2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans

 
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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
MISSION:YOU

       2019 BENEFITS PROGRAM
       AND ENROLLMENT GUIDE
    Overview of your health, life and wellness benefits
2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
YOUR 2019 BENEFITS ENROLLMENT GUIDE

IN THIS GUIDE:                    PAGE       Dear Associate,
                                             As a valued associate of our NEXCOM Enterprise, we provide you
                                             with a first-class compensation and benefits package. Our goal is to
Who is Eligible?                         1   provide a competitive package that is high in value that few employers
                                             can match. Your comprehensive benefit package includes: medical,
Open Enrollment:                             dental, vision, life and disability plans along with our outstanding
November 1 – 30, 2018                   2    pension and 401(k) programs.
                                             This enrollment guide highlights the 2019 benefits package that is
Your 2019 Health Plan Contributions     2    available to you. Whether you are just joining NEXCOM or if you are
                                             looking for Open Enrollment information, this guide is a great resource
Medical Benefits                        3    that can be used throughout the year.
                                             The 2019 Open Enrollment period for Medical/Dental and Flexible
Prescription Drug Benefits              4
                                             Spending Accounts is November 1 – November 30, 2018, with an
                                             effective date of January 1, 2019. I recommend that you review
Aetna Health and Wellness Programs      5    this guide and view the 2019 Open Enrollment video posted on
                                             nafhealthplans.com. This video will inform you of the Aetna medical/
Dental Benefits                         6    dental plan changes for 2019 as well as what actions you need to take
                                             during the Open Enrollment period.
Medical and Dental Coverage
                                             Here are a just a few highlights I want to share:
After Retirement                        6
                                             • N
                                                ew in 2019 is “Alex”, your on-line benefits counselor. Alex is an
Flexible Spending Accounts              7      easy to use online interactive tool that walks you through your
                                               plan options and makes recommendations based on the
Health Plan Online Resources            8
                                               information you submit. He can be found online on the
                                               nafhealthplans.com website.
Key Provisions                          8    • In addition to Quest Diagnostics, LabCorp has been added as an in-
                                                network provider for diagnostic testing.
Disability Benefits                     9    • T
                                                eladoc is expanding to include dermatology and mental health for
                                               a $45 copay.
Life Insurance Benefits                 10   • T
                                                he Health Incentive Credit Program has been enhanced to provide
                                               more flexibility in earning credits for taking healthy actions.
Long Term Care Insurance                12
                                             • T
                                                he Health Care Flexible Spending Account Maximum has
                                               increased to $2,650.
EAP Program                             12
                                             In addition to this Benefits Enrollment Guide, excellent resources are
Retirement Plans                        13   available on the nafhealthplans.com website along with the Code H
                                             NEXCOM Hub. I encourage you to use these valuable resources to
End-of-Life Planning Services           13   learn more. As always, your Human Resources team is available to
                                             assist you in the enrollment process.
Contacts and Resources          Back Cover

                                             Robert J. Bianchi
                                             Rear Admiral, Supply Corps, USN (Ret.)
                                             Chief Executive Officer
                                             Navy Exchange Service Command
2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
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 Insurance

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.

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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
2019 OPEN ENROLLMENT
 FOR MEDICAL, DENTAL PLANS
 NOVEMBER 1 – 30, 2018

 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.

 Your 2019 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 2019 biweekly contribution rates:

    Tier                          Medical         Dental            Medical & Dental     Stand Alone Dental
    Employee only                 $81.39          $4.50             $85.89               $16.10

    Employee + child(ren)         $157.08         $8.68             $165.76              $36.24
    Employee + spouse             $188.01         $10.38            $198.39              $32.21

    Employee + family             $249.05         $13.76            $262.81              $52.34

     Meet Alex®, your interactive
     benefits counselor
     ALEX* is an online tool that can help you
     choose the right benefits. He’s smart,
     friendly and easy to use. Just give him
     some basic information and he’ll walk
     you through your plan options for medical
     and dental — Flexible Spending Accounts
     too. At the end, he’ll suggest benefits to
     match your needs, budget and preferences.
     To meet ALEX, go to nafhealthplans.com.
     While you’re there, you’ll find detailed
     information about the medical and
     dental plans and programs. You’ll
     also find information about 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.
     *ALEX is not available to retirees.

