Looking Ahead. Get Ready for NAF Open Enrollment November 4 29, News and Updates to Help You Prepare for Open Enrollment FSC

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1 Att: FA-T (Beefits) PO Box Dallas, Texas Get Ready for NAF Ope Erollmet November 4 29, 2013 FSC CCG DoDAAFES-0007-A (10/13) 2013 Aeta Ic. Lookig Ahead News ad Updates to Help You Prepare for Ope Erollmet

2 Departmet of Defese Noappropriated Fud Health Beefits Program Welcome to Ope Erollmet Ope Erollmet is your time to cosider the beefit choices that will best meet your persoal ad family eeds i the year to come. Iformatio ad updates about your DoD NAF Health Beefits Program (DoD NAF HBP) are outlied i this ewsletter ad more detailed iformatio is olie at Below are the actios you ca take durig Ope Erollmet. Watch for your ew ID card I this issue: I 2014, all Exchage employees ad spouses/same sex domestic parters erolled i the DoD NAF HBP will receive a ew ID card i the mail. To make sure your ew ID card reaches you, check ad update your home address i Employee Self Service uder Persoal i the Persoal & Work sectio. Remember, as a DoD NAF HBP participat, you ca log i to your secure Aeta Navigator website at to prit extra or temporary ID cards. Plus, with the Aeta Mobile app, you ca view your ID card (frot ad back) o your smartphoe or other web-eabled device. Get Ready for Ope Erollmet: November 4 29, 2013 Ope Erollmet is your opportuity to make health beefit choices ad chages, which iclude: Joiig the DoD NAF HBP if you are ot already erolled. Switchig plas. For example, if you are curretly erolled i aother employer-sposored pla, you may switch to the DoD NAF HBP. Addig or removig eligible depedets from your coverage. Note: Social Security umbers are required for all depedets erolled i the DoD NAF HBP. Please update your records with your local HR office. Electig the Health Care ad/or Depedet Care (Daycare) Flexible Spedig Accouts (FSAs). It s importat to remember that 2013 FSA electios do ot carry over to You must elect to participate i FSAs each year, as well as elect a ew aual cotributio amout. The electios you make durig Ope Erollmet will take effect o Jauary 1, Not makig chages? If you do t eed to make ay chages to your medical ad detal plas, you do t eed to complete the erollmet process. But you ll wat to read o for beefits ews ad updates for the comig year. If you wat to elect or cotiue your Health Care or Depedet Care (Daycare) FSA, you do eed to complete the erollmet process. For details ad to eroll, visit 1

3 The DoD NAF HBP Iformatio is Olie The DoD NAF HBP website provides oe coveiet place to lear about your plas ad how to eroll ad/or make chages. At you ll fid detailed iformatio about: Medical plas: The Aeta Ope Choice PPO Pla, the Aeta Traditioal Choice Idemity Pla ad the Aeta Iteratioal Traditioal Choice Pla. Detal plas: The Aeta Passive PPO Detal Pla, the Aeta Iteratioal Detal Pla ad the Aeta Stad Aloe Detal Pla (for those who wat detal coverage without erollig i a employer-sposored medical pla). Flexible Spedig Accouts (FSA): Remember, you must elect oe or both FSAs each year if you wat to participate. Curret FSA electios do ot roll over year to year. You ca view pla brochures, beefit charts ad detailed Summary Pla Descriptios for the plas available to you. There is also iformatio specific to the Exchage, such as erollmet istructios, cotact iformatio, forms ad referece documets. The website walks you through your pla iformatio, step by step. Whe you are ready, you ca go to the Exchage sectio of the site durig the Ope Erollmet period for additioal iformatio ad erollmet istructios. Makig Your Electios At work: Away from work: Go to the Exchage home page Go to Click o Quick Liks the Self Service Your User ID for ebeefits is your TSS ID ( Y umber) Eter your TSS ID ( Y umber) ad password The first time you visit, click o create or reset your password Click o ebeefits uder Family & Beefits from the ebeefits log i scree ad create a ew password by providig your User ID, the last 4 digits of your Social Security umber ad your birth date. Questios? If you have questios about the ebeefits website or about ay of your beefit optios, please cotact the Huma Resources Support Ceter (HRSC) betwee 0600 ad 1900 hours (CST), Moday through Friday at: DSN: hrsc@aafes.com Your 2014 Health Pla Cotributios The chart below shows your bi-weekly 2014 medical ad detal cotributios for the Aeta plas. You ll be pleased to kow that oly miimal premium icreases are ecessary for the comig year. This is the direct result of DoD NAF employees takig steps to help cotrol costs. Your wise health care decisios ad everyday choices make a fiacial differece for you, your family ad your fellow DoD NAF employees Bi-Weekly Premiums Pla Idividual Coverage Family Coverage 2 Medical Pla (3.5% icrease) $72.09 $ Detal Pla (o icrease) $ 4.36 $ Medical ad Detal $76.45 $ Stad Aloe Detal Pla (2.6% icrease) $18.44 $ premiums for available HMOs (if applicable) ca be obtaied by visitig ebeefits.

