Welcome :: Open Enrollment Activities for 2015
have Started for Alcatel-Lucent and Medicare
Benefit Enrollent is Underway for Open Enrollment 2015
Mailings in 2014 HAVE BEEN SENT. Be
Sure to Read.
This year, it's easier to compare private Medicare plans because schedules overlap.
Be sure to consider whether your doctors/hospital accept your plan.
Be sure to check the copays for your drugs in your Part D plan
MEDICARE ANNOUNCES 2015 COSTS
HEALTH CARE ENROLLMENT DATES
» Alcatel-Lucent Enrollment has begun
For Management - ends October 17
Click here for links
For Formerly Represented - ends October 31
Click here for links
» Medicare enrollment begins October 15
now available Oct 1 (at medicare.gov)
» pre-Medicare enrollent begins November 15
Nov 15 available at
|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
|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.
|For pre-Medicare retirees,
the ACA provides a new option
+ 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")
¤ For more specifics on all Medicare options, "Medicare Made Clear" is a fairly long document but very helpful. Click here to view.
¤ 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
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 email@example.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.
BE SURE TO CONTACT STATE HELP FREE
» 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
This Website Helps you Find and Compare Healthplan
» 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.
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