• Home
• What’s Changing
  for 2016
• Check YouR
  Default Coverage
• How to
  Take Action
• Important
  Reminders
• What You Need to
  Know About Medicare
• Resources for
  Now and Later

New Default Coverage for Medicare-Eligible Traditional Indemnity Option Participants: The UnitedHealthcare^® Group Medicare Advantage (PPO) Option

For residents of any of the 50 U.S. states or the District of Columbia only: If you (and your Medicare-eligible dependent[s]) are currently enrolled in the Traditional Indemnity option, you will have new default medical coverage for 2016: the UnitedHealthcare Group Medicare Advantage (PPO) option.

This means that if you do not actively re-enroll in the Traditional Indemnity option during the annual open enrollment period, your medical coverage in the Traditional Indemnity option will end on December 31, 2015. Effective January 1, 2016, you and your Medicare-eligible dependent(s) will automatically be enrolled in the UnitedHealthcare Group Medicare Advantage (PPO) option.

Key Features of the UnitedHealthcare Group Medicare Advantage (PPO) Option

The UnitedHealthcare Group Medicare Advantage (PPO) option has been offered to you and your fellow Medicare-eligible Alcatel-Lucent retirees since 2012. Here is a summary of its key features:

• Your monthly premium costs are lower. The UnitedHealthcare Group Medicare Advantage (PPO) option has lower monthly premiums than the Traditional Indemnity option.
• It is similar to the Traditional Indemnity option. The UnitedHealthcare Group Medicare Advantage (PPO) option covers the same services as the Traditional Indemnity option. The UnitedHealthcare Group Medicare Advantage (PPO) option’s out-of-pocket maximum, however, is lower.
• You can go to any Medicare provider. Choose any doctor, hospital, facility or licensed medical professional that participates in Medicare and accepts the plan.
• Unlike traditional PPO plans, you pay the same copayment or coinsurance cost shares whether you see a provider inside or outside of UnitedHealthcare’s network.
• You have access to additional programs and services. These include hearing benefits, the SilverSneakers^® fitness program and Nurseline.^SM

More information about the UnitedHealthcare Group Medicare Advantage (PPO) option’s benefits, programs and services will be mailed to you directly from UnitedHealthcare in late September. For a summary of the option’s main plan provisions, refer to the Benefits At-a-Glance and Resource Contact Information booklet and the health plan comparison charts on the YBR website during annual open enrollment beginning September 28.

Medical Costs for 2016

If you retired on or after March 1, 1990, your costs for medical coverage, which are calculated as a percentage of your pension, will increase for 2016. The amount of your increase for 2016 is based on whether or not you cover any dependents and whether or not you are eligible for Medicare.

If you retired prior to March 1, 1990, are eligible for Medicare and elect the Traditional Indemnity option, you will pay a monthly premium in 2016.

If you retired prior to March 1, 1990, are eligible for Medicare and enroll in the UnitedHealthcare Group Medicare Advantage (PPO) option, you will not pay a monthly premium in 2016.

Review the YBR website during the annual open enrollment period for your 2016 premium costs.

Higher In-Network Prescription Drug Copayments and Retail Annual Deductible

Effective January 1, 2016, your in-network prescription drug copayments and annual retail deductible will increase as follows:

Feature (In-network)	2015	2016
Retail Copayments (up to a 30-day supply using an in-network pharmacy)	Generic: $10 Formulary brand: $40 Nonformulary brand: $70	Generic: $10 (No change) Formulary brand: $42 Nonformulary brand: $75
Mail-Order Copayments (up to a 90-day supply)	Generic: $25 Formulary brand: $100 Nonformulary brand: $175	Generic: $25 (No change) Formulary brand: $105 Nonformulary brand:$188
Annual Deductible (Retail)	$50/individual	$75/individual

Back to top

Expanded Prescription Drug Coverage Management Programs

Alcatel-Lucent 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.

Additional coverage management programs were added as of May 1 and August 1, 2015. You will be notified by Express Scripts if you are impacted.

New Process for Requesting Copies of Annual Open Enrollment Information by Telephone

The easiest and most convenient way to access the information you need to enroll continues to be through the YBR website during the annual open enrollment period. However, if you do not have Internet access, or if you have Internet access but prefer to have a copy of the enrollment information sent to you, you must make your request through the Alcatel-Lucent Benefits Center’s automated system only.

Healthcare Reform Update for 2016

The Affordable Care Act (healthcare reform) continues to bring big changes to the U.S. healthcare system.

IF YOU ARE NOT ELIGIBLE FOR MEDICARE

As a reminder, in accordance with the Affordable Care Act, if you are not eligible for Medicare, you have an alternate source from which to purchase health insurance: the health insurance marketplace that is available in your area.

You should compare your Alcatel-Lucent 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 the Alcatel-Lucent Plan.

If you enroll in Alcatel-Lucent health coverage during annual open enrollment and later decide to enroll in marketplace coverage for 2016 during the marketplace open enrollment period (November 1, 2015 – January 31, 2016), you can drop your Alcatel-Lucent coverage. But keep in mind: If you drop Alcatel-Lucent coverage, Alcatel-Lucent medical, dental and prescription drug coverage for all members of your family will end, including those eligible for Medicare.

You must call the Alcatel-Lucent Benefits Center by December 31, 2015, to drop your Alcatel-Lucent coverage that would be effective as of January 1, 2016. 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 Alcatel-Lucent Benefits Center cannot answer any questions about marketplace coverage.

Note: If you enroll in health coverage through the marketplace instead of through Alcatel-Lucent, you may not be able to enroll in Alcatel-Lucent coverage in the future. Please see the “Notes” and refer to the 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 for Alcatel-Lucent 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).