2014 Annual Benefits Enrollment is November From the Ground Up BENEFITS AT AMERICAN Annual Benefits Enrollment Overview

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1 BENEFITS AT AMERICAN 2014 Annual Benefits Enrollment Overview ACTIVE EMPLOYEES 2014 Annual Benefits Enrollment is November 1 15 Everyday, in the air and on the ground, we all work hard to care for our customers we should do the same for ourselves. That s why American Airlines offers a collection of benefits, resources and tools so you can build your personal benefits in a way that supports your health and your financial security. Use this Benefits Overview to help you make smart decisions for Keep Connected with my.aa.com Get all the information you need from my.aa.com. Just click on the 2014 Annual Benefits Enrollment article on the homepage. Check out the online tools: n Wondering about Health Care Reform? Explore the Health Care Reform Made Simple website powered by Mercer (password: active) and get even more details by selecting What It Means To Everyone in the U.S. n Use My Benefits Cost Estimator to compare costs across your plan options. n Try the interactive provider map to see who the preferred administrator is in your state. Learn about choosing and using Health Spending Accounts at WageWorks.com. Go to the Participants/Employees Learning Center for videos, short tutorials and FAQs. Go to Benefits Service Center and enroll by November 15, 11:59 p.m. CST. TABLE OF CONTENTS & HOW TO USE THIS OVERVIEW

2 How to use this overview: Come back to this page at any time by clicking TOC from the bottom navigation bar. The top, color navigation bar below and at the top of each page navigates you to each section of this overview. To reach subsections, click from the bulleted lists. THESE ICONS ARE CLICKABLE Preferred Administrators Co-pays Apply to Out-of-Pocket Maximum New Features for Spending Accounts Value Option Out-of-Pocket Maximum HMO Plans Prescription Drug Change Health Care Reform Three Health Accounts Life & Accident Insurance Something Extra Save Smart with $uper $aver Time to Decide Enroll Now What If I Don t Enroll? Contacts Important Notices Bottom navigation options let you move through the overview page-by-page. To print this overview, click the PRINT button.

3 Preferred Administrators Co-pays Apply to Out-of-Pocket Maximum New Features for Spending Accounts Value Option Out-of-Pocket Maximum HMO Plans Prescription Drug Change Health Care Reform Beginning January 1, 2014 Preferred Administrators There are only two changes to the preferred administrators this year: n Arizona: Changing from UnitedHealthcare to BlueCross and BlueShield of Texas (even if you don t live in Texas). n Core option: Changing from Aetna to the preferred administrator in your state just as with the other medical options (Standard and Value). Preferred administrators are identified on the map below. If your favorite health care provider doesn t belong to the preferred administrator s network in your state, you can choose another network administrator. Remember, you ll pay less in monthly contributions for the same coverage, when you choose the preferred administrator (see page 5 for details). Your preferred administrator will be based on the alternate address you have on file with American. No alternate address? No worries, we ll use the permanent address you have on file. Check your address on file now. Be sure to use the website links available in this overview and on my.aa.com they re designed specifically for American Airlines employees. PREFERRED ADMINISTRATORS BY STATE ALASKA Select the links below to find out if your doctor is in the preferred administrator s network: BlueCross and BlueShield of Texas (even if you don t live in Texas) Aetna UnitedHealthcare BlueCross HAWAII PUERTO RICO AND U.S. VIRGIN ISLANDS Click here to visit an interactive version of this map (showing all administrator options). Active 2014 Annual Benefits Enrollment Overview 2

4 Preferred Administrators Co-pays Apply to Out-of-Pocket Maximum New Features for Spending Accounts Value Option Out-of-Pocket Maximum HMO Plans Prescription Drug Change Health Care Reform Co-pays Apply to Out-of-Pocket Maximum Your co-pays will apply to your out-of-pocket maximum for the Standard and Value options. New Features for Spending Accounts Managing your Health Spending Account just got easier! n The administrator is changing from PayFlex to WageWorks. n Use the WageWorks Healthcare Card to pay for eligible expenses just like when you use a debit card. n Enrolled in the Core option? Open an HSA (Health Savings Account) or change your HSA contribution at any time. Value Option Out-of-Pocket Maximum The in-network out-of-pocket maximum for the Value option will increase to $2,000/individual and $5,000/family. HMO Plans There are changes to the Kaiser and Community Care HMOs, including new deductibles and out-of-pocket maximums. Look for information from your HMO. Prescription Drug Change Express Scripts is making a few changes to what s currently covered today, and how it will be covered in Some prescriptions will move from preferred to non-preferred, and others from non-preferred to not covered. During Annual Benefits Enrollment, use this link to see what s covered and what s not by your American medical options. Something Extra We re pleased to announce new voluntary offerings: Accident Insurance, Critical Illness, Veterinary Pet Insurance (VPI) and more. See page 25 for all the details. Health Care Cost Changes You will see an increase in your monthly contribution costs for 2014 (see page 6). It s important to understand our health care costs increased $40 million due to health care inflation and health care reform fees assessed by the government. However, American continues to pay 80% of the total costs. Active 2014 Annual Benefits Enrollment Overview 3