     Watch the Enrollment Video at nafhealthplans.com to learn more about your benefits!

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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
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*
      • Employee only                 $500                             $1,500                          $500
      • Family (employee + one or    $1,500*                          $4,500*                         $1,500*
Update more dependents)

      Out-of-Pocket Maximum
      • Employee only                 $4,000                           $8,000                          $4,000
      • Family (employee + one or    $8,000*                          $16,000*                        $8,000*
         more dependents)
      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
      Emergency Room (ER)             50% after $350 ER copay          50% after $350 ER copay         50% after deductible
      (non-emergency visit)
      Teladoc®***                     $10, general medicine            N/A                             $10, general medicine
                                New   $45, dermatology and                                             $45, dermatology and
                                      behavioral health                                                behavioral health

      *The new family deductible and out-of-pocket maximum can be met by one or any combination of family members. Once the expenses
      of any family member(s) reaches the deductible, the deductible will be considered met for all family members.
      **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 may not available in all states or overseas.

     Health Maintenance Organizations (HMOs)                           Two new Teladoc programs
     HMOs may also be available to you as an alternative               Teladoc lets you consult with a doctor and get
     to the Aetna medical plans, depending on where you                diagnosed, treated and prescribed — without the
     live. HMOs provide medical and prescription drug                  travel and waiting room time — for just a $10 copay.
     coverage to eligible associates living in specific areas.         In 2019, your plan will add two new Teladoc services
     HMOs are available in: Tidewater, VA, San Diego/                  — each for a $45 copay. These include:
     Central CA, Hawaii, Baltimore/Washington, D.C.,                   • D
                                                                          ermatology, for help with skin conditions. You’ll
     the Pacific Northwest, and Guam. Ask your local HR                  be able to share a photo of your skin condition
     representative for details about HMOs in your area.                 for review by a credentialed dermatologist and
     Visit nafhealthplans.com to view comparisons of Aetna               receive a diagnosis and treatment plan within two
     and the HMO available in your area (if applicable).                 business days.
                                                                       • A
                                                                          behavioral health program, for video counseling
                                                                         from an experienced psychiatrist, psychologist or
        Find medical and dental plan details online                      masters-level therapist. Get help with issues such as
        Go to nafhealthplans.com to view the plan(s)                     anxiety, depression, substance abuse and stress.
        you are eligible for based on your ZIP code. You
        will also find details about the health plan(s) and             ppointments can be scheduled via the Teladoc app,
                                                                       A
        other related information.                                     at teladoc.com/aetna or by phone at 1-800-835-2362.
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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
PRESCRIPTION DRUG BENEFITS

When you enroll in an Aetna medical plan, you will also have prescription drug benefits. Beginning
January 1, 2019, the Aetna plan will use the standard formulary. 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 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, log in to                     a choice of how you want to fill your maintenance
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 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
Get drug costs ahead of time
                                                                         maintenance drugs fall under these provisions. Go to
Not all pharmacies charge the same amount for the                        nafhealthplans.com > Health Benefits > Pharmacy
same prescription. The cost depends on where you                         Program.
get it filled. To estimate and compare costs, log in
to aetna.com > Manage Prescriptions > Estimate
drug costs.
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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
AETNA HEALTH AND WELLNESS PROGRAMS

New   When you enroll in an Aetna medical plan, you can take advantage of wellness programs that help you live
      healthier. Beginning in 2019, your will have access to Healthy Lifestyle Coaching. With this program, you can
      participate in online group sessions with people who want to make the same healthy changes you want to
      make, along with one-on-one sessions with your wellness coach. The coach will help you with wellness goals,
      such as losing weight, eating better, reducing stress, quitting smoking and more.
      When you join, you’ll take part in a series of weekly interactive, online group coaching sessions over a 6-week
      period. You’ll enjoy the support and encouragement of your peers as you work toward your goals.
      To learn more, call 1-866-213-0153 or log in to aetna.com > Stay Healthy > Health Programs.
      *Healthy Lifestyle Coaching is not available to overseas employees.

