LRO              The Benefits Team Home Page                   last:: Nov.2,  2014 (42)

Welcome :: Open Enrollment Activities for 2014
for Alcatel-Lucent and Medicare and pre-Medicare

Benefit Enrollent is Underway for Open Enrollment 2015

Benefits Mailings in 2014 HAVE BEEN SENT. Be Sure to Read.
Be sure to consider whether your doctors/hospital accept your plan.
Be sure to check the copays for the drugs you use in your Part D plan
MEDICARE ANNOUNCES 2015 COSTS
Medicare Part B Premiums unchanged - $104.90
Medicare deductible unchanged - $147
Alcatel-Lucent UHC PPO plan deductible unchanged - $290
    HEALTH CARE ENROLLMENT DATES   
» Alcatel-Lucent Enrollment has ended
There is still time to find commercial plans and cancel Alcatel-Lucent
For Management Click here for links
For Formerly Represented  Click here for links
» Medicare enrollment begins October 15 and ends Dec 7
Plan info now available Oct 1 (at medicare.gov)
» pre-Medicare ACA enrollent begins November 15
Plan info Nov 15 available at healthcare.gov

FOR ELIGIBLE BENEFITS ENROLLEES

ACTIONS TO CONSIDER TO MAKE THE RIGHT CHOICE
Alcatel-Lucent Read all the mailings you receive from Alcatel-Lucent
+ Read the more detailed information at links they contain
+ Review your own experiences from your decisions from last year
Consider
Medicare
For Medicare retirees, there are many commercial plans
Click here to download a checklist to compare alternatives
+ Follow the three steps in the menu links on this web site
+ If you have questions, consider calling the Help in Your State help line. Click here for phone numbers and web links.
ACA fort
Pre-
Medicare
For pre-Medicare retirees, the ACA provides new options
+ The enrollment schedules suggest you may want to sign up with Alcatel-Lucent and then cancel if the Nov 15 ACA plans are better.
+ Be sure to check whether you  can receive a subsidy to lower your premiums and deductible costs. Visit healthcare.gov



 Alcatel-Lucent Enrollment in 2014 for 2015

» Enrollment documents sent in 2014 (Click for the ALU web site with documents).
» If Internet access is difficult:
     
Kits available on request 1-888-232-4111
     • Personal Enrollment Worksheets, Benefits-at-a-Glance (BAAG), SBCs (as applicable), legal inserts (as applicable), Enrollment Guide
» On Line enrollment at Your Benefits Resources(YBR)
» Phone Enrollment and info about coverage options
        Benefits Center 1-888-232-4111.
  ¤ United Healthcare web site has additional documents (Click here)
  ¤ IMPORTANT: United Healthcare's Summary of Benefits for their PPO plan (Click here)


Medicare Enrollment in October 2014 for 2015

» Medicare.gov publishes Medicare Advantage and Prescription Drug details for 2015 starting October 1, 2014
» Other Medicare Documents:
  ¤ Medicare's 2015 brochure is available: (Click for "Medicare and You 2015")
 
 ¤ US News and World Reports Now Ranks Medicare Advantage Plans
Click here to see insurance plan rankings in your state.
(Special note: Alcatel-Lucent plans are not included; Commercial United Healthcare is.)

Health Care Exchanges for Non-Medicare Retirees

 • Alcatel-Lucent's mailings have said:

"..you may elect to buy coverage through the health insurance marketplace...Many pre-Medicare retirees may benefit from the potential subsidy offered for marketplace 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     
RETIREE MEDICAL COVERAGE SUBSIDY TO BE ELIMINATED
Certain employees who retired on or after March 1, 1990 are currently eligible for a Company subsidy. Effective January 1, 2015, this subsidy will be eliminated. Read more at http://benefitanswersplus.com/active_m/pre-enroll_2015/  

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 Alcatel-Lucent. Management retirees may select the health and prescription drug plans offered by Alcatel-Lucent - 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 an Alcatel-Lucent healthcare plan, you must also include the Medco/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 Alcatel-Lucent
management and formerly represented retirees.

Join the Benefits Team

Continuing changes in legislation and regulation may require retirees to revisit their decisions and possibly consider new Medicare options. If you have human resources experience, please join the Benefits Team and help your fellow retirees in these important decisions.

Send an email to benefits@lucentretirees.com