5 Preferred Administrators Co-pays Apply to Out-of-Pocket Maximum New Features for Spending Accounts Value Option Out-of-Pocket Maximum HMO Plans Prescription Drug Change Health Care Reform Health Care Reform You may be hearing about the public marketplace, government subsidies and tax penalties for not having health care coverage. And, you will be getting marketing from insurance companies directly to you. So, what s the bottom line? Everyone (with a few exceptions) in the United States will be required to have medical coverage or pay a tax penalty starting in Find Your Way to the Facts We re providing you and your family with an online resource that will answer your basic questions about Health Care Reform: See the Health Care Reform Made Simple website ( now and use the password active (or access the site from my.aa.com). DOMA Update As you ve probably heard, there have been some important developments regarding married, same-sex couples, based on the recent Defense Of Marriage Act (DOMA) ruling. As a result, during Annual Benefits Enrollment, you may make the following dependent changes that will become effective in January 2014: n Add a same-sex spouse and/or their child. n Designate current same-sex domestic partner as a same-sex spouse. n Designate a same-sex domestic partner. Proof of eligibility requirements apply, including a legally valid marriage certificate, for same-sex spouses. We continue to monitor further guidance from the federal government and will provide updates. Active 2014 Annual Benefits Enrollment Overview 4

6 Health & Well-being American covers the majority of your health care costs. Managing those costs while balancing our budgets is a challenge we all face together. The best strategy begins with making informed choices about your benefit options. We offer three medical options. The monthly contribution cost of these options will vary depending on the administrator you select. You can choose between three administrators in your state Preferred, Tier 1 and Tier 2. The preferred administrator offers the best negotiated rates, that s why you pay less per month. You will pay more for Tier 1 and Tier 2 administrators, but the only difference is the network of doctors. So, why pay more if your doctor is in the preferred administrator s network? COST COVERED SERVICES PREFERRED ADMINISTRATOR TIER 1 & TIER 2 Active 2014 Annual Benefits Enrollment Overview 5

7 Full-Time/Part-Time Employees 2014 MONTHLY CONTRIBUTION COSTS COVERAGE LEVEL STANDARD OPTION CORE OPTION VALUE OPTION Employee Only Preferred: $78.38 Tier 1: $97.98 Tier 2: $ Preferred: $60.48 Tier 1: $75.60 Tier 2: $90.72 Preferred: $ Tier 1: $ Tier 2: $ Employee + Spouse/Domestic Partner Preferred: $ Tier 1: $ Tier 2: $ Preferred: $ Tier 1: $ Tier 2: $ Preferred: $ Tier 1: $ Tier 2: $ Employee + Child(ren) Preferred: $ Tier 1: $ Preferred: $ Tier 1: $ Preferred: $ Tier 1: $ Tier 2: $ Employee + Family* Preferred: $ Tier 2: $ Preferred: $ Tier 2: $ Preferred: $ Tier 1: $ Tier 2: $ Tier 1: $ Tier 2: $ Tier 1: $ Tier 2: $ * Includes you, your spouse or domestic partner and your child(ren). Out-of-Area Option The Out-of-Area option is automatically offered to you if your ZIP code is outside of the coverage areas of a preferred administrator for the Standard, Core and Value options. For more information, visit my.aa.com Active 2014 Annual Benefits Enrollment Overview 6

8 This table (pages 7 through 10) outlines covered services across the Standard, Core and Value options. If you are enrolled in an HMO, contact your plan for information on covered services. American pays 100% of your in-network preventive care under all three medical options. FEATURES STANDARD OPTION CORE OPTION VALUE OPTION Health Spending Account HRA (Health Reimbursement Account) HSA (Health Savings Account) HIA (Health Incentive Account) Compatible with Health Care FSA Limited Purpose FSA Health Care FSA IN- OR OUT-OF-NETWORK: IN OUT IN OUT IN OUT Deductible (Individual/Family) Out-of-Pocket Maximum 2 (Individual/Family) Maximum Medical Benefit $750/$2,250 $3,000/$9,000 $2,000/ $4,000 1 $4,000/ $8,000 1 $300/$900 $1,500/$4,500 $2,000/$5,000 (Does not include deductible) No maximum $6,000/$15,000 (Does not include deductible) $6,000/ $12,000 1 (Includes deductible) $12,000/ $24,000 1 (Includes deductible) 1 If more than one person is covered, the family deductible/family out-of-pocket maximum must be met. 2 For the Standard and Value options, the out-of-pocket maximum includes medical and prescription co-pays and co-insurance. $2,000/$5,000 (Does not include deductible) $6,000/$15,000 (Does not include deductible) Are you an American employee married to another American employee? Enroll in medical, dental and vision coverage separately or as a dependent. Be sure to compare costs you may save more if you enroll separately. If you re already covered under your American spouse s/domestic partner s coverage, you need to waive dependent coverage before you can enroll for yourself. You will have a separate HRA (Health Reimbursement Account) or HIA (Health Incentive Account) regardless of whether you choose separate or joint coverage. Active 2014 Annual Benefits Enrollment Overview 7

