Alcatel-Lucent

What Is Default Coverage?

Your default coverage is the Alcatel-Lucent health and welfare benefits coverage you and your covered dependent(s) will be automatically enrolled in for 2016 if you do not take any action during the annual open enrollment period. Because your default coverage for 2016 may in some cases be different than your 2015 coverage, it is your responsibility to confirm that your 2016 default coverage shown on the YBR website during the annual open enrollment period is the coverage that you want for 2016.

You can find your default coverage on the YBR website. This information is available to view on the YBR website from Monday, September 28, 2015 at 9:00 a.m., ET, through Friday, October 16, 2015 at 5:00 p.m., ET, when the annual open enrollment period ends.

If you would like to have a record of your default coverage sent to you, please follow the instructions outlined in “New Process for Requesting Copies of Annual Open Enrollment Information by Telephone” in the “What's Changing for 2016” section.

Do You Need to Take Action?

You may already be enrolled in the right coverage for yourself and your family and may not need to take any action during the annual open enrollment period. However, you will need to take action to:

Choose coverage other than your default coverage;
Add² or remove dependent(s) from coverage;
Enroll in a Point of Service (POS) medical option, if a POS option is not shown as an available option on the YBR website and you are eligible to enroll in a POS option; and/or
Make any other changes to your 2016 health and welfare benefits coverage.

If you do not take action during the annual open enrollment period, you will receive the default coverage shown on the YBR website during the annual open enrollment period.

²Make sure your dependents are eligible under Alcatel-Lucent’s eligibility rules before you add them to your coverage. You can view eligibility rules on the YBR website or the BenefitAnswers Plus website. You will be asked to verify the eligibility of the dependent(s) you enroll for coverage.

Thinking of Opting Out of Medical and/or Dental Coverage?

During the Annual Open Enrollment Period

You have the option to opt out of your coverage during the annual open enrollment period on the YBR website, regardless of your Medicare eligibility.
When you opt out of medical (which includes prescription drug) coverage, you can still keep your dental coverage, and vice versa.
You may be eligible to opt back in to medical (which includes prescription drug) coverage and/or dental coverage without the requirement of a physical during a future annual open enrollment period or if you have a qualified status change.

Outside of the Annual Open Enrollment Period

You can drop coverage at any time during the year.
When you drop medical (which includes prescription drug) coverage, you can still keep your dental coverage, and vice versa.
You will only be able to re-enroll during a future annual open enrollment period or if you have a qualified status change.
To drop coverage outside of the annual open enrollment period:
- If you are not eligible for Medicare — Call the Alcatel-Lucent Benefits Center.
  - Important: If you enroll in Alcatel-Lucent health coverage during annual open enrollment and later decide to enroll in marketplace coverage for 2016 during the marketplace open enrollment period (November 1, 2015 – January 31, 2016), you can drop your Alcatel-Lucent coverage for 2016. See “Healthcare Reform Update for 2016” for more information.
- If you are Medicare-eligible — Call the Alcatel-Lucent Benefits Center.
  - Remember: Enrolling in a private insurer’s Medicare Part C or Medicare Part D option outside of the Alcatel-Lucent Plan does not automatically disenroll you from Alcatel-Lucent medical (which includes prescription drug) coverage. Your enrollment in Alcatel-Lucent coverage is regulated by CMS, so you will be notified by the Alcatel-Lucent Benefits Center of the earliest possible effective date for disenrollment (based on CMS guidelines). Please note that if you disenroll from medical coverage, you will also be disenrolled from prescription drug coverage. For more information about Medicare, see “What You Need to Know About Medicare.”

Notes:
Before you drop coverage for any plan, please refer to the applicable plan SPD to understand the consequences and determine whether you will be eligible to re-enroll in that plan. If you drop coverage for any reason at any time, you may be required to complete forms, depending on the city and/or state in which you live.

Notes:

Before you drop coverage for any plan, please refer to the applicable plan SPD to understand the consequences and determine whether you will be eligible to re-enroll in that plan.

If you drop coverage for any reason at any time, you may be required to complete forms, depending on the city and/or state in which you live.

Note for Survivors in the Family Security Program (FSP)
You are not eligible to add new dependents to medical coverage at any time. If you drop or lose Alcatel-Lucent medical coverage for any reason, you can never re-enroll.

Note for Survivors in the Family Security Program (FSP)

You are not eligible to add new dependents to medical coverage at any time.

If you drop or lose Alcatel-Lucent medical coverage for any reason, you can never re-enroll.

¹Includes COBRA participants and survivors in the Family Security Program (FSP).