      Earn Health Incentive Credits
      Aetna members can earn Health Incentive Credits to help with your share of covered medical expenses. In 2019,
      employees enrolled in employee-only coverage will be able to earn up to $300 in Health Incentive Credits.
      (This is a $50 increase over last year!) Also, you’ll earn $75 just for completing the online Health Assessment.
      The chart below shows all the activities you can complete to earn credits to be applied to your deductible or
      coinsurance expenses.

                                     Activity                                             Health Incentive Credit amount
                                         Employees, retirees and covered spouses can each earn:
       Complete your online Health Assessment on aetna.com                         $75

       Complete biometric screening between January 1 and                          $150
       November 30, 2019

       Disease Management (DM) goal* — complete 3 calls with a DM nurse            $75
       *This program is not available to overseas employees.
       Complete online Journey® (average Journey time 32 days)                     $75, up to 4 Journeys

                                              Dependent children under age 18 can each earn:
       Complete preventive exam for children under age 18                          $50

       For all activities, you can earn up to the calendar year maximum of $300 for employee only or $600 for employees
       that cover dependents.

      The Health Assessment is your first step                              these factors: 1) blood pressure 2) blood sugar
      The Health Assessment is a questionnaire that takes just              3) triglycerides 4) waist circumference and 5) HDL
      10 minutes to complete. You answer questions about                    cholesterol. If three or more of these measurements
      personal and family health history, lifestyle habits, recent          are too high, you may have metabolic syndrome.
      health screening results and other health factors. To                 In many cases, these factors can be positively
      take the assessment, log in to aetna.com > Stay Healthy               impacted by lifestyle changes, such as regular
      > Complete Your Assessment.                                           exercise and eating a healthy diet.
                                                                            Earned Health Incentive Credits are applied
      What is biometric screening?                                          automatically to your deductible or coinsurance*
      A biometric screening includes a blood test, waist                    amounts. For more information, visit
      measurement and blood pressure reading to                             nafhealthplans.com > Wellness > Health Incentive
      determine if you are at risk for metabolic syndrome.                  Credit Program.
      Metabolic syndrome is a group of factors that raise                   *Health Incentive Credits are not applied to copay amounts.
      your risk of developing conditions such as heart                      Copays are flat fees paid for certain types of expenses, such
                                                                            as prescription drugs.
      disease and diabetes. A biometric screening measures

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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
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 nafhealthplans.com.
those dentists provide their services at lower,
Aetna-negotiated rates. You can find participating
dentists at 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 both
medical and dental 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.

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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
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 to payflex.com, then click
  is used for eligible health care expenses. These                      the link for the Financial Center. Here you can
  include medical, prescription drug, dental and vision                 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 payflex.com. In addition, you can check your
Tax Advantages                                                          FSA balance and log in to PayFlex directly from
When you enroll in an FSA, you will set an annual                       aetna.com.
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
Minimum Annual Contribution = $200
                                                                      your HFSA exceeding $500 will be forfeited.
                                                                      The $500 carryover rule does not apply to DFSA.
Maximum Annual Contribution = $2,650
                                                                      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                  nafhealthplans.com or PayFlex at
card “loaded” with the full amount you have elected                   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
  Benefits to PayFlex®) to verify that the purchase/
                                                                      If you want to participate in one or both FSA(s) for
  service was for an authorized HFSA expense.
                                                                      2019, you must take action during Open Enrollment
• N
   o substantiation needed for medical plan copays,                  (November 1 - 30, 2018). Current FSA elections do
  or Rxs purchased at an IIAS-certified merchant.                     not automatically renew year to year. Contact your
  A complete list of IIAS-certified merchants can be                  local HR representative to enroll or re-enroll.
  viewed at payflex.com.
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2019 BENEFITS PROGRAM AND ENROLLMENT GUIDE - MISSION:YOU - NAF Health Plans
HEALTH PLAN ONLINE RESOURCES
KEY PROVISIONS

