2018 BENEFITS PROGRAM AND ENROLLMENT GUIDE - NAVY EXCHANGE SERVICE COMMAND MISSION:YOU - NAF Health Plans
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MISSION:YOU NAVY EXCHANGE SERVICE COMMAND 2018 BENEFITS PROGRAM AND ENROLLMENT GUIDE CHARTING A COURSE FOR A HEALTHY FUTURE
YOUR 2018 BENEFITS ENROLLMENT GUIDE
IN THIS GUIDE: PAGE Dear Associate,
As a valued member of the NEXCOM Enterprise, we provide
you with a first-class compensation and benefits package. We
Who is Eligible? 1 review our benefit programs on an annual basis to ensure you
are receiving a package that provides high value at a competitive
Open Enrollment: cost. Few employers today provide the comprehensive plans that
November 6 – December 1, 2017 2 NEXCOM offers, which include medical, dental, vision, life and
disability, along with our pension and 401(k) programs.
Your 2018 Health Plan Contributions 2
This enrollment guide highlights the 2018 benefits package that is
available to you. Whether you are just joining NEXCOM or if you
Medical Benefits 3
are looking for Open Enrollment information, this guide is a great
resource that can be used throughout the year.
Prescription Drug Benefits 4
The 2018 Open Enrollment Period for Medical/Dental and the
Aetna Health and Wellness Programs 5 Biennial Enrollment for Long Term Disability and Life Insurance
plans run concurrently from November 6 – December 1, 2017.
Dental Benefits 6 Read the guide carefully and make your choices wisely.
Here are a few exciting developments I want to highlight:
Medical and Dental Coverage
• F
or the first time in seventeen years, there will not be an
After Retirement 6
increase in premiums for the Aetna Medical/Dental Plan.
There will be a slight increase in the Stand Alone Dental Plan.
Flexible Spending Accounts 7
• T
he Health Care Flexible Spending Account Maximum has
Health Plan Online Resources 8 increased to $2,600.
• T
he 2018 Aetna Medical & Dental Enrollment Video is available
Disability Benefits 9 at www.nafhealthplans.com.
As always, your Human Resources team is available to assist you
Life Insurance Benefits 10
in the enrollment process. Thank you for all that you do each day
to support our sailors and families!
Long Term Care Insurance 12
EAP Program 12
Retirement Plans 13
Robert J. Bianchi
Rear Admiral, Supply Corps, USN (Ret.)
End-of-Life Planning Services 13
Chief Executive Officer
Navy Exchange Service Command
Contacts and Resources Back Cover
YOUR NEXCOM BENEFITS PROGRAM —
CHART YOUR COURSE
Who Is Eligible?
Benefits Plan Regular Regular Additional Initial Enrollment After Initial
Full-Time Part-Time Eligibility Time Frame Enrollment
Requirements Time Frame
Medical/Dental Within 31 days of hire date Open Enrollment
3 3 or attaining eligibility.
Stand Alone Dental Not enrolled in Within 31 days of hire date Open Enrollment
3 3 Medical/Dental Plan or attaining eligibility.
Flexible Savings Account Within 31 days of hire Open Enrollment
(HFSA/DFSA) 3 3 date. For continued
participation, must
re-enroll during Annual
Enrollment. Enrollments
or plan changes are not
accepted from October 1
through December 31.
Short-Term Disability* Enrollment is automatic. N/A
3
Long-Term Disability* Within 31 days of hire date. Biennial Enrollment
3 (subject to insurance
company approval)
Long Term Care (subject Enroll anytime through Enroll anytime through
to insurance company 3 3 the FLTCIP only. (Subject the FLTCIP only. (Subject
approval) to insurance company to insurance company
approval) approval)
Basic Group Life Within 31 days of hire date. Biennial Enrollment
Insurance* 3 (subject to insurance
company approval)
Optional Group Life Regular full-time Within 31 days of hire date. Biennial Enrollment
Insurance 3 3 associates must be (subject to insurance
enrolled in Basic company approval)
Group Life
Dependent Group Enrolled in Basic Within 31 days of hire date Biennial Enrollment
Life Insurance* 3 Group Life Insurance or acquiring a dependent. (subject to insurance
company approval)
Pension If not auto-enrolled, Automatic enrollment for Any pay period thereafter
3 3 complete one year new hires. Earn one year
of cumulative regular credited service first year
service (after August 1, 2015).
401(k) 18 years of age Enroll at any pay period. Enroll at any pay period.
3 3
*Regular full-time associates who are involuntarily converted to regular part-time status may continue to participate in the plans.
When Are You Eligible?
If you are a new hire or newly eligible associate, you may enroll in benefits during your eligibility period. Your
eligibility period is the 30- or 31-day period starting on the day you are hired or otherwise become eligible
for benefits. If you don’t enroll during your eligibility period, you’ll need to wait until the next Open Enrollment
or Biennial Enrollment period, as applicable. You may enroll in the 401(k) plan any time after attaining eligibility.
New hires are automatically enrolled in the NEXCOM Pension Plan. Contributions will begin after your one year
anniversary. You may opt-out anytime by completing an opt-out form.