9 FEATURES STANDARD OPTION CORE OPTION VALUE OPTION IN- OR OUT-OF-NETWORK: IN OUT IN OUT IN OUT WHAT YOU PAY FOR CARE (Unless noted otherwise, here s how you pay for services after you meet the deductible) MEDICAL Co-insurance 20% 40% 30% 50% 20% 40% Annual Routine Physical Exams $0 40% $0 50% $0 40% Well-child Care $0 40% $0 50% $0 40% Physician s Office (PCP) $30 co-pay 2 40% 30% 50% $20 co-pay 2 40% Specialist Office Visit 20% 40% 30% 50% $40 co-pay 2 40% Urgent Care Clinic 20% 40% 30% 50% $40 co-pay 2 40% Emergency Room $100 co-pay + 20% 1 $100 co-pay + 20% 1 30% 30% $100 co-pay + 20% 1 $100 co-pay + 20% 1 Emergency Ambulance 20% 20% 30% 30% Covered at 100% Covered at 100% Inpatient Hospital 20% 40% 30% 50% 20% 40% (Pre-authorization Required) Outpatient Surgery $30 PCP co-pay 2 or 40% 30% 50% $20 PCP co-pay 2 40% in Physician s Office 20% for specialist or $40 specialist co-pay 2 Outpatient Surgery in a Hospital or Freestanding Surgical Facility 20% 40% 30% 50% 20% 40% Diagnostic X-rays and Labs Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient Pre-admission Testing Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient 40% 30% 50% Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient 40% 30% 50% Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient 40% 40% 1 You must pay the $100 co-pay plus 20% co-insurance based on the full eligible amount. 2 Co-pays do not count toward deductible. Active 2014 Annual Benefits Enrollment Overview 8

10 FEATURES STANDARD OPTION CORE OPTION VALUE OPTION IN- OR OUT-OF-NETWORK: IN OUT IN OUT IN OUT WHAT YOU PAY FOR CARE (Unless noted otherwise, here s how you pay for services after you meet the deductible) MENTAL HEALTH Inpatient Mental 20% 40% 30% 50% 20% 40% Health Care After Deductible Alternative Mental Health Care Center Residential Treatment 20% 40% 30% 50% 20% 40% Alternative Mental Health Care Center Intensive Outpatient and Partial Hospitalization Outpatient Mental Health Care 20% 40% 30% 50% 20% 40% $30 PCP co-pay* or 20% for specialist or hospital 40% 30% 50% $20 PCP co-pay*; $40 specialist co-pay*; 20% for hospital CHEMICAL DEPENDENCY Detoxification 20% 40% 30% 50% 20% 40% Inpatient Chemical Dependency Rehabilitation 20% 40% 30% 50% 20% 40% Outpatient Chemical Dependency Rehabilitation $30 PCP co-pay* or 20% for specialist or hospital 40% 30% 50% $20 PCP co-pay*; $40 specialist co-pay*; 20% for hospital 40% 40% * Co-pays do not count toward deductible. Active 2014 Annual Benefits Enrollment Overview 9

11 PRESCRIPTION DRUGS FEATURES STANDARD OPTION CORE OPTION VALUE OPTION IN- OR OUT-OF-NETWORK: IN OUT IN OUT IN OUT PHARMACY RETAIL (up to 30-day supply) Generic 20% co-insurance ($10 min/ $40 max) Preferred 3 Non-Preferred 3 30% co-insurance ($30 min/ $100 max) 50% co-insurance ($45 min/ $150 max) PHARMACY MAIL (up to 90-day supply) Generic 20% co-insurance ($5 min/ $80 max) Preferred 3 Non-Preferred 3 30% co-insurance ($60 min/ $200 max) 50% co-insurance ($90 min/ $300 max) 20% co-insurance ($10 min/ $40 max) 30% co-insurance ($30 min/ $100 max) 4 50% co-insurance ($45 min/ $150 max) 4 Not covered Not covered Not covered 30% co-insurance after deductible 2 30% co-insurance after deductible 2 30% co-insurance after deductible 2 30% co-insurance $10 co-pay 1 $10 co-pay 1 after deductible 4 30% co-insurance after deductible 4 30% co-insurance after deductible 4 30% co-insurance ($20 min/ $75 max) 50% co-insurance ($35 min/ $90 max) 30% co-insurance Not covered 20% co-insurance after deductible 2 ($0 min/$80 max) 30% co-insurance Not covered 30% co-insurance after deductible 2 ($40 min/ $150 max) 30% co-insurance Not covered 50% co-insurance after deductible 2 ($70 min/ $180 max) 30% co-insurance ($20 min/ $75 max) 4 50% co-insurance ($35 min/ $90 max) 4 Not covered Not covered Not covered 1 Co-pays do not count toward deductible. 2 Certain preventive prescription drugs purchased in-network are not subject to the deductible; co-insurance still applies. 3 If you select a brand drug when a generic is available, you pay the generic co-pay or co-insurance plus the cost difference between generic and brand prices. 4 If you use an out-of-network pharmacy, reimbursement is based on the Express Scripts in-network rate. You pay the full difference. Active 2014 Annual Benefits Enrollment Overview 10

