The Benefits Team Home Page(62) last: Oct.24, 2016

Welcome Looking for Healthcare Choices?
Enrollment Dates Announced - Mailings+Websites in October

Enrollment for Nokia (was Alcatel-Lucent) Benefits and/or Medicare


► CMS Medicare has posted 2017 Medicare Advantage Plans and Medicare Rx Plans at
      Medicare Part B Premium and Deductible not published yet
► Nokia  online enrollment has started. Click here to read.
      Premium for Nokia MA and Rx plan not published yet.
      Download and print the LRO attached healthcare tracking sheet to summarize the healthcare plans that meet your needs.
      IMPORTANT: Nokia has announced that it is ending healthcare for pre-Medicare management retirees. Read Nokia's Action announcement here.
Nokia Medicare: Enrollment Begins October 24; Ends November 11, 2016.
► Annual open enrollment materials available now, except for premiums and 2017 Summary of Benefits.
► UHC Medicare Advantage plan has the same features.
► CMS has announced that employer plans will have reduced reimbursements.
    The expectation is that the Nokia plans will cost more for Plan Year 2017.
CMS Medicare:  Open Enrollment Begins October 15; Ends December 7, 2016
► Medicare Part B premiums are expected to increase. Also, deductible are expected to increase $40.
► CMS Medicare Advantage and Part D Prescription Drugs rates are expected to be stable, except to accomodate new deductibles. Part D Rx deductibe for 2017 will be $400, an increase of $40.
► 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): ACA Enrollment Begins November 1;  Ends December 15. 2016
► Nokia has announced they will not continue to offer coverage for pre-medicare management retirees who retired after March 1990. Read the Nokia Enrollment Action plan here. Nokia has said: (1) over 90% opt out; (2) the costs would be very high; and (3) the ACA marletgplace offers better opportunites.
► ACA plans (at may be a cost-effective alternative, particularly if the retiree is eligible for a subsidy.
Most dates overlap so that you have time to review Nokia plans,
CMS Medicare, Medigap and plans before making a choice.
► First Nokia mailing is already out: Get Ready for 2017
► Nokia description of 2017 health care plans at Benefit Answers Plus will post in Oct. 2016.

Places to Call and Documents for Healthcare Enrollees to Review

To help in comparisons of Medicare and pre-Medicare choices 
Read all the mailings you receive from Nokia
First Nokia Mailing for 2017 Plan Year (Fall 2016)
Get Ready for 2017
YBR Login for Full Plan and Sign Up (Oct.. 24) YourBenefitResources
UHC PPO & Other Plans from BenefitAnswers Plus BenefitAnswersPlus
UHC Nokia Medicare Advantage UHCMedicareAdvantage
Express Scripts Rx Plan Express Scripts Website
Benefits Center Phone(after Oct.5) 888-232-4111
For Medicare retirees, there are many commercial plans.
 »  Enrollment begins October 15 and ends December 7 at 
Medicare,Medicare Advantage,Rx (2017 now) Medicare&You 2017
CMS Medigap information/td> CMS Medigap
Personal State Help Programs Websites; phone numbers Find plans & Rx Website
Medicare Phone 800-MEDICARE (633-4227)
l The Affordable Care Act (ACA) provides important options for pre-Medicare retirees
l You have until Dec.31 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
Be sure to ask your doctors and hospitals
whether they accept your insurance before you sign up.


Health Care Exchanges for Non-Medicare Retirees

 • 'Nokia's mailings have said:

" may elect to buy coverage through the health insurance marketplace...Many pre-Medicare retirees may benefit from the potential subsidy offered for marketplace coverage."
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

Other Places to Visit and Learn

»  Share experiences with other LRO members on the LRO Message Board
»  Ask us a question at

 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.  

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 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

This web site offers guidance primarily for Alcatel-Lucent
management and formerly represented retirees.