GUIDE YOUR 2020 BENEFITS - empowering your health every day
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empowering your health every day
YOUR 2020 BENEFITS
GUIDE
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TABLE OF CONTENTS
Welcome to WellBeing365 1
What You Need to Know 2
Your 2020 Benefit Options 3
Medical Plan Coverage Features 4
Prescription Drug Coverage 6
Kaiser Plans 7
Cigna International Plans 10
Voluntary TRICARE Supplement Plan 11
Supplemental Medical Insurance 12
Savings Accounts (HSA, FSA and BenefitWallet®) 13
Dental Plans 16
Vision Plans 17
Wellness Resources 18
Life, Accident and Disability Insurance 19
Voluntary Benefits 20
Paying for Coverage 21
Other Benefits 21
WellBeing365 Services & Support 22
The Enrollment Process 23
Your 2020 WellBeing365 Contacts 24
SAIC Compliance Notices 26
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WELCOME TO WELLBEING365
SAIC is committed to providing you with a meaningful benefits program that
focuses on your total well-being. When enrolling in benefits, you will have the
opportunity to review all of the available options through the WellBeing365
portal, https://wellbeing365.saic.com, as well as take advantage of personalized
support to select the coverage that best meets your needs and your family’s needs.
WellBeing365 provides you with many choices and resources to help you select
the right coverage, all in one, easy-to-navigate portal. This guide will provide you
with an overview of what you need to know about your 2020 benefit options,
where to find additional information and how to enroll in your benefits.
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WHAT YOU NEED TO KNOW
1. Know your Deadline. 3. Choose Wisely.
Whether you are enrolling in benefits as a new hire, or during Take the time to understand and compare all your coverage
Annual Enrollment, you have a limited window to choose options. The Use the Available Resources to Evaluate Your
your options. Newly hired eligible employees have 31 days Options section on page 25 provides information on tools
from their hire date to choose benefits. Each year, Annual and resources.
Enrollment is held for eligible employees to enroll in or
change benefits enrollment for the following year. 4. Enroll Online.
Unless you experience a qualified life event, such as marriage, Go to the WellBeing365 portal, https://wellbeing365.saic.com.
birth of a child or change in employment status, you may not Click on the Enrollment event tile and follow the steps to
make changes to your benefits outside of these events. make your elections. Once you submit your elections, save a
copy of your benefits confirmation statement for your records.
2. Know Who is Eligible.
Employees regularly scheduled to work 30 hours or more
a week and who are in a benefits-eligible fringe package
are eligible for SAIC benefits.
Note: Employees living in Hawaii working 20 to 29 hours per
week are eligible for SAIC medical benefits. Collective
bargaining unit employees may have other eligibility
requirements. Legacy Unisys Federal/fringe 25 employees
regularly scheduled to work 20 or more hours a week in a
benefits-eligible fringe package are eligible.
You can enroll your spouse or verified domestic partner
and your eligible dependents for coverage under many
of the benefit plans.
Eligible dependents include:
• Your legal spouse or verified domestic partner
• Your
children or your verified domestic partner’s
children under age 26. A child can be:
– A natural child or stepchild.
– An
adopted child (coverage begins on the earlier
of the date the child was placed in your home or
the date of final adoption).
–A child for whom you are the full legal guardian.
The child must live with you in a parent-child
relationship and depend on you for support.
You must provide proof of full legal guardianship.
– Your
unmarried child, age 26 or older who is not This summary does not determine rights under these plans. It is intended only
capable of self-sustaining employment because to summarize the important provisions. SAIC benefits vary by fringe benefit
of mental or physical disability as long as the package. Nothing in this brochure should be considered as altering or affecting
the provisions of the plans themselves. The described benefit programs are
mental or physical disability existed while the subject to SAIC’s eligibility guidelines. As with all of its benefits, SAIC reserves
child was covered under the SAIC Plan and began the right to amend or discontinue the benefits described in this document in the
before age 26, and the child is primarily dependent future, as well as change how eligible employees and the Company share the
on you for support. cost at any time. Certain coverage may not be duplicated for family members
employed at SAIC. Certain coverage may be prorated for part-time employees.
Note: The law requires that you are taxed on contributions
for medical and dental coverage for your domestic partner T his guide is intended to provide a summary of some major provisions of the
SAIC benefit plans for which you may be eligible. The official plan documents
and the children of your domestic partner, unless considered
and plan provisions remain the final authority of coverage and in the event of
tax dependents. a conflict with the guide, will govern in all cases. SAIC reserves the right to add,
terminate or amend any benefit plans or programs at any time without prior notice.