12 You have two options for filling your prescription: 1 Retail: When you need it right away, get your prescription filled at an in-network Express Scripts pharmacy. 2 Mail Order: For prescriptions you take regularly (maintenance medications), sign up to get your 90-day prescription sent right to your mailbox. After your initial purchase plus two refills at a retail pharmacy, you will pay 50% of the drug cost for maintenance medications if you don t move your prescription to mail order. Save time and money call or go online during Annual Benefits Enrollment to SAVE TIME AND MONEY: 90 DAY SUPPLY Save on many diabetes and high blood pressure prescriptions with StayWell Rx 1 Call Healthmatters at to confirm eligibility of your medication and to enroll in the program. 2 Chat with your Health Advocate Team member and learn about ways to better control your condition. 3 Fill your 90-day supply of eligible high blood pressure or diabetes prescription medications through Express Scripts by mail. Active 2014 Annual Benefits Enrollment Overview 11

13 Spend Less Keep more green in your wallet. Use these tips to save money on prescription drugs: $$$ BRAND-NAME $ GENERIC Generic drugs are three times less expensive than brand-name drugs, and work just as well.?! Talk to your doctor about lower cost options for medications you re already taking. Your prescription not on the formulary list for 2014? Find the most effective prescription drug alternative based on the new formulary list. Pay less by contacting Express Scripts online during Annual Benefits Enrollment ( americanairlines). Compare medication costs, manage your individual prescriptions, activate reminders and alerts, and much more. Go to or scan the QR code with your smartphone to download the app from the Android Market, itunes App Store or BlackBerry App World. Active 2014 Annual Benefits Enrollment Overview 12

14 Three Types of Health Accounts Health Spending Accounts and Flexible Spending Accounts help you cover the costs of health care. Remember: You can use the WageWorks Healthcare Card to pay for eligible expenses (similar to a debit card). When you receive it, activate and start using it right away. Otherwise, you ll pay out-of-pocket and be reimbursed (auto-reimbursement) through WageWorks. HRA Health Reimbursement Account HSA Health Savings Account * Medical option Standard Core Value Administered by? WageWorks WageWorks WageWorks HIA Health Incentive Account Do you have 2013 funds available? Here s how your account will open Yes No Yes No Yes No Automatically if you remain enrolled in the same medical option Automatically when you earn Healthmatters Rewards Once you sign the terms and conditions for your new account with WageWorks During enrollment and any time throughout the year Automatically if you remain enrolled in the same medical option Automatically when you earn Healthmatters Rewards Compatible with FSA (Flexible Spending Account) LPFSA (Limited Purpose Flexible Spending Account) FSA (Flexible Spending Account) * You may change your contribution amount for the HSA at any time. In order to transition from PayFlex to WageWorks, the last day to submit claims to PayFlex for reimbursement is Sunday, December 15, Beginning Tuesday, January 7, 2014, submit all claims (including those incurred December 16 January 6) to WageWorks for reimbursement. Active 2014 Annual Benefits Enrollment Overview 13

15 HRA Health Reimbursement Account HSA Health Savings Account HIA Health Incentive Account How is it funded? When are funds available? Earn up to $500 in Healthmatters Rewards Healthmatters Rewards: Earn as you go, beginning January 1, Funded two ways: 1. Earn up to $500 in Healthmatters Rewards 2. Pre-tax payroll deductions 1. You choose how much to deposit up to the 2014 maximums: n Employee Only: $3,050 2 n Employee + Spouse/ Domestic Partner: $6, Family: $6,050 2 n Employee + Child(ren): $6, Healthmatters Rewards: Earn as you go, beginning January 1, As your pre-tax contributions are deducted from your paycheck, the money will be available in your account. Earn up to $500 in Healthmatters Rewards Healthmatters Rewards: Earn as you go, beginning January 1, Can it roll over from year to year? Can I take it with me if I leave American? Yes, as long as you remain enrolled in the Standard or Out-of-Area option Yes, it s your money to keep for current or future health care expenses No Yes No Yes, as long as you remain enrolled in the Value option 1 If age 55 or over: Additional $1, Assumes you will earn the maximum Healthmatters Rewards in 2014: $250 for Employee Only and $500 for Employee + Covered Spouse/Domestic Partner. Important! Remember, the FSA (Flexible Spending Account) is a use it or lose it account. So, be sure to submit your eligible 2013 claims (incurred through the grace period) no later than June 15, The sooner the better. Keep in mind that the maximum amount you can contribute to your Health Care FSA is $2,500. For the Dependent Day Care FSA, the maximum is $2,500 or $5,000 (married, filing jointly). Active 2014 Annual Benefits Enrollment Overview 14

