Alcatel-Lucent

Alcatel-Lucent Coverage Options When You Are Medicare-Eligible but Your Dependent Is Not (and Vice Versa)

In most cases, covered dependent(s) must be enrolled in the same Alcatel-Lucent medical option and with the same healthcare carrier that you choose for yourself. However, there are exceptions:

You are Medicare-eligible and you have one or more dependent(s) not eligible for Medicare	If you (and any Medicare-eligible dependent[s]) will have the following coverage:	Then any dependent(s) not eligible for Medicare will have the following coverage:
	UnitedHealthcare Group Medicare Advantage (PPO), with Express Scripts prescription drug coverage Traditional Indemnity medical and prescription drug coverage	Point of Service (POS) medical and prescription drug coverage, if there is a UnitedHealthcare POS in your area — otherwise, Traditional Indemnity medical and prescription drug coverage
	Medicare Health Maintenance Organization (HMO), with Medicare HMO prescription drug coverage	HMO, with HMO prescription drug coverage
You are not eligible for Medicare, but you have one or more Medicare-eligible dependent(s)	If you (and any dependent[s]) are not eligible for Medicare and will have the following coverage:	Then any Medicare-eligible dependent(s) will have the following coverage:
	Point of Service (POS) medical and prescription drug coverage Traditional Indemnity medical and prescription drug coverage	Traditional Indemnity medical and prescription drug coverage, with Medicare primary
	HMO, with HMO prescription drug coverage	Medicare HMO, with Medicare HMO prescription drug coverage

You Must Be Enrolled in Medicare Part B

Under Alcatel-Lucent Plan provisions, Medicare-eligible participants must be entitled to Medicare Part A and enrolled in Medicare Part B to receive benefits coverage through the Plan. When you are enrolled in Medicare Part B, you will pay a monthly premium cost for coverage and may also be required to pay a premium cost for the Alcatel-Lucent retiree healthcare coverage that you choose.

Medicare Part B offers medical benefits, such as doctor and ambulance services. You may become automatically enrolled in Medicare Part B if you receive Social Security benefits. Check with Medicare for information about your personal situation.

Medicare Part C Medical Plan Options – What You Should Know

Medicare Advantage Preferred Provider Organization (PPO) plans (like the UnitedHealthcare Group Medicare Advantage [PPO]) and Medicare HMOs are “Medicare Part C” options. By enrolling in one of these medical plan options, you agree to receive standard Medicare Part A and Medicare Part B services through that medical option.
If you enroll (or continue coverage) in a Medicare HMO offered by the Plan, you will receive prescription drug coverage directly through that Medicare HMO. Plan designs vary. You must go to hospitals and doctors in the Medicare HMO’s network to receive coverage.
Shortly after enrolling in a Medicare HMO through the YBR website or the Alcatel-Lucent Benefits Center, you may receive form(s) in the mail from the Alcatel-Lucent Benefits Center. Complete the form(s) with your personal information, Medicare information and signature, and return them to the Alcatel-Lucent Benefits Center by the deadline stated on the form(s) to avoid any delays in receiving coverage.
Other Medicare HMO and Medicare Part C options may be available to you from other private insurers. You cannot be enrolled in more than one Medicare Part C plan option at the same time. Enrolling in a private insurer’s Part C plan does not automatically cancel any Alcatel-Lucent coverages you may have defaulted to or enrolled in during the annual open enrollment period. To enroll in a private insurer’s Part C plan outside of the Company-sponsored Plan during the year, you must call the Alcatel-Lucent Benefits Center to disenroll from your Alcatel-Lucent medical and prescription drug coverage.
Medicare HMO premium costs will be final in December. Because the Medicare HMOs require approval by CMS, the final plan designs and premium costs will not be available to the Alcatel-Lucent Benefits Center during the annual open enrollment period. It is expected that the Alcatel-Lucent Benefits Center will have the final plan designs and premium costs in December. If you decide to enroll in a Medicare HMO during Alcatel-Lucent’s annual open enrollment period, and the premium cost is later reduced, you will receive written notification. The premium cost will not be higher than what is shown on the YBR website during the annual open enrollment period.

Enrollment and Disenrollment Are Not Solely Within the Control of Alcatel-Lucent, and Rely Heavily on Decisions Made by CMS
At any time during the year, you can disenroll from or switch between the UnitedHealthcare Group Medicare Advantage (PPO), Traditional Indemnity and Medicare HMO options offered by the Plan by calling the Alcatel-Lucent Benefits Center at 1-888-232-4111. However, CMS approval is required. As a result, all elections and effective dates of coverage are driven by CMS. To determine which Medicare HMOs are available to you through the Plan, review the YBR website during the annual open enrollment period. Important note: If you switch between these medical options during the year, any amounts that you have paid toward your prior option's deductible and out-of-pocket maximum will not carry over to your new option. Your deductible and out-of-pocket maximum will start over when your coverage in your new option begins.

Enrollment and Disenrollment Are Not Solely Within the Control of Alcatel-Lucent, and Rely Heavily on Decisions Made by CMS

At any time during the year, you can disenroll from or switch between the UnitedHealthcare Group Medicare Advantage (PPO), Traditional Indemnity and Medicare HMO options offered by the Plan by calling the Alcatel-Lucent Benefits Center at 1-888-232-4111. However, CMS approval is required. As a result, all elections and effective dates of coverage are driven by CMS. To determine which Medicare HMOs are available to you through the Plan, review the YBR website during the annual open enrollment period.

Important note: If you switch between these medical options during the year, any amounts that you have paid toward your prior option's deductible and out-of-pocket maximum will not carry over to your new option. Your deductible and out-of-pocket maximum will start over when your coverage in your new option begins.

¹ Includes Long-Term Disability (LTD) and COBRA participants and survivors in the Family Security Program (FSP).