Alcatel-Lucent

Premium Changes

Review the YBR website during the annual open enrollment period for your 2016 premium costs.

Higher Medical Annual Deductibles and Out-of-Pocket Maximums

Effective January 1, 2016, your medical annual deductibles and out-of-pocket maximums will increase as follows:

	Point of Service (POS)	Traditional Indemnity
Annual Deductible	In-Network: None Out-of-Network: Individual: $750 Two-person: $1,500 Family: $2,250	In-Network: None (No change) Out-of-Network: Individual: $775 Two-person: $1,550 Family: $2,325	Individual: $350 Two-person: $700 Family: $1,050	Individual: $375 Two-person: $750 Family: $1,125
Annual Out-of-Pocket Maximum	In-Network: Individual: $1,550 Two-person: $3,100 Family: $4,650 *Out-of-Network:** Individual: $4,350 Two-person: $8,700 Family: $13,050	In-Network: Individual: $1,600 Two-person: $3,200 Family: $4,800 *Out-of-Network:** Individual: $4,450 Two-person: $8,900 Family: $13,350	Individual: $1,850 Two-person: $3,700 Family: $5,550 Excludes deductible	Individual: $1,900 Two-person: $3,800 Family: $5,700 Excludes deductible

Point of Service (POS)

Traditional Indemnity

Feature

2015

2016

2015

2016

Annual Deductible

In-Network: None
Out-of-Network:

Individual: $750
Two-person: $1,500
Family: $2,250

In-Network: None (No change)
Out-of-Network:

Individual: $775
Two-person: $1,550
Family: $2,325

Individual: $350
Two-person: $700
Family: $1,050

Individual: $375
Two-person: $750
Family: $1,125

Annual Out-of-Pocket Maximum

In-Network:

Individual: $1,550
Two-person: $3,100
Family: $4,650

Out-of-Network*:

Individual: $4,350
Two-person: $8,700
Family: $13,050

In-Network:

Individual: $1,600
Two-person: $3,200
Family: $4,800

Out-of-Network*:

Individual: $4,450
Two-person: $8,900
Family: $13,350

Individual: $1,850
Two-person: $3,700
Family: $5,550

Excludes deductible

Individual: $1,900
Two-person: $3,800
Family: $5,700

Excludes deductible

*Excludes deductible

Higher Point-of-Service (POS) Copayments for Emergency Room Services

Effective January 1, 2016, copayments for emergency room services will increase as shown below.

	Point of Service (POS) Copayments
Feature	2015	2016
Emergency Room — Emergency Use	In-Network and Out-of-Network: You pay $65 copayment/visit (waived if admitted)	In-Network and Out-of-Network: You pay $70 copayment/visit (waived if admitted)
Emergency Room — Nonemergency Use	In-Network and Out-of-Network: Plan pays 75% after you pay $65 copayment/visit	In-Network and Out-of-Network: Plan pays 75% after you pay $70 copayment/visit

Higher Prescription Drug Out-of-Pocket Maximums

Effective January 1, 2016, your prescription drug out-of-pocket maximums will increase as follows:

	Point of Service (POS) and Traditional Indemnity
Feature	2015	2016
*Annual Out-of-Pocket Maximum (in-network retail and mail order)**	In-Network: Retail and mail order: $1,550/individual Out-of-Network: None	In-Network: Retail and mail order: $1,600/individual Out-of-Network: None (No change)

*The deductibles and out-of-pocket maximums for the Prescription Drug Program are separate from the deductibles and out-of-pocket maximums for POS and Traditional Indemnity medical benefits.

Expanded Prescription Drug Coverage Management Programs

Alcatel-Lucent is committed to keeping the cost of your prescription drugs down while providing you with the coverage you need. With this goal in mind, Express Scripts uses a set of coverage management programs to determine how the Prescription Drug Program will cover certain prescription drugs.

Additional coverage management programs were added as of May 1 and August 1, 2015. You will be notified by Express Scripts if you are impacted.

Higher Health Care Flexible Spending Account Annual Contribution Limit

Effective January 1, 2016, you can contribute up to $2,550 per year to a Health Care Flexible Spending Account (HFSA). This is a $50 increase from the current $2,500 annual contribution maximum. There are no changes to the annual contribution maximum for the Dependent Care Flexible Spending Account (DFSA) for 2016.