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YOUR 2020 BENEFIT OPTIONS
Medical
PPO* Broad Network1 PPO
Select Network1 PPO
HSA-Eligible High Broad Network - 3 plan options1
Deductible Health Plans* Premium Standard Core
Select Network - 3 plan options 1
Premium-Select Network Standard-Select Network Core-Select Network
*C arrier may be Aetna, Anthem or Cigna, dependent upon your home ZIP code, with prescription drug
coverage provided by CVS Caremark.
Kaiser Kaiser California Kaiser Hawaii
Kaiser Colorado Kaiser Mid-Atlantic (DC, MD, VA)
Long-Term Overseas
Cigna International
Assignment PPO
Enrolled in TRICARE
Voluntary TRICARE Supplement
(Retired Military)
Health Savings Account (HSA) Available with all HSA-eligible plans through BenefitWallet
Dental
Standard or Core Dental**
Cigna International Dental Plan
**Carrier may be Aetna or Cigna, dependent upon your home ZIP code.
Vision
Standard or Core options through VSP vision
Other
Flexible Spending Accounts (FSAs) Health Care FSA through BenefitWallet
Limited Purpose Health Care FSA through BenefitWallet
Dependent Care FSA through BenefitWallet
Disability Employer-paid Short-Term Disability2
Voluntary Long-Term Disability
Basic and Supplemental Life Employer-paid Basic Employee Life and AD&D
and AD&D Insurance Supplemental Employee, Spouse/Domestic Partner and Child Life
Employer-paid Business Travel Accident
Commuter Program Pre-tax deduction program through WageWorks
Voluntary Benefits Critical Illness Insurance through Aflac ID Protection through InfoArmor®
Accident Insurance through Allstate Legal Plan through ARAG
Group Long-Term Care Insurance through Genworth Pet Insurance through Nationwide
Hospital Indemnity Insurance through Aflac
Learn more about a Broad Network and a Select Network on page 4. Note: Anthem does not offer a Select Network.
1
Short-Term Disability is not employer-paid for employees in the Fringe 17 benefits package.
2
This document is intended for all benefits-eligible employees regularly scheduled to work 30 or more hours per week. Eligible dependents include a legal spouse
or verified domestic partner, dependent children to age 26, regardless of student status, and unmarried children who have attained age 26 and are incapable of
self-support due to physical or mental disability.
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MEDICAL PLAN COVERAGE FEATURES
This section explains the basics of how each medical plan works, highlighting some of the important
plan details. The medical plans are provided by three of the largest national insurance companies
(“carriers”): Aetna, Anthem and Cigna. Each offers the same PPO and HSA-eligible options,
but the insurance company you are offered will depend upon where you live.
Preferred Provider Organization Plan (PPO) HSA-Eligible Plans
The PPO plan is a medical plan that offers a lower annual You have the choice of at least three HSA-eligible plan
deductible and a generally lower out-of-pocket maximum, designs — Premium, Standard and Core — providing three
but the premium is typically higher. The PPO plan does not different levels of annual deductible, out-of-pocket maximum
include an HSA. Instead, you will be eligible to enroll in an FSA. and coinsurance. Insurance companies vary by geographic
Please see page 14 for more information about FSAs. region and include Aetna, Anthem and Cigna. Each carrier
offers the same HSA-eligible plans. Those who tend to use more
PPO Plan Key Highlights health care will typically have higher out-of-pocket costs with
HSA-eligible plans, but will have lower premiums per paycheck
Coverage: In most cases, this option provides comprehensive compared to the PPO plan.
medical coverage and access to both in-network and
Depending on where you live, you may also have access to a
out-of-network providers, although in-network providers are
carrier’s Select Network. An insurance carrier’s Select Network
preferred and will cost you less. For certain services, you will
differs from its Broad Network by including fewer in-network
pay a copayment. For other services, you will pay a percentage
providers that have agreed to deeper discounts, resulting in a
of eligible expenses (called coinsurance), once you have met
7 percent rate reduction from the Broad Network plan rates.
the annual deductible.
All Select Network providers have met rigorous quality-of-care
Costs: The out-of-pocket maximum1 is the most you will have
and treatment outcome standards.
to pay in the plan year for covered health care expenses
and protects you from financial risk. The medical plan pays If a Select Network is available in your region, you will see
100 percent of covered expenses for the rest of the plan it as an option in the portal, referred to as a Select Network
year once you have met your out-of-pocket maximum. medical plan option. Prior to determining if this option is a
The out-of-pocket maximum caps the amount of expenses good choice for you, it is recommended you check to ensure
you have to pay in a year and includes your deductible, that your doctor is available within the smaller network or
copayments, coinsurance and covered prescription be prepared to choose a new doctor. If you initially choose
drug copayments. the Select Network plan and then move to another region
Combined medical and prescription deductible: where the Select Network is not available, you will be
Prescription benefits under the PPO plan are subject to a defaulted* to the same plan with the same carrier, but the
copayment, but no deductible. Broad Network version. Your eligible medical expenses will
continue to accumulate toward your deductible and out-of-
When you visit out-of-network providers, you may still be responsible for
1
amounts above the out-of-network out-of-pocket maximum. Out-of-network
pocket maximum for the remainder of the plan year, but your
providers have not agreed to the carrier’s reimbursement rates and thus the per-paycheck deduction will be adjusted to reflect the new
provider may continue to bill you — a practice called balance billing. premium. More details will be provided in the portal at the
time such a change should occur.
