LRO              The Benefits Team Home Page                 last:: Oct.4, 2015 (48)

Welcome ¤ Open Enrollment Has Begun
This Website Is Here to Help You Make a Healthy Choice

Enrollment for Alcatel-Lucent Benefits and/or Medicare


   Commercial Medicare Advantage rates are not changing much. The costs are posted on so you can find commercial alternatives to consider.

   In Alcatel-Lucent’s case, the monthly premium has dropped from $52.48 to $41.64 for the United Healthcare Medicare Advantage PPO plan. However, the Express Scripts drug plan annual deductible, included in this premium, has increased by $40 and the Rx co-pays have increased, so retirees may not see their out-of-pocket costs decrease, overall, depending on amount and type of Rx usage.

   Alcatel-Lucent has mailed an excellent comparison document “Read About What’s Changing” for you to compare 2015 to 2016. Click here to read the mailing.

 +The original mailing had an error in the link for reaching the
    Benefits Resources Center. The correct link is


To help in comparisons of Medicare choices 
Click here to download a checklist
Read all the mailings you receive from Alcatel-Lucent
 v Management Enrollment ends October 16
 v Formerly Represented Enrollment ends October 30
 v Downloadable information: 
 ALU Mailing for 2016 plan Year What's Changing
Login for Downloads and Sign Up YourBenefitResources (YBR)
United Healthcare PPO Plan UHC Website
Express Scripts Rx Plan Express Scripts Website
For Medicare retirees, there are many commercial plans.
 v Enrollment begins October 15 and ends December 7
 Medicare, Medicare Advantage,RX Medicare&You 2016
Medigap information CMS Medigap
Personal State Help Programs Websites; phone numbers Find plans and Rx
v Downloadable information:
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 Alcatel-Lucent plan if there is a better plan.
 v Be sure to check premiums, deductibles, maximum out of pocket and, possibly, subsidies available through ACA.
 v 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.

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

» 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:

" 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

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 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.  

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.

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.

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