Retiree Prescription

Administered by Express Scripts, prescription drug coverage includes medically necessary drugs and medicines prescribed by your or your covered dependent’s doctor on an outpatient basis.

You’re automatically enrolled in prescription drug coverage if you are enrolled in:

  • Point of Service (POS);
  • Traditional Indemnity; or
  • UnitedHealthcare Group Medicare Advantage (PPO).

Review the Medical Expense Plan Summary Plan Description (SPD) for details.

Please note: If you receive mail or phone calls directly from Express Scripts during the year, don’t disregard them! Express Scripts may be reaching out to you with money-saving opportunities and special programs.

If you enroll in Health Maintenance Organization (HMO)/Medicare HMO, prescription drug coverage may be provided through the option. Contact the HMO/Medicare HMO directly for information. HMO/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.

Note: If you’re eligible for Medicare, you can’t participate in both Medicare Part D and Nokia-sponsored retiree prescription drug coverage at the same time. If you enroll in Medicare Part D, your Nokia-sponsored retiree prescription drug coverage will end. You may re-enroll in Nokia-sponsored retiree prescription drug coverage after you have disenrolled from Medicare Part D.

How Prescription Drug Coverage Works

You can fill prescriptions three ways:

  • At a participating retail pharmacy;
  • At a nonparticipating retail pharmacy; or
  • By mail order (through the Express Scripts Pharmacy).

To find a participating pharmacy, visit the Express Scripts website, or call 1-800-336-5934, 24 hours a day, seven days a week, except on Thanksgiving and Christmas.

For Short-Term Prescriptions (Up to a 30-Day Supply)
You can fill short-term prescriptions (up to a 30-day supply) at a participating (or nonparticipating) retail pharmacy. However, your prescription drug copayment will double after the third time you receive up to a 30-day supply of a maintenance medication at an in-network retail pharmacy.

For example, if you are receiving a formulary drug for high blood pressure, you will pay a $90 copayment (2 x $45 = $90) for up to a 30-day supply the fourth time you try to fill the prescription at a retail pharmacy. If you use the Express Scripts Pharmacy to fill your prescription, you can get up to a 90-day supply for only $112.50. (See below for information about the Express Scripts Pharmacy.)

If You Use a Nonparticipating Retail Pharmacy

When you use a nonparticipating retail pharmacy to fill a prescription, you pay the entire cost at the time of purchase. You will then need to file a claim with Express Scripts to receive reimbursement for a percentage of the cost.

For Maintenance Medications (Up to a 90-Day Supply)
To fill prescriptions for any medications you or your covered dependents use on an ongoing basis, such as those used to treat high blood pressure or cholesterol, use the Express Scripts Pharmacy (the mail-order service). You can order up to a 90-day supply each time at a lower cost than three 30-day supplies at retail.

To get started using the mail-order feature, visit the Express Scripts website or call 1-800-336-5934, 24 hours a day, seven days a week, except on Thanksgiving and Christmas.

To Learn More About Your Pharmacy Benefits
Listen to this recording.


Prescription drug coverage premiums are included as part of the medical coverage premiums you may pay. Your out-of-pocket costs vary depending on how you choose to fill your prescriptions. For instance, if you purchase a brand-name drug when a generic equivalent is available, you will pay the generic copayment, plus the difference in cost between the brand-name and generic drug.

Please note that deductibles and out-of-pocket maximums are in addition to any that you may be required to pay under your retiree medical coverage option. For your specific costs, visit the YBR website.

Other Important Cost Information

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. These programs may review some or all of the following information:

  • The diagnosis or condition for which the prescription drug is being prescribed;
  • Dosing and/or duration of therapy;
  • Patient drug history for prior and simultaneous medication use; and/or
  • Age and gender of the patient. 

Coverage Review
For some prescription drugs, you must obtain approval through a coverage review in order for the medication to be covered. A coverage review is performed to determine whether your use of the drug qualifies for coverage under the Prescription Drug Program’s current criteria. You, your doctor or your pharmacist may request a coverage review by calling Express Scripts at 1-800-366-5934. After contacting Express Scripts, your doctor will be sent a Coverage Management Review Fax Form to fill out and send back to Express Scripts at the fax number indicated on the form. Express Scripts will send you and your doctor a letter confirming whether or not coverage is approved (usually within two business days of receiving the necessary information). If coverage is approved, you will pay your normal copayment for the medication. If coverage is not approved, you will be responsible for 100% of the cost of the medication. However, you or your representative may appeal this decision within 180 days of the receipt of this notice.

Lower-Cost Prescription Drug Alternatives Are Often Available

Express Scripts offers a number of helpful programs and resources to help you manage your prescription drug costs. For example, My Rx Choices by Express Scripts is a complimentary program designed to help you find lower-cost options to the medications you take on an ongoing basis.

If you have not yet registered as a member on the Express Scripts website, you will need to register. You can also access My Rx Choices by calling 1-800-319-7750.