Aetna Navigator at aetna.com                                     Maximum Allowable Amount
Aetna Navigator is your member website where                     Not all in-network health facilities charge the same
you can take care of benefits-related tasks, locate              amount for the same procedure. This is especially
in-network providers, view your Explanation of                   important since your DoD NAF Health Plan sets a
Benefits (EOB), look up costs of procedures and                  maximum allowable amount it will pay toward the
prescription costs and much more. To use Aetna                   facility cost for common outpatient procedures such
Navigator, log in or register at aetna.com and click             as MRIs and colonoscopies. You will have to pay for
“Login.”                                                         charges above that amount. But don’t worry. You
For health on the go, download the free Aetna                    can shop around ahead of time so you can plan for
mobile app to be able to access the best features                your share, if any, of the cost. Fortunately, these
of Aetna Navigator from your mobile device. To                   procedures show little to no variation in quality
download the app, text Apps to 23862 or visit                    regardless of where the procedure is performed.
aetna.com/mobile.                                                Contact Aetna Member Services at 1-800-367-6276 for
                                                                 more information before you schedule your procedure.
Find network providers online                                    To see a list of outpatient procedures and their
To locate doctors, hospitals, specialists, dentists              maximum allowable amounts, log in to aetna.com >
and pharmacies who participate in Aetna’s network,               See Coverage & Costs > Financial Overview > Medical
use Aetna’s online provider directory. Log in to                 balances & limits. Then, scroll to the bottom to see the
aetna.com > Find Care.                                           page for the Maximum Allowable Amount chart.

Know your options for immediate care
When an unexpected health issue comes up, there may not be time to make an appointment with your
primary care physician (PCP). Get to know your other options for care, so you can save time and money.
The Emergency Room (ER) is your most expensive option and should only be used in true emergencies.

    Teladoc*                           Walk-In Clinic            Urgent Care Center             ER

    $10 copay                          $30 copay                 $30 copay                      $350 copay
    ($45 for dermatology and                                                                    (for non-emergencies)
    behavioral health)
    • Allergies                        • Colds and flu           • Allergies                    • Chest pain or severe pain
    • Bronchitis                       • Ear infections          • Burns and rashes             • Difficulty breathing
    • Colds and flu                    • Minor insect bites      • Cough                        • Major trauma
    • Ear infections                   • Routine allergies       • Cuts and minor lacerations   • Severe abdominal pain
    • Respiratory infections           • Sprains                 • Fractures                    • Uncontrollable bleeding
    • Skin problems and more           • Strep throat and more   • Sports injuries and more     • Other symptoms that may
                                                                                                   put your life at risk
    *Teladoc may not be available in all states and overseas.

      Not sure where to go? Call Aetna’s 24-Hour Nurse Line at 1-800-556-1555.

8
DISABILITY 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 your
you are not able to work because of a disabling illness
                                                             employment or attainment of regular full-time status.
or injury. There are two types of disability
                                                             If you enroll within this 31-day period, you don’t need
insurance available to you:
                                                             to provide medical evidence to join the plan. You must
                                                             be actively at work on the effective date of coverage
Short-Term Disability (STD)
                                                             or be in an approved leave status for reasons
STD is provided at no cost immediately upon your             other than disability to be eligible for LTD benefits.
employment or attainment of regular full-time                Otherwise, coverage begins on the first day you return
employment status. STD benefits start two months             to work. You pay for LTD insurance according to your
after you become disabled or once you have used              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 with
                                                             of combined STD and LTD benefits, you must be
your sick leave benefit. If you have four months or
                                                             unable to perform the duties of any occupation
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
Benefit Waiting Period    Two months or exhaustion of sick
                                                             benefits and NEXCOM Retirement Plan benefits*
                          leave, whichever is later          you may be receiving.
Benefit Amount            60% of basic weekly earnings       The chart below shows how benefits are paid:
Benefit Duration          Four months                        Benefits Begin        Seventh month of disability

Cost                      $0                                 Benefit Amount        60% of basic monthly earnings
                                                             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.

