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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 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
• DMO: 1-800-220-5479)

MEDICARE PLANS 

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 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