1
2018 OPEN ENROLLMENT
FOR MEDICAL AND DENTAL PLANS
NOVEMBER 6 – DECEMBER 1, 2017
During Open Enrollment, you may make medical and dental plan choices and changes. You can join or
switch from one plan to another. You can add dependents (supporting documentation is required) or
remove dependents from your coverage. You cannot add dependents or drop coverage during the year
unless you have a qualifying event (e.g., marriage, divorce, adoption, birth of a child). Please refer to the
Summary Plan Description if you have questions. You have 31 days from the time of the event to take action.
Otherwise, you must wait for the next Open Enrollment.
Want to learn more about your benefits?
Watch the Enrollment Video at www.nafhealthplans.com today!
Your 2018 Aetna Medical & Dental Plans Contributions
Aetna Medical includes medical, prescription, and vision coverage. You may enroll in Aetna Medical only,
Aetna Medical and Dental, or Aetna Dental if you are enrolled in a NEXCOM sponsored HMO. If you are
not enrolled in a NEXCOM sponsored medical plan (Aetna or HMO), you may enroll in Stand Alone Dental.
Below are your 2018 biweekly contribution rates:
Tier Medical Dental Medical & Dental Stand Alone Dental
Employee only $77.33 $4.50 $81.83 $16.61
Employee + child(ren) $149.24 $8.68 $157.92 $37.36
Employee + spouse $178.63 $10.38 $189.01 $33.21
Employee + family $236.63 $13.76 $250.39 $53.97
www.nafhealthplans.com
Visit the DoD NAF website at
www.nafhealthplans.com for detailed
information about the medical and
dental plans administered by Aetna.
The NEXCOM page also contains Aetna
and HMO comparisons.
You will find up-to-date information about
the many programs, resources and online
tools that are part of your plan. You’ll
also find information about the Flexible
Spending Accounts and the Health
Incentive Credit program.
The site is designed to give you
quick and easy-to-use access from
any device.
Watch videos, get wellness tips,
and much more.
2
MEDICAL BENEFITS
NEXCOM’s health benefits are offered as part of the Department of Defense (DoD) Nonappropriated
Fund (NAF) Health Benefits Program (HBP). Health benefits include medical, vision and prescription
drug coverage. The following Aetna medical plans and benefits are available based on where you live:
Aetna Choice® POS II Traditional Choice®
(including Aetna
In-Network Out-of-Network
International)
Annual Deductible
• Individual $500 $1,500 $500
• Family of 2 $1,000 (2 times individual) $3,000 (2 times individual) $1,000 (2 times individual)
• Family of 3 or more $1,500 (3 times individual) $4,500 (3 times individual) $1,500 (3 times individual)
Out-of-Pocket Maximum
• Individual $4,000 $8,000 $4,000
• Family of 2 $8,000 (2 times individual) $16,000 (2 times individual) $8,000 (2 times individual)
• Family of 3 or more $12,000 (3 times individual) $24,000 (3 times individual) $12,000 (3 times individual)
Preventive Care* 100%, no copay Not covered 100%, no deductible
Primary Care $30 copay 60% after deductible 80% after deductible
Physician (PCP) Visit
Specialist Visit $45 copay 60% after deductible 80% after deductible
Walk-in Clinic 100% after $30 copay 60% after deductible 80% after deductible
Urgent Care Center 100% after $30 copay 60% after deductible 80% after deductible
Emergency Room (ER) 90% after $350 ER copay 90% after $350 ER copay 80% after deductible
(waived if admitted); no (waived if admitted); no
calendar year deductible calendar year deductible
Teladoc®** $10 N/A $10
*Routine colonoscopies and other outpatient procedures may be subject to the maximum allowable amount. Please call Aetna Member
Services for more information at 1-800-367-6276.
**Teladoc is not available in all states or overseas.
Health Maintenance Organizations (HMOs) may also be
available to you as an alternative to the Aetna medical
plans, depending on where you live. HMOs provide medical
and prescription drug coverage to eligible associates living
in specific areas. HMOs are available in: Tidewater, VA,
San Diego/Central CA, Hawaii, Baltimore/Washington
DC, the Pacific Northwest, and Guam. Ask your local HR
representative for details about HMOs in your area.
Visit www.nafhealthplans.com to view comparisons of
Aetna and the HMO available in your area (if applicable).
Find medical and dental plan details online
Go to www.nafhealthplans.com, to view the
plan(s) you are eligible for based on your ZIP
code. You will also find details about the health
plan(s) and other related information.
3
PRESCRIPTION DRUG BENEFITS
When you enroll in an Aetna medical plan, you will also have prescription drug benefits. There are four
levels, or “tiers,” of benefits as shown in the chart below:
Short-Term Prescriptions: Long-Term Prescriptions:
Drug Tier Any network pharmacy for Aetna Rx Home Delivery or Maintenance
up to a 30-day supply: Choice, up to a 90-day supply***
Tier One – Generic Drugs $10 copay per prescription $20 copay per prescription
Tier Two – Preferred brand-name drugs $35 copay per prescription $70 copay per prescription
35% of negotiated price** 35% of negotiated price**
Tier Three – Non-preferred
The minimum you pay per prescription is $60; The minimum you pay per prescription is $120;
brand-name drugs*
maximum is $125 maximum is $250
40% of negotiated price**
Tier Four – Specialty Drugs The minimum you pay per prescription is $60; N/A
maximum is $125
*Your pharmacy will automatically fill your prescription with a generic drug, if one is available. Learn more about the Choose Generics Program
at www.nafhealthplans.com>Health Benefits>Pharmacy Program.
