2024 Open Enrollment

October 15 – November 15, 2023

Open enrollment is your once-a-year opportunity to:

• Review your current plan elections and covered dependents
• Complete the spousal affidavit (if you want to cover your spouse in 2024)
• Enroll in or change your medical and/or dental plan
• Add or drop eligible dependents
• Update your contact and beneficiary information

Changes you make during this year’s open enrollment will be effective January 1, 2024.

Plan changes are allowed only during the open enrollment period. Coverage-level changes are allowed at other times of the year only if you experience a qualifying life event, such as getting married or divorced, having or adopting a child, or your spouse losing coverage under his or her own plan, but you must make the changes within 60 days of experiencing the qualifying life event. So it’s important to think carefully about your choices and make sure you select the right plans for your needs.

There are no plan design changes for 2024! Review your Review your 2024 Open Enrollment Guide for an overview of your coverage options.

Save Money at a Family Wellness Center!

The Teamsters Local 14 Family Wellness Centers, located in Northwest Las Vegas and Henderson, offer convenient and comprehensive primary and acute health and wellness services delivered by experienced physicians and advanced practice providers (e.g., physician assistants and registered nurses) at no cost to you! Services are available to PPO plan participants and their covered dependents. HMO plan participants also can take advantage of the centers at no cost. Visit the Family Wellness Center website for details.

How to Enroll

Starting October 15, log in to the Health Fund website to complete your open enrollment elections and spousal affidavit.

1. Log in to teamsters14healthfund.com.
2. In the left-hand menu, click Open Enrollment/Spousal Affidavit.
3. Complete the step-by-step enrollment process.

Once you complete the enrollment process, you can choose to print your enrollment confirmation or have Zenith American Solutions mail it to you.

Dependent Coverage

If you are adding a new dependent, you must upload required documentation, such as a copy of your certified marriage certificate (not the marriage license) for your spouse and a copy of the certified birth certificate for each child. If your dependent is already enrolled for 2023 benefits coverage, you do not need to upload new documentation to continue their coverage for 2024.

If you want to cover your spouse for 2024, you MUST COMPLETE the online spousal affidavit, even if you completed it last year (see below).

Submit Your Online Spousal Affidavit

To cover your spouse, you must submit an online spousal affidavit through the Health Fund website. Even if you completed the spousal affidavit last year, you must complete and return it again by November 15 to enroll your spouse for 2024 health care coverage. On the affidavit, indicate whether your spouse has the option to enroll in other group medical coverage through his or her 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 must pay a $300 monthly spousal premium. An invoice with payment information will be mailed to you on December 1 for payment due by December 20.

If your spouse does not have the option to enroll in other group medical coverage, works part-time, is a retiree, or is enrolled in his or her employer’s health plan as primary coverage (pays first) and in the Fund’s health plan as secondary coverage (pays second), you will not be required to pay a monthly spousal premium, as long as you complete the online spousal affidavit by November 15.

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