» Review info from the [Step 1 -How to Find Guide] tracking
Transfer the information you entered from the [How to
Find Guide] tracking sheet about the
Nokia plans, other Medicare Advantage Plans, Medicare
Supplement (Medigap) plans and
Rx Plans to the summary sheet you can download .
» Please note -- there are many factors in the many plan documents that may apply to your
individual case so try to read them as
you make your final decision.
» Click to download the summary sheet for the 2017 plan year.
• Premiums and co-pays.
PPO plans with lower premiums may have higher co-pays or
maximum out of pocket. Important costs to compare:
premiums, in-network doctor co-pays, hospital
co-insurance, deductibles, maximum out of pocket,
• Plan quality ratings.
Medicare.gov has a plan quality rating for
Medicare Advantage plans. Employer group plans, such as
Nokia's Medicare Advantage PPO, are not rated.
Medigap plans may be rated by the states.
• Doctors and hospitals.
your doctors/hospitals are in the PPO network, you may
find lower total costs and less paperwork than if you need
to regularly see out-of-network providers.
BE SURE YOUR DOCTOR AND HOSPITAL ARE COVERED -VERY
IMPORTANT: You can find doctors/hospitals
on the Internet for PPO plans. For the Nokia United
Healthcare PPO, go to
on [Find A Provider] and follow instructions.
Other plans have similar links on their web
» IF YOUR DOCTOR/HOSPITAL IS NOT
LISTED: Speak to your
doctor/hosipital, giving the exact name of the
plan, and ask if they will accept the
Nokia PPO plan or any other you are
considering. Be sure to ask:
doctor/hospital file for direct payment from
If the answer is NO, then you will need to pay
and apply for later reimbursement.
Medicare supplement (Medigap) plans have higher premiums
but often pay more of the costs. Also, you can see any
Medicare doctor or hospital, without a network. Be sure
that your plan covers pre-existing conditions. Read more in this Medigap guide from
• Future costs.
costs events are difficult to foresee. Medicare Advantage
costs are expected to rise or benefits decrease because of
the reduction of Federal subsidies in the Healthcare
Reform Act in the next few years.