**Participating pharmacies agree to charge discounted prices for prescriptions filled by Aetna members. Your share of Tier Three and Tier
Four drug costs is a percentage of these discounted (or “negotiated”) prices.
***With Maintenance Choice, you can get a 90-day supply of maintenance medications listed on the Maintenance Medicine List, by using
either The Aetna Rx Home Delivery mail-order pharmacy or a CVS pharmacy near you. After two fills at your local retail pharmacy, you will
pay the full cost of the drug if you choose to continue to receive a 30-day supply.
Filling short-term prescriptions Maintenance Choice®
When you need to fill a short-term prescription, you Maintenance medications are those used on a regular
can get up to a 30-day supply of medication at retail basis to treat or manage conditions such as asthma,
pharmacies that belong to the Aetna network. Take diabetes, high blood pressure or high cholesterol.
your prescription and your Aetna medical ID card to With the Maintenance Choice program, you may fill
any participating pharmacies located in the United a 30-day supply of a maintenance drug, listed on the
States, Puerto Rico, Guam and the U.S. Virgin Islands. Maintenance Medicine List, at any retail pharmacy in
Depending on the type of drug prescribed, you pay the Aetna network two times. Thereafter, maintenance
your share of the cost in full at the time of purchase. drugs are to be filled in 90-day levels.* You have
To find a participating pharmacy near you, go to a choice of how you want to fill your maintenance
www.aetna.com > Find Care. prescriptions:
• U
se Aetna’s Rx Home Delivery mail-order
Filling long-term prescriptions program. To get started with the service, call
Use Aetna’s Rx Home Delivery® mail-order program 1-888-RX AETNA (1-888-792-3862), or
to save on medications you need on a regular, long- • F
ill your 90-day prescription at your local CVS
term basis. You may order a 31- to 90-day supply and pharmacy. To find a local CVS pharmacy, log in
enjoy the convenience of home delivery. Shipping is to www.aetna.com > Find Care
free and the packaging is confidential. You can order
*If you continue to fill your ongoing maintenance drugs with
a 90-day supply of medication for what you would pay a 30-day supply, you will have to pay the full cost of the drug.
for a 60-day supply at a participating retail pharmacy.
Note: Not all maintenance drugs are on the list.
Visit the Maintenance Medicine List to see if your
The Exclusions Drug List
maintenance drugs fall under these provisions. Go
Your prescription program has an Exclusions Drug to www.nafhealthplans.com > Health Benefits >
List which lists drugs that are not covered. This list also Pharmacy Program.
shows the preferred alternative drugs that are covered
that may be less expensive and just as effective. To
view the list, visit www.nafhealthplans.com > Health
Benefits > Pharmacy Program.
4
AETNA HEALTH AND WELLNESS PROGRAMS
When you enroll in an Aetna medical plan, you can take advantage of special programs that help you live
healthier. Simple Steps To A Healthier Life® is an online program that can help you lose weight, deal with
stress, get a better night’s sleep and more. You start by completing the online health assessment, then
receive a health report and action plan.
Aetna also offers a variety of voluntary wellness programs including disease management, tobacco cessation
and a 24/7 phone line staffed with Registered Nurses.
You can earn incentive credits. Aetna members can earn Health Incentive Credits to help with your share
of covered medical expenses. The chart below shows the activities you can complete to earn credits to be
applied to your deductible or coinsurance expenses.
Activity Health Incentive Credit amount
You and your covered spouse must complete the Health Assessment to earn any incentives. No activities will earn an
incentive until the assessment is completed.
Employees and covered spouses
Complete biometric screening before November 30, 2018 $150 each
Disease Management (DM) goal* — complete 3 calls with a $100 each
DM nurse
Complete online Journey® (average time 32 days) $50 each up to 4 Journeys
Dependent children under age 18
Complete preventive exam for children under age 18 $50 for each child per year
For all activities, you can earn up to the calendar year maximum of $250 for employee only or $600 for employees
that cover dependents.
*This program is not available to overseas employees.
