1. health and fitness

2015 Annual Enrollment Guide
Electronic Systems Represented Employees in Baltimore
Annual Enrollment:
May 4–22, 2015
4 Things to Know About Annual Enrollment
1 Annual Enrollment is May 4–22, 2015. Enroll through My Benefits Access at Benefits & You OnLine
(http://benefits.northropgrumman.com). See page 3.
2 NEW! There is a new Northrop Grumman contribution to Health Savings Accounts (HSAs) for eligible Value Plan
participants. 50% of the Company contribution to this account is earned upon completion of a health risk questionnaire
and an annual physical exam. See page 4.
3 NEW! In the Value Plan, eligible preventive prescription drugs will not be subject to the deductible. See page 4.
4 NEW! There are several new tools and resources to help you and your family, including:
• A health services cost comparison tool that helps you shop for tests and procedures offered by health care providers.
See page 5.
• Telemedicine — physician access online, available 24/7 via your smartphone, laptop or tablet computer. See page 5.
4 Things to Do During Annual Enrollment
1 Review this Annual Enrollment Guide.
2 Make your benefits elections online by May 22.
3 Register for access to your new health services cost comparison tool and telemedicine.
4 If you are in the Value Plan and elect an HSA, complete your health risk questionnaire and get your
annual physical starting July 1.
What’s Inside
2 Health Care Is Complex
3 How to Enroll and Make
Changes: May 4–22
4 What’s New This Year
6 What’s Not Changing
Benefits & You — Your Life.
Your Health. Your Well-being.
A
t Northrop Grumman, the well-being and health of our employees and their
families are important. Our employees are dedicated to the work they do, and
they lead full lives outside of work, which helps them to achieve personal and
professional balance. Our employees have diverse needs that change over
time as they manage their health and other phases of life.
Through Benefits & You, we provide a comprehensive package of benefits,
programs and tools that help you choose benefit options that best meet the needs of you and your family. Our benefits extend well beyond traditional
medical and dental insurance options, and include wellness programs,
retirement plans, pre-tax savings accounts, training, cost comparison tools and resources that help you customize your benefits to fit your individual needs.
Your Life
Your Health
Your Well-being
We know that changes in your life can sometimes worry you or distract you
from your work. We provide resources such as our Employee Assistance
Program (EAP), work-life programs and decision tools to support you and
your family.
You work hard to maintain your health and the health of your family members.
All Northrop Grumman medical plans include coverage for annual physicals
and well-baby care at little to no cost to you, as well as coverage for doctor
visits, prescription drugs, surgery and hospital care, mental health and
substance abuse services and more.
Your sense of well-being is enhanced when you are engaged at work and
satisfied with your work relationships, feel in control of your health and
finances, and feel connected to a community. We offer development programs
to promote an inclusive environment and to help you perform, wellness
programs, tools for financial planning, and support for community involvement.
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Health Care Is Complex
Working with You to Manage Health Care Costs
In the United States, the health care system is very fragmented, and individuals often find themselves trying to figure
out where to go to get the right care. In addition, understanding all of the different insurance terms, such as “deductible,”
“copayment” and “coinsurance,” can be confusing, and there are so many insurance providers and plans that it is difficult for
health care providers to offer guidance to their patients. Health care legislation has added new requirements for employers
and individuals, and, in the future, new taxes will be levied on employer plans that offer benefits that are more costly than the
limits established by the government. It is in this environment that we strive to make our benefit plan design understandable,
valuable and affordable for our employees.
Access to affordable health care is crucial, but each year, we have seen the costs of health care rise. As an employee, you
play a significant role in managing your health care expenditures when you become an “informed buyer” of health care
services and when you use in-network health care providers. Our health care partners negotiate competitive pricing with
doctors, hospitals and other service providers to ensure that you are able to get better outcomes at affordable prices.
Our new health services cost comparison tool allows you to compare costs and user reviews for local doctors, hospitals,
prescriptions and services — which can vary as much as 50% in the same hospital, depending on the insurer and insurance
plan. When you compare prices for medical tests like x-rays or MRIs, you can reduce your out-of-pocket costs and use less
of your Health Reimbursement Account (HRA) if you are enrolled in the Anthem Consumer Driven Health Plan (CDHP) or
Health Savings Account (HSA) dollars if you are enrolled in the Value Plan — saving more for your future needs.
