Nickolas ZERVOS, Plaintiff-Appellant-Cross-Appellee, v. VERIZON NEW YORK, INC., f/k/a Verizon Communications Inc., f/k/a Nynex Corporation, f/k/a New York Telephone Company, and Empire Healthchoice, Inc., f/k/a Empire Blue Cross Blue Shield, Defendants-Appellees-Cross-Appellants, United Healthcare Co., Inc., a/k/a United Healthcare, Defendant.