The Health Assessment: A requirement before you What is metabolic syndrome?
can earn Health Incentive Credits
Metabolic syndrome is a group of five risk factors that
You and your covered spouse must complete the Health raise your risk of developing conditions such as heart
Assessment first in order to earn any of the Health disease and diabetes. A biometric screening measures
Incentive Credits. None of the other activities will earn the following key indicators: 1) blood pressure
credits until you have completed the assessment. The 2) blood sugar 3) triglycerides 4) waist circumference
Compass® Health Assessment is a questionnaire that and 5) HDL cholesterol. If three or more of these
takes just 10 minutes to complete. You answer questions measurements are too high, you may have metabolic
about personal and family health history, lifestyle habits, syndrome. It is important to start working to reduce
recent health screening results and other health factors. any risk factors you may have now in order to prevent
To take the assessment, log in at www.aetna.com > a serious health condition, such as a heart attack or
Stay Healthy > Complete Your Assessment. Note: stroke. In many cases, these factors can be positively
Dependent children are not required to complete the impacted by lifestyle changes, such as regular
Health Assessment. exercise and eating a healthy diet.
Earned Health Incentive Credits are applied
automatically to your deductible or coinsurance*
amounts. For more information, visit
www.nafhealthplans.com > Wellness > Health
Incentive Credit Program.
*Health Incentive Credits are not applied to copay amounts.
Copays are flat fees paid for certain types of expenses, such
as prescription drugs.
5
DENTAL BENEFITS
MEDICAL AND DENTAL COVERAGE
AFTER RETIREMENT
NEXCOM Offers Two Dental Plans
The Aetna PPO Network Dental Plan or International The Stand Alone Dental Plan. If you only want dental
Dental Plan. When you enroll in an Aetna medical benefits, you can choose the Stand Alone Dental Plan.
plan (or an HMO plan) you are eligible to enroll in This plan cannot be combined with any of the Aetna
the PPO Network Dental Plan. With this plan, you medical plans offered under the DoD NAF Health
may visit any licensed dentist and be reimbursed Benefits Program or with a NEXCOM-sponsored
for your qualified dental care expenses. For CONUS HMO plan.
associates, you can save when you use dentists You will find detailed information about each of these
who belong to Aetna’s dental network, since plans at www.nafhealthplans.com.
those dentists provide their services at lower,
Aetna-negotiated rates. You can find participating
dentists at www.aetna.com > Find Care.
PPO Dental/International Dental Stand Alone Dental
Annual Deductible
• Individual $100 $100
• Family of 2 $200 $200
• Family of 3 or more $300 $300
Annual Maximum Benefit $2,500 $2,000
Preventive Care 100%, no deductible 100%, no deductible
Basic Care 80% (fillings, root canal, extractions) 80% (fillings, extractions)
Restorative/Major Care 50% (inlays, crowns, bridgework) 50% (root canal, inlays, crowns, bridgework)
Orthodontia Coverage 50%, no deductible; $2,000 lifetime maximum, 50%, no deductible; $1,500 lifetime maximum,*
includes TMJ appliances excludes TMJ appliances
Oral Surgery (dental in nature) 100% off first $1,000, then 80% thereafter Not covered
TMJ Coverage 50%, no deductible; $750 lifetime maximum Not covered
*12-month waiting period for members who enrolled on or after 1/1/2010.
Medical and Dental Coverage After
Retirement
You and your dependents may be eligible to
continue medical only, or medical and dental
coverage after you retire. To continue coverage,
you must be enrolled in the medical and dental
plan on the day before retirement and have
15 years of accumulated participation in a DoD
NAF-sponsored medical and dental plan or
HMO, and be the recipient of an immediate NAF
Annuity (from The Retirement Plan).
Note: The Stand Alone Dental Plan does not
continue after retirement.
6
FLEXIBLE SPENDING ACCOUNTS
With a Flexible Spending Account (FSA), you can set • F
or eligible expenses that require substantiation,
money aside to pay yourself back for certain types of PayFlex, our FSA administrator, makes it easy
expenses. There are two types of FSAs: to substantiate these expenses and file claims.
• A
Health Care Flexible Spending Account (HFSA) Register and log in at www.payflex.com, then
is used for eligible health care expenses. These click the link for the Financial Center. Here you
include medical, prescription drug, dental and vision can file paperless claims and upload your receipts.
care expenses you pay out of your own pocket. Download the PayFlex Mobile® app from the site
and you can do it all with your smartphone or other
• A
Dependent Care Flexible Spending Account
mobile device. Enter your claim information, take a
(DFSA) is used for eligible dependent care
photo of the receipt and you’re done.
expenses. These include expenses for child
(up to age 13) or adult day care, preschool and • R
eal-time account balances, account alerts
after-school programs. and other information is also available online
at www.payflex.com. In addition, you can check
Tax Advantages your FSA balance and log in to PayFlex directly
from www.aetna.com.
When you enroll in an FSA, you will set an annual
contribution amount for the coming year. This
Annual HFSA Carryover and
amount will be divided into equal amounts and
DFSA “Use It or Lose It” Rule
deducted from your biweekly pay before taxes
are withheld — reducing your taxable income and You may carry over up to $500 of unused HFSA
what you pay in taxes. contributions into the next plan year. This money will
be available for eligible health care expenses in addition
HFSA Basics to your regular contributions. Any amounts remaining in
your HFSA exceeding $500 will be forfeited.
Minimum Annual Contribution = $200
The $500 carryover rule does not apply to DFSA.
