Retiree Benefits Welcome Page(01) last
Oct 23 2020
This Site Helps You With Your Decisions
on Medicare and Nokia Health Insurance Benefits
NOKIA ENROLLMENT IS
CLOSED
MEDICARE ENROLLMENT - OCT.15 TO DEC.7
DATES
FOR
2021
OPEN
ENROLLMENT
| Sep 21 - Sep 27 2020 |
Nokia on-line enrollment only |
| Sep 28 - Oct 9 2020 |
Nokia on-line and telephone enrollment |
| Sep 21 2020 |
Nokia and Medicare notify insured of changes |
| Oct 1 2020 |
Medicare.gov plans information available |
| Oct 15 - Dec 7 2020 |
Medicare.gov plan registration available |
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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
|
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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