Nokia

Watch for new medical and prescription drug member ID cards. You will receive new member ID cards from your medical (UnitedHealthcare) and prescription drug (Express Scripts) carriers by January 1, 2017. If you have not received your new card(s) by January 1, you may print them out from the applicable carrier’s website(s): www.myuhc.com and/or www.express-scripts.com.
- Note: Aetna does not issue dental member ID cards; members do not need to present an ID card to receive services under the dental plan. However, if you would like to have a member ID card, you can print one out from www.aetna.com.
Is a POS option not listed as a coverage option on the YBR website? You may live in an area with limited access to doctors and hospitals in a POS network. If a POS option is not shown as an available option on the YBR website, you can still enroll in a POS option if you are comfortable with the distance between you and POS network doctors and hospitals. If you are currently enrolled in a POS option for 2016 under these circumstances, your POS coverage will not automatically carry over to 2017. You must take action to re-enroll.
- If you are eligible to enroll in a POS option for 2017 and it is not listed as a coverage option on the YBR website, call the Nokia Benefits Resource Center at 1-888-232-4111 during the annual open enrollment period to enroll.
Looking for an in-network UnitedHealthcare POS provider? Use the information below when looking for an in-network POS provider on the UnitedHealthcare website (remember, you can also find in-network providers using the YBR website):
- On www.myuhc.com, click on “Find Physician, Laboratory or Facility” and then choose your plan: if you live in Maine, Massachusetts or New Hampshire, choose “UnitedHealthcare Choice Plus with Harvard Pilgrim”; if you live in any other state, choose “UnitedHealthcare Choice Plus.”
Manage your health with Rally^®. Your UnitedHealthcare medical plan option gives you access to Rally, a user-friendly digital experience on myuhc.com^® that will engage you in a new way by using technology, gaming and social media to help you understand, learn about and support you on your health journey. Rally offers personalized recommendations to help you and your covered family members make healthier choices and build healthier habits, one small step at a time. You can access Rally at www.myuhc.com from your computer, tablet or smartphone anytime.
Need help coping with stress, family pressures, money issues or work demands? Reach out to the Employee Assistance Program (EAP). The EAP offers you and your immediate family members free, confidential, 24/7 assistance for a wide range of medical and behavioral health issues, such as emotional difficulties, alcoholism, drug abuse, marital or family concerns, and other personal and life issues. To speak with a counselor, call Magellan at 1-800-327-7348 or visit www.magellanhealth.com/member.
Keep in mind: Changes in your doctor’s or healthcare provider’s network participation are not considered qualified status changes. Medical carriers’ contracts with network providers may expire at any time during the year. You cannot make changes to your coverage and/or add/drop dependents outside of the annual open enrollment period due to these types of changes. Visit the BenefitAnswers Plus website for more information about qualified status changes.
Are you dropping a dependent from coverage? Here is what you should know about COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended). COBRA is not offered to dependents removed from coverage during the annual open enrollment period. If your dependent is experiencing a qualified status change and you remove him or her from your coverage during the annual open enrollment period, your dependent will not be eligible for COBRA continuation coverage. For a dependent to be eligible for COBRA, you must remove the dependent experiencing a qualified status change through the “Life Events” section on the YBR website (or by calling the Nokia Benefits Resource Center) within 31 days of the qualified status change.
Thinking of opting out of coverage?
- You have the option to opt out of your Nokia coverage.
- If you are a full-time, active employee or a full-time employee on a leave of absence and you are not a Communication Service Installer (CSI), when you opt out of Nokia medical (which includes prescription drug) coverage, you are also opting out of Nokia dental coverage, and vice versa. Otherwise, your medical (which includes prescription drug) coverage and dental coverage are not “bundled.” Opting out of one coverage will not affect your enrollment in the other.
- You may be eligible to opt back in to Nokia medical (which includes prescription drug) coverage and Nokia dental coverage without the requirement of a physical during a future annual open enrollment period or if you have a qualified status change.
- You may be required to complete additional forms, depending on the city and/or state where you live.
- Important: Before you drop coverage for any plan, please refer to the applicable plan’s SPD to understand the consequences and determine whether you will be eligible to re-enroll in that plan.
Enrollment for certain voluntary benefits coverage (vision, legal and health advisory services) takes place at the same time as the annual open enrollment period for your Nokia health and welfare benefits. This is different than the situation for your other voluntary benefits — identity theft protection services, auto and home insurance and pet insurance (a new benefit for 2017) — in which you may add or drop coverage anytime during the year. As a reminder, Nokia does not make any endorsement of or representation regarding any product or service provided under this program. Note also that the enrollment information in this guide does not apply to your voluntary benefits. For information about voluntary benefits or to enroll, visit www.addedbenefitsaccess.com or call Added Benefits at 1-800-622-6045.
Attention COBRA participants: Less expensive health coverage options may be available to you. In accordance with the Affordable Care Act (ACA; healthcare reform), if you are not eligible for Medicare, you have the option to buy health insurance from an alternate source: the health insurance marketplace in your area.
- You may wish to compare your Nokia health coverage with the coverage available through the marketplace. For the most current information about marketplace coverage, please visit HealthCare.gov. The Nokia Benefits Resource Center cannot answer any questions about marketplace coverage.
- Note: If you enroll in health coverage through the marketplace instead of through Nokia, you may not be able to enroll in Nokia coverage in the future. Please refer to the plan’s SPD for information on when you can make changes to your coverage.
See the value of your health coverage. The ACA requires that employers disclose the value of the employer-provided benefit for health insurance coverage on each participant’s Form W-2. You should expect to receive your 2016 Form W-2 no later than January 31, 2017.
You may receive the ACA-required Form 1095-C to keep for your tax records. The ACA requires that employers provide Form 1095-C to certain (but not all) plan participants each year. The form serves as proof that you met the ACA’s requirement for having qualifying healthcare coverage during the year. If this applies to you, you should expect to receive your 2016 Form 1095-C no later than January 31, 2017.
Want to see a summary of your health plan option’s benefits and coverage? The ACA requires that employers provide participants with a Summary of Benefits and Coverage (SBC) in order to compare health plan options when making decisions and enrolling in coverage. SBC(s) for the health plan option(s) you are eligible for will be available on the YBR website beginning on October 10, 2016.
Be sure your beneficiaries are up to date. Take care of the people who matter most. Use this annual open enrollment opportunity to review, add or update your beneficiary designation(s) on file. Visit the BenefitAnswers Plus website for information.
Review your permanent address on file. As a reminder, the Nokia Benefits Resource Center recognizes your permanent address on file as your mailing address. Please be sure to keep it current.

How to Request 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 Nokia Benefits Resource Center’s automated system only.

Like YBR, the automated telephone system is easy and convenient to use. Starting October 10, 2016, just follow these three simple steps:

Call the Nokia Benefits Resource 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). (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:
- To request a copy of your annual open enrollment kit, say “request enrollment kit,” or
- To request a copy of your default coverage record, say “send enrollment confirmation.” Your default coverage record is a record of the coverage that is currently on file with the Nokia Benefits Resource Center and that will be in place for you on January 1, 2017 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 Nokia Benefits Resource 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 US Postal Service mail.

^*Includes active employees; employees on a leave of absence (LOA) or Short Term Disability (STD); and COBRA participants.