NOKIA
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.
•• 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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