NOKIA
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.

    
•• 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 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 2021 Plan Year
YourBenefitResources
UHC PPO & Other Plans from BenefitAnswers Plus BenefitAnswersPlus
UHC Nokia Medicare Advantage UHCMedicareAdvantage
United Healthcare (UHC) Rx Plan - New for 2021 UHC Rx website
Benefits Center Phone 888-232-4111
Aetna dental plan PPO:  1-800-220-5470
DMO: 1-800-220-5479
)
 MEDICARE
PLANS
For Medicare retirees, there are many commercial plans.
 
Medicare,Medicare Advantage,Rx and Medigap for 2020 (2021 tba) Medicare and You 2021
CMS Medigap information CMS Medigap
Personal State Help Programs/ Click for Websites; phone numbers
Medicare.gov Find plans & Rx Website
Medicare Phone 800-MEDICARE
(800-633-4227)
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

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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