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    The Benefits Team Home Page(92)  last: Dec 8, 2019

This Site Helps You With Your Decisions
on Medicare and Nokia Health Insurance Benefits


Enrollment for Nokia Benefits and/or Medicare or HealthCare Exchanges

NOKIA AND MEDICARE 2020 OPEN ENROLLMENTS CLOSED DEC 7, 2019
Under special circumstances you can make changes early in 2020 Click here.

                                      

HELP WANTED FOR 2020 !!


»
 The LRO will be reducing its web services before the next enrollment
»
 There is interest in maintaining these benefits help pages going forward
»
 Would you like to help? Some HR experience and computer skills are useful.
»  Send an email to LRObenefitsteam@gmail.com and we can discuss.
•• Help for Your Medicare Plan Services During 2020
»  Coverage: Medicare plans, including Medicare Advantage, are governed by rules established by CMS. If your health plan, including Nokia's, is not meeting your needs, you can ask for advice on a state-by-state basis at SHIP centers. Click here for your state center.
» Appeals: If your dealings with your Medicare plan are unsatisfactory on coverage or reimubursement, you are entitled to file an appeal. Your plan should provide a link to explain how to proceed. The Nokia/UHC appeals page is available at this web site.
•• PRE-MEDICARE (ACA PLANS)
» Healthcare.gov has a YouTube video that explains changes.
»
Kiplinger has a list of premium changes by state.
Nokia Also Offers Dental and Other Plans
► Dental and other insurance with some restrictions are described Click here.

Places to Call and Documents for Healthcare Enrollees to Review
ACTIONS TO CONSIDER TO MAKE THE RIGHT CHOICE
To help in comparisons of Medicare and pre-Medicare choices 
NOKIA
PLANS
  Read all the mailings you receive from Nokia
Nokia information for 2020 Plan Year
YourBenefitResources  
UHC PPO & Other Plans from BenefitAnswers Plus BenefitAnswersPlus
UHC Nokia Medicare Advantage UHCMedicareAdvantage
Express Scripts Rx Plan for 2020 Express Scripts Website beimg updated
Benefits Center Phone 888-232-4111
)CONSIDER
 MEDICARE
For Medicare retirees, there are many commercial plans.
 
Medicare,Medicare Advantage,Rx and Medigap for 2012 Medicare&You 2020
CMS Medigap information CMS Medigap
Personal State Help Programs/ Websites; phone numbers
Medicare.gov Find plans & Rx Website
Medicare Phone 800-MEDICARE (633-4227)
PRE-
MEDICARE
(ACA)
l The Affordable Care Act (ACA) provides important options for pre-Medicare retirees
»  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 healthcare.gov/retirees


PRE-MEDICARE MANAGEMENT MAY NEED TO SEARCH NEW PLANS

Health Care Exchanges for Non-Medicare Retirees

Note: Some retirees may be eligible for Medicaid or other employer's 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
»  Ask us a question at benefits@lucentretirees.com


 What are your Medicare option in Addition to Medicare Part B? 

    • Option 1 :: Sign up with Nokia. Management retirees may select the health and prescription drug plans offered by Nokia - 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 a Nokia healthcare plan, you must also include the 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 Medicare 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
NEW ADDRESS



This web site offers guidance primarily for Nokia
management and formerly non-represented retirees.