LRO              The Benefits Team Home Page                   last: Sep 23 2014 (39)

Welcome :: Open Enrollment Activities for 2015
Begin in August 2014 and Run through November 2014

Benefit Enrollent is Underway for Open Enrollment 2015

Benefits Mailings in 2014 HAVE BEEN SENT. Be Sure to Read.
This year, it's easier to compare private Medicare plans because schedules overlap.
Be sure to consider whether your doctors/hospital accept your plan
.


ALCATEL-LUCENT SCHEDULES FOR 2015 ENROLLMENT
Management Dates
Click here to download a checklist to compare alternatives

August 18 -August 22   Mailing of pre enrollment materials - Click here for mailer
Sept 15 - Sept 26   What's Changing Enrollment Mailer - Click here for links
Sept 22 - October 5   Enroll: On Line Only - Management
October 6 - October 17   Enroll: Call Benefits Center or On Line
Formerly Represented Dates
August 25 - August 29  Mailing of pre enrollment materials - Click here for mailer
Sept 29 - October 10  What's Changing Enrollment Mailer - Click here for links
Sept 22 - October 19  Enroll: On Line Only - Formerly Represented 
October 20 - Oct 31  Enroll: Call Benefits Center or On Line - Formerly Represent
MEDICARE SCHEDULES FOR 2015 ENROLLMENT
October 1 (approx)  New Medicare and drug plans available on medicare.gov 
October 15 - Dec 7  Medicare health plan and prescription drug enrollment
Medicare and Alcatel-Lucent schedules overlap this year. You should have time to compare Medicare plans, such as Medicare Advantage, before signing up with Alcatel-Lucent
AFFORDABLE CARE ACT (ACA) SCHEDULES FOR 2015
For Pre-Medicare Alcatel-Lucent Retirees
November 15 - Dec15   Open enrollment at healthcare.gov 
These ACA dates are later than the Alcatel-Lucent enrollment. Be sure to call the Benefits Hotline after you receive your enrollment materials and discuss how to proceed. You may have to enroll with Alcatel-Lucent and then cancel your plan if the ACA offers a better plan.
Click here for Printable Page of Calendar

FOR ELIGIBLE BENEFITS ENROLLEES

ACTIONS TO CONSIDER TO MAKE THE RIGHT CHOICE
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
Consider
Medicare
For Medicare retirees, there are many commercial plans
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.
Pre-
Medicare
For pre-Medicare retirees, the ACA provides a new option
+ The enrollment schedules suggest you may want to sign up with Alcatel-Lucent and then cancel if the Nov 15 ACA plans are better.
+ Be sure to check whether you  can receive a subsidy to lower your premiums and deductible costs. Visit healthcare.gov



 Alcatel-Lucent Enrollment in 2014 for 2015

» 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 in October 2014 for 2015

» Medicare.gov 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")
  ¤ For more specifics on all Medicare options, "Medicare Made Clear" is a fairly long document but very helpful. Click here to view.

 ¤ 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:

"..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     
RETIREE MEDICAL COVERAGE SUBSIDY TO BE ELIMINATED
Certain employees who retired on or after March 1, 1990 are currently eligible for a Company subsidy. Effective January 1, 2015, this subsidy will be eliminated. Read more at http://benefitanswersplus.com/active_m/pre-enroll_2015/  

Other Places to Visit and Learn

» Share experiences with other LRO members on the LRO Message Board
» 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 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.  
FOR THOSE REVIEWING THEIR MEDICARE OPTIONS,
BE SURE TO CONTACT STATE HELP FREE


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 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 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 benefits@lucentretirees.com