                                                                                                                                 9
LIFE 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 next Biennial Enrollment            60 – 64                              $0.360
 is November 2019. Enrollment during this period
 requires medical evidence of good health, and is               65 – 69                              $0.595

 subject to approval by the insurance carrier.                  70+                                  $0.960

                                                                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

10
LIFE 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
date of hire, the day you become eligible to elect              will be reduced to 25% of your pre-retirement benefit
Dependent Life Insurance or the day you acquire                 upon your retirement. You may not carry Dependent
dependents without providing medical evidence —                 Life Insurance into retirement. You have the
whichever comes later.                                          opportunity 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.

                                                                                                                         11
LONG 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,            through Magellan Health Services, a leading EAP
 is available to help you with your group long          services provider.
 term care policy questions, offer rate increase        The EAP provides confidential counseling and referral
 information, give direction on claims submissions,     services to assist associates in coping with personal,
 provide free caregiving resources and more. Go to      emotional, family and financial issues. The program
 nexcomltccenter.com or call LTC Resource Center        is offered at no cost to NEXCOM associates and
 at 1-877-736-5086, Monday – Friday, 8:30 a.m. to       dependents. Through the EAP, NEXCOM associates
 5:30 p.m. EST.                                         and their household members may receive up to
                                                        three counseling sessions “per incident” at no charge.
 CNA Insurance LTC Policy Holders                       Assistance is provided for the following:
 Under the CNA Insurance contract, your coverage
                                                        • Grief or bereavement
 cannot be cancelled provided premiums are paid.
 However, the carrier can file for premium increases.   • Marital and family problems
 CNA Insurance has applied for premium increases        • Emotional issues
 in all 50 states due to poor economic marketplace      • Coping with change and burnout
 conditions. Increases were approved in some states
 and are pending in others. Take advantage of the       • Substance abuse
 Long Term Care Resource Center to learn about          • L
                                                           imited legal and financial counseling services are
 your options.                                            also available.
                                                        EAP services are confidential and counseling is
 Federal Long Term Care Insurance                       provided by professional, licensed clinicians. Services
 Program (FLTCIP)                                       are available 24/7/365, by telephone, Internet or
 New coverage can be obtained by applying through       face-to-face.
 the Federal Long Term Care Program. Approval
                                                        CONUS and Hawaii Associates
 for this coverage is based on age and medical
 underwriting at the time of application and is not     To schedule an EAP consultation or to get
 a guarantee of approval. This plan is subject to       more information on the services available call
 premium increases. You can apply for coverage          1-800-424-5988 or go to magellanassist.com/
 at ltcfeds.com or by calling 1-800-LTC-FEDS            nexcom. At the login screen click on “New/
 (1-800-582-3337) TTY 1-800-843-3557.                   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
RETIREMENT 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.                    End of Life Planning Services
You will be vested in NEXCOM’s contributions to the             If you participate in NEXCOM’s Life Insurance Plans
plan (you own them) after five years of regular service.        (Basic or Optional), you have access to a full suite of
You can start receiving full benefits at age 62 (or 52,         end of life planning services, at no cost, including:
in a reduced amount), if you meet the years-of-service          • W
                                                                   ill Preparation: wills for you and your spouse,
requirements. If you retire with an immediate annuity,            Power-of-Attorney and medical directives
benefits may be increased by cost-of-living adjustments.        • E
                                                                   state Resolution Services: services provided to
Survivor benefits are also available.                             the executor of your estate to assist with settling
Calculate a retirement plan estimate at the NEXCOM                your estate including: consultations to discuss
HUB > Code H > Retirement > Pension Plan Calculator               probating your estate; preparation of documents
(Normal Retirement). Give it a whirl!                             and representation at probate-related court
                                                                  hearings; correspondence necessary to transfer
The NEXCOM 401(k) Plan                                            nonprobate assets to heirs; and related tax filings.
You are eligible to participate in the 401(k) plan at           For Will Preparation and Estate Resolution Services,