Maximum Annual Contribution = $2,600
However, there is a grace period provision that
Annual election amount is available the first day of the plan year. allows you to spend down unused DFSA dollars
DFSA Basics until March 15th of the following calendar year. After
that, DFSA monies remaining in your account will be
Minimum Annual Contribution = $200
forfeited. You have until April 30th to file your claims.
Maximum Annual Contribution = $5,000
Before you enroll, evaluate your health care and/
Contributions must be in your DFSA before you can be or dependent care expenses for the coming year.
reimbursed for your eligible expenses.
Find Full Details on FSAs Online
HFSA Features
Visit the DoD NAF Benefits website at
If you enrolled in an HFSA, you will receive a debit www.nafhealthplans.com or PayFlex at
card “loaded” with the full amount you have elected www.payflex.com to learn more about FSAs.
to contribute to your FSA account during the current
You can also manage your FSA on the go with the
plan year. This debit card has the following features
PayFlex Mobile app. Use this free app to access your
and benefits:
account, check on your claims, view transaction
• Works
just like a credit card for authorized details and more. Look for it in your app store and
expenses. download it for access from almost anywhere.
• S
ome expenses paid with the debit card will require
substantiation (i.e., send receipt/Explanation of If you want to participate in one or both FSA(s) for
Benefits to PayFlex®) to verify that the purchase/ 2018, you must take action during Open Enrollment
service was for an authorized HFSA expense. (November 6 – December 1, 2017). Current FSA
• N
o substantiation needed for medical plan copays, elections do not automatically renew year to year.
or Rxs purchased at an IIAS certified merchant. Contact your local HR representative to enroll or
A complete list of IIAS certified merchants can be re-enroll.
viewed at www.payflex.com.
7
HEALTH PLAN ONLINE RESOURCES
Aetna Navigator at www.aetna.com Maximum Allowable Amount
Aetna Navigator is your secure member website These are standard prices for certain outpatient
where you can take care of benefits related tasks, services. These price limits apply to facility costs
locate in-network providers, view your Explanation for procedures that include colonoscopies and
of Benefits (EOB), look up costs of procedures and endoscopies, CT scans and MRIs, hernia surgeries,
prescription costs, and much more. To use Aetna tonsillectomies, cataract surgeries and others. When
Navigator, log in or register at www.aetna.com and you have one of these procedures, the plan pays up
click “Log In/ Register.” to the maximum allowable amount toward facility
For health on the go, download the free Aetna costs for the service. You pay any facility costs
mobile app to be able to access the best features above this amount.
of Aetna Navigator from your mobile device. To These procedures show little to no variation in quality
download the app, text Apps to 23862 or visit regardless of where the procedure is performed. But
www.aetna.com/mobile. there can be a wide variation in cost, so your plan
will only pay covered expenses up to a maximum
Find network providers online allowable amount.
To locate doctors, hospitals, specialists, dentists Contact Aetna Member Services at 1-800-367-6276
and pharmacies who participate in Aetna’s network, for more information about these procedures. To see
use DocFind, Aetna’s online provider directory. a list of outpatient procedures and their maximum
To access DocFind: allowable amounts, log in at www.aetna.com > See
Go to www.aetna.com > Find Care. Coverage & Costs > Financial Overview > Medical
balances & limits. Then, scroll to the bottom to see
Enjoy the convenience of Teladoc the page for the Maximum Allowable Amount chart.
Teladoc gives you access to U.S. board-certified
doctors and pediatricians over the phone or video To minimize your out-of-pocket costs, use
chat for just a $10 copay. You and your covered facilities that charge at or below the maximum
family members can use Teladoc to get treatment allowable amount.
for non-urgent medical issues such as ear infections,
bronchitis, respiratory infections and more. Register
with Teladoc today so you’re ready when you need
care. Call 1-800-Teladoc (1-800-835-2362) or visit
www.teladoc/aetna.
Teladoc is not available in all states and overseas.
8DISABILITY BENEFITS
If you are a regular full-time associate, you are eligible Long-Term Disability (LTD)
for disability benefits to help replace lost income when
You are eligible to enroll in LTD within 31 days of
you are not able to work because of a disabling
your employment or attainment of regular full-time
illness or injury. There are two types of disability
status. If you enroll within this 31-day period, you
insurance available to you:
don’t need to provide medical evidence to join the
plan. You must be actively at work on the effective
Short-Term Disability (STD) date of coverage or be in an approved leave status
STD is provided at no cost immediately upon your for reasons other than disability to be eligible
employment or attainment of regular full-time for LTD benefits. Otherwise, coverage begins on
employment status. STD benefits start two months the first day you return to work. You pay for LTD
after you become disabled or once you have used insurance according to your biweekly earnings.
up sick leave, whichever happens later. To receive LTD pays benefits when your disability lasts longer
benefits, you must be unable to perform the duties than the period covered by STD. After 24 months
of your occupation. STD benefits are integrated of combined STD and LTD benefits, you must be
with your sick leave benefit. If you have 4 months unable to perform the duties of any occupation
or more sick leave in your account, no separate STD you are qualified for through training, education or
benefits will be paid. experience, in order to continue receiving benefits.
