Elimination of Retiree Medical and Dental Coverage for Certain Retirees Who Are Not Eligible for Medicare

Note: The information below concerns the effect of a change to your eligibility for or enrollment in Nokia retiree medical and/or dental coverage only. The change will not affect any eligibility you may have for or enrollment in Nokia active medical and/or dental coverage through COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended).

Effective January 1, 2017, Nokia will no longer offer retiree medical and dental coverage to certain retirees who are not eligible for Medicare, nor to such retirees’ dependents. Also effective January 1, 2017, Nokia will no longer offer retiree medical and dental coverage to any non-Medicare-eligible dependents of certain Medicare-eligible retirees.

The effects of these changes on you and your dependents will depend on your personal situation, as follows.

• If you are a retiree who retired before March 1, 1990 regardless of your Medicare eligibility (excluding any AGCS or former Alcatel retirees)
  • You and your dependents are not affected by these changes.
  • You and any dependents will remain eligible for retiree medical and dental coverage regardless of Medicare eligibility ― provided that Nokia continues to offer such coverage and provided further that you and your dependents continue to meet the eligibility criteria for such coverage.
• If you are an Alcatel-Lucent retiree who retired on or after March 1, 1990 and are Medicare-eligible as of January 1, 2017, or if you are any AGCS or former Alcatel retiree regardless of your retirement date, and are Medicare-eligible as of January 1, 2017
  • You and your Medicare-eligible dependents are not affected by these changes.
  • However, effective January 1, 2017, Nokia will no longer offer retiree medical and dental coverage to your dependents who are not eligible for Medicare as of that date.
  • If you are enrolled in retiree medical and/or dental coverage, coverage for your dependents who are not eligible for Medicare will end on December 31, 2016. Retiree medical and/or dental coverage for any non-Medicare eligible dependents through COBRA will not be available.
  • As a result, you might wish to look to other sources for healthcare coverage for your non-Medicare-eligible dependents for 2017 and later. Sources include their employer(s) or former employer(s) (if available), the health insurance marketplace in your area and the individual insurance market.
  • Your Class II dependents will never regain eligibility for Nokia retiree medical coverage at any time in the future. However, your Class I dependents may regain eligibility for retiree medical and dental coverage when they become Medicare-eligible after January 1, 2017.
  • Your Class I dependents’ qualifications for regaining eligibility for retiree medical and dental coverage when they become Medicare-eligible after January 1, 2017 will depend on whether Nokia continues to offer such coverage and on whether you are enrolled and your Class I dependents meet the eligibility criteria for such coverage at that time. Under the 2017 plan design, if you are enrolled in Nokia-provided retiree medical and/or dental coverage when your non-Medicare-eligible Class I dependents become eligible for Medicare, you can enroll them in Nokia retiree medical and/or dental coverage during any annual open enrollment period, for coverage for the following calendar year.
  • To learn more about eligible dependents, see the Your Benefits Resources website.
• If you are an Alcatel-Lucent retiree who retired on or after March 1, 1990 and are not Medicare-eligible as of January 1, 2017, or if you are any AGCS or former Alcatel retiree regardless of your retirement date, and are not Medicare-eligible as of January 1, 2017
  • Effective January 1, 2017, Nokia will no longer offer retiree medical and dental coverage to you or any of your dependents, regardless of the Medicare eligibility of your dependents.
  • If you are enrolled in retiree medical and/or dental coverage, coverage for you and your dependents will end on December 31, 2016. Retiree medical and/or dental coverage for you and any dependents through COBRA will not be available.
  • As a result, you and any dependents will need to look to other sources for healthcare coverage for 2017 and later.
    • For you and any non-Medicare-eligible dependents: Sources include coverage through your or your dependent’s(s’) employer(s) or former employer(s) (if available), the health insurance marketplace in your area and the individual insurance market.
    • For any Medicare-eligible dependents: Sources include coverage through their employer(s) or former employer(s) (if available) and Medicare supplemental insurance from an insurance company, broker or other resource that offers Medicare supplement plans. The Affordable Care Act (healthcare reform) does not permit Medicare-eligible individuals to buy health insurance through the health insurance marketplace.
  • You may regain eligibility for Nokia-provided retiree medical and dental coverage when you become Medicare-eligible after January 1, 2017. Your Class I dependents may also regain eligibility for Nokia retiree medical and dental coverage when they become Medicare-eligible after January 1, 2017. However, your Class II dependents will never regain eligibility for Nokia retiree medical coverage at any time in the future.
  • Your (and your Class I dependents’) qualifications for regaining eligibility for Nokia-provided retiree medical and dental coverage when you (and they) become Medicare-eligible after January 1, 2017 will depend on whether Nokia continues to offer such coverage and on whether you and your Class I dependents meet the eligibility criteria for such coverage at that time.
  • Under the 2017 plan design, you will receive an enrollment package approximately three months before you become Medicare-eligible. That will be your opportunity to re-enroll in Nokia retiree medical and/or dental coverage for yourself and your eligible Medicare-eligible dependents. If you are enrolled in Nokia-provided retiree medical and/or dental coverage and your non-Medicare-eligible Class I dependents become eligible for Medicare, you can enroll them in Nokia retiree medical coverage during any annual open enrollment period, for coverage for the following calendar year.
  • To learn more about eligible dependents, see the YBR website.

