(This section constitutes a Summary of Material Modifications [SMM] to the Summary Plan Description [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
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.
If you retired on or after March 1, 1990, your costs for medical coverage, which are calculated as a percentage of your pension, will increase for 2017. The amount of your increase for 2017 is based on whether or not you cover any dependents and whether or not you are eligible for Medicare.
If you retired prior to March 1, 1990, are eligible for Medicare and elect the Traditional Indemnity option, you will pay a monthly contribution in 2017.
If you retired prior to March 1, 1990, are eligible for Medicare and enroll in the UnitedHealthcare® Group Medicare Advantage (PPO) option, you will not pay a monthly contribution in 2017.
Review the YBR website during the annual open enrollment period for your 2017 contribution costs.
Effective January 1, 2017, the annual medical deductibles for these options will increase as follows:
| Medical Option | 2016 | 2017 |
|---|---|---|
| UnitedHealthcare Group Medicare Advantage (PPO) | $250 | $275 |
| Traditional Indemnity | 2.5% of annual pension | 3.0% of annual pension |
Effective January 1, 2017, your in-network prescription drug copayments will increase as follows:
| Feature (In-network) | 2016 | 2017 |
|---|---|---|
| Retail Copayments (up to a 30-day supply using an in-network pharmacy) |
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| Mail-Order Copayments (up to a 90-day supply) |
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Effective January 1, 2017, the POS and Traditional Indemnity options 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 POS and Traditional Indemnity options.
When you or a family member does not feel well, 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 (POS or Traditional Indemnity) or www.UHCRetiree.com/nokia (UnitedHealthcare Group Medicare Advantage [PPO]) 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 under the POS and Traditional Indemnity options.
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, 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.
Back to topAs a reminder, in accordance with the Affordable Care Act (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 should compare your Nokia health coverage with the coverage available through the marketplace. Many participants not eligible for Medicare may find marketplace coverage to be more affordable than medical coverage offered through Nokia.
If you enroll in Nokia health coverage during annual open enrollment and later decide to enroll in marketplace coverage for 2017 during the marketplace open enrollment period (November 1, 2016 – January 31, 2017), you can drop your Nokia coverage. But keep in mind: If you drop Nokia coverage, Nokia medical, dental and prescription drug coverage for all members of your family will end, including those eligible for Medicare.
You must call the Nokia Benefits Resource Center by December 31, 2016, to drop your Nokia coverage that would be effective as of January 1, 2017. If you call after December 31, your coverage will be dropped as of the first of the month following the date you call. (Note that the effective date that your coverage will be dropped may differ if your medical option requires a disenrollment form.)
The effective date for marketplace coverage will depend on when it is purchased, as described on HealthCare.gov. Please visit HealthCare.gov for the most current information about health coverage available through the marketplace. 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.
The Affordable Care Act does not permit persons who are eligible for Medicare to buy health insurance through the health insurance marketplace. If you are eligible for Medicare and do not want to enroll in Nokia coverage, you may buy Medicare supplemental insurance on your own (for example, from an insurance company, broker or other resource that offers Medicare supplement plans).
*Including Long Term Disability (LTD) and COBRA participants and survivors in the Family Security Program (FSP).