Alcatel-Lucent

Medical Option-Specific Reminders

Concerning the POS and Traditional Indemnity Options

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 and you are not eligible for Medicare, 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. Please note: POS options are not available to survivors in the Family Security Program (FSP).
Looking for an in-network UnitedHealthcare POS provider? Use the information below when you are 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.”
Enrolled in the Traditional Indemnity option and have questions about Other Covered Charges (OCC) coverage? Check out the OCC FAQs on the BenefitAnswers Plus website at www.benefitanswersplus.com.
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.

Concerning the UnitedHealthcare Group Medicare Advantage (PPO)

Re-enrolling, or enrolling in the UnitedHealthcare Group Medicare Advantage (PPO) for the first time? CMS requires that you provide a street address, and not a P.O. Box, in order to process your enrollment in this option. Note that after annual open enrollment ends, UnitedHealthcare will mail additional information, along with new member ID cards, to all UnitedHealthcare Group Medicare Advantage (PPO) members for 2017. (Your plan number will not change.)

General Reminders

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. 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.
You are eligible to participate in the Vision Discount Program, as one of the “voluntary benefits” offered by Added Benefits. As a Nokia retiree, you can enjoy discounts on a wide variety of eye care services, including comprehensive eye exams, eyeglasses, contact lenses and LASIK surgery at participating providers. The Vision Discount Program is available to you at no cost, and enrollment is not required. Note that Nokia does not make any endorsement of or representation regarding any product or service provided under this program. To learn more or to print your Vision Discount Program ID card, visit www.addedbenefitsaccess.com. You can also call Added Benefits at 1-800-622-6045.
You may also be eligible for additional voluntary benefits ― identity theft protection services, auto and home insurance and pet insurance (a new benefit for January 1, 2017). You can enroll in or drop these coverages 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 that the enrollment information in this guide does not apply to your voluntary benefits. To learn more or to enroll, visit www.addedbenefitsaccess.com or call Added Benefits at 1-800-622-6045.
Do you receive a Form W-2? The Affordable Care Act (ACA; healthcare reform) requires that employers disclose the value of the employer-provided benefit for health insurance coverage on each participant’s Form W-2.
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. Employers must provide forms for the 2016 tax year to participants, as applicable, no later than January 31, 2017.
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.

*Including Long Term Disability (LTD) and COBRA participants and survivors in the Family Security Program (FSP).