As a company, we negotiate with our health care partners and administrators to deliver affordable services that
achieve the outcomes that our employees need. We offer wellness programs and incentives to encourage healthy
lifestyle changes. In 2015, we will launch telemedicine — access to doctors online 24/7 when your family physician
is not available, which is more cost effective than most urgent care facilities.
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What You Can Do to
Manage Your Costs
• Take advantage
of preventive
care services.
• Use the health
services cost
comparison tool
to find affordable
options.
How to Enroll and Make Changes: May 4–22
Who Needs to Enroll?
Review all of the changes and new premium rates that will be effective July 1, 2015. If you do not want to make any changes, there is no need for you to make
new elections. If you do not enroll, all 2014 elections will carry forward, including your spending and savings accounts. To maximize tax savings, consider the
new 2015 IRS limits when making FSA and HSA elections.
When You Are Ready to Enroll
After You Enroll
When you are ready to enroll, log in to My Benefits Access from
Benefits & You OnLine (http://benefits.northropgrumman.com).
After you enroll, you will receive an email confirmation at your preferred email
address. Be sure to review the confirmation to ensure that your elections
were saved.
• Most benefits do not require re-enrollment but this is a good opportunity
to review your current elections.
• Confirm that your and your dependents’ personal information is up to date.
• Use the Medical Expense Estimator Tool to project and compare your
potential future health care expenses.
• To enroll, click “Make Your Annual Enrollment” and then “Enroll in Your
Benefits.”
• Review your FSA and/or HSA elections and make any necessary changes.
• Review your dependent coverage. If you newly add a dependent to
coverage, you will be asked to submit documentation shortly after your
enrollment is complete.
• Save your elections by clicking “Complete Enrollment” at the bottom of
the page. You should see a “Completed Successfully” screen, which you
should print for your records. If you don’t see this screen, your enrollment
elections were not completed successfully.
To comply with Federal health care regulations, employers must
collect Social Security numbers for covered dependents. To review
the information you have on file, go to Benefits & You OnLine
(http://benefits.northropgrumman.com) and select “My Benefits
Access login.” Under the “Your Profile” tab, select “Dependent
Summary,” then “Edit” to update dependent information.
If you newly elected to make contributions to an HSA through payroll
deductions, go to the CONEXIS website (https://mybenefits.conexis.com)
to set up your HSA.
If You Need Help Enrolling
If you have questions about enrolling or would like to enroll over the phone,
call the Northrop Grumman Benefits Center (NGBC) at 1-800-894-4194
(overseas at 1-718-354-1338). You’ll need your My Benefits Access
password to secure your call.
If You Do Not Know Your My Benefits Access Password
Go to Benefits & You OnLine (http://benefits.northropgrumman.com)
and select “My Benefits Access login.” Select “Forgot User ID or Password”
from the login screen and follow the steps. You can also call the
Northrop Grumman Benefits Center (NGBC) at 1-800-894-4194, and
a benefits service representative will help you reset your password.
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What’s New This Year
Below is a summary of the changes to the plan options for Electronic Systems represented employees in Baltimore for the 2015–2016 benefit plan year.
Medical
Changes to the Value Plan
• NEW! Northrop Grumman will now make a $200 contribution to your Health Savings Account (HSA) when you establish your account with our HSA partner,
CONEXIS. The first $100 will be deposited to your account as soon as administratively possible. The remaining funds are deposited after you complete a
health risk questionnaire and an annual physical. Complete your health risk questionnaire online and your annual physical exam between July 1, 2015 and
June 30, 2016 to receive the second half of your Company contribution to your HSA.
• The 2015 IRS HSA contribution limit has increased by $50 for individual coverage and $100 for family coverage. When you or Northrop Grumman contribute
to your HSA, you can pay for qualified medical expenses on a pre-tax basis, reducing your total actual out-of-pocket expenditures. Remember, if you have
money left over in your HSA at the end of the plan year, it rolls over into the next year for future expenses or goes with you when you retire!
• Deductibles have increased. Remember, deductibles can be paid with your pre-tax savings in your HSA account, and this increase will only affect you if your
medical expenses exceed the plan deductible.
• You no longer need to satisfy your deductible in order to be reimbursed for preventive prescription drugs in the Value Plan. You will only be responsible for the
coinsurance portion of the drug expense. The plan will pay 100% for certain preventive drugs through in-network pharmacies or mail order. A comprehensive
list of preventive drugs can be found on the CVS/Caremark website (www.caremark.com/ngc).
