FAQs

Your eligible dependents include:

• Your legal spouse: If you choose to cover your spouse, you will need to submit a Spousal Affidavit.
• 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 Benefits Portal and click on “Health Eligibility” in the left menu.

To cover your spouse, you will need to submit a spousal affidavit, included in your enrollment materials, indicating whether your spouse has the option to enroll in other group medical coverage through a current employer.

If your spouse has the option to enroll in other group medical coverage but does not elect it and continues to have the Fund’s medical plan as primary coverage, you will need to pay a $300 monthly spousal premium. An invoice with payment information will be mailed to you.

If your spouse does not have the option to enroll in other group medical coverage or is enrolled in his or her employer’s health plan as primary coverage and in the Fund’s health care plans as secondary coverage, you will not be required to pay a monthly spousal premium, as long as you complete the spousal affidavit.

If you certify that your spouse does not have the option to enroll in other group medical coverage and you enroll him or her in the Fund’s medical plan, then it is later determined that your spouse was enrolled or had the option to enroll in other group medical coverage, you will need to pay the $300 spousal monthly premium for each month it should have been applied. Additionally, you may have to pay the Fund back for any benefits that were improperly paid for your spouse.

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—not Anthem or Zenith American Solutions—is responsible for claims costs for participants’ eligible health care services.

This plan is an Engaged Care Plan (ECP). Members that enroll must visit a Family Wellness Center first for health and wellness services. In circumstances where you are unable to seek care at a Family Wellness Center ( e.g., needing care after hours, in case of an emergency, or to see a specialist), the plan does provide access to the PPO network at a reduced copay if you’ve received care at one of the wellness centers within the most recent 12-month period and/or you receive a referral from a provider at one of the centers. However, if you choose to seek care outside of the PPO network, services will not be covered (unless given a referral by a Family Wellness Center provider or in case of emergency). This plan is self-funded, which means the claims are paid by the Fund rather than an insurance company.

You can change your benefit elections during open enrollment. Changes you make during open enrollment each year are effective the following January 1. Outside of open enrollment, you are only able to make changes within 60 days of experiencing a qualifying life event, such as getting married or divorced, having a baby, or your spouse losing coverage under his or her own plan.

To enroll dependents, send copies of the following documents along with your completed enrollment form:

• Spouse: spousal affidavit and certified marriage certificate
• Children/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 applicable 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 the enrollment form.

Log in at Benefits Portal and click on “Claim” in the left menu. 

If you’re in the PPO plan:

• See the list of urgent care centers in your enrollment packet, 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 pay 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 only pay 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 ECP plan:

• Schedule a visit at a Family Wellness Center for in-person or virtual urgent care, at no cost. Visit clients.marathon.health/teamsters14 or download the Marathon Health app from the App Store or Google Play to book your appointment.
• 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 pay 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 only pay a $10 copay for this service (with a wellness center visit/referral) or a $40 copay (without a wellness center visit/referral). Visit doctoroo.com, call 888-888-9930, or download the Doctoroo app for free from the App Store or Google Play.
• Or visit an urgent care center near you. You’ll pay $10 copay with a wellness center visit/referral or $40 copay without a wellness center visit/referral). Note: If you’d like to access the PPO network, you will pay a higher copay if you have not had a visit/referral from the wellness center in the past 12 months.

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 702-851-8286.

Under the Engaged Care Plan, you have coverage while traveling  through the PPO network if you’ve visited a Family Wellness Center within the most recent 12-month period and/or if you’ve received a referral from one of the wellness center providers. You also have emergency room coverage, but keep in mind that the ECP  only pay $75 for emergency room charges  if your visit is for a non-life-threatening emergency.

We encourage all members to get preventive care services, which are covered by both medical plans at 100%. 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 plan and the Engaged Care Plan 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 test for women. For a list of covered preventive care services, visit anthem.com for the PPO plan or  clients.marathon.health/teamsters14 for the Engaged Care Plan.

Generic drugs have a $5 copay under both the PPO and Engaged Care Plan and are half the cost of preferred brand drugs. 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 for both PPO and Engaged Care Plan members:

• Visit elixirsolutions.com or call 800-361-4542.

Precertification ensures 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, drugs, 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

To make an appointment online, log in at the Family Wellness Center website. You may also call 702-552-3635 (press 1 for the Henderson location or press 2 for the Northwest Las Vegas location) to schedule an appointment.

No, your private health information is completely confidential and will never be shared with the Fund or your employer.

You and your covered dependents can use the Family Wellness Center providers with no out-of-pocket cost. In addition, you can continue to use your current physician, but you will be subject to the applicable deductibles and copays.

You and your covered dependents will pay nothing to access the centers, including prescription drugs and lab services received at a center.

The centers stock approximately 50 of the most frequently used generic drugs. A list of available drugs will soon be available.

There are two locations:

• Henderson: 2739 Sunridge Heights Parkway Henderson, NV 89052
• Northwest Las Vegas: 2831 Business Park Court, Las Vegas, NV 89128

Henderson Family Wellness Center

• Monday: 7:00 a.m.–5:00 p.m.
• Tuesday: 8:00 a.m.–6:00 p.m.
• Wednesday: 8:00 a.m.–6:00 p.m.
• Thursday: 1:00 p.m.–6:00 p.m.
• Friday: 6:00 a.m.–4:00 p.m.

Northwest Las Vegas Family Wellness Center

• Monday: 7:00 a.m.–5:00 p.m.
• Tuesday: 8:00 a.m.–6:00 p.m.
• Wednesday: 8:00 a.m.–6:00 p.m.
• Thursday: 8:00 a.m.–1:00 p.m.
• Friday: 6:00 a.m.–4:00 p.m.

The Family Wellness Centers will be closed on the following holidays:

• New Year’s Day – Wednesday, January 1, 2025
• Memorial Day – Monday, May 26, 2025
• Independence Day – Friday, July 4, 2025
• Labor Day – Monday, September 1, 2025
• Thanksgiving – Thursday, November 27, 2025
• Thanksgiving (observed) – Friday, November 28, 2025
• Christmas Eve – Wednesday, December 24, 2025
• Christmas Day – Thursday, December 25, 2025

Contact information is available on the Contacts page.

If you call the center for urgent care after normal business hours, you’ll automatically be redirected to the after hours line to speak with a nurse who can assess your situation and offer guidance. If needed, a center staff member will follow up with you the next business day.

Not necessarily. The doctor is completely independent. As a result, referrals are based on the facility that can provide the highest-quality and most cost-effective service.

To find a VSP doctor near you, visit vsp.com, click “FIND A DOCTOR,” and follow the instructions. Or call 800-877-7195. Tell them you have VSP. No ID card is necessary.

To find an in-network dental provider:

• Delta Dental PPO Plan: Visit deltadentalins.com, and use the “Find a Dentist” search box.
• LIBERTY Dental Plan DHMO-EPO (Benefit Plan NV-400): See the provider list in your enrollment packet, or visit libertydentalplan.com, click the “FIND A DENTIST” tab, and then click “NEVADA.” Under “Nevada Dentist Search,” click the Benefit Plan drop-down menu and select “NV-100 through NV-700.” Complete the rest of the requested information and click “Search.” You can also call LIBERTY Dental Plan at 888-401-1128.

Use LiveHealth Online to connect with a doctor 24/7 via two-way video on your smartphone, tablet, or computer. You’ll only pay 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.

You can apply for life and/or AD&D benefits by contacting the Teamsters 14 customer service line at 702-851-8286. 

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.