16 American believes when you choose the right benefits and use them wisely, you can improve both your physical and financial well-being. Participate in Healthmatters to help you live well today and into the future. Earn up to $250 in rewards for you and your covered spouse/domestic partner ($500 total) for completing certain health activities. The funds are deposited into your HRA, HSA or HIA. Check out my.aa.com/healthmatters and for details! GOAL ACTION REWARD Assessment Biometric Screening Coaching Complete your Health Assessment $25 Review Health Assessment results with a Health Advocate $50 Get a Quest Biometric Screening $75 Meet 4 of 5 results $100 Complete Online Coaching (initial and follow up) $75 Complete Telephonic Coaching (2 call minimum) $100 Use your 2013 Healthmatters Rewards now or save them for later but don t wait! 2013 Healthmatters Rewards can be earned through October 31, You can begin earning 2014 rewards January 1, Active 2014 Annual Benefits Enrollment Overview 15

17 Smart Choices, Bigger Wallet Bills for doctor appointments and prescriptions can add up quickly. By making smart choices about health care, you ll keep healthy and save money! GENERIC Participate in Healthmatters earn up to $250, and feel great. Request generic drugs and mail order for long-term maintenance medications. Establish a relationship with your primary care provider, this way your doctor knows you, your family and your medical history. Quit tobacco join Knock Out Nicotine and pay $0 for eligible tobacco cessation medications. Active 2014 Annual Benefits Enrollment Overview 16

18 Smile Bright Healthy teeth and gums are important to your overall health, and dental coverage at American (through MetLife) helps you pay for those trips to the dentist. Click your workgroup below to see your dental benefit options: n Management, Support Staff, Agents, Representatives, Planners n TWU-Represented Employees n Flight Attendants n Pilots Active 2014 Annual Benefits Enrollment Overview 17

19 Management, Support Staff, Agents, Representatives, Planners FEATURES Annual Deductible Annual Maximum Benefit for Basic and Major Care Lifetime Maximum Benefit for Orthodontic Care Preventive Care (maximum two visits per year) Basic Care Major Care Orthodontia Treatment YOUR MONTHLY COST COVERAGE $50 per person Employee Only $6.27 Employee + Spouse/Domestic $14.42 Partner Employee + Child(ren) $11.29 Employee + Family $19.44 $1,500 per person $1,500 per person (including adults) PREFERRED PROVIDERS * Plan pays 100%, no deductible Plan pays 80% after deductible Plan pays 80% after deductible Plan pays 50%, no deductible NON-PREFERRED PROVIDERS Plan pays 80% after deductible * Preferred providers offer services at negotiated rates, which can mean significant savings for you. Active 2014 Annual Benefits Enrollment Overview 18

20 TWU-Represented Employees FEATURES Annual Deductible Annual Maximum Benefit for Basic and Major Care Lifetime Maximum Benefit for Orthodontic Care Preventive Care (maximum two visits per year) Basic Care Major Care Orthodontia Treatment YOUR MONTHLY COST COVERAGE $50 per person Employee Only $3.94 Employee + 1 Dependent $7.95 Employee + 2 or More Dependents $11.27 $1,500 per person $1,500 per person (including adults) PREFERRED * AND NON-PREFERRED PROVIDERS Plan pays 100%, no deductible Plan pays 80% after deductible Plan pays 80% after deductible Plan pays 50%, no deductible * Preferred providers offer services at negotiated rates, which can mean significant savings for you. Active 2014 Annual Benefits Enrollment Overview 19

21 Flight Attendants FEATURES COVERAGE OPTION 1 OPTION 2 Annual Deductible $50 per person $50 per person Annual Maximum Benefit for Basic and Major Care $1,000 per person $1,000 per person Lifetime Maximum Benefit for Orthodontic Care Preventive Care (maximum two visits per year) $1,000 per person (children only) $1,000 per person (children only) PREFERRED 1 AND NON-PREFERRED PROVIDERS Plan pays 80% 2 Plan pays 80% 2 Basic Care Plan pays 80% after deductible Plan pays 50% after deductible Major Care Plan pays 80% after deductible Plan pays 50% after deductible Orthodontia Treatment Plan pays 50%, no deductible Plan pays 50%, no deductible YOUR MONTHLY COST Employee Only $2.75 $0.00 Employee + 1 Dependent $5.50 $0.00 Employee + 2 or More Dependents $8.00 $ Preferred providers offer services at negotiated rates, which can mean significant savings for you. 2 Preventive Care benefit updated November 12, Active 2014 Annual Benefits Enrollment Overview 20