*You will also have the choice to select a different tier of coverage or waive
coverage during this limited life event period.
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HSA-Eligible Plans – Key Highlights
Coverage: In most cases, each of the three plans cover That means that you will pay the full cost of both your prescriptions
the same services. Refer to the 2020 PPO and HSA-Eligible and other medical services until you meet your deductible. Once
Plans At-a-Glance chart on this page to see how services you meet your deductible, you then pay only coinsurance costs
are covered under each plan.
until you reach your plan’s out-of-pocket maximum.
Costs: Options differ in the amount you pay for coverage,
HSA: If you enroll in an HSA-eligible plan, you may have
the deductible, coinsurance and the out-of-pocket maximums. the opportunity to establish a special tax-advantaged HSA.
In addition, qualifying in-network preventive care is covered Please see page 13 for more information about HSAs and
at 100 percent. to learn more about how to roll over your existing HSA to
Combined medical and prescription deductible: Medical BenefitWallet. Note: If you enroll in an HSA-eligible plan
and prescription drug expenses both count toward your and you are not eligible to enroll in an HSA, you are eligible
medical plan deductible and out-of-pocket maximum. to enroll in a Health Care FSA. Please see page 14 for more
information about FSAs.
PPO and HSA-Eligible Plans At-a-Glance
Below is a chart summarizing the medical plan options for the PPO and HSA-eligible plans. Covered benefits, limitations
and exclusions may vary between carriers and networks. For more details regarding the Summary of Benefits and Coverages,
access www.mysaicbenefits.com and the WellBeing365 portal. You may also contact Health Advocate to find out if certain
procedures are covered by a plan.
2020 PPO and HSA-Eligible Plans At-a-Glance
Premium or Standard or Core or
PPO or PPO Select
Premium Select Network Standard Select Network Core Select Network
Network
(HSA-Eligible) (HSA-Eligible) (HSA-Eligible)
In- Out-of- In- Out-of- In- Out-of- In- Out-of-
Network Network Network Network Network Network Network Network
Carrier Carrier will be Aetna, Anthem or Cigna, based on employee’s home ZIP code. See page 4 for more details.
Annual Deductible1, 2
Employee $500 $1,500 $1,400 $4,200 $2,000 $6,000 $4,500 $13,500
Family $1,000 $3,000 $2,800 $8,400 $4,000 $12,000 $9,000 $27,000
Annual Out-of-Pocket Maximum1, 2
Employee $3,000 $6,000 $3,000 $8,000 $6,250 $12,500 $6,650 $13,500
Family $6,000 $12,000 $6,000 $16,000 $12,500 $25,000 $13,300 $27,000
Your Cost for Covered Services
$20 30% after 20% after 40% after 25% after 40% after 30% after 50% after
Primary Care Physician
copayment deductible deductible deductible deductible deductible deductible deductible
$40 30% after 20% after 40% after 25% after 40% after 30% after 50% after
Specialist
copayment deductible deductible deductible deductible deductible deductible deductible
100% 30% after 100% 40% after 100% 40% after 100% 50% after
Preventive Care
covered deductible covered deductible covered deductible covered deductible
$10 20% after 25% after 30% after
Telemedicine N/A N/A N/A N/A
copayment deductible deductible deductible
$100 $100
copayment; copayment; 20% after 20% after 25% after 25% after 30% after 30% after
Emergency Room Care
10% after 10% after deductible deductible deductible deductible deductible deductible
deductible deductible
$50 30% after 20% after 40% after 25% after 40% after 30% after 50% after
Urgent Care Provider
copayment deductible deductible deductible deductible deductible deductible deductible
10% after 30% after 20% after 40% after 25% after 40% after 30% after 50% after
Lab and X-ray
deductible deductible deductible deductible deductible deductible deductible deductible
Most other covered care,
10% after 30% after 20% after 40% after 25% after 40% after 30% after 50% after
including hospital inpatient
deductible deductible deductible deductible deductible deductible deductible deductible
and outpatient care
1
T here are separate in-network and out-of-network deductibles and out-of-pocket maximums, and they do not cross-apply. The out-of-pocket maximum includes
the deductible. The deductible and out-of-pocket maximum are the responsibility of the employee.
2
Under PPO and PPO Select Network, a single individual on a family plan will not have to pay a deductible or out-of-pocket maximum higher than the
individual amount. Under the HSA-eligible plans, a single individual on a family plan will have to pay the full family deductible; however, the out-of-pocket
maximum cannot be higher than the individual amount.
