BENEFITS FOR LEGACY US AIRWAYS PRE-65 RETIREES. #GoingForGreat

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1 BENEFITS FOR LEGACY US AIRWAYS PRE-65 RETIREES LIVE #GoingForGreat BEST LIFE

2 BENEFITS AMERICAN AIRLINES OFFERS YOU AN ARRAY OF BENEFITS TO HELP YOU LIVE YOUR BEST LIFE MEDICAL WELLNESS PROGRAM VOLUNTARY BENEFITS NEW IN 2016: BlueCross BlueShield of Texas will replace Anthem as the medical administrator in all BlueCross BlueShield states. Express Scripts will replace CVS/caremark as the prescription drug administrator.

3 MORE INFORMATION This guide provides an overview of the benefits available to you for You can find more information about your 2016 benefits on the Benefits page of Retiree Jetnet (retirees.aa.com). You can also contact the Benefits Service Center at Monday Friday, 9 a.m. 6 p.m. (CT). 1

4 BENEFITS 2016 Annual Enrollment is October 12 23, What You Need to Do REVIEW This guide provides an overview of your 2016 medical options. Log in to the Benefits page of Retiree Jetnet (retirees.aa.com) to find more information, tools and resources to help you make smart choices. You ll find: Administrator Map For 2016, there will be two administrators: UnitedHealthcare (UHC) and BlueCross BlueShield of Texas (BCBS). Find your state to see your administrator in Network Providers Find your in-network doctors, hospitals and facilities and link to Express Scripts online to see if your prescriptions are available in generic, preferred or non-preferred. Get all the information you need on your American Airlines options from the Benefits page on Retiree Jetnet. You can also explore your OneExchange options at or call Monday Friday from 7 a.m. to 8 p.m. (CT). DECIDE Based on your individual needs, determine if you want to make changes to your current American Airlines elections, or perhaps enroll in an external plan through OneExchange, during Annual Enrollment. If you don t, no other action is required your 2015 coverage choices will carry over into

5 SMART ENROLL Review and make changes to your current elections by logging in to the Benefits Service Center via Retiree Jetnet or beginning October 12, Be sure to submit changes by October 23, 2015, 11:59 p.m. (CT). Call the Benefits Service Center at if you have any questions. Representatives are available Monday Friday from 9 a.m. to 6 p.m. (CT). THIS IS YOUR CHANCE TO CHANGE HEALTH COVERAGE FOR 2016 Annual Enrollment is your chance to change your medical coverage election for Before making a decision, carefully consider all of your alternatives, such as options available through OneExchange or the State Marketplace. If you do not make changes, your current 2015 elections will carry over to Please note that if you drop medical coverage for any reason, you cannot re-enroll for retiree benefits at American. 3

6 BENEFITS OneExchange Retiree Medical Options American has partnered with OneExchange a private insurance marketplace from Towers Watson to offer you and your dependents health care coverage on the individual market. OneExchange offers a wide variety of plans (including dental and vision plans) and carriers plans that may have better coverage and/or lower costs than you re paying today and will have to pay in 2016 if you remain in an American option. OneExchange Benefit Advisors can help you: Choose a plan during Annual Enrollment. Choose a plan later in 2016 if you or a spouse become eligible for Medicare. Find out if you are eligible for a federal subsidy if you purchase a State Marketplace plan through OneExchange. Get answers to questions throughout the year, and even help you with claims and work with carriers on your behalf. Learn more about your options through OneExchange at or call Monday Friday from 7 a.m. to 8 p.m. (CT). 64

7 HEALTHY American Medical Options For 2016, you can choose coverage in a private insurance marketplace called OneExchange, or you can choose coverage in one of three American Pre-65 retiree medical options. LEGACY US AIRWAYS RETIREE MEDICAL OPTIONS Copays apply for in-network doctor office visits. Your medical administrator UHC or BCBS is determined based on your address of record. Express Scripts manages prescription drug coverage. Lower costs when you use in-network providers. DROP 2016 COVERAGE THROUGH DECEMBER 31 You can drop 2016 medical coverage even after enrollment ends by calling the Benefits Service Center at Representatives are available Monday Friday, 9 a.m. 6 p.m. (CT). 5

8 BENEFITS MEDICAL OPTIONS PPO Options PPO 80 IN-NETWORK OUT-OF-NETWORK Annual Deductible Individual $450 $900 Family $900 $1,800 Annual Out-of-Pocket Maximum 1 Individual $3,000 $6,000 Family $6,000 $12,000 What You Pay (after the deductible, except where noted) Coinsurance 20% 40% Office Visit $25 2, no deductible 40% Specialist and Urgent Care $40 2, no deductible 40% Emergency Room $100 2, waived if admitted 1 Includes deductible and coinsurance, but not copays. 2 Does not apply to the annual deductible or out-of-pocket maximum. 6