Please note: If you and/or your dependents are affected by these changes, a notice providing additional detail has already been mailed to you at your address on file.

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Elimination of Retiree Medical Coverage for Non-Medicare-Eligible Survivors of Retirees

Effective January 1, 2017, Nokia will no longer offer retiree medical coverage under the Family Security Program (FSP) to survivors who are not eligible for Medicare, nor to such survivors’ dependents. Also effective January 1, 2017, Nokia will no longer offer retiree medical coverage under the FSP to any non-Medicare-eligible dependents of Medicare-eligible survivors.

The effects of these changes on you and your dependents will depend on your personal situation, as follows:

• If you are a survivor enrolled in retiree medical coverage under the FSP and are not Medicare-eligible as of January 1, 2017
  • Effective January 1, 2017, Nokia will no longer offer retiree medical to you or any of your dependents regardless of the Medicare eligibility of your dependents.
  • If you are enrolled in retiree medical coverage, coverage for you and any dependents will end on December 31, 2016. Retiree medical coverage under the FSP for you and any dependents through COBRA will not be available. However, if you are enrolled in COBRA retiree dental coverage, this change will not affect such coverage for you or any covered dependents.
  • As a result, you and any dependents might wish to look to other sources for medical coverage for 2017 and later.
    • For you and any non-Medicare-eligible dependents: Sources include coverage through your or your dependent’s(s’) employer(s) or former employer(s) (if available), the health insurance marketplace in your area and the individual insurance market.
    • For any Medicare-eligible dependents: Sources include coverage through their employer(s) or former employer(s) (if available) and Medicare supplemental insurance from an insurance company, broker or other resource that offers Medicare supplement plans. The Affordable Care Act (healthcare reform) does not permit Medicare-eligible individuals to buy health insurance through the health insurance marketplace.
  • You and your dependents will never regain eligibility for Nokia retiree medical coverage at any time in the future.
• If you are a survivor enrolled in retiree medical coverage under the FSP and are Medicare-eligible as of January 1, 2017
  • You and any Medicare-eligible dependents are not affected by these changes.
  • However, effective January 1, 2017, Nokia will no longer offer retiree medical coverage to any dependents who are not eligible for Medicare as of that date.
  • If you are enrolled in retiree medical coverage, coverage for your dependents who are not eligible for Medicare will end on December 31, 2016. Continued retiree medical coverage for your non-Medicare eligible dependents through COBRA will not be available.
  • As a result, you might wish to look to other sources for medical coverage for your non-Medicare-eligible dependents for 2017 and later. Sources include their employer(s) or former employer(s) (if available), the health insurance marketplace in your area and the individual insurance market.
  • Your Class II dependents will never regain eligibility for Nokia retiree medical coverage at any time in the future. Your Class I dependents may regain eligibility for retiree medical coverage when they become Medicare-eligible after January 1, 2017.
  • Your Class I dependents’ qualifications for regaining eligibility for retiree medical coverage when they become Medicare-eligible after January 1, 2017 will depend on whether Nokia continues to offer such coverage and on whether you are enrolled and your Class I dependents meet the eligibility criteria for such coverage at that time. Under the 2017 plan design, if you are enrolled in Nokia-provided retiree medical coverage and your non-Medicare-eligible Class I dependents become eligible for Medicare, you can enroll them in Nokia retiree medical coverage during any annual open enrollment period, for coverage for the following calendar year.
  • To learn more about eligible dependents, see the YBR website.