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PRESCRIPTION DRUG COVERAGE —
PPO AND HSA-ELIGIBLE PLANS
CVS Caremark is the prescription drug carrier for the PPO and the HSA-eligible medical plans
(Premium, Standard and Core). Note: If you select a Kaiser plan or the Cigna International plan,
each provides its own prescription drug coverage.
The table below provides a summary of features of the prescription drug coverage. For more details
regarding the Summary of Benefits and Coverages, access www.mysaicbenefits.com and the
WellBeing365 portal.
2020 Prescription Drug Benefits At-a-Glance (PPO and HSA-Eligible Plans)
Premium or Standard or Core or
PPO or PPO
Premium Select Network Standard Select Network Core Select Network
Select Network
(HSA-Eligible) (HSA-Eligible) (HSA-Eligible)
Prescription Carrier CVS Caremark CVS Caremark CVS Caremark CVS Caremark
Deductible None Combined with Medical Combined with Medical Combined with Medical
Annual Out-of-Pocket
Combined with Medical Combined with Medical Combined with Medical Combined with Medical
Maximum
Your Cost for Covered Services
Retail Prescription Drugs (30-day Supply)
15% 25% 30%
Generic $12 copayment
($4 min and $10 max) ($4 min and $20 max) ($4 min and $25 max)
15% 25% 30%
Brand Formulary $50 copayment
($15 min and $40 max) ($25 min and $60 max) ($25 min and $70 max)
15% 25% 30%
Non-formulary Brand $75 copayment
($30 min and $60 max) ($40 min and $90 max) ($40 min and $100 max)
Mail-Order or CVS Pharmacy Prescription Drugs (90-day Supply)
Generic
15% 25% 30%
(Participant Minimum/ $30 copayment
($10 min and $25 max) ($10 min and $50 max) ($10 min and $60 max)
Maximum)
15% 25% 30%
Brand Formulary $125 copayment
($35 min and $100 max) ($60 min and $150 max) ($60 min and $175 max)
15% 25% 30%
Non-formulary Brand $185 copayment
($75 min and $150 max) ($100 min and $225 max) ($100 min and $250 max)
Note: Prescription drug benefits apply in-network only.
Note: The deductible and out-of-pocket maximum are the responsibility of the employee.
Note: You have the option of filling your prescriptions at a non-CVS participating retail pharmacy. However, you will not pay the discounted cost.
You will be responsible for the full cost (at the negotiated rate) of the medication.
New in 2020: The CVS Caremark Maintenance Choice Program. You may obtain three 30-day supply prescription
fills of a maintenance medication from any participating retail pharmacy. Before your fourth fill of a maintenance
medication, you will need to obtain a 90-day supply prescription from your doctor and have the prescription filled at
either the CVS Caremark Mail Service Pharmacy or at a CVS retail pharmacy. Note: You have the option to continue
filling your maintenance prescriptions for a 30-day supply and at any participating retail pharmacy; however, you will
pay 100% of the discounted rate (typically more than your cost for covered services).
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Kaiser Plans (HMO)
Employees in some areas of California, Colorado, Hawaii and the Mid-Atlantic have a Kaiser Health Maintenance Organization
(HMO) medical plan option. For this plan, you must use in-network services. You are not eligible to contribute to an HSA when
enrolled in a Kaiser plan. Instead, you have the option to open an FSA to help pay for qualified expenses. Please see page 14
for more information about FSAs.
Kaiser Key Highlights
Coverage: You will need to use Kaiser providers —
generally there is no out-of-network coverage available
with Kaiser plans.
Costs: When you enroll in a Kaiser medical plan, the most
you will pay annually is your out-of-pocket maximum. This
includes any applicable copayments, deductibles and
coinsurances related to the plan. Copayment services,
such as primary care, specialty care, urgent care and
pharmacy, are not subject to the deductible. Qualifying
preventive care is covered at 100 percent. Your pharmacy
copayment varies for generic, brand and non-preferred
brand medications. See the 2020 Kaiser Medical Plans
At-a-Glance chart on page 8 for more information.
Combined medical and prescription deductible:
You do not have a deductible for prescription costs.
Your copayment varies based on retail/mail-order and
generic/preferred brand/non-preferred brand medication.
See page 9 for more information.
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Kaiser Medical Plans (California, Colorado, Hawaii and Mid-Atlantic States)
Below is a chart summarizing the Kaiser medical plan options. Covered benefits, limitations and exclusions may vary between
networks. For more details regarding the Summary of Benefits and Coverages, access www.mysaicbenefits.com and the
WellBeing365 portal.
