Retiree Benefits Welcome Page(04) last
Mar 4 2021
This Site Helps You With Your Decisions
on Medicare and Nokia Health Insurance Benefits
READ THE
RESULTS OF THE HEALTHCARE SURVEY
Many of you
filled out a survey of the last Open Enrollment.
A summary of your input and next steps to
improve enrollments are available now.
CLICK HERE FOR THE SURVEY
RESULTS
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2021 OPEN ENROLLMENTS ARE
CLOSED
HELPFUL INFORMATION
IF YOU ARE NEW OR CHANGING
MEDICARE
CHOOSING MEDICARE OPTIONS
for 2021
MORE DETAILS ON YOUR CHOICES:
Nokia Medicare Advantage; CMS
Medicare Advantage; Medicare
Suppement
The information below is primarily for
Management/non Represented plans.
Click here for plans for Formerly
represented.
Check your plan does not
exclude Preexisting Conditions
»
You will want to compare your
options before choosing. Consumer Reports
has a check list to help you track plan features.
Click Here
» Medicare and You 2021
offers guidance on your choices.
Click here.
1
Nokia offers a Medicare Advantage
plan with a built-in Prescription
Drug Rx plan.
Like all Medicare
Advantage plans, you need to be sure
that your doctors and hospitals
accept the plan. Also it offers a
limit to out-of-pocket costs. Nokia
provides details at
BenefitAnswersPlus.
Be sure
to check your prescription drug
costs on the list of drugs
(called a formularty).Click
here to view the formulary.
Some
retirees have opted out of just the
Rx plan for a standard Medicare Rx
plan.
Click to see Nokia instruction at page
9
2
Medicare offers a range of
Medicare Advantage plans with or
without Prescription Drugs.
You need
to consider whether your doctors and
hospitals accept the plan. And
different plans have different
out-of-pocket maximums. For 2021,
Medicare says the limit cannot
exceed $7,550. The Medicare website,
medicare.gov, allows you to
compare plans for your ZIP code and
will calculate your Rx costs for
different plans.
3
Also consider a supplemental
policy, also called Medigap.
You
will have to pay a higher monthly
premium, but these plans pay for
much of what Medicare Advantage
plans do not. Also, it is accepted
anywhere that standard Medicare is
accepted. There are a number of plan
types to choose from, with different
premiums for different benefits, so read the
Medicare Medigap help document.
Click here.
You will need a separate Rx plan.
Visit
medicare.gov And be se sure
to speak to your Health Insurance
Department help line.
Get their phone
number here.
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Places to Call and Documents for Review
ACTIONS TO
CONSIDER TO MAKE THE RIGHT CHOICE
To help in
comparisons of Medicare and pre-Medicare choices
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NOKIA
PLANS |
Read all the
mailings you receive from Nokia
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MEDICARE
PLANS |
For
Medicare retirees, there are many commercial
plans.
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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
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PRE-MEDICARE (MANAGEMENT) MAY NEED TO SEARCH NEW PLANS
ACA 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 enrollment.
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
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
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