Your health is in your hands

Transcription

1 Your health is in your hands General Dynamics Mission Systems is here to help Know your options Make a plan Take action

2 2017 Annual Enrollment At GDMS, we know nothing is more important than taking care of your health and the health of your loved ones. Offering benefits is one way GDMS can help protect you and your world. It s time again to explore your GDMS benefits as we move into our 2017 Annual Enrollment period. Please take a moment to: 1. Learn what s changing for Download the Healthy Rewards app if you haven t done so already. 3. Make sure you re making the most of the tools and resources offered by our Healthy Partners. Enroll between November 15 and December 1 2

3 It s time to enroll! Your Annual Enrollment Benefit Choices: Medical (including Prescription Drug) Dental Vision Health Savings Account (HSA) Flexible Spending Accounts (FSA) Disability Insurance Life Insurance Critical Illness Insurance Accident Insurance Personal Purchased Time Off (PPTO) Identity Theft Protection Legal Services If you are on a leave of absence (LOA) or on Long-Term Disability (LTD), you may not be able to change your coverage for all benefits during Annual Enrollment. If you are on paid LOA or unpaid LOA with GD-sponsored medical benefits, you can access the Healthy Rewards app. Go to gdbenefits.com for more information. 3

4 What s new? Changes for 2018

5 Know your options What s new in 2018 Thank you for your responses to the employee engagement survey. This information helped us learn what is important to you. We re working hard to meet your needs and are proud to announce these two exciting additions to GDMS benefits. You ve asked, and we ve answered For the first time, we will now be offering parental leave for all new parents! Both mom and dad will be eligible for one week of paid parental leave and mom will get another week as a supplemental benefit to recover from childbirth. Applied Behavior Analysis (ABA) therapy will be a covered service under GDMS medical plans. We have joined several other GD business units to offer this unique, comprehensive therapy. We believe this early engagement approach can be life-changing for our affected families. 5

6 Know your options What s changing in 2018 Introducing WageWorks! In response to employee feedback, we spent this last year interviewing replacements for our current Health, Dependent Care, and Commuter Flexible Spending Account vendor. We are happy to announce Wageworks will be the new administrator. WageWorks will bring new and exciting tools that will make managing your FSA easier than ever. Access your account at wageworks.com or by using the new WageWorks mobile app Submit photos of your receipts via the WageWorks app 24/7 access to your account via computer, tablet or phone. Spend unused funds in the FSA Store Add funds directly to your SmarTrip or MBTA Metro cards 6

7 Know your options What s changing in 2018 GDMS remains committed to paying at least 80% of your healthcare premium. In 2018, GDMS will spend over $100 million providing important benefits to you and your family. However, rising drug cost have caused some increases. In 2018, you will see: An increase in your portion of the healthcare premium (averaging 3.7%) For the first time since 2013, PHA Annual Deductibles and Out-of-pocket maximums In Network may increase up to $200 Out-of-Network up to $400 We appreciate you and your family taking advantage of the no-cost preventive care through our medical plans, it has helped keep us at or below the national trend. 7

8 Medical Plans-At-a-Glance Know your options ENHANCED AND NON-SEEDED PERSONAL HEALTH ACCOUNT PHA E OR PHA NSE STANDARD PERSONAL HEALTH ACCOUNT PLAN PHA S CORE PERSONAL HEALTH ACCOUNT PLAN PHA C In-network Out-of-network In-network Out-of-network In-network Out-of-network HSA Deposit Employee Only/Employee + Dependent % You Pay for Preventive Medical or Prescription* Care Your Annual Deductible Employee Only Employee + Dependent(s) Coinsurance (the % you pay for most services after you meet the ) Your Annual Out-of-Pocket Maximum Employee Only Employee + Dependent(s) $600 /$1200 (Enhanced) $0/$0 (Non-Seeded Enhanced) N/A 0% 30% 0% 50% 0% 0% $1,600 $3,200 $3,200 $6,400 $2,700 $5,400 $5,400 $10,800 $6,350 $12,700 N/A $12,700 $25,400 10% 30% 30% 50% 0% 0% $2,500 $5,000 $5,000 $10,000 $4,100 $8,200 $8,200 $16,400 $6,350 $12,700 $12,700 $25,400 What you pay for: Office Visit, Inpatient, Outpatient, Imaging, Lab Services, etc. 10% after 30% after 30% after 50% after 0% after 0% after Specialist Visit 10% after 30% after 30% after 50% after 0% after 0% after Prescriptions at a Preferred Retail Location** or Mail Order (generic, formulary, nonformulary) 10% after Not covered 20% after Not covered 0% after Not covered Retail Prescriptions in the Prime Therapeutics Network (generic, formulary, nonformulary) 30% after Not covered 40% after Not covered 0% after Not covered *Visit the GDMS Benefits website for a list of covered preventive drugs **Preferred Retail Locations include: Kmart, Kroger/Sam s Club, Target, Walgreens, and Walmart. 8 Consult the Summary Plan Descriptions for more details on the table above.