4 2014 Health Pla Chages The charts below show the 2014 aual medical deductible: Aeta Ope Choice PPO Pla If you elect coverage for: Idividual Family of 2 Family of 3 or more Your 2014 deductible will be: $400 i-etwork; $1,000 out-of-etwork $800 i-etwork; $2,000 out-of-etwork $1,200 i-etwork; $3,000 out-of-etwork Aeta Traditioal Choice Pla, icludig Aeta Iteratioal If you elect coverage for: Your 2014 deductible will be: Idividual $400 Family of 2 $800 Family of 3 or more $1,200 Flexible Spedig Accouts Update If you are erolled i a Health Care Flexible Spedig Accout (FSA) or pla to eroll for the comig year, there s good ews. Now you will have a debit card to pay for eligible expeses. Oce you eroll durig this year s Ope Erollmet period, you will receive a statemet cofirmig your 2014 FSA electios. It will iclude helpful iformatio about how to set up direct deposit, fid accout iformatio olie ad set up enotify (to customize your accout otificatios) all with the help of our ew FSA admiistrator, PayFlex. I late December, you ll receive a PayFlex MasterCard debit card. It ca be used as either a credit or debit card to pay eligible health care expeses. You ll also receive iformatio o activatig the card ad settig up a PIN (for debit use), plus aswers to frequetly asked questios. The you ll be ready to go olie to maage your FSA with coveiet e-tools. At the PayFlex website, you will be able to: View real-time FSA accout iformatio Submit claims for reimbursemet Order debit cards for spouses ad depedets See a listig of eligible health care expeses Read News You Ca Use articles about legislative chages, accout-specific updates, quick tips, ad more. View ad customize accout alerts web ad If you are erolled i a Aeta medical or detal pla, you will be able to lik to the PayFlex site from your Aeta Navigator home page. If you do t have a Aeta medical or detal pla, you ca access the site directly at At the PayFlex website, you ca also dowload a PayFlex Mobile app for your iphoe, Adroid TM smartphoe*. Access accout alerts ad activity, claim iformatio ad beefit pla details wherever you go. *Adroid ad Google Play are trademarks of Google, Ic. Apple, the Apple logo, ad iphoe are trademarks of Apple Ic., registered i the U.S. ad other coutries. App store is a service mark of Apple, Ic. Iformatio about Other Isurace Plas Basic Life Isurace o rate chage for 2014 Supplemetal Life Isurace o rate chage for 2014 Spouse Life o rate chage for 2014 Child Life o rate chage for 2014 At ay time durig the year you may eroll or make chages to these plas: Life Isuraces* Disability Icome* Persoal Accidet Isurace 401(k) Retiremet Savigs Pla *Proof of good health may be required before coverage begis. 3

