The HRA Health Reimbursement Account and healthcare coverage through the Aon Retiree Health Exchange ARHE March 18, 2018 ** Advise And Counsel Regarding The HRA Health Reimbursement Account ~ Starting in 2017, Dental and Vision Plans have been added to the participating in the ARHE Aon Retiree Health Exchange inclusion statement.

Participation in the HRA Health Reimbursement Account through the ARHE Aon Retiree Health Exchange ~ Failure to enroll through the ARHE for a minimum of an Advantage or Medigap or Part D Drug Plan or Dental Plan or Vision Plan will terminate your participation in AT&T Healthcare & HRA Health Reimbursement Account and will end AT&T Healthcare coverage for your dependent. 2 * Eligible Former Employees will receive an HRA Crediting Amount of $2,700 for 2018 if they enroll in Medical – Advantage or Medigap – and/or Medicare Part D Prescription Drug Coverage purchased through the ARHE.

Eligible Former Employees who enroll in dental and/or vision coverage purchased through the ARHE, but do not enroll in medical or prescription drug coverage purchased through the ARHE, will receive an HRA Crediting Amount of $300 for 2018.

Eligible Dependent will receive an HRA Crediting Amount of $1,500 for 2018 if they enroll in Medical – Advantage or Medigap – and/or Medicare Part D Prescription Drug Coverage purchased through the ARHE.

Eligible Dependent who enrolls in Dental and/or Vision coverage purchased through the ARHE, but does not enroll in Medical or Prescription Drug coverage purchased through the ARHE, will receive an HRA Crediting Amount of $200 for 2018.

The Full HRA Credit Dollars are prorated for less than 12 months in a full calendar year on the ARHE. $2,700 full calendar year ~ $225 per month ~ AT&T Retiree $1,500 full calendar year ~ $125 per month ~ Dependent

Former Employees and their dependents living outside the United States are not eligible for the HRA Program. In addition, Former Employees and their dependents living in U. S. Territories (e.g., Puerto Rico, Guam and the USVI) are not eligible for an HRA. 3

If an Eligible Former Employee or their Eligible Dependent enrolls in medical or prescription drug coverage through the ARHE and receives an HRA Crediting Amount, neither will receive a separate HRA Crediting Amount resulting from their enrollment in vision and/or dental coverage purchased through the ARHE.

If you add on Dental and/or Vision Insurance Coverage with your Advantage, Medigap or Part D Drug Plan, be sure that the ARHE does not change you from the $2,700/$1,500 HRA to the $300/$200 HRA. One may have only one HRA. The ARHE has made this change to the dismay of AT&T Retirees.

The AT&T Benefits Center is responsible for sending an electronic file of all ARHE Eligible AT&T Retirees and Eligible Dependents to the Aon Retiree Health Exchange for the ARHE database. Electronic files must be sent no later than 60 days before the AT&T Retiree or Dependent transitions from the ABC to the ARHE for healthcare coverage.

AT&T Retirees Who Are Married To AT&T Retirees Each AT&T Retiree who is on the ARHE has his/her own ARHE account. When two AT&T Retirees who are married to one another, and each are on the ARHE, each will have his/her own ARHE account. Each will be entitled to the $2,700 HRA. On occasion, the electronic file sent by the AT&T Benefits Center to the Aon Retiree Health Exchange for the ARHE database, has listed one of the “Married To One Another AT&T Retirees” as a Dependent. When listed as a Dependent, the ARHE database inserts the $1,500 HRA. If the “Dependent” is really an AT&T Retiree, one must contact the ABC to arrange for a new and correct electronic file to be sent to the ARHE. If you and your spouse are AT&T Retirees, please watch out for this confusion when you transition to the ARHE.

HRA Health Reimbursement Account Reminder For AT&T Retirees Who Are Participating In The Aon Retiree Health Exchange ~

Any unused 2017 HRA Credit Dollars at the end of 2017 will carryover into 2018 so long as you remain a Participant in the Program. * One can use 2017 Carryover HRA Credit Dollars in 2018 for reimbursement of 2017 Edible Expenses, but you must submit a Reimbursement Claim for the 2017 Eligible Expenses to the Claims Administrator for Receipt By Saturday, March 31, 2018.

One may use 2017 Carryover HRA Credit Dollars for reimbursement of 2018 Eligible Expenses incurred during the new calendar year of 2018. The ability to use the 2017 Carryover HRA Credit Dollars for 2018 Eligible Expenses will begin on Sunday, April 1, 2018 when the 2017 Carryover HRA is merged into the 2018 HRA.

One cannot use 2018 HRA Credit Dollars to receive reimbursement for 2017 Eligible Expenses.

2018 HRA Credit Dollars became available on January 1, 2018.

The HRA, ARHE And AT&T Retirees

Effective January 1, 2015 The HRA Health Reimbursement Account with the healthcare coverage on the Aon Retiree Health Exchange ARHE for selected AT&T Retirees and their Dependents began for the first time.

Effective January 1, 2017 AT&T Retirees and their Dependents who are Under 65 Years of Age and are on Medicare Due To Disability will transition the ARHE and HRA at the completion of 24 Months of Disability.

One may go online at the AT&T Benefits Center website and on the Home Page go to the Right and Click on SPD/SMM/SBC/Legal Notices. All the SPD and SMM documentation that is applicable to you will be listed. You can View and/or Download to your communication device. You may call and order hardcopies of the SPD and SMM documentation and the 8 by 11 sized booklets will be mailed free of charge to your home address.

AT&T Benefits Center ~ Alight Solutions 1-877-722-0020 ~ Monday through Friday ~ Live Chat International 1-847-883-0866 ~ Main Fax 1-847-883-8217 ET: 08:00 AM to 08:00 PM ~ CT: 07:00 AM to 07:00 PM MT: 06:00 AM to 06:00 PM ~ PT: 05:00 AM to 05:00 PM Internet ~ https://leplb0760.portal.hewitt.com/web/att/login?forkPage=false

Medical SPDs HRA Health Reimbursement Account Program SPD Nov2017 PDF