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Your Plan Option ExplainedUnitedHealthcareGroup Medicare Advantage(PPO) Plan UHEX11MP3237166 000Y0066 100802 102041
Your Medicare. his brochure explains the Medicare Advantage (PPO) plan option availableTto you through Alcatel-Lucent for 2011. Medicare Advantage plans, alsoknown as Medicare Part C plans, combine your Medicare Part A (hospital)and Medicare Part B (doctor and out-patient) coverage with additionalbenefits that contribute to improving your health and wellness. o physicals or health questions are required to enroll, and pre-existingNconditions do not affect your eligibility. All Medicare Advantage plans areoffered by private insurance companies, like UnitedHealthcare, who arerequired to provide coverage that is as good as Original Medicare or better.The government pays the private insurers a fixed fee for your care, whoin turn, handle the payments to doctors and hospitals.HospitalDoctorsYour UnitedHealthcare.Choosing the right health care plan option is a big decision. It involves looking at the costs, benefits, accessto doctors and other health care services and so much more. We want you to feel good about your planoption choice, and to help you get the most out of your health care dollar.Five reasons to choose a UnitedHealthcare plan.1. A company you know and trust – With over 25 years of experience, UnitedHealthcare is one of thenation’s largest providers of health care coverage for older adults. Nationally, we serve one in five peopleeligible for Medicare.12. H elping to control your care costs – The Plan helps limit your out-of-pocket expenses by providingan annual limit and affordable copayments.3. F lexibility – We understand that your choice of doctors, hospitals and other health care providersis important. With this plan option, you will have access to a national network of providers throughUnitedHealthcare. Plus, you can see out-of-network providers as long as they participate in Medicare.4. Additional health and wellness programs that make a difference – This plan option offers thesame coverage as Medicare Parts A and B, plus other services that contribute to your health and wellness.5. D edicated Customer Service – We have a dedicated customer service team that is knowledgeableabout your employer group-sponsored plan. With one simple phone call, you can get answers to allyour health plan benefit questions.2
Your Plan Option.This plan option is a Preferred Provider Organization (PPO) plan. This type of plan helps keep health caredecisions in your hands. You can see any provider that participates in Medicare. You can take advantageof our large group of in-network doctors. If a doctor is in-network, that means he/she has a contract withUnitedHealthcare for this plan. You also have the flexibility to see doctors that are out-of-network. Thesedoctors do not have a contract with UnitedHealthcare for this plan. Unlike most PPO plans, with this planyou pay the same copay or coinsurance whether you see an in or out-of-network doctor.Plan highlights: The plan covers health services provided to you by any doctor or medical professional whoparticipates in Medicare. You can enjoy predictable copayments (a flat dollar amount) or coinsurance (a percentage) thatrepresents your share of the cost. This may help make budgeting for health care costs easier. You can take advantage of a 0 copayment for some Medicare-covered preventive services,including an Annual Wellness Visit. You’ll pay a limited amount out-of-pocket for the year.Frequently asked questions.Will the doctor or hospitalaccept my plan?What is my copay orcoinsurance?In-NetworkOut-of-NetworkYesHas the choice to accept the plan(except for emergencies)You pay the same copayment whether you seea provider in or out-of-networkDo I need to choose aPrimary Care Physician (PCP)?NoNoDo I need a referral tosee a specialist?NoNoFor more information about your plan details including copayments and plan benefits — refer to theBenefit Highlights booklet.3
Your Doctor. eeing a doctor is easy. With our large network, most likely your doctor isSalready part of the plan. However, even if your doctor is not part of our network,we have made it easy for your doctor to accept this plan. Different from PFFS plans, PPO plans have been around a long time.Doctors are used to working with PPOs. We pay as Medicare pays so your doctor will receive the same paymentas under Medicare. If your doctor does not accept Medicare assignment, we will pay theexcess charges.To find out about the doctors or hospitals in the network, see the online Provider Directory atwww.UHCRetiree.com. This directory is updated regularly to provide you with the current listingof network providers.If you would like help finding a doctor, or to request a copy of the Provider Directory please callCustomer Service at 1-888-980-8117, TTY 711, 8 a.m. – 8 p.m. local time, 7 days a week.4
Important Notes and Next Steps.1. Once you are officially enrolled in the plan, you will receive a Welcome Kit fromUnitedHealthcare with complete details about the benefits and services of yournew health plan.2. You will receive your new member ID card in late December.3. You can begin using your new member ID card to enjoy your benefits and serviceson January 1, 2011.4. If you drop your group-sponsored retiree health coverage in the future, you may notbe able to re-enroll until the next annual open enrollment period or unless you havea qualified status change.Questions?Call Customer Service toll-free about your plan:1-888-980-8117, TTY 7118 a.m. – 8 p.m. local time, 7 days a weekWhen you contact customer service, haveyour group number available. You can findyour group number on the front of theBenefit Highlights booklet.5
Notes6
12008 UnitedHealth Group Annual ReportUnitedHealthcare Medicare Advantage plans are offered by UnitedHealthcare Insurance Company and itsaffiliated companies, a Medicare Advantage organization with a Medicare contract. Limitations, copaymentsand coinsurance may apply. Benefits may vary by employer group.
UnitedHealthcare. Plus, you can see out-of-network providers as long as they participate in Medicare. 4. Additional health and wellness programs that make a difference – This plan option offers the same coverage as Medicare Parts A and B, plus other