Important HSA Rules to Remember for Value Plan Participants
To be eligible for the HSA, you must be enrolled in an IRS-qualified “high deductible health plan” (e.g., the Value Plan). You cannot be enrolled in
coverage under another non-qualified plan (although eligibility for other coverage is permitted). For example, employees enrolled in their spouse’s HMO or who
are covered under a General Purpose Health Care FSA (e.g., through a spouse or by a rollover from the prior plan year) would not be eligible for an HSA. Employees
enrolled in Medicare are not eligible to contribute to an HSA. (See IRS Publication 969 for further details.) Northrop Grumman HSA contributions count toward the
calendar-year maximum.
If you are currently enrolled in a General Purpose FSA administered by CONEXIS, and you enroll in the Value Plan and establish an HSA through CONEXIS during Annual
Enrollment for the 2015–2016 plan year, your FSA or HRA will be converted to a limited purpose FSA. Any new FSA election will also be limited purpose in this situation.
If you enroll in the Value Plan and do not elect to establish an HSA through CONEXIS during Annual Enrollment, but you intend to establish an HSA either later in the
plan year through CONEXIS or through another HSA vendor, you must call CONEXIS at 1-888-347-5193 to notify them that you would like your FSA rollover amounts or
your 2015–2016 FSA election to be limited purpose. You will have to submit the paperwork required by CONEXIS. You must complete this process before July 1, 2015. If
you do not, any FSA rollover, and any 2015–2016 plan year FSA election, will be general purpose, and under IRS rules you will not be eligible to open or establish an HSA
during the 2015–2016 plan year.
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What’s New This Year
Cost Comparison Tool
Telemedicine
FSA Limits
NEW! PPO, EPO, CDHP and Value
plan participants can compare
costs and user reviews for doctors,
hospitals, labs and prescriptions with
this personalized tool. Register at
https://mycastlight.com/ngc/.
NEW! Consult with a boardcertified doctor on your phone,
tablet or personal computer —
anytime, day or night. Register at
https://livehealthonline.com.
NEW! The annual IRS contribution limit for pre-tax savings in a
General Purpose Health Care Flexible Spending Account (FSA)
or Limited Purpose Health Care FSA is increasing to $2,550.
Although there is no longer a grace period, don’t forget, you
may carry over up to $500 in unused Health Care FSA funds
to be used in future years. You have until October 31 to submit
claims and debit card verifications incurred during the benefit
plan year. Any amounts in excess of $500 left credited to your
FSA as of October 31 will be forfeited per IRS rules.
Note: To understand the IRS restrictions on the
ability to be enrolled in an FSA and contribute to an
HSA at the same time, go to Benefits & You OnLine
(http://benefits.northropgrumman.com) and consult
IRS Publication 969 (www.irs.gov/pub/irs-pdf/p969.pdf).
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What’s Not Changing
• In-network preventive care, for you and your enrolled family members is covered —
including annual physicals, immunizations and routine screenings — if you’re enrolled in
a Northrop Grumman medical plan option.
• All participants in the PPO, EPO, CDHP or Value plans have access to an extensive
network of doctors and other health care providers, and are eligible to take advantage of
network discounts, services, tools and numerous other programs to help them manage
their health.
• Your disability, life and accident insurance options, and dependent day care FSA continue
to provide the same great benefits.
• Kaiser Permanente HMO and TRICARE Supplement plans will continue to be offered
where they are currently offered.
If you have questions about enrolling or would like to enroll over the phone,
call the Northrop Grumman Benefits Center (NGBC) at 1-800-894-4194
(overseas at 1-718-354-1338) from 9:00 a.m. to 6:00 p.m. EST, Monday–Friday
(excluding holidays). You’ll need your My Benefits Access password to secure your call.
This guide contains information for participants in the Northrop Grumman Health Plan. This guide and the
content on the Benefits & You OnLine and My Benefits Access websites provide a summary of important
information about your participation in the Northrop Grumman Health Plan. This guide is not a summary
plan description but, in combination with the specified portions of the Annual Enrollment information
site, is a summary of material modifications. Complete details about the plans are contained in the legal
plan documents that govern plan operation and administration. If there is a discrepancy between the
information provided on the websites and the provisions of the plan documents (including this guide),
the plan documents will govern. Northrop Grumman reserves the right in its sole discretion to terminate,
suspend, withdraw, amend or modify the plans at any time and for any reason.
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2015 AE Baltimore