The chart below shows how benefits are paid: Your benefits are reduced by any Social Security
benefits and NEXCOM Retirement Plan benefits*
Benefit Waiting Period Two months or exhaustion of sick
leave, whichever is later
you may be receiving.
Benefit Amount 60% of basic monthly earnings The chart below shows how benefits are paid:
Benefit Duration Four months Benefits Begin Seventh month of disability
Benefit Amount 60% of basic monthly earnings
Cost $0
Benefit Duration Up to age 65 if disabled prior to age 62.
If disabled after age 62, benefits are paid
for a reduced period of time.
Cost $0.209 per $100 of biweekly earnings
(e.g., $1,000 biweekly: 10 x $0.209 =
$2.09 per pay period)
*Applies only to associates age 62 or older. If 62 or younger,
you must make a decision to keep LTD benefits or retire.
9LIFE INSURANCE BENEFITS
Three Life Insurance plans are available to help you Optional Group Life and Accidental Death
protect your family’s financial security. & Dismemberment Insurance (OGL)
For full-time and part-time associates
Basic Group Life and Accidental Death &
Dismemberment Insurance (BGL) OGL insurance pays a benefit based on your annual
earnings. You have 31 days from your date of hire or
For full-time associates only
the day you become eligible to join OGL without
BGL insurance pays a benefit based on your annual providing medical evidence of good health.
earnings. You have 31 days from your date of hire
Note: Regular full-time associates must enroll in BGL
or the day you become eligible to join BGL without
to enroll in OGL.
providing medical evidence of good health.
You may elect OGL coverage equal to 1, 2 or 3 times
Your BGL benefit is equal to one times your basic
your basic annual earnings rounded to the next higher
annual earnings rounded to the next $1,000 plus
$1,000. The cost of coverage is based on your age,
$2,000. Here’s an example of how the cost for
and increases in five-year increments, as shown below:
coverage is determined:
If basic annual earnings are $25,500: Cost per $1,000 Coverage
BGL benefit = $26,000 + $2,000 = $28,000
under age 25 $0.032
Cost $0.05 per $1,000 of coverage
25 – 29 $0.037
$0.05 x $28 (per thousand) = $1.40 per pay period
30 – 34 $0.046
Biennial Enrollment Period Life Insurance 35 – 39 $0.051
Coverage 40 – 44 $0.072
If you do not enroll in Life Insurance plans when 45 – 49 $0.106
you first become eligible, you may apply during any
50 – 54 $0.157
Biennial Enrollment period. The Biennial Enrollment
period is held in November every two years (always 55 – 59 $0.268
an odd-numbered year). The Biennial Enrollment 60 – 64 $0.360
period is November 6 - December 1, 2017. If you do
not enroll during this time, you will not be able to 65 – 69 $0.595
enroll until November 2019. Enrollment during this 70+ $0.960
period requires medical evidence of good health,
and is subject to approval by the insurance carrier.
Example
John is 40 years old and his basic Rounded up to the next
annual earnings = $25,500. thousand = $26,000.
He elected OGL 2 x earnings
$26 (per thousand) x $0.072 x 2 (2 times his benefit)
= $3.744 per pay period
10LIFE INSURANCE BENEFITS
Dependent Life Insurance At Retirement
For full-time associates enrolled in BGL If you are enrolled in BGL or OGL insurance at
Dependent Life Insurance lets you cover your spouse retirement and have participated for 15 or more years,
and unmarried dependent children up to the age coverage will be continued at no cost when you retire.
of 26. There are three benefit options, and the cost After retirement, your BGL coverage will be reduced
is based on your age. You have 31 days from your by 25% at ages 66, 67 and 68. Your OGL coverage will
date of hire, the day you become eligible to elect be reduced to 25% of your preretirement benefit upon
Dependent Life Insurance or the day you acquire your retirement. You may not carry Dependent Life
dependents without providing medical evidence — Insurance into retirement. You have the opportunity
whichever comes later. to convert to an individual policy.
You have three coverage options, as shown below: About Beneficiary Designation
Spouse Children Children When you enroll in BGL or OGL insurance, you
under 1 between must choose a beneficiary. This is the person to
1 and 26*
whom benefits are paid in the event of your death.
Option 1 $5,000 $1,000 $2,500 Remember, it is your responsibility to update
Option 2 $10,000 $2,500 $5,000 your beneficiary choices taking into consideration
Option 3 $20,000 $2,500 $5,000 certain life events, such as marriage, divorce, birth
or adoption of children, or the death of a named
*Dependent children are covered up to age 26. You must ensure beneficiary.
your dependents are removed from coverage when they are no
longer eligible. Beneficiary designation is also required for the
Pension Plan and 401(k) Plan, described on page 13.
Your biweekly cost is based on your coverage option
and your age:
Cost Option 1 Option 2 Option 3
Under age 35 $0.28 $0.56 $0.78
35 – 39 $0.34 $0.68 $1.02
40 – 44 $0.46 $0.92 $1.50
45 – 49 $0.58 $1.16 $1.98
50 – 54 $0.74 $1.48 $2.62
55 – 59 $1.22 $2.44 $4.54
60 – 64 $1.68 $3.36 $6.38
65 – 69 $1.83 $3.66 $6.98
70+ $4.27 $8.54 $16.74
Example
Option 2 x age 40 = $0.92 per pay period
Important! Associates must remove dependents
who are no longer eligible. Associates have the
opportunity to convert their Dependent Life
Insurance coverage to an individual policy at
the time of termination.