22 Pilots FEATURES COVERAGE OPTION 1 OPTION 2 Annual Deductible $50 per person $50 per person Annual Maximum Benefit for Basic and Major Care $1,000 per person $1,000 per person Lifetime Maximum Benefit for Orthodontic Care Preventive Care (maximum two visits per year) $1,000 per person (children only) $1,000 per person (children only) PREFERRED * AND NON-PREFERRED PROVIDERS Plan pays 80%, no deductible Plan pays 80%, no deductible Basic Care Plan pays 80% after deductible Plan pays 50% after deductible Major Care Plan pays 80% after deductible Plan pays 50% after deductible Orthodontia Treatment Plan pays 50%, no deductible Plan pays 50%, no deductible YOUR MONTHLY COST Employee Only $5.50 $0.00 Employee + 1 Dependent $11.00 $0.00 Employee + 2 or More Dependents $16.00 $0.00 * Preferred providers offer services at negotiated rates, which can mean significant savings for you. Active 2014 Annual Benefits Enrollment Overview 21

23 See Clearly Get focused with vision insurance (through Spectera) that helps keep down the cost of glasses, contacts and eye exams. You re seeing right the cost for vision coverage is decreasing for VISION COVERAGE AND CONTRIBUTIONS FEATURES IN-NETWORK OUT-OF-NETWORK Comprehensive Eye Exam $10 co-pay Reimbursement up to $40 Materials $25 co-pay See below Eyeglasses Contact Lenses (in lieu of lenses and frames) YOUR MONTHLY COST Employee Only $5.84 Employee + Spouse/Domestic Partner $11.31 Employee + Child(ren) $11.10 Employee + Family $15.87 Included in your $25 co-pay: n Standard lenses: Single, lined-bifocal, lined tri-focal or lenticular n Frames: Up to $130 retail frames allowance n Lens options: Standard scratch resistant coating, basic progressives, polycarbonate lenses or UV coating Included in your $25 co-pay: n Up to $150 for the evaluation, fitting fees for non-selection contact lenses and two follow-up visits or n Selection of disposable contact lenses (for up to six boxes per year) Reimbursements n Single vision lenses: up to $40 n Bi-focal lenses: up to $60 n Tri-focal lenses: up to $80 n Lenticular lenses: up to $80 n Frames: up to $45 Reimbursements n Up to $150 for elective contact lenses n Up to $210 for medically necessary contact lenses Active 2014 Annual Benefits Enrollment Overview 22

24 Life & Accident Insurance Something Extra Save Smart with $uper $aver Life happens and when it does, it s good to know you re covered. These benefits are designed to provide financial protection for you and your family in the event of disability or death. Life & Accident Insurance American provides basic life insurance to most employees at no cost, and offers voluntary life and accident insurance to all employees. OPTIONS * HOW IT WORKS ADMINISTERED THROUGH Voluntary Term Life Insurance Accidental Death & Dismemberment Insurance Voluntary Personal Accident Insurance (VPAI) You have the option of purchasing Voluntary Term Life Insurance at group rates for you and your family. Accident insurance provides extra security for your family in case of an accidental injury or death. Pilots and Flight Attendants can enroll in VPAI to create an extra security net in the event of accidental injury or death. MetLife Cigna Cigna * Purchase through payroll deductions after tax. Active 2014 Annual Benefits Enrollment Overview 23

25 Life & Accident Insurance Something Extra Save Smart with $uper $aver Income Protection Protect your income with Optional Short-Term Disability Insurance and Long-Term Disability, administered through MetLife. These benefits support you if you become sick or injured and are unable to work for an extended period of time. OPTIONAL SHORT-TERM DISABILITY INSURANCE (OSTD) n Replaces a portion of your salary when you are unable to work due to a non-work related illness or injury. n If you enroll, your election will remain in effect for two calendar years. LONG-TERM DISABILITY (LTD) n Provides an income to you if you are unable to work because of illness or injury. n Pays once you exhaust your Optional Short-Term Disability. n Provides voluntary vocational rehabilitation. n Severe Condition Benefit of $5,000 for serious illness disability. Active 2014 Annual Benefits Enrollment Overview 24