the time you are hired or attain regular full or part-          contact Hyatt Legal Services at 1-800-821-6400, Monday
time employment status. You may enroll anytime.                 – Friday 8 a.m. to 7 p.m. Provide the client representative
You can make pretax contributions of up to 90% of               with NEXCOM’s Group Number — 109800.
your compensation, subject to IRS limits. When you
                                                                • D
                                                                   igital Storage: MetLife Infinity is a resource
contribute to the plan, your federal, state and Social
                                                                  that can help you create a digital legacy for
Security taxes are lower.
                                                                  beneficiaries, estate administrators and others.
For every 1% you contribute up to 6%, NEXCOM matches              Capture and securely store photos, videos, audio
half of your contributions. You are 100% vested in                files and important documents as a collection in
NEXCOM’s match after you’ve been in the plan for three            one online location. You can access MetLife Infinity
years. To grow your retirement savings, you have a                at metlifeinfinity.com. It is also available as a
choice of 26 investment funds and a brokerage account.            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 prudential.com/QuickJoin            other key information for your survivors. You can
3. Traditional Method — select your own funds.                    find this guide on the NEXCOM HUB under the
                                                                  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
Day One Fund.
                                                                  Experts say you will need 70% to 80% of your
                                                                  current annual income to maintain your current
  Visit prudential.com/NEXCOM to learn more                       standard of living in retirement. Social Security
  about your 401(k), access planning tools and                    only provides 40% of what you will need. Start
  log in to your personal Prudential account.                     building your retirement nest egg now.
                                                                                                                              13
CONTACTS 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                             aetna.com and
                                            1-800-367-6276                                    nafhealthplans.com
                                            Aetna International Member Services               aetnainternational.com
                                            1-888-506-2278 (outside the USA, via AT&T +
                                            access code)
                                            Teladoc                                           teladoc.com/aetna
                                            1-800-835-2362
                                            24-Hour Nurse Line
                                            1-800-556-1555
 Medical Plan HMOs                          Optima Health Plan                                optimahealth.com
                                            1-757-552-7325
                                            1-800-394-2237, weekends and holidays
                                            Kaiser Washington Options                         kp.org/wa
                                            1-888-901-4636
                                            Kaiser Hawaii                                     kaiserpermanente.org
                                            1-808-432-5955
                                            HMSA Hawaii                                       hmsa.com
                                            1-800-776-4672
                                            Kaiser California                                 kaiserpermanente.org
                                            1-800-464-4000
                                            Kaiser Mid-Atlantic                               kaiserpermanente.org
                                            1-800-777-7902
                                            Take Care Asia                                    takecareasia.com
                                            1-877-484-2411
 Stand Alone Dental                         Aetna Member Services                             nafhealthplans.com
                                            1-800-367-6276
 Flexible Savings Account                   Aetna FSA Member Services                         payflex.com
 (HFSA/DFSA)                                1-800-416-7053                                    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)
 Closed to new enrollments                  1-866-308-0278 (claims)
                                            1-877-736-5086 (Resource Center)                  nexcomltccenter.com
 Federal Long Term Care                     1-800-LTC-FEDS (1-800-582-3337)                   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
                                            1-757-440-4752
 Pension                                    Ms. Mary Holmes                                   Mary.L.Holmes@nexweb.org
                                            Retirement Plan & 401(k) Manager, NEXCOM          Code H > Benefits > Retirement
                                            1-757-440-4718
 401(k)                                     Prudential Retirement                             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                                   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-0021 (10/18)        ©2018 Aetna Inc.
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