2020 Kaiser Medical Plans At-a-Glance
Kaiser
Kaiser (California) Kaiser (Colorado) Kaiser (Hawaii)
(Mid-Atlantic States)
Annual Deductible
Employee $1,000 $1,000 None $1,000
Family $2,000 $2,000 None $2,000
Annual Out-of-Pocket Maximum
Employee $4,500 $4,500 $2,000 $4,500
Family $9,000 $9,000 $6,000 $9,000
Out-of-Network Benefits None None None None
Your Cost for Covered Services
Primary Care Physician
$30 copayment $30 copayment $15 copayment $30 copayment
(PCP)
Specialist $50 copayment $60 copayment $15 copayment $60 copayment
Preventive Care 100% Covered 100% Covered 100% Covered 100% Covered
Telemedicine Covered – no cost Covered – no cost Covered – no cost Covered – no cost
$100 copayment then
Emergency Room Care 20% after deductible 20% after deductible $50 copayment per visit
20% after deductible
Urgent Care $30 copayment, $60 copayment, $15 copayment per visit at $60 copayment,
deductible waived deductible waived Kaiser facilities within the deductible waived
Hawaii Service Area; 20%
coinsurance of applicable
charges at non-Kaiser
facilities outside the
Hawaii Service Area
Lab and X-ray 20% after deductible 20% after deductible 10% coinsurance 20% after deductible
Vision
Vision Exams/Eye Wear $0 copayment per exam – $0 copayment per exam – $15 copayment per exam; $0 copayment per exam –
once every 12 months once every 12 months $150 credit for hardware once every 12 months
Hardware allowance of Hardware credit of $125 Hardware credit of $125
$125 every 24 months every 24 months for every 24 months for
adults; children have adults; children have
hardware credit per hardware credit per
Affordable Care Act ACA guidelines
(ACA) guidelines
Note: The deductible and out-of-pocket maximum are the responsibility of the employee.
> < PREV PAGE 8 NEXT >2020 Kaiser Plans Prescription Coverage At-a-Glance
Kaiser
Kaiser (California) Kaiser (Colorado) Kaiser (Hawaii)
(Mid-Atlantic States)
Your Cost for Covered Services — In-Network Pharmacy Only
Retail Prescription Drugs (30-day Supply)
Generic $14 copayment $12 copayment $10 copayment $12 copayment
Brand Formulary $50 copayment $50 copayment $35 copayment $50 copayment
$50 copayment;
Non-formulary Brand $75 copayment $35 copayment $70 copayment
authorization is required
Specialty $50 copayment $75 copayment $200 copayment $70 copayment
Mail Order (90-day Supply)
Generic $28 copayment $30 copayment $20 copayment $30 copayment
Brand Formulary $100 copayment $125 copayment $70 copayment $125 copayment
$100 copayment;
Non-formulary Brand $185 copayment $70 copayment $175 copayment
authorization is required
Check with plan
Specialty $100 copayment $185 copayment $175 copayment
for details
> < PREV PAGE 9 NEXT >Cigna International Medical and Dental Plans
If you are an employee who is scheduled to be on an overseas assignment for at least six months, you are eligible to elect
coverage through the Cigna International Medical and Dental plans.
2020 Cigna International Health Benefits Plan At-a-Glance
Outside U.S. Inside U.S. In-Network Inside U.S. Out-of-Network
$0/individual $600/individual $1,000/individual
Annual Deductible
$0/family $1,800/family $3,000/family
Annual Out-of-Pocket $0/individual $4,000/individual $8,000/individual
Maximum $0/family $8,000/family $16,000/family
$0/individual
Coinsurance (employee share) 20% 40%
$0/family
Your Cost for Covered Services
0%; not subject
Hospital Stay 20% after plan deductible 40% after plan deductible
to deductible
HSA Not permitted by law
Prescription Drug
Tier 1 (generic): $10 copayment 40% coinsurance after
Tier 2 (preferred brand): $30 copayment plan deductible
30-day Pharmacy1 Covered at 100%
Tier 3 (non-preferred brand): $50 copayment Specialty: In-network
Tier 4 (specialty): $100 copayment coverage only
Covered at
Tier 1 (generic): 3 x 30-day copayment Retail: 40% coinsurance
90-day Pharmacy 100% for retail.
Tier 2 (preferred brand): 3 x 30-day copayment after plan deductible
(via retail or Cigna Home No coverage for Tier 3 (non-preferred brand): 3 x 30-day copayment Mail-order or Specialty:
delivery 2) home delivery Tier 4 (specialty): 3 x 30-day copayment In-network coverage only
outside the U.S.
In most cases, when you take your prescription for
a brand-name medication to the pharmacy, your
prescription will be filled with the generic alternative.
If you ask for the brand-name medication instead of
Dispense as Written (DAW) Does not apply to 40% coinsurance after
the generic alternative, unless your doctor requests
Member pays difference outside the U.S. plan deductible
the brand-name medication, you will pay a higher
amount. You will be responsible for paying your
copayment or coinsurance plus the difference in cost
between the brand name medication and the generic.