Please note: If you and/or your dependents are affected by these changes, a notice providing additional detail has already been mailed to you at your address on file.

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Contribution Costs

Review the YBR website during the annual open enrollment period for your 2017 contribution costs.

Changes to Group Universal Life Insurance Coverage

Effective January 1, 2017:

• Premiums for group universal life insurance coverage will no longer be based on your tobacco use status. Instead, the same rate will apply for a given level of coverage whether or not you use tobacco. As a reminder, premiums will continue to be based on your age and amount of coverage in effect.
• For group universal life participants: 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.

Medical and/or Prescription Drug Coverage Changes

If You Are Not Eligible for Medicare

Expanded Preventive Care Coverage

Effective January 1, 2017, all three medical plan options ― the Enhanced Point of Service (POS) option, the Standard POS option and the Traditional Indemnity option ― will provide a higher level of coverage for preventive care services:

Enhanced and Standard POS Options

• In-network: Both options will pay 100 percent of the provider’s contracted rate. You will no longer pay the office visit copayment.
• Out-of-network: Both options will cover the same preventive care services that are covered in-network:
  • The Enhanced POS option will pay 70 percent of the reasonable and customary (R&C) fees, after you satisfy the deductible.
  • The Standard POS option will pay 60 percent of the R&C fees.

Traditional Indemnity Option

The option will pay 100 percent of the R&C fees for all covered preventive care services.

Higher Copayments for Certain Medical Services

Effective January 1, 2017, copayments for certain services will increase as shown below. Changes for 2017 are in bold italics.

	Enhanced Point of Service (POS)*		Standard Point of Service (POS)*
	2016	2017	2016	2017
Service	In-network
Physician Office Visit (Non-preventive services)	You pay $25 copayment per visit (primary care physician or specialist)	You pay $30 copayment per visit (primary care physician or specialist)	Primary care physician: You pay $15 copayment per visit Specialist: You pay $40 copayment per visit	Primary care physician: You pay $20 copayment per visit Specialist: You pay $40 copayment per visit (no change)
Inpatient Hospitalization	Plan pays 90%	Plan pays 90% (no change)	Plan pays 80% after you pay $500 copayment per admission	Plan pays 80% after you pay $650 copayment per admission
Outpatient Surgery	Plan pays 90%	Plan pays 90% (no change)	Plan pays 80% after you pay $250 copayment per procedure	Plan pays 80% after you pay $300 copayment per procedure
Emergency Room	Plan pays 100% after you pay $50 copayment; waived if admitted	Plan pays 100% after you pay $65 copayment; waived if admitted	Plan pays 100% after you pay $100 copayment; waived if admitted	Plan pays 100% after you pay $125 copayment; waived if admitted
Chiropractic Care	You pay $25 copayment per visit; limited to 30 visits per year	You pay $30 copayment per visit; limited to 30 visits per year	Plan pays 80%; limited to 30 visits per year	Plan pays 80%; limited to 30 visits per year (no change)
	Out-of-network
Inpatient Hospitalization	Plan pays 70% after you satisfy the deductible and pay $200 copayment per admission	Plan pays 70% after you satisfy the deductible and pay $250 copayment per admission	Plan pays 60% after you pay $200 copayment per admission	Plan pays 60% after you pay $250 copayment per admission
Emergency Room	Plan pays 100% after you pay $50 copayment; waived if admitted	Plan pays 100% after you pay $65 copayment; waived if admitted	Plan pays 100% after you pay $100 copayment; waived if admitted	Plan pays 100% after you pay $125 copayment; waived if admitted

