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    The Benefits Team Home Page(69a) last: Sep 1 2017

Welcome • ENROLLMENTS BEGIN SEPTEMBER 25, 2017
This Site Helps for Medicare and Health Care Exchanges for Plan Year 2018


Enrollment for Nokia Benefits and/or Medicare or HealthCare Exchanges

OPEN ENROLLMENT FOR 2018 BEGINS IN LATE SEPTEMBER 2017


UPDATE FOR SEPTEMBER. 2017
MEDICARE CHANGES: Not many changes in Medicare are expected.
    The LRO will publish useful information as events develop.

REGISTRATION OVERLAP: For Management only, there is overlap on enrollment dates for Nokia and Medicare. Plan your schedule around the 10-day overlap beginning October 15.

HELP: Visit below for helpful information on Medicare and links to Nokia and Medicare web sites. Share your experiences with others on the LRO Message Board

Nokia Medicare
Management: Enrollment Begins September 25; Ends October 27, 2017
Represented: Enrollment Begins September 25; Ends October 15, 2017.
► Annual open enrollment materials available before Sep. 25
► UHC Medicare Advantage plan expected to have the same features
► CMS has announced that employer plans will have reduced reimbursements.
    The expectation is that the Nokia plans may cost somewhat more for Plan Year 2018.
Nokia Help line calls are available after October 16. On-line services only before.
CMS Medicare:  
Open Enrollment Begins October 15; Ends December 7, 2017
► Medicare Part B premiums are expected to stay constant, except for higher income individuals.
► CMS Medicare Advantage and Part D Prescription Drugs rates are expected to be stable.
► Medicare Supplement (Medigap) Plans are regulated by individual states. Rates are set by state and sometimes by county. Be sure to check that preexisting conditions are covered before you sign up.  
Pre-Medicare (under 65) Health Care Exchanges:
ACA Enrollment Begins November 1;  Ends December 15, 2017
► Nokia has announced they will continue to offer coverage only for pre-medicare management retirees who retired before March 1990. Read the 2017 Nokia Enrollment Action plan here.
► ACA plans are going through many changes. Stay up to date at www.heathcare.gov.
Medicare "How To" Documents to Help in Decision Making
► Medicare Advantage - plans considerations. Click here
► Medicare Supplement/Medigap - plan considerations. Click here.
Download and print the LRO tracking sheet for 2017 to summarize the plans that meet your needs (will be updated soon for 2018).
Nokia Also Offers Dental and Other Plans
         ► Dental and other insurance with some restrictions are described Click here.

 

Places to Call and Documents for Healthcare Enrollees to Review

ACTIONS TO CONSIDER TO MAKE THE RIGHT CHOICE
To help in comparisons of Medicare and pre-Medicare choices 
NOKIA
PLANS
Read all the mailings you receive from Nokia
Nokia Mailing for 2018 Plan Year (Sent Fall 2017)
YourBenefitResources  
UHC PPO & Other Plans from BenefitAnswers Plus BenefitAnswersPlus
UHC Nokia Medicare Advantage UHCMedicareAdvantage
Express Scripts Rx Plan for 2017 Express Scripts Website
Benefits Center Phone (after Oct.5) 888-232-4111
)CONSIDER
 MEDICARE
For Medicare retirees, there are many commercial plans.
 
Medicare,Medicare Advantage,Rx (2018 end Sep.) Medicare&You 2017
CCMS Medigap information CMS Medigap
Personal State Help Programs/td> Websites; phone numbers
Medicare.gov Find plans & Rx Website
Medicare Phone 800-MEDICARE (633-4227)
PRE-
MEDICARE
(ACA)
l The Affordable Care Act (ACA) provides important options for pre-Medicare retirees
l You have until Dec.15 to review ACA options and cancel the Nokia plan if there is a better plan.
»  Be sure to check premiums, deductibles, maximum out of pocket and, possibly, subsidies available through ACA.
»  Be sure to check whether you  can receive a subsidy to lower your premiums and deductible costs. Visit healthcare.gov/retirees
Be sure to ask your doctors and hospitals
whether they accept your insurance before you sign up.




PRE-MEDICARE MANAGEMENT NEEDS TO SEARCH NEW PLANS

Health Care Exchanges for Non-Medicare Retirees

Note: Some retirees may be eligible for Medicaid or other employer's coverage.

» Consumer's Report has an explanatory document on health care exchanges worth reading. Click here to download.
» The Kaiser Foundation has a calculator that provides an estimate of your subsidy if you sign up for healthcare exchange insurance. Click here to try the calculator.
» The official website that provides answers to your questions and your needs is www.healthcare.gov
     
» Pre-medicare retirees have received a Nokia letter offering help from UHC. Read the letter here. 

Other Places to Visit and Learn

»  Share experiences with other LRO members on the LRO Message Board
»  Ask us a question at benefits@lucentretirees.com


 What are your Medicare option in Addition to Medicare Part B? 

    • Option 1 :: Sign up with Nokia. Management retirees may select the health and prescription drug plans offered by Nokia - a Medicare Advantage PPO plan from United Healthcare that uses a network of providers, with options to use doctors and hospitals out-of-network. (In some areas only an HMO plan will be available). If you choose a Nokia healthcare plan, you must also include the Express Scripts prescription drug plan.

    • Option 2 :: Choose a commercial Medicare Advantage Plan. You can select a commercial Medicare Advantage plan with features similar to the Alcatel-Lucent plan. Alternatively, there are HMO plans with different features and costs.
    
    • Option 3 :: Choose a Medicare Supplement insurance plan (Medigap). You can choose to sign up for a Medigap Medicare Supplement plan to help pay many of the costs not covered by Parts A and B of the Original Medicare plan. Be sure to check whether you can apply WITHOUT a penalty for pre-existing conditions. Click to read the Medicare Medigap guide
        
» You may need to consider a commercial prescription drug plan. If you choose a commercial healthcare plan, you may need to consider signing up for a commercial Prescription Drug plan. See the [Drug Plans] link.  
FOR THOSE REVIEWING THEIR MEDICARE OPTIONS,
BE SURE TO CONTACT STATE HELP FREE


This Website Helps you Find and Compare Healthplan Choices

» Step-by-step guide to finding health care choices. The web site link [Step1 How to Find] provides downloads and instructions that can help you find current Medicare Advantage plans at Medicare.gov and Medicare Supplement plans (Medigap) at State Health Insurance web sites.

» Step-by-step guide to comparing health plans. The web site link [Step 2 - How to Compare]  helps you compare alternatives to the Alcatel-Lucent plan and the many marketplace plans. It provides ways to find and compare important criteria, like monthly premiums, deductibles, copayment, coinsurance and providers (doctors/hospitals).

» Prescription drug options.
The link [Step3 - Drug Plans] provides ways to compare various options for your Medicare prescription drug choices. Since the Alcatel-Lucent offer has a combined premium for health care and Rx plans, you'll need to know the alternatives to make a full comparison.


Share your
experiences and learn from others on the

LRO Message Board
board.thelro.org


This web site offers guidance primarily for Nokia
management and formerly non-represented retirees.