2020 Cigna International Dental Plan At-a-Glance
Annual Maximum Benefit $1,500
Annual Deductible $50 Individual/$150 Family
Preventive Care $0
Basic Restorative Care 20% after deductible
Major Restorative Care 50% after deductible
Orthodontia Care (Children under 19 Years) 50% coinsurance (deductible waived); subject to $1,500 lifetime maximum
1
Retail pharmacies include independent, chain and regional pharmacies (CVS, Walgreens, Target, Costco, etc.).
2
Only available in the U.S.
Note: The copayment, deductible and out-of-pocket maximum are the responsibility of the employee.
> < PREV PAGE 10 NEXT >Voluntary TRICARE Supplement Plan
In addition to the above medical plan options, SAIC also offers coverage under the voluntary TRICARE Supplement Plan for military retiree
employees enrolled in a TRICARE plan. If you have military retiree coverage through TRICARE Reserve Select, and you are not already
enrolled in the voluntary TRICARE Supplement Plan, you may not enroll in this plan. The voluntary TRICARE Supplement Plan through the
TRICARE Reserve Select Plan are only available to currently enrolled participants. No other supplemental coverage is impacted.
2020 Voluntary TRICARE Supplement Plan At-a-Glance
TRICARE Prime or
TRICARE Select TRICARE Reserve Select TRICARE Retired
Care Required Point-of-Service (POS)
Supplement Supplement* Reserves Supplement
Supplement
Rank E4 and below: Network:
$300/individual $50 individual/ $154 individual/
Out-of-Network: $100 family $308 family
$600/family
Annual Deductible $150/individual
(POS deductible/ Rank E5 and above: Out-of-Network:
$300/family
Out-of-Network) $150 individual/ $308 individual/
$300 family $616 family
Your Cost for Covered Services
Network: $29 or $41 Network: $20 or $30 Network: $15 or $25 Network: $25 or $41
Primary Care Out-of-Network: POS: 50% of POS Out-of-Network: Out-of-Network:
Outpatient Visit 25% of TRICARE allowed deductible and 20% of TRICARE 25% of TRICARE
amount 100% of POS cost share allowable charge allowed amount
Network: $250 per day,
or up to 25% hospital
charge, whichever is
Network: Network:
less, plus 20% separately
MTF: $19.05 per day $60 per admission $179 per admission
billed services
Inpatient Admission Network Hospital: Out-of-Network: Out-of-Network:
Out-of-Network: $953
$154 per admission 20% of TRICARE 25% of TRICARE
per day, or 25% hospital
allowed amount allowed amount
charge, whichever is
less, plus 25% separately
billed services
Network: $250 per day,
or up to 25% hospital
charge, whichever is
Network: $30 per day
Inpatient Skilled less, plus 20% separately Network: $25 per day Network: $51 per day
Nursing/Rehab billed services POS: 50% of the
Out-of-Network: Out-of-Network: lesser
Admission deductible and
Out-of-Network: $50 per day of $308 per day or 20%
100% POS cost share
100% hospital charge
plus 100% separately
billed services
Prescription Drugs
Civilian Network Copayment: $11 generic; Copayment: $11 generic; Copayment: $11 generic; Copayment: $11 generic;
Pharmacy $28 brand-name or $28 brand-name or $28 brand-name or $28 brand-name or
(30-day Supply) $53 non-formulary $53 non-formulary $53 non-formulary $53 non-formulary
Home Delivery,
Mail Order; Up to 90-day Copayment: $7 generic; Copayment: $7 generic; Copayment: $7 generic; Copayment: $7 generic;
Supply; Copayments $24 brand-name or $24 brand-name or $24 brand-name or $24 brand-name or
Based on Each $53 non-formulary $53 non-formulary $53 non-formulary $53 non-formulary
(30-day Supply)
Annual Deductible
Annual Deductible
($50/$100 or
($150 or $300); plus: Formulary:
$150/$300); plus:
Formulary: $28 or 20% of total cost,
Civilian Out-of-Network 50% of POS deductible Formulary: whichever is more
$28 or 20% of total cost,
Pharmacy (30-day and 50% of POS $28 or 20% of total cost,
whichever is more Non-Formulary:
Supply) cost share whichever is more
Non-Formulary: $53 or 20% of total cost,
Non-Formulary: whichever is more
$53 or 20% of total cost,
$53 or 20% of total cost,
whichever is more
whichever is more
Note: The deductible is the responsibility of the employee.
