OPEN ENROLLMENT FOR 2022 IS CLOSED
Use links below to help learn more
about your Nokia or Medicare Health Benefits

Help for Your Health Care Services During 2020 »  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. 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 HEALTHCARE SURVEY CLICK HERE FOR THE SURVEY RESULTS•• 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 NokiaNokia information for 2022 Plan Year
YourBenefitResourcesUHC PPO & Other Plans from BenefitAnswers PlusBenefitAnswersPlusUHC Nokia Medicare AdvantageUHCMedicareAdvantageUnited Healthcare (UHC) Rx PlanUHC Rx websiteBenefits Center Phone888-232-4111Aetna dental planPPO:  1-800-220-5470
DMO: 1-800-220-5479)
 MEDICARE
PLANSFor Medicare retirees, there are many commercial plans.
 Medicare,Medicare Advantage,Rx and Medigap for 2022Medicare and You 2022CMS Medigap informationCMS Medigap
Personal State Help Programs/Click for Websites; phone numbersMedicare.govFind plans & Rx WebsiteMedicare Phone800-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