26 Life & Accident Insurance Something Extra Save Smart with $uper $aver Something Extra There s something for everyone. Take a look at the new Voluntary offerings available. During Annual Benefits Enrollment, visit or call for complete details and to apply for coverage. PLAN OR BENEFIT Hyatt Legal * Group Homeowners and Automobile Insurance NEW: Veterinary Pet Insurance (VPI) LifeLock Discounted Identity Theft Protection NEW: Unum Group Accident Insurance NEW: Unum Critical Illness Insurance DESCRIPTION Provides representation for everyday legal matters. Shop your Home and Auto Insurance options with MetLife, Liberty Mutual or Travelers. Use the Comparative Rate tool and complete one application to receive quotes from participating companies. It s that simple. Keep your pet healthy get a group discount on premiums through VPI. Coverage is offered for a variety of medical problems and conditions related to accidents and illnesses for dogs, cats, birds and other exotic pets. LifeLock is America s leading identity theft protection service. The experts at LifeLock provide monitoring services 24/7 to safeguard your personal information both online and off, helping to protect you from identity theft before it happens. (Not offered through payroll deductions.) Pays benefits based on the injury you receive and treatment you need, including emergency room care. It can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and co-pays. Annual Benefits Enrollment is the only time you can enroll for accident insurance. Family coverage is also available. Helps protect your finances from the expense of a serious health problem, such as a stroke or heart attack and cancer. You re eligible to get coverage on a guarantee issue basis (up to $15,000 for employees and $5,000 for spouses) only during Annual Benefits Enrollment. Guarantee issue means the right to purchase insurance without physical examination. Physical conditions (past or present) are not considered. You must be covered by comprehensive health insurance before applying for group critical illness insurance. * You remain enrolled from year-to-year, unless you cancel coverage during Annual Benefits Enrollment. Annual Benefits Enrollment is the only time you can enroll for Hyatt Legal coverage. During Annual Benefits Enrollment, visit or call for details. Active 2014 Annual Benefits Enrollment Overview 25

27 Life & Accident Insurance Something Extra Save Smart with $uper $aver Save Smart with $uper $aver It s never too late or too early to start saving for retirement. $uper $aver is your retirement plan to help build your financial future. Put pre-tax, after-tax or Roth 401(k) money aside through convenient payroll deductions. For most employees, American will match your pre-tax and/or Roth 401(k) contributions dollar for dollar up to 5.5% of your eligible pay after completing one year of eligibility service. You ll receive the match every pay period you contribute. (contributions are different for pilots). Take time now to find out how the plan works, and enjoy more time in retirement: n Choose how much you want to contribute. n Save through convenient payroll deductions. n Receive the Company match up to 5.5% of eligible pay. n Decide how to invest your savings. You may change your contributions or investment elections at any time. IF YOU RE ALREADY CONTRIBUTING Consider designating at least 5.5% of your pay to take advantage of the full Company match (once you re eligible). IF YOU RE NOT CONTRIBUTING Visit to get started today, or call J.P. Morgan at Be sure to review your beneficiary designation If you named a beneficiary in your will, you still need to make a separate designation for your retirement account even if it s the same person. Visit to update or add a beneficiary. Active 2014 Annual Benefits Enrollment Overview 26

28 Life & Accident Insurance Something Extra Save Smart with $uper $aver Invest in Your Future You can invest your account in a wide variety of funds. If you do not make your own investment elections, your contributions and the Company match will be automatically invested in the Moderate Pre-mixed Portfolio option (the plan s qualified default investment alternative). You can change your investment election at any time by contacting J.P. Morgan or Find More Information and Helpful Tools: n Go to my.aa.com/en/super-saver-plan-401k for all the details. n Visit J.P. Morgan at for interactive tools and personal investment advice: The Retirement Dream Machine translates your account balance into a personalized estimate of annual retirement income stated in today s dollars. The Personal Online Advisor provides a step-by-step action plan to help you choose investments and how much you may want to invest in each one. The J.P. Morgan Personal Asset Manager can create a customized investment strategy for you. There is a fee for this service, but it may be less than what you would pay elsewhere. n Call from 7 a.m. to 7 p.m. CST. Active 2014 Annual Benefits Enrollment Overview 27

29 Life & Accident Insurance Something Extra Save Smart with $uper $aver It Adds Up IF YOU CONTRIBUTE AN ADDITIONAL: 1% of Eligible Pay (an extra $33.33/month) 2% of Eligible Pay (an extra $66.66/month) TOTAL ADDITIONAL SAVINGS AFTER 5 YEARS TOTAL ADDITIONAL SAVINGS AFTER 15 YEARS $2,400 $10,600 $27,000 $4,800 $21,100 $54,000 TOTAL ADDITIONAL SAVINGS AFTER 25 YEARS This example assumes: n You earn $40,000 a year. n Contributions are made at the end of each month. n Your account earns a 7% rate of return, compounded monthly, which is reinvested. The example, provided by J.P. Morgan Retirement Plan Services, is for illustration purposes only and doesn t represent a particular investment product. This information is for education only and is not meant to provide tax or investment advice. Active 2014 Annual Benefits Enrollment Overview 28

30 Time to Decide Enroll Now What if I Don t Enroll? Contacts Important Notices Time to Decide We re making it simple check out all the information, tools and resources we offer to help you make smart choices during Annual Benefits Enrollment (November 1 15, 2013). All are available on my.aa.com n CALCULATE IT My Benefits Cost Estimator Estimate you and your family s personal medical expenses and view a side-by-side cost comparison of each medical option. n FIND YOUR WAY TO THE FACTS Health Care Reform Made Simple See the Health Care Reform Made Simple website ( now and use the password active (or access the site from my.aa.com). n WATCH HOW IT WORKS HRA, HSA and HIA Videos See exactly how each of the spending accounts work. n NAVIGATE SMOOTHLY Preferred Administrator Map Find your state s preferred administrator. Active 2014 Annual Benefits Enrollment Overview 29

