 805-925-2628 Christine Hoang Lan Tran, Pediatric Dentist 41253 12th St. West #C Palmdale, CA 93551 PH 661-225-9964

TERMINATIONS Eric Swainston, General Practice 2030 E. Flamingo Rd. Ste. 288 Las Vegas, NV 89119 PH 702-892-0833 Keya Patel, General Practice 7181 N. Hualapai Way #105 Las Vegas, NV 89166 PH 702-852-2282 J L Flores, General Practice 11510 Downey Ave. Downey, CA 90241 PH 562-862-2600 Leonard Russo, General Practice 3320 N. Los Coyotes Diagonal Ste. 102 Long Beach, CA 90808 PH 562-421-8858 Allen Ko, General Practice 558 W. Badillo St. Covina, CA 91722 PH 626-332-0506 Katy Chou, General Practice 720 E. Lathan Ave. Hemet, CA 92543 PH 951-766-4211 Eric Swainston, General Practice 1530 Baker St. Ste. D Costa Mesa, CA 92626 PH 714-556-5636 Gary Knerr, General Practice 2613 G Street Bakersfield, CA 93301 PH 661-322-1948 Stephan Kallaos, Periodontics 555 W. Benjamin Holt Dr. Ste. 1 Stockton, CA 95207 PH 760-720-0966 Loretta Gilmore, Maxilllofacial Surgery 3428 Watt Ave. Ste. B Sacramento, CA 95821 PH 916-485-1555 When making an appointment, always verify your dentist’s Operating Engineers Dental PPO In-Network status. If you have any questions or concerns, please call the Member Services Center TOLL FREE at (866) 400-5200.