Other Changes May Apply to HMO Coverage
Unless noted, the changes in this guide do not apply to Health Maintenance Organization (HMO) options. You will need to check the YBR website during the annual open enrollment period or contact the carriers of those options directly for their 2016 plan changes. Carrier contact information is located on the back of your HMO ID card and in the Benefits At-a-Glance and Resource Contact Information booklet.

Other Changes May Apply to HMO Coverage

Unless noted, the changes in this guide do not apply to Health Maintenance Organization (HMO) options. You will need to check the YBR website during the annual open enrollment period or contact the carriers of those options directly for their 2016 plan changes. Carrier contact information is located on the back of your HMO ID card and in the Benefits At-a-Glance and Resource Contact Information booklet.

New Process for Requesting Copies of Annual Open Enrollment Information by Telephone

The easiest and most convenient way to access the information you need to enroll continues to be through the YBR website during the annual open enrollment period. However, if you do not have Internet access, or if you have Internet access but prefer to have a copy of the enrollment information sent to you, you must make your request through the Alcatel-Lucent Benefits Center’s automated system only.

Like YBR, the automated telephone system is easy and convenient to use, and it is available 24/7. Starting September 28, just follow these three simple steps:

Call the Alcatel-Lucent Benefits Center at 1-888-232-4111.
When prompted, enter the last four digits of your Social Security Number and your date of birth (mm-dd-yyyy). (In a few cases, you may also be prompted to enter your ZIP code.) No password required!
Anytime during the "It's Annual Enrollment time!" greeting, say "Annual Enrollment" and then say:
- "Request enrollment kit" to request a copy of your annual open enrollment kit; or
- "Send enrollment confirmation" to request a copy of your default coverage record (that is, a record of the coverage that is currently on file with the Alcatel-Lucent Benefits Center and that will be in place for you on January 1, 2016 if you do not make any changes during annual open enrollment).

The copy(ies) that you have requested will be mailed to your address on file within seven to 10 business days.

Note that if you have signed up to receive communications from the Alcatel-Lucent Benefits Center electronically, the copy of your default coverage record will be sent to your Secured Participant Mailbox on YBR within one business day. Annual open enrollment kits are always sent via U.S. Postal mail.

New This Year If You Enroll Online — Enhanced Online Enrollment Confirmation Statements

Good news! We have upgraded the enrollment confirmations that are emailed to you after you enroll online via YBR.

Your enhanced enrollment confirmation will automatically be emailed to you, if you have a preferred email address on file. Your confirmation will show all your benefit elections as well as their monthly costs.

Healthcare Reform Update for 2016

The Affordable Care Act (healthcare reform law) continues to bring big changes to the U.S. healthcare system.

As a reminder, in accordance with the Affordable Care Act, if you are not eligible for Medicare, you have an alternate source from which to purchase health insurance: the health insurance marketplace that is available in your area.

You may wish to compare your Alcatel-Lucent health coverage with the coverage available through the marketplace. For the most current information about the health coverage available through the marketplace, please visit HealthCare.gov. The Alcatel-Lucent Benefits Center cannot answer any questions about marketplace coverage.

If you enroll in health coverage through the marketplace instead of through Alcatel-Lucent, you may not be able to enroll in Alcatel-Lucent coverage in the future. Please refer to the SPD for information on when you can make changes to your coverage.

The Affordable Care Act does not permit persons who are eligible for Medicare to buy health insurance through the health insurance marketplace.

Help Us Go Green(er)!
As part of our corporate commitment to the environment, we will continue to provide more of your benefits information online instead of in print. So if you have not yet signed up to receive communications from the Alcatel-Lucent Benefits Center electronically, please take a few moments to do so now. You do not need to wait until annual open enrollment to choose this option. Just log on to the YBR website anytime. Select “Your Profile” and click “Personal Information.” Follow the steps to provide your preferred email address and update your preferred method of delivery.

Help Us Go Green(er)!

As part of our corporate commitment to the environment, we will continue to provide more of your benefits information online instead of in print. So if you have not yet signed up to receive communications from the Alcatel-Lucent Benefits Center electronically, please take a few moments to do so now.

You do not need to wait until annual open enrollment to choose this option. Just log on to the YBR website anytime. Select “Your Profile” and click “Personal Information.” Follow the steps to provide your preferred email address and update your preferred method of delivery.

¹Includes active employees; employees on a leave of absence (LOA), Short Term Disability (STD) or workers' compensation; and COBRA participants.