5 Health Care Reform Update I March 2010, Cogress passed the Patiet Protectio ad Affordable Care Act, also kow as Health Care Reform (HCR). Provisios of the law are beig phased i each year util There s a ew sectio o dedicated to HCR. Look for it o the avigatio bar. You will fid required otices, additioal ews about chages to your coverage resultig from HCR legislatio ad other iformatio about how HCR may impact you. Pediatric visio The essetial health beefits for your DoD NAF HBP will expad to iclude pediatric visio coverage. Effective Jauary 1, 2014, covered depedet childre up to age 22 will have oe pair of basic frames ad leses covered at 100% with o copay (i ad out of etwork). Basic frames ad leses have specific visio codes associated with them called V codes. The V codes idicate what is covered. I order to have this beefit paid at 100%, you may have to pay for the frames ad leses out-of-pocket ad submit a claim to Aeta for reimbursemet of the covered charges. Out-of-pocket maximum Aother chage effective Jauary 1, 2014, is that all i-etwork medical, behavioral health ad pharmacy member cost-sharig must apply toward the out-of-pocket (OOP) maximum. This meas that the followig costs will ow cout toward your OOP limit: PCP ad specialist copays, emergecy room copays, ipatiet per cofiemet fees, pharmacy copays ad 3rd tier pharmacy coisurace. You will still be resposible for the deductible, copays ad cofiemet fees, but the costs will go toward your total aual OOP maximum. Oce your share of the cost for i-etwork copays, coisurace ad per cofiemet fees reaches the applicable OOP maximum, the pla pays the covered expeses at 100% for the remaider of the caledar year. Please ote that the $150 adult member prescriptio eyewear allowace, bariatric surgery coisurace, premiums, balace billig amouts from o-etwork providers ad o-covered services do ot cout towards your OOP maximum. These chages are highlighted as NEW o the Summary of Beefits o Visit the ew HCR sectio o the website for more iformatio, icludig a flyer called Health Care Reform What does it mea to you? To lear more about Health Care Reform ad to see a timelie, visit Ear More Health Icetive Credits I 2014, NAF HBP participats will agai be able to ear Health Icetive Credits by completig certai healthy actios. You ll ow have five additioal ways to ear credits ad more credits to ear. The maximum a idividual ca ear will icrease from $100 to $150, ad the family maximum will icrease from $300 to $450. Credits will be automatically applied to your deductible or coisurace, to help reduce your out-of-pocket expeses. For more details about the healthy actios ad the icetives, visit For employees ad depedets over age 18 You ear a credit of $50 whe you complete or update the Simple Steps To A Healthier Life olie health assessmet, available o Aeta Navigator ( Your covered depedets, age 18 ad above, also may ear the credit by completig or updatig the health assessmet. You ll ear $50 whe you receive your aual routie physical exam (well-adult or well-woma exam). NEW! You ll ear $50 whe you complete the Simple Steps To A Healthier Life olie program NEW! You ll ear $50 whe you complete of the Persoal Health Record Walk-Me-Through Tool NEW! You ll ear $50 for eterig data ito Persoal Health Record Health Tracker NEW! You ll ear $50 for eterig data ito a Persoal Health Record Physical Activity Tracker NEW! You ll ear $50 for respodig to items o the Member Health Egagemet Pla (MHEP) For depedets uder age 18 Your depedets uder the age of 18 ca ear $100 by havig a well-child exam. New! Aeta Pharmacy Advisor Begiig i Jauary 2014, a ew program Aeta s Pharmacy Advisor will put you i touch with registered pharmacists who ca help you maage your medicatio ad health coditios. They provide oe-o-oe support by phoe to help you get the most out of your prescriptio medicatios. To talk with a Pharmacy Advisor, call toll-free at

6 Importat Websites DoD NAF Health Beefits Program ebeefits At work: Exchage Home Page (h2.aafes.com) (Quick Liks > Self Service > your TSS ID ( Y umber) ad password > ebeefits) Away from work: Eter your TSS ID ad ebeefits password. Visit the Beefits Portal (Quick Liks > Beefits Iformatio) for this pla iformatio: Summary of Beefit Charts ad pla brochures for medical ad detal plas Basic Life Isurace for regular part-time ad regular full-time associates Disability Icome Pla Flexible Spedig Accouts (FSAs) Log Term Care Persoal Accidet Isurace Aeta Navigator At home or at work: Frequetly Called Numbers Huma Resources Support Ceter (HRSC) DSN: Aeta DoD NAF Medical ad Detal Pla (overseas) or (overseas collect) Aeta Maaged Disability Pla (overseas) Prudetial Log Term Care Pla Aeta Flexible Spedig Accouts (FSAs) Fidelity 401(k) Pla Persoal Accidet Isurace Aeta Life Isurace Your Life, Your Health Your DoD NAF employer provides the beefits ad programs described i this ewsletter with Your Life, Your Health i mid. Take the time to lear about all the programs ad services that are available to you. Visit the ew DoD NAF Health Beefits Program website at This ewsletter highlights the key features of the DoD NAF Health Beefits Program. It does ot attempt to cover all pla details, which are cotaied i the official Pla Documets ad isurace cotracts that gover the operatio of the various plas withi the program. Please referece the Summary Pla Descriptio (SPD) for a complete descriptio of beefits, exclusios, limitatios ad coditios of coverage. Should there be ay coflict betwee the iformatio i this ewsletter ad the provisios of the legal documets ad cotracts, the terms of those documets ad cotracts will cotrol. Receipt of this ewsletter is ot a promise of a beefit or etitlemet to a beefit. If this iformatio was received i error, please disregard. 5