Retiree Medical Plan

Retiree 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.

You may choose from different types and levels of coverage, and depending on your coverage option, you also receive certain covered preventive medical services.

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

To learn how your company coverage coordinates with Medicare, review Medicare and Your Nokia Coverage .

Eligibility

You’re an eligible retiree if you’re a former employee who is eligible to receive a service or disability pension. Review the Medical Expense Plan Summary Plan Description (SPD) for details.

Eligible Dependents

If you’re an eligible retiree, you can enroll your eligible dependents. New class II dependents may not be enrolled in coverage at any time. Review Defining Eligible Dependents for more information.

Coverage Options and Costs

Coverage Options

If You Are Not Eligible for Medicare
You may choose from the following coverage options:

  • Point of Service (POS) through UnitedHealthcare;
  • Traditional Indemnity through UnitedHealthcare (if you do not live in a POS service area); or
  • Health Maintenance Organization (HMO).

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 details, 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.

If you’re not Medicare-eligible and your dependent becomes Medicare-eligible, you and your eligible dependents can remain in a POS option. However, a level of Traditional Indemnity benefits will be paid for your Medicare-eligible dependents.

Additionally, if you’re not eligible for Medicare and a POS option is not listed as a coverage option for you when you enroll, you may still be able to enroll in a POS option if you are comfortable with the distance between you and the doctors and hospitals who participate in the POS network. If this situation applies to you, call the Nokia Benefits Resource Center to discuss the possibility of enrolling in a POS option.

If You Are Eligible for Medicare

You may choose from the following coverage options:

  • UnitedHealthcare® Group Medicare Advantage (PPO);
  • Traditional Indemnity through UnitedHealthcare; or
  • Medicare Health Maintenance Organization (Medicare HMO).

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. Review the current Benefits At-a-Glance and Resource Contact Information in the annual open enrollment section of this website and/or Medicare and Your Nokia Coverage, or contact the carrier for information on the specific coverage options that may be available to you and your Medicare-eligible dependent(s).

If you are eligible to enroll in a Medicare HMO, contact the Medicare HMO directly for details about its covered services and supplies. Medicare 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.

Costs

You may pay a portion of the cost for coverage. (Note that any premiums you pay for retiree medical coverage include the cost of retiree dental coverage.) Certain retirees and dependents are also eligible to receive reimbursement for Medicare Part B premiums. To find out if you are eligible, review the Medical Expense Plan SPD or call the Nokia Benefits Resource Center. For your specific costs, visit the YBR website.