NOKIA
Retiree Benefits Welcome Page(10) last Oct 22,, 2021

MARK YOUR CALENDAR. NEW DATES for Plan Year 2022
Updated October 22 2021 for
Medicare and Nokia Health Insurance Benefits


    
NOKIA ENROLLMENT HAS ENDED
 MEDICARE ENROLLMENT ENDS DEC.7

Consumer Reports has a helpful comparison form (click)
1) Find one or more Medicare plans at medicare.gov
2) Also consider Medicare Supplement Insurance
      (see Section 5 of "Medicare and You 2022")
3) Get personal help from your State help line
» IMPORTANT: Be sure that your provider (doctor, hospital) accepts the plans your considering. Not all Medicare Advantage Plans (including Nokia's) are accepted by all providers.
2022 MEDICARE PLANS LISTED ON
MEDICARE.GOV

Deductibles and fees changed
Medicare Part Type 2021 2022
Medicare Part B Deductible $1,364 $1,408
Medicare Part B Fee $135.50 $144.60
Medicare Part B Deductible $185 $198
Medicare Part D Deductible $445 $480
"MEDICARE AND YOU 2022" AVAILABLE NOW
Click here to download and read
Describes what's new and changing
Use it to compare Medicare to Nokia
2022 MANAGEMENT AND FRR PLANS
Click for Nokia information available at
Your Benefits Resources
Changes and costs for 2022 are available here

 NOKIA POSTCARD SENT
Click here to read the postcard
NOTE: Very little time to read plan description in paper.
Please try to use online access.
   
    

READ THE RESULTS OF THE 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 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


herbZ633$    documents>@Webs>@WebBenefits>Benefits


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