Retiree Benefits Welcome Page(02) last
Dec 10 2020
This Site Helps You With Your Decisions
on Medicare and Nokia Health Insurance Benefits
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
|
)
MEDICARE
PLANS |
For
Medicare retirees, there are many commercial
plans.
|
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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