OPEN ENROLLMENT FOR 2022 IS CLOSED
Use links below to help learn more
about your Nokia or Medicare Health Benefits
» 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 reimbursement, 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.<span “style=”font-weight:normal”>
2022 MANAGEMENT AND FRR PLANS
Click for Nokia information available at
Your Benefits Resources
Changes and costs for 2022 are available here
READ THE RESULTS OF THE 2021
•• PRE-MEDICARE (ACA PLANS)
<style=”font-weight: normal;”=””>» </style=”font-weight:>Healthcare.gov has a YouTube video that explains changes.<style=”font-weight: light;”=””>
» Kiplinger has a list of premium changes by state.</style=”font-weight:>
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
<table “style=” style=” width:=”” 90%;=”” background-color:white);=”” “=”” align=”center” bgcolor=”white” cellpadding=”3″ cellspacing=”1″>ACTIONS TO CONSIDER TO MAKE THE RIGHT CHOICE
To help in comparisons of Medicare and pre-Medicare choices
PLANS Read all the mailings you receive from Nokia
|Nokia information for 2022 Plan Year||YourBenefitResources|
|UHC PPO & Other Plans from BenefitAnswers Plus||BenefitAnswersPlus|
|UHC Nokia Medicare Advantage||UHCMedicareAdvantage|
|United Healthcare (UHC) Rx Plan||UHC Rx website|
|Benefits Center Phone||888-232-4111|
|Aetna dental plan||PPO: 1-800-220-5470
PLANS<font-size=”14px”>For Medicare retirees, there are many commercial plans.
|Medicare,Medicare Advantage,Rx and Medigap for 2022||Medicare and You 2022|
|CMS Medigap information||CMS Medigap|
|Personal State Help Programs/||Click for Websites; phone numbers|
|Medicare.gov||Find plans & Rx Website|
(ACA)l <font-size=”0″>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.
<font-size: “-1″=””>» Be sure to check whether you can receive a subsidy to lower your premiums and deductible costs. Visit healthcare.gov/retirees</font-size=”0″>
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