LRO              The Benefits Team Home Page                   last: Feb 10 2014 (33)

Welcome :: The Goal of this Web Site is to Help Retirees
With their Medicare Healthcare Decisions during 2014

Healthcare Choices for 2014 and the Impact of the ACA (a.k.a. Obamacare)

                   new   Medicare and Social Security Cost Update
                                          Click for more details here
+ Medicare Part B premium unchanged at $104.90/month (for most payees)
+ Medicare Part B deductible unchanged at $147
+ Medicare Part A Deductible will increase slightly in 2014
   (currently $1,184; will increase to $1,216 for each benefit period days 1-60)
+ Medicare Part D (prescription drugs)  is $310 (typical plan) down from $320

+ Social Security inflation payment will increase 1.5%
   (CNN says this is the lowest increase in many years)

Consumer Reports Now Ranks Medicare Advantage Plans
You have until December 17 to compare Alcatel-Lucent plans to the commercial marketplace.
Click here to see insurance plan rankings in your state.
(Special note: Alcatel-Lucent plans are not directly covered, Commercial United Healthcare is.)

FOR NEWLY ELIGIBLE MEDICARE ENROLLEES

ACTIONS YOU SHOULD CONSIDER TO HELP MAKE THE "RIGHT" CHOICE
Alcatel-
Lucent
Read all the mailings you receive from Alcatel-Lucent
+ Read the more detailed information in links they contain
+ Review your own experiences from your decisions from last year
New
Medicare
For Medicare retirees, there are many commercial plans to consider
+ Follow the three steps in the links on this web site
+ If you have questions, consider calling the Help in Your State help line
Pre-
Medicare
For pre-Medicare retirees, the ACA provides a new option
+ Insurance from the health care exchange may provide better value, especially if you qualify for subsidies.
+ Be sure to check whether you  can receive a subsidy to lower your costs
+ new Alcatel-Lucent enrollment is closed. But you can still consider healthcare.gov options and cancel the A-L insurance if you find a better option.



 Alcatel-Lucent Enrollment in 2013 for 2014

» Enrollment documents sent in 2013 (Click for the ALU web site with documents).
» 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 2013 for 2014

» Medicare.gov published Medicare Advantage and PDP plan details for 2014 in October.
» Other Medicare Documents:
  ¤ Medicare's 2014 brochure is available: (Click for "Medicare and You 2014")
  ¤ For more specifics on all Medicare options, "Medicare Made Clear" is a fairly long document but very helpful. Click here to view.


Health Care Exchanges for Non-Medicare Retirees

 • Alcatel-Lucent's first mailing says

"..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
» Keep up to date on national health care issues with this industry newsletter NCOA
» Ask us a question at benefits@lucentretirees.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 supplemental 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.  
FOR THOSE REVIEWING THEIR MEDICARE OPTIONS,
BE SURE TO CONTACT STATE HELP FREE


This Web site has been designed to help you find and compare 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 Medicare.gov 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

board.thelro.org
This web site offers guidance primarily for Alcatel-Lucent
management and non-represented retirees.
Join the Benefits Team

Pending 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 benefits@lucentretirees.com