> < PREV PAGE 11 NEXT >SUPPLEMENTAL MEDICAL INSURANCE
The financial impact of the health care plans varies, Group Critical Illness Insurance through Aflac — Chances
depending on each employee’s unique situation and are you know someone who’s been diagnosed with a critical
plan selection. SAIC offers a number of voluntary illness, such as cancer, a heart attack (myocardial infarction)
supplemental insurance plans through Aflac and Allstate. or stroke. You can’t help but notice the strain it has placed on
These plans typically have low premiums that provide the person’s life — both physically and emotionally. What’s not
so obvious is the impact on that person’s personal finances.
additional financial protection to help offset the costs of
While the person is busy getting well, the bills may continue
certain medical expenses and the potential loss of income
to pile up.
associated with short-term disability.
Group Critical Illness Insurance benefits apply to:
Supplemental medical insurance plans can be elected
• Cancer
only as a new hire, during Annual Enrollment or a qualified
• Heart Attack
life event. Premiums are automatically deducted through • Stroke
after-tax payroll deductions. For more information about • $50 Health Screening Benefit (once per calendar year)
the supplemental plans, access the Resources page on
www.mysaicbenefits.com and the WellBeing365 portal. Group Hospital Indemnity Insurance through Aflac —
High and Low options — Does your medical insurance cover
These include: all of your bills? Even a minor trip to the hospital can present
Group Accident Insurance through Allstate — Group you with unexpected expenses and medical bills.
Accident Insurance pays benefits for on- and off-the-job Group Hospital Indemnity Insurance through Aflac provides
accidents, plus some benefits that correspond with medical financial assistance to enhance your existing coverage so you
care. Because accident insurance is supplemental, it pays can avoid dipping into savings, or having to borrow to cover
in addition to other coverage you may already have. This out-of-pocket expenses.
coverage pays a benefit up to a specified amount for accidental
death, dismemberment, dislocation or fracture, initial hospital Hospital Indemnity Insurance benefits cover:
confinement, hospital confinement, intensive care, ambulance • Hospital Confinement
service, medical expenses and outpatient physician’s treatment. • Hospital Admission
• Hospital Intensive Care
> < PREV PAGE 12 NEXT >SAVINGS ACCOUNTS (HSA, FSA AND BENEFITWALLET)
Health Savings Account (HSA)
Opening and Using an HSA HSA Eligibility
Per IRS regulations, you must be enrolled in an HSA-eligible
An HSA is a tax-advantaged savings account that eligible
plan, such as the Premium, Standard or Core plans, to be
individuals may use to pay for out-of-pocket qualified
eligible to contribute to an HSA. In addition, you cannot:
health care expenses, including medical, dental, vision and
• Have any health coverage, other than an HSA-eligible plan.
prescription costs, before and after meeting deductibles.
However, you can still be an eligible individual even if your
SAIC’s HSAs are administered by BenefitWallet, one of the
spouse has non-HSA-eligible plan coverage, provided you
nation’s top health account administrators. In order to be
are not covered by that plan.
eligible to participate in the HSA, you must be enrolled in
• Have coverage under a General Purpose FSA or health
an SAIC HSA-eligible medical plan and meet HSA eligibility
reimbursement arrangement, TRICARE, or any other type
requirements outlined on this page. Other personal funds can
of coverage that provides significant benefits in the nature
also be contributed directly to your HSA. These contributions
of medical care.
are tax deductible, even if you do not itemize deductions. • Be a dependent on another person’s tax return.
Key HSA Features • Be enrolled in Medicare (Note: If you delay your enrollment
in Medicare Part A at age 65, you will remain eligible to
Pre-Tax Contributions*
contribute to an HSA).
You may contribute pre-tax income to an HSA.
Note: An otherwise HSA-eligible veteran who receives hospital
Triple-Tax Benefit care or medical services from Veteran’s Affairs (VA) for a
1. Pre-tax contributions from your paycheck can be service-connected disability remains eligible for an HSA.
elected when you enroll and may be changed at
any time. HSA payroll deductions will begin with the Contribution Limits
first paycheck of the following month. Once the HSA The federal government limits the total amount of money
deductions are coming out of your paycheck and you that can be contributed to an HSA in a single year. You are
decide to change the deduction amount, those changes responsible for ensuring the total contributions to your account
are put in place in the next scheduled pay cycle. stay within the federal limits (including the amount of any
2. Withdrawals from your HSA used to pay for qualified health wellness incentives that SAIC may contribute to your HSA
care expenses for you and your tax dependents are free during the year).
from federal income tax. Any money left in your HSA at
the end of the year remains in your HSA year after year. IRS HSA ANNUAL CONTRIBUTION LIMITS FOR 2020
3. Once your HSA reaches a balance of $1,000, you can
Employee Only Coverage $3,550
invest your funds. Interest and any earnings in the account
are free from federal income tax (provided you withdraw Family Coverage $7,100
the money to pay for qualified health care expenses). 55 and Older* Additional $1,000
Portable. Your HSA is owned by you and remains with you *Please note that you are eligible to make a catch-up contribution if you
will turn age 55 by December 31, 2020. You may make your catch-up
should you leave the company. contribution any time during the year you will turn age 55. Also note that
your covered spouse/verified domestic partner age 55 or older will have to
Retirement Health Care. Your HSA funds can be used in create a separate account outside the SAIC benefit offering to contribute the
retirement to pay for qualified health care expenses, additional $1,000.
including premiums.
