LRO              The Benefits Team Home Page                   last:: Dec 7, 2014 (43)

Welcome :: This Site is Organized for Retirees
Who Begin or Change Health Insurance in 2015

Benefit Enrollent is Available for Newly Eligible Retirees

» Alcatel-Lucent Enrollment has ended
» pre-Medicare ACA enrollent began November 15
Plan info Nov 15 available at


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 for newly eligibile 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
For pre-Medicare retirees, the ACA provides new options
+ 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

 Alcatel-Lucent Enrollment Plans

» 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 has Closed for 2015

» 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:

" 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.

Send an email to