(This section constitutes a Summary of Material Modifications [SMM] to the Summary Plan Descriptions [SPDs] of the health and welfare benefit plans described herein.)
The following changes to benefits coverage under the Nokia health and welfare benefit plans (the “Plans”) will take effect on January 1, 2017.
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 2017 coverage changes. You can find carrier contact information on the back of your HMO ID card and in the Benefits At-a-Glance and Resource Contact Information booklet.
Review the YBR website during the annual open enrollment period for your 2017 contribution costs.
Effective January 1, 2017, copayments for emergency room services will increase as follows:
| Point of Service (POS) Copayments* | ||
|---|---|---|
| Feature | 2016 | 2017 |
| Emergency Room — Emergency Use | In-Network and Out-of-Network: You pay $70 copayment/visit (waived if admitted) | In-Network and Out-of-Network: You pay $75 copayment/visit (waived if admitted) |
| Emergency Room — Nonemergency Use | In-Network and Out-of-Network: Plan pays 75% after you pay $70 copayment/visit | In-Network and Out-of-Network: Plan pays 75% after you pay $75 copayment/visit |
*Where coverage is expressed as a percentage, it is a percentage of the provider’s contracted rate (for in-network services) or of the reasonable and customary (R&C) fee (for out-of-network services).
Effective January 1, 2017, the plan expressly covers Applied Behavior Analysis (ABA) therapy for eligible dependents age 11 and under with a primary diagnosis of autism spectrum disorder. Coverage is at the in-network, outpatient, mental health rate and is subject to pre-certification requirements. For eligible dependents age 12 and older, support is available to help you navigate community, state, federal and educational resources.
For more information, contact UnitedHealthcare®’s Optum Advocate at 1-800-577-8539 (POS) or 1-800-577-8567 (Traditional Indemnity) after January 1, 2017. Except as provided above, effective January 1, 2017, ABA therapy is expressly excluded from coverage under the plan.
When you do not feel well or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Effective January 1, 2017, your UnitedHealthcare medical plan option will offer a new alternative: virtual visits. A virtual visit lets you see and talk to a doctor from your mobile device or computer without an appointment. Most visits take about 10 − 15 minutes. Use virtual visits when your doctor is not available, you become ill while traveling or you are considering visiting a hospital emergency room for a non-emergency condition. Visit www.myuhc.com to learn about virtual visits.
Nokia 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.
Updates to the coverage management program were made as of July 1, 2016. Express Scripts will notify you if this program applies to you.
Effective January 1, 2017, you will have new $20,000-per-child options for both of these coverages. You will not need to provide evidence of insurability (EOI) for any level of child life and/or child accidental loss insurance coverage you elect.
Effective January 1, 2017, you will pay for any supplementary accidental loss, spouse accidental loss or child accidental loss insurance coverage you elect through after-tax payroll deductions. (You currently pay for this coverage with before-tax deductions.)
As a result of this change, you do not need to experience a qualified status change or wait until the next annual open enrollment period to change your coverage. Starting January 1, 2017, you may add, drop, increase or decrease any of these coverages anytime during the year.
For group universal life participants: Effective January 1, 2017, Estate Resolution Services will be an added feature. This service covers attorney fees for probating the estate of the insured when using a participating plan attorney. The service also provides advice and in-person and telephone consultations for beneficiaries. More information regarding this program will be provided at a later date.
Help Us Go Green(er)!
As part of our 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 Nokia Benefits Resource 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.
*Includes active employees; employees on a leave of absence (LOA) or Short Term Disability (STD); and COBRA participants.