9 2018 HSA and FSA Contributions Make a plan Contribution Limit Catch-up Contribution (Age 55 or older) Health Savings Account Employee Only Coverage $3,450 Annually Employee + Dependent Coverage $6,900 Annually Healthcare (Full and Limited Purpose) FSA Dependent Care FSA $2,600 $5,000 per household Annually $1,000 N/A N/A N/A Rollover Yes, all funds Yes, up to $500 No No Commuter FSA $260/month mass transit $260/month qualified parking Things to remember: You must be enrolled in a GDMS medical plan to open an HSA You nor the company may contribute to an HSA if you are enrolled in Medicare or Tricare 9

10 Know your options What s changing in 2018 Healthy Partners expand their reach Not enrolled in a GD medical plan? Now you can still participate in Healthy Rewards! Starting on January 1, download the Healthy Rewards app powered by Jiff to track your healthy activities (fitness activities, nutrition and sleep) and participate in wellness challenges. New dermatology care through MDLIVE* Starting in 2018, you can access MDLIVE s national network of boardcertified dermatologists anytime via your phone, tablet or computer to diagnose and treat most skin, hair and nail conditions without waiting for an appointment. New opportunity to access support from Omada If you are at risk for diabetes or heart disease, Omada has broadened its qualification criteria for support. If you did not qualify last year, consider taking assessment again in *The cost is just $59 until you reach your ; other visits for non-emergency issues such as fever or allergies remain at $38 before. Ovia Health s new parenting support tool helps you with your most important job Starting on January 1, you can access Ovia Health s new parenting app to help you track and celebrate your children s milestones and development. Get in shape and eat healthy with the 7-Minute Workout and Yo-Fi Wellness apps Download free online workout and recipe videos through the Healthy Rewards app. Even if you are not enrolled in a GD medical plan, you can still download the videos and get healthy! 10

11 Know your options What s changing in 2018 Prim has merged with Walgreens Mail Service As of September 30, 2017, Prime Therapeutics Prim prescriptions are now filled by Walgreens Mail Service. What you need to know: There will be no change to the service phone numbers or hours of operation You ll continue to receive refill reminders If you re prescribed Specialty Drugs, you may need to validate your personal or medical information, resubmit a HIPAA authorization form, and provide your credit card information when filling your next prescription (to protect your financial data, Prim did not move your credit card information) The website for accessing your mail order prescription drug information has changed: Walgreens.com/ Prim 11

12 Know your options What s changing in 2018 GDMS protects you and your world through FREE income protection benefits such as Basic Life, Basic AD&D, and Business Travel Accident. You may also want to expand these benefits by electing supplemental coverage. New rates for life insurance and disability 2018 rates for Spouse or Child Life Insurance, Long-Term Disability Insurance Buy Up, and Employee Supplemental, Spouse or Child AD&D are increasing. As a reminder, those benefit costs are based on your own age and salary and may adjust automatically each year. Log onto gdbenefits.com to see rates for 2018 and learn more about your voluntary benefits Still not enrolled in Critical Illness or Accident Insurance? If you enroll during Annual Enrollment this year, you won t need to provide evidence of good health. This will be the last year the evidence of good health requirement will be waived. For more information on this benefit, go to gdbenefits.com. 12

13 Know your options 2018 What s Changing? What s not changing? Introducing Parental Leave ABA therapy will now be a covered medical service New FSA vendor: WageWorks FSA contribution amounts for healthcare and commuter Average 3.7% healthcare annual premium increase HSA annual contribution limit increase Deductibles and Out of Pocket maximum increases Dermatology services now available via MDLive Omada criteria broadened Ovia Parenting tool added Addition of 7-Minute Workout Yo-Fi as Healthy Partners Prim filled by Walgreens New Life and Disability rates Four medical plans offered Amount of HSA Deposit for Enhanced PHA Spousal Surcharge remains $50/pay period Dental care Vision plan 4 separate FSAs offered Up to 4.5% 401k match Short-Term Disability Long-Term Disability Basic Life and AD&D Accident Coverage Critical Illness Insurance Identity Protection Legal Services Plan Pet Insurance Tricare Supplemental Personal Purchased Time Off $150 Employee Fitness Center Reimbursement 13