11LONG TERM CARE INSURANCE AND
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Long Term Care Resource Center Employee Assistance Program
NEXCOM’s Long Term Care Resource Center is NEXCOM offers a comprehensive Employee
available to all NEXCOM associates, spouses and Assistance Program (EAP) to all associates, spouses,
extended family members. The NEXCOM LTC and household members. The program is provided
Resource Center, offered by ACSIA Partners, is through Magellan Health Services, a leading EAP
available to help you with your group long term care services provider.
policy questions, rate increase information, direction on The EAP provides confidential counseling and referral
claims submissions, provide free care giving resources services to assist associates in coping with personal,
and more. Go to www.nexcomltccenter.com or call emotional, family and financial issues. The program
LTC Resource Center at 1-877-736-5086, Monday – is offered at no cost to NEXCOM associates and
Friday, 8:30 a.m. – 5:30 p.m. EST. dependents. Through the EAP, NEXCOM associates
and their household members may receive up to
CNA Insurance LTC Policy Holders three counseling sessions “per incident” at no charge.
Under the CNA Insurance contract, your coverage Assistance is provided for the following:
cannot be cancelled provided premiums are paid.
• Grief or bereavement
However, the carrier can file for premium increases.
In 2016, CNA Insurance applied for premium increases • Marital and family problems
in all 50 states due to poor economic marketplace • Emotional issues
conditions. Increases were approved in some states • Coping with change & burnout
and are pending in others. Take advantage of the
Long Term Care Resource Center to learn about • Substance abuse
your options. • L
imited legal and financial counseling services are
also available.
Federal Long Term Care Insurance EAP services are confidential and counseling is
Program (FLTCIP) provided by professional, licensed clinicians. Services
New coverage can be obtained by applying through are available 24/7/365, by telephone, Internet or
the Federal Long Term Care Program. Approval face-to-face.
for this coverage is based on age and medical
CONUS and Hawaii Associates
underwriting at the time of application and is not
a guarantee of approval. This plan is subject to To schedule an EAP consultation or to get more
premium increases. You can apply for coverage information on the services available call 1-800-424-5988
at www.ltcfeds.com or by calling 1-800-LTC-FEDS or go to www.magellanassist.com/nexcom. At the login
(1-800-582-3337) TTY 1-800-843-3557. screen click on “New/unregistered user” and enter the
phone number 1-800-424-5988.
Associates in Guam and Foreign Countries
To receive EAP services, visit magellanhealth.com/global.
Enter “nexcom” (case sensitive) for the Company Code,
then choose your language and click “Login.” See the
links above under “Overseas EAP Info” for toll-free and
reverse-charge calling information.
12
12RETIREMENT PLANS
The NEXCOM Retirement Plan (Pension) Example
Newly hired regular full-time and part-time associates Savings and employer match
are automatically enrolled in the Retirement Pension Plan.
Your biweekly earnings $1,000
After reaching your first anniversary, you will receive
one year of credited service. If you are not currently Your contributions of 6% $60
participating and are a regular full-time or part-time
associate and have one or more years of cumulative Employer contribution of 3% $30
regular service (including breaks in service), you may Total biweekly contribution $90
enroll at any time and receive credited service for your
time in the plan. The cost of the plan is 1% of your biweekly A beneficiary designation is required for the Pension
pensionable earnings. To learn more, go to the NEXCOM Plan and 401(k) plan. See page 11 for details.
HUB > Benefits > Retirement > Retirement/Pension Plan
and click on NEXCOM Retirement Plan Booklet. Will Preparation, Funeral Planning, Estate
Resolution Services and Digital Storage
You will be vested in NEXCOM’s contributions to the
plan (you own them) after five years of regular service. If you participate in NEXCOM’s Life Insurance Plans
You can start receiving full benefits at age 62 (or 52, (Basic or Optional), you have access to a full suite of
in a reduced amount), if you meet the years-of-service end of life planning services, at no cost, to include:
requirements. If you retire with an immediate annuity, • W
ill Preparation: wills for you and your spouse,
benefits may be increased by cost-of-living adjustments. Power-of-Attorney and medical directives
Survivor benefits are also available. • E
state Resolution Services: services provided to the
Calculate a retirement plan estimate at the NEXCOM executor of your estate to assist with settling your
HUB > Code H > Retirement > Pension Plan Calculator estate including: consultations to discuss probating
(Normal Retirement). Give it a whirl! your estate; preparation of documents and
representation at probate-related court hearings;
The NEXCOM 401(k) Plan correspondence necessary to transfer nonprobate
You are eligible to participate in the 401(k) plan at assets to heirs; and related tax filings.
