Retiree Benefits Welcome Page(98) last:Sep
22 2020
This Site Helps You With Your Decisions
on Medicare and Nokia Health Insurance Benefits
NOKIA AND MEDICARE
2021 OPEN ENROLLMENTS
NOKIA HAS
POSTED ENROLLMENT GUIDES ON SEP. 21
NOKIA OPEN ENROLLMENT CHANGES FOR
2021
The informatiom below is for
Management/non Represented plans.
Click here for plans for Formerly
represented.
»
Nokia open enrollment closes before
Medicare enrollment starts.
If you
want to compare plans, you will
need to
(1) Wait until Oct 1 to visit
medicare.gov
(2) Compare Nokia to
Medicare plans before Oct. 9
Click here to view Medicare and You
2021 for guidance
Consumer Reports has a check list
for listing plan features
(3) If you prefer the Medicare plan,
sign up after Oct. 15
(4) If you are replacing a Nokia plan, call Nokia Benefits Center and cancel their plan
Click to see Nokia instruction at page 9
»
NEW Prescription Drug Provider -
United Healthcare (UHC)
BE SURE
TO CHECK WHETHER YOUR DRUGS ARE
COVERED,
WHAT THEY COST AND
AVAILABLE PHARMACIES
Visit the UHC Rx site here
NOKIA INSTRUCTIONS FOR
OPEN ENROLLMENT 2021
»
Nokia Open Enrollment Action Guide.
Step-by-step how to enroll.
»
Nokia Benefits at a Glance
Coverage details and deductibles for alternatives
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 |
•• Help for Your Medicare Plan
Services for 2021
» COVID EPIDEMIC:
UnitedHealthcare will waive cost sharing (copayment, coinsurance, and deductible) for COVID-19 testing during this national emergency. They are also waiving cost sharing for COVID-19 testing related visits during this same time, whether the testing related visit is received in a health care provider’s office, an urgent care center, an emergency department or through a telehealth visit. Testing must be ordered by a physician and provided at approved locations in accordance with U.S. Centers for Disease Control and Prevention (CDC) guidelines including FDA approved testing at designated labs around the country.
|
|
»
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.
|
|
|
| |
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
|
|
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
herbZ633$
© Copyright 2020 Retirees benefits All Rights Reserved.
Theme Design by wfiedlerhts