9 HEALTHY PPO 90 PPO 100 IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK $225 $450 $225 $450 $450 $900 $450 $900 $1,500 $3,000 $225 $3,000 $3,000 $6,000 $450 $6,000 10% 30% 0% 20% $25 2, no deductible 30% $25 2, no deductible 20% $40 2, no deductible 30% $40 2, no deductible 20% $100 2, waived if admitted $100 2, waived if admitted 7

10 BENEFITS MEDICAL OPTIONS (CONTINUED) Prescription Drugs PPO 80/90/100 What You Pay With No Deductible Retail (up to 30 days) IN-NETWORK OUT-OF-NETWORK Generic 2 $15 1 Preferred $30 1 Non-Preferred $50 1 Not covered Mail (up to 90 days) Generic 2 $30 1 Not covered Preferred $60 1 Non-Preferred $ Does not apply to the annual deductible or out-of-pocket maximum. 2 Some generic drugs are available through mail order for a $10 copay for up to a 90-day supply. PRESCRIPTION COVERAGE Prescription coverage for all the options is provided through Express Scripts. For in-network services, you must show your Express Scripts ID card at the pharmacy when filling prescriptions. Coinsurance is based on the Express Scripts negotiated rate. 8

11 HEALTHY WHAT YOU PAY FOR MEDICAL COVERAGE Aon Hewitt administers the direct bill process. Below are the monthly costs for coverage: PPO 80 PPO 90 PPO 100 Retiree Only $ $1, $1, Retiree + Spouse $1, $2, $3, Retiree + Children $1, $2, $3, Retiree + Family $2, $3, $5, CONTACTS BlueCross BlueShield of Texas bcbstx.com UnitedHealthcare myuhc.com Express Scripts express-scripts.com 9

12 BENEFITS NEW HEALTH CONDITION MANAGEMENT PROGRAM Team up with a condition management nurse to help you live your best life! Do you or a covered family member have a long-term (chronic) health problem? Health Condition Management programs are available to pre-65 retirees and covered spouses/domestic partners enrolled in the PPO 80/90/100 medical options. When you join a UHC or BCBS Health Condition Management program, you can: Work one-on-one with a personal nurse you can trust. Learn more about your health condition. Make a plan for managing your health today and in the future. Feel better and get more out of life. To learn more or to join a Health Condition Management program in 2016, call the customer service number on the back of your medical ID card. 10

13 HEALTHY 2016 Wellness Program Participate in our new wellness program, provided through WebMD, to start living well and feeling better today. Programs are available to pre-65 retirees and covered spouses/domestic partners enrolled in the PPO 80/90/100 options. You can work with a WebMD coach to address any lifestyle goals in the way you feel most comfortable. Look for more information about the new 2016 wellness program early next year. 11

14 BENEFITS Voluntary Benefits American offers a number of voluntary benefits that help you live your best life. As a retiree of US Airways, you are eligible for these benefits, too. Here is a summary of what s available in BENEFIT WHEN TO ENROLL HOW YOU PAY Hyatt Legal Plan Now through December 31, 2015 Credit card, check Auto & Home Insurance Anytime Credit card, electronic funds transfer or direct bill VPI Pet Insurance Anytime Credit card, debit card LifeLock Identity Theft Protection Anytime Credit card, must use promo code AAEMP1 when enrolling To enroll or get answers to your questions about your American 12

15 YOUR WAY COVERAGE OVERVIEW The plan costs just $ annually, and provides representation, unlimited phone advice and office consultations on a wide variety of personal legal matters such as: Estate planning Sale or purchase of primary residence Family law Uncontested divorce Immigration assistance Document review/preparation Receive money-saving discounts on your auto and home insurance. Compare quotes on competitive coverage from three leading national carriers: MetLife Auto & Home Travelers Liberty Mutual Covers a multitude of medical problems and conditions, and a wide range of services. Visit any veterinarian worldwide, even specialists or emergency providers. Provides monitoring services 24/7/365 to safeguard your personal information both online and off, helping to protect you from identity theft before it happens. voluntary benefits, go to AAaddedbenefits.com or call 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 the Benefits page on Wings under Summary Plan Descriptions (SPDs) or on the Benefits page of Retiree Jetnet, or contact the Benefits Service Center at 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) reserves the right to amend or terminate each plan at any time. 13

16 BENEFITS ENROLL OCTOBER 12 23, 2015 HAVE QUESTIONS ABOUT YOUR AMERICAN BENEFITS? Contact the Benefits Service Center at HDQ P.O. Box MD 5141 DFW Airport, Texas PRESORTED FIRST-CLASS MAIL U.S. POSTAGE PAID ROCHESTER, NY PERMIT NO. 491