31 Time to Decide Enroll Now What if I Don t Enroll? Contacts Important Notices Enroll Now Enroll by November 15, 2013, 11:59 p.m. CST ENROLL NOW REMEMBER The choices you make during Annual Benefits Enrollment are effective January 1 through December , unless you experience a life event. For example: n Marriage n Divorce n Birth or adoption of a child n Your dependent becomes ineligible for coverage Get started! You ll need your Jetnet password. Remember, proof of eligiblity is required. Active 2014 Annual Benefits Enrollment Overview 30

32 Time to Decide Enroll Now What if I Don t Enroll? Contacts Important Notices What if I Don t Enroll? We ll do it for you check the chart below for all the information. IF YOU Are currently enrolled in American benefits Are currently enrolled in an HMO plan for which you re no longer eligible for in 2014 AND, YOU DON T ENROLL IN MEDICAL COVERAGE DURING ANNUAL BENEFIT ENROLLMENT Your current benefit elections will continue for 2014, at the same coverage level for you and your currently covered dependents. You will default to Core option at the same coverage level you and your covered dependents currently have. WHAT IF NO FSA/HSA ELECTION IS MADE? Any previous FSA/HSA elections will be reset to $0 for HOW ABOUT MY OTHER BENEFITS? Your remaining benefit elections will continue for 2014, at the same coverage level you have in 2013 for you and your currently covered dependents. Live in a state where the preferred administrator is changing Your current benefit elections will continue for 2014, at the same coverage level for you and your currently covered dependents. Your preferred administrator depends on the alternate address you have on file with American review the map on page 2. Any previous FSA/HSA elections will be reset to $0 for Your remaining benefit elections will continue for 2014, at the same coverage level you have in 2013 for you and your currently covered dependents. Have waived coverage You will default to no coverage (waived) for N/A Your remaining benefit elections will continue for 2014, at the same coverage level you have in 2013 for you and your currently covered dependents. Active 2014 Annual Benefits Enrollment Overview 31

33 Time to Decide Enroll Now Contacts Use this chart all year long to see your important contacts. IF YOU WANT TO CONTACT What if I Don t Enroll? Contacts Important Notices n Find benefits information, forms, contact lists and links to plan administrators websites n Get information on life events n Enroll online n See current benefit election summary n Find Summary Plan Descriptions (SPD) n Check online claim status and details n Compare hospitals and medical costs n Find a doctor n Order and print ID cards n Ask dental coverage questions n Check dental claims n Print ID card n Find information about your Health Spending Accounts and Flexible Spending Accounts n Ask coverage questions and find additional information n Print ID card my.aa.com HR Services (8 a.m. - 5 p.m. CST, Monday Friday) UnitedHealthcare Aetna BlueCross and BlueShield of Texas (even if you don t live in Texas) MetLife WageWorks WAGEWORKS ( ) Beginning January 1, 2014: Active 2014 Annual Benefits Enrollment Overview 32

34 Time to Decide Enroll Now What if I Don t Enroll? Contacts Important Notices IF YOU WANT TO n Ask vision coverage questions and find additional information n Print ID card n Get answers to retirement planning and savings questions n Find retirement planning information n Enroll and make changes to contributions or investment elections n Find pharmacy information and a list of preventive drugs n Review formulary and drug costs n Find out more about Healthmatters, including your eligibility and to enroll in the program CONTACT Spectera (8 a.m. to 11 p.m., Saturday, 9 a.m. to 6:30 p.m., EST) $uper $aver Express Scripts During Annual Benefits Enrollment only: Healthmatters my.aa.com/healthmatters n Review and enroll in voluntary offerings Something Extra Active 2014 Annual Benefits Enrollment Overview 33

35 Time to Decide Enroll Now What if I Don t Enroll? Contacts Important Notices Important Notices Summary of Benefits and Coverage American Airlines is required to provide you the Summary of Benefits and Coverage ( SBC ) and the Uniform Glossary ( UG ). We ve created a separate SBC for each of the self-funded medical benefit options that will become effective on January 1, 2014, and the UG applies to all these options. You can use the SBCs and the UG as quick references for what benefits are available in each option, and an explanation of terms used in benefit plans. To access the SBCs and UG, go to Benefits Service Center when enrolling in medical coverage. About This Overview DISCLAIMER: This is an overview of your benefit options. The complete provisions of the plans are set forth in the plan documents, available for review from Your Health Resources under Official Plan Document and Summary Plan Description or contact HR Services. If the information in this overview is inconsistent with the plan documents, the plan documents will govern. This overview is not intended as a contract of employment or a guarantee of current, past or future employment. The plan sponsor(s) reserve the right to amend or terminate each plan at any time. Active 2014 Annual Benefits Enrollment Overview 34