14 Healthy Rewards, Healthy Partners, Healthy YOU Are you maximizing all of the tools and resources GDMS offers?

15 GDMS and wellness go hand-in-hand GDMS programs support broader wellness including emotional and financial health. These tools help protect you and your family s well-being. GDMS portion of your health care benefits Healthcare Bluebook HSAs, FSAs and Commuter Accounts Healthy Rewards Life and Disability and voluntary benefits 401(k) with match and the Fidelity Retirement Assessment tool Make a plan Medical, prescription, dental and vision benefit plans Biometric screenings and preventive care Healthy Partners $150 Employee Fitness Center Reimbursement Videos, onsite health coaches, lunch and learns Wellness challenges Resolve 365 (for legal/financial resources, dependent/elder care options, stress management, and support for family issues) Mental health services through MDLIVE 15

16 Download the Healthy rewards app! Better health is at your fingertips Take action 1. Download the free Jiff app on your smartphone from the Google Play or Apple App Store, or visit the Jiff website at on any device. 2. Register your account by entering Wellness as your token. 3. Enter your date of birth (MM-DD-YYYY) and last name to verify your identity. 4. Provide your preferred address and select a password. It s that easy! I started tracking my food just for points on the Jiff app but I soon realized how bad the food was that I was eating. I had no idea how many calories that I took in each day. I have made some changes to what I eat on a daily basis GDMS employee 16

17 Take action Healthy Rewards + Challenges Rewards for completing your 2017 fall biometric screening will come in the form of points in 2018, which can be redeemed for a gift card or any other option offered in the Rewards Center REMEMBER: If you earned Healthy Rewards points in 2017, be sure to redeem them in the app no later than 12/15/2017. Points earned between 12/16/17 12/31/2017, will count towards

18 Make a plan Healthcare Bluebook and MDLIVE Quality care while protecting your wallet now only a few clicks away 18

19 Make a plan Hello Heart and Omada Get the upper hand on your health issues I like the ease of using Hello Heart my blood pressure number downloads and I don t have to remember it or write it down. My doctor likes it too. GDMS employee 19

20 Make a plan Grand Rounds Get FREE advice on your diagnosis and treatment options The response was quick, thorough, and most importantly, individualized and focused specifically on my personal needs. I received guidance that otherwise would have not been addressed for many months. GD employee 20

21 Make a plan Ovia Health and Resolve 365 The support you need at any stage of the journey 21

22 Take action Yo-Fi and 7 Minute Workout Videos for fun, fitness and fabulous food 22

23 Reminders Are you making the most of your money?

24 HSAs and FSAs Save You Money Make a plan If you enroll in a PHAP, you are eligible for: Health Savings Account (HSA) and Limited Purpose Health Care Flexible Spending Account (FSA) HSA s offer Limited Purpose FSAs work with HSAs -- cover annual out-of-pocket dental and vision expenses If you waive GD medical coverage or do not make or receive HSA deposits, you are eligible for: Full Use Health Care FSA 24

25 It s Time to Enroll Ready to make all of your benefit choices for 2018?

26 Know your options Ask Alex Make a plan Take action The best way to utilize GDMS benefits to protect you and your family is to know what you have and select what meets your individual needs. Let Alex point you in the right direction. Ask Alex is your virtual benefits counselor. Alex automatically appears when you log in to gdbenefits.com and guides you through the enrollment process using a series of interactive questions. No jargon. No legalese. Just answer a few questions about your personal situation and Ask Alex will provide you with individualized suggestions that will help you make smart decisions along the way. 26

27 Know your options Questions? Make a plan Take action GDMS Protecting You and Your World 27

28 Take action How to Enroll When you re ready to enroll, go to gdbenefits.com Don t forget that your Fidelity log-in information for your health care is the same as the username and password for your General Dynamics 401(k) retirement plan account. If you do nothing With the exception of your HSA, FSA or Commuter Account, your current 2017 elections will remain in place for GDMS strongly encourages all employees to actively participate in Annual Enrollment. Enroll between November 15 and December 11 You may be prompted to complete Evidence of Insurability (EOI) based on the life insurance coverage(s) you elect. If you prefer not to complete EOI online, a form will be mailed to you. You must complete and return the form to the insurance company within the timeframe provided or you will receive the maximum coverage allowed under the plan without EOI. 28