Please remember that wellness incentives count toward the IRS
Employer Contributions via the SAIC Wellness Program. HSA annual contribution limit. Plan your contributions carefully
SAIC will make contributions into your HSA in the form of so you will not over-contribute to your account. The annual
wellness incentives earned through the RALLY® wellness contribution limit applies to all contributions made to your HSA
program. See page 18 to learn more about earning from all sources, including your contributions through payroll
wellness incentives. deduction, any after-tax personal contributions and any earned
* Tax-free for federal income tax and most state income tax. wellness or other incentives contributed by SAIC. These combined
cannot exceed the annual contribution limits listed above.
> < PREV PAGE 13 NEXT >Flexible Spending Account (FSA)
SAIC offers a Health Care FSA, a Limited Purpose FSA and a Dependent Care FSA. These accounts are administered by
BenefitWallet, and you will be able to file your claims, track your accounts and find helpful tools for managing your accounts
online on the BenefitWallet member portal, accessible from the WellBeing365 portal.
• A Health Care FSA allows you to use pre-tax dollars to pay You can use funds in a Limited Purpose FSA to pay for eligible
for eligible out-of-pocket health care expenses. A Health out-of-pocket dental and vision expenses. In addition, after you
Care FSA is sometimes referred to as a General Purpose FSA. have met the annual deductible of your medical plan, you can
then use the Limited Purpose FSA to pay for eligible medical
• A
Limited Purpose FSA allows you to use pre-tax dollars expenses. Both the Health Care FSA and Limited Purpose FSA
to pay for eligible out-of-pocket dental and vision expenses have an annual maximum contribution limit of $2,700 in 2020.
until you meet your medical plan deductible. Then you may
use it to pay for eligible out-of-pocket medical, dental and All benefits-eligible employees may participate in the Dependent
vision expenses. If you enroll in an HSA-eligible plan and you Care FSA, and the annual household maximum contribution
are eligible for the HSA, you cannot participate in the Health limit is $5,000 in 2020.
Care FSA, but you can participate in the Limited Purpose FSA. Please note that FSA funds do not roll over from year to year,
as they do in an HSA. Plan your contributions carefully in order
• A Dependent Care FSA allows you to use pre-tax dollars to use all FSA funds during the plan year as any funds not spent
to pay for eligible out-of-pocket day care expenses. Your are forfeited under the IRS “use-or-lose” rule.
dependent must be a qualified tax dependent under age 13,
or require care because of a physical or mental incapacity. Please visit the BenefitWallet member portal, accessible from
the WellBeing365 portal, for additional information about FSAs.
> < PREV PAGE 14 NEXT >BenefitWallet Makes Managing
Your HSA Easy
While enrolling in your benefits online, be sure to review and accept the
account terms and conditions to set up the HSA after you elect to enroll
in any HSA-eligible plan. Once BenefitWallet receives your enrollment
information, they will send you a welcome kit.
• M
ember Portal — The BenefitWallet member portal has everything
you need to understand and manage your HSA or FSA, from savings
calculators and educational videos to account statements. From the
member portal, you can update your contact information and check
your account balance and recent transactions. You can also access
your complete transaction history, reflecting current and year-to-date
debits/withdrawals, as well as all credits.
• D
ebit Card — Debit cards featuring chip technology make it easy
to use your HSA, Health Care FSA or Limited Purpose FSA and
offer greater consumer protection and peace of mind. One card
per account will be mailed and must be activated upon receipt.
Additional cards may be requested online or by calling the
BenefitWallet Service Center.
• M
obile App — The BenefitWallet mobile app features Touch ID and
easy access to the BenefitWallet Service Center. To download the
mobile app, search for it by name (BenefitWallet+) in Google Play
(for Android users) or Apple Store (iOS).
Important HSA Enrollment Reminder
While enrolling in your benefits online, be sure to review
and accept the account terms and conditions to set up
the HSA after you elect to enroll in any HSA-eligible plan.
Once BenefitWallet receives your enrollment information,
they will send you a welcome kit.
NOTE: To roll over your existing HSA, contact your HSA
administrator to initiate and understand the requirements.
You may complete a Transfer Into BenefitWallet form to move
funds from an existing HSA account into a BenefitWallet
account, if your current administrator allows. Log on to
the WellBeing365 portal to download the form (Library >
Documents & Forms > Reference Materials > BenefitWallet
Transfer Form). Follow the detailed instructions on the form.
> