Welcome ¤ Open Enrollment Ends Soon
This Website Is Here to Help You Make a Healthy Choice
Enrollment for Alcatel-Lucent Benefits and/or Medicare
ENDS DEC. 7
TO CONSIDER TO MAKE THE RIGHT CHOICE
To help in comparisons of Medicare choices
Click here to download a checklist
all the mailings you receive from
» Management Enrollment has ended.
» Formerly Represented Enrollment ends October 30
» Website information:
|For Medicare retirees,
there are many commercial plans.
» Enrollment begins October 15 and ends December 7
| l The Affordable Care Act
(ACA) provides important options for
l You have until Dec.31 to review ACA options and cancel the Alcatel-Lucent 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
sure to ask your doctors and
whether they accept your insurance before you sign up.
Alcatel-Lucent Enrollment Plans Start Sep. 28 with OnLine and Phone Dates» For Management Retirees::
¤ Online only – September 28th – October 4th;
¤ Online + ALBC (phone) – October 5th - to 5:00 PM on October 16th
» For Formerly Represented Retirees:
¤ Online only – September 28th- October 18th
¤ Online + ALBC (phone) – October 19th – through 5:00 PM on October 30th
ALU plans to communicate this to the retirees in mid-September
» Phone Enrollment and info about coverage options
Benefits Center 1-888-232-4111.
Medicare Enrollment Plans Oct. 15 to Dec.7, 2015» Medicare.gov published Medicare Advantage and Prescription Drug details for 2016 starting October 1, 2015
» Expectations for Commercial Medicare for 2016
¤ Higher quality: There should be a greater percentage of plans that earn four or five stars from Medicare’s quality rating system. Medicare rewards quality insurers, and so do plan members.
¤ Fewer choices: Overall, there will be fewer choices available for most beneficiaries. A few years ago, the average Medicare recipient had almost 50 options, but an average beneficiary is expected to have less than 20 next year.
¤ Affordable rates: Medicare Advantage rates are still expected to remain affordable, and there will e some zero premium Medicare Advantage plans for 2016 in most areas.
¤ More HMOs: Out of all of the plan types, local HMOs will probably gain the most members as they can control costs the best. However, PPOs should still be common because some plan members prefer to pay more for more choices.
» Other Medicare Documents:
¤ Medicare's 2016 brochure is available: (Click for "Medicare and You 2016")
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
Other Places to Visit and Learn» Share experiences with other LRO members on the LRO Message Board
» Ask us a question at firstname.lastname@example.org
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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