the time you are hired or attain regular full or part- or Will Preparation and Estate Resolution Services,
F
time employment status. You may enroll anytime. contact Hyatt Legal Services at 1-800-821-6400, Monday
You can make pretax contributions of up to 90% of – Friday 8 a.m. to 7 p.m. Provide the client representative
your compensation, subject to IRS limits. When you with NEXCOM’s Group Number — 109800.
contribute to the plan, your federal, state and Social
• D
igital Storage: MetLife Infinity is a resource that can
Security taxes are lower.
help you create a digital legacy for beneficiaries, estate
For every 1% you contribute up to 6%, NEXCOM matches administrators and others. Capture and securely store
half of your contributions. You are 100% vested in photos, videos, audio files and important documents
NEXCOM’s match after you’ve been in the plan for three as a collection in one online location. You can access
years. To grow your retirement savings, you have a MetLife Infinity at www.metlifeinfinity.com. It is also
choice of 26 investment funds and a brokerage account. available as a mobile app.
There are three ways to join: • F
uneral Planning Guide: This will allow you to
1. EZ Join Form — paper enrollment document your funeral preferences and provide
2. Quick Join — go online at www.prudential.com/ other key information for your survivors. You can
Quick Join find this guide on the NEXCOM HUB under the
3. Traditional Method — select your own funds. Code H > End of Life Planning Services Program.
If you enroll using EZ Join form or Quick Join, your
contributions will be invested in your age-appropriate
Experts say you will need 70% to 80% of your
Day One Fund. current annual income to maintain your current
standard of living in retirement. Social Security
Visit www.prudential.com/NEXCOM to learn only provides 40% of what you will need. Start
more about your 401(k), access planning tools building your retirement nest egg now.
and log in to your personal Prudential account. 13CONTACTS AND RESOURCES
The chart below shows telephone numbers and websites for the companies and organizations that
administer your benefits on behalf of NEXCOM.
Benefit Plan Insurance Carrier/ Point of Contact Internet Address/ NEXWEB
Code H Intranet Location
Medical/Dental (CONUS) Aetna Member Services www.aetna.com and
1-800-367-6276 www.nafhealthplans.com
Aetna International Member Services www.aetnainternational.com
1-888-506-2278 (outside the USA, via AT&T +
access code)
Teladoc www.teladoc.com
1-800-835-2362
24-Hour Nurse Line
1-800-556-1555
Medical Plan HMOs Optima Health Plan www.optimahealth.com
757-552-7325
1-800-394-2237, weekends and holidays
Kaiser Washington Options www.ghc.org
1-888-901-4636
Kaiser Hawaii www.kaiserpermanente.org
1-808-432-5955
HMSA Hawaii www.hmsa.com
1-800-776-4672
Kaiser California www.kaiserpermanente.org
1-800-464-4000
Kaiser Mid-Atlantic www.kaiserpermanente.org
1-800-777-7902
Take Care Asia www.takecareasia.com
1-877-484-2411
Stand Alone Dental Aetna Member Services www.nafhealthplans.com
1-800-367-6276
Flexible Savings Account Aetna FSA Member Services www.payflex.com
(HFSA/DFSA) 1-800-416-7053 www.nafhealthplans.com
Short and Long Term Disability MetLife Customer Service Code H > Benefits > Disability Insurance
1-800-275-4638
Group Insurance Examiner
1-757-440-4756
Long Term Care (CNA) 1-800-262-4580 (non-claim) N/A
Closed to new enrollments 1-866-308-0278 (claims)
1-877-736-5086 (Resource Center) www.nexcomltccenter.com
Federal Long Term Care 1-800-LTC-FEDS (1-800-582-3337) www.ltcfeds.com
Insurance Program (FLTCIP) TTY 1-800-843-3557
Life Insurance Plans Code H > Benefits > Life Insurance
• Basic Group MetLife
• Optional Group 1-800-638-6420
• Dependent Group
NEXCOM Group Health Ms. Rosie Serrano Roseann.Serrano@nexweb.org
and Life Insurance Plans Group Insurance Manager, NEXCOM Code H > Benefits > Life Insurance
757-440-4752
Pension Ms. Mary Holmes Mary.L.Holmes@nexweb.org
Retirement Plan & 401(k) Manager, NEXCOM Code H > Benefits > Retirement
757-440-4718
401(k) Prudential Retirement www.prudential.com/NEXCOM
1-877-778-2100
Will Preparation & Estate Hyatt Legal Services
Resolution Services 1-800-821-6400
NEXCOM Group #109800
Employee Assistance Program Magellan Health www.magellanhealth.com/member
(EAP) 1-800-424-5988
This brochure highlights the key features of the NEXCOM Benefits Program, including the DoD NAF Health Benefits Program. It
does not attempt to cover all plan details, which are contained in the official Plan Documents and insurance contracts that govern
the various plans within the program. Please reference the Summary Plan Description (SPD), available for each plan, for a complete
description of benefits, exclusions, limitations and conditions of coverage. Should there be any conflict in this brochure and the
provisions of the legal documents and contracts, the terms of those documents and contracts will control.
CCG DODNEXCOM-0018 (10/17) ©2017 Aetna Inc.You can also read
