Medical coverage, which includes mental health and chemical dependency and prescription drug coverage, helps you pay the cost of covered medical expenses for the treatment of an injury or illness.

Medical and mental health and chemical dependency coverage is administered by your medical carrier. Prescription drug coverage is administered separately.

Please note: Free, confidential, 24/7 assistance for medical and behavioral health issues is available to you and your household members through the Employee Assistance Program (EAP), whether or not you are enrolled in Nokia medical coverage.


As a represented employee, you’re eligible for coverage on your date of hire. Review the Medical Expense Plan Summary Plan Description (SPD) for details.

If You Are Eligible for Coverage Under Another Medical Plan

If you are eligible for coverage under more than one medical plan — for example, if your spouse can cover you under his or her employer’s plan — it may not mean that you will receive more benefits. Most plans coordinate benefits, meaning your total benefit is limited to what you would receive under the plan with the highest coverage level. For more information on how coordination of benefits works, review the Medical Expense Plan SPD or contact the carrier.

Eligible Dependents

If you’re an eligible employee, you can enroll your eligible dependents. Review Defining Eligible Dependents for details.

Note: If you enroll for coverage in a Health Maintenance Organization (HMO; see “Coverage Options” below), some states vary in their age requirements and definitions of an eligible dependent. Contact the HMO provider directly with questions. HMO contact information is listed on the back of your medical ID card (if you are enrolled) and on the Your Benefits Resources™ (YBR) website.

Coverage Options and Costs

When you enroll in medical coverage, you need to choose a coverage category and provide information about the eligible dependents you want to cover. If you don’t enroll in medical coverage when you are first eligible, you alone will be assigned coverage.

Coverage Options

You may choose from the following coverage options (based on the service areas and your home ZIP code):

  • Point of Service (POS) through UnitedHealthcare;
  • Traditional Indemnity through UnitedHealthcare; and
  • HMOs.

While all of the options cover many of the same services and supplies, there are differences in how you access care and how you pay for that care. For more information about your medical coverage options, review the current Benefits At-a-Glance and Resource Contact Information in the annual open enrollment section of this website or contact the carrier.

If you enroll in an HMO, contact the HMO directly for details about its covered services and supplies. HMO contact information is listed on the back of your medical ID card (if you are enrolled) and on the YBR website.

Note: If you are enrolled in medical coverage, you are automatically enrolled in dental coverage.

Waiving Coverage
If you have medical coverage elsewhere, you can elect to decline the company’s medical coverage. You can opt back in to coverage during a future annual open enrollment period or if you have a qualified status change.

Coverage Categories
You can choose from three coverage categories, depending on the number of dependents that you enroll:

  • Individual;
  • Two-person; or
  • Family.

These coverage categories include domestic partners and children of domestic partners.


You pay a portion of the cost of medical coverage with before-tax deductions from your paycheck. (The cost of dental coverage is included in the cost of your medical coverage.) For your specific costs, visit the YBR website.