*Where coverage is expressed as a percentage, it is a percentage of the provider’s contracted rate (for in-network services) or of the reasonable and customary (R&C) fee (for out-of-network services).

Higher Annual Deductibles and Out-of-Pocket Maximums for the Enhanced POS

Effective January 1, 2017, the annual deductibles and out-of-pocket maximums for the Enhanced POS will increase as follows:

	Enhanced Point of Service (POS)
Feature	2016		2017
Annual Out-of-Network Medical Deductible	Individual: $500 Two-person: $1,000 Family: $1,500		Individual: $650 Two-person: $1,300 Family: $1,950
Annual Medical Out-of-Pocket Maximum (Excludes deductible)	In-Network: Individual: $1,200 Two-person: $2,400 Family: $3,600	Out-of-Network: Individual: $3,000 Two-person: $6,000 Family: $9,000	In-Network: Individual: $1,600 Two-person: $3,200 Family: $4,800	Out-of-Network: Individual: $4,000 Two-person: $8,000 Family: $12,000

Higher Out-of-Pocket Maximums for the Traditional Indemnity Option

Effective January 1, 2017, the annual out-of-pocket maximums for the Traditional Indemnity option will increase as follows:

	Traditional Indemnity
Feature	2016	2017
Annual Medical Out-of-Pocket Maximum (Excludes Deductible)	Individual: $1,500 Two-person: $3,000 Family: $4,500	Individual: $1,800 Two-person: $3,600 Family: $5,400

Applied Behavior Analysis Therapy for Eligible Dependents Age 11 and Under

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 (Enhanced and Standard 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.

Virtual Visits

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 nonemergency condition. Visit www.myuhc.com to learn about virtual visits.

Expanded Prescription Drug Coverage Management Programs

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.

If You Are Medicare-Eligible

Changes to the Express Scripts Medicare^® (PDP) for Nokia

Due to adjustments made by the Centers for Medicare & Medicaid Services (CMS), the following changes to your drug coverage will be effective January 1, 2017:

• The annual deductible and prescription drug cost limit will increase.
• Cost-sharing both inside and outside of the “donut hole” will change.

The table below highlights the CMS adjustments for 2017.

	2016	2017
Deductible amount	$360	$400
“Donut hole”	After total payments (including copayments and deductible, plus the Plan’s cost for the drugs) reach $3,310, you pay 58% of the cost of generic drugs and about 45% of the cost of most brand-name drugs, up to $4,850.	After total payments (including copayments and deductible, plus the Plan’s cost for the drugs) reach $3,700, you pay 51% of the total cost of generic drugs and about 40% of the total cost plus a portion of the dispensing fee for brand-name drugs, up to $4,950.
Cost-sharing outside of the “donut hole”	You pay the greater of 5% of the cost or a copayment of $2.95 for generics/$7.40 for brand-name drugs, per prescription, for the remainder of the year.	You pay the greater of 5% of the cost or a copayment of $3.30 for generics/$8.25 for brand-name drugs, per prescription, for the remainder of the year.

While you are in the “donut hole,” either the Plan pays the rest of the costs for covered drugs, or they are paid for by drug manufacturers’ discounts.

For more information about how the Plan works, see the Benefits At-a-Glance and Resource Contact Information booklet.

Virtual Visits

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 nonemergency condition. Visit www.UHCRetiree.com/nokia to learn about virtual visits.

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Healthcare Reform Update for 2017

If You Are Not Eligible for Medicare

As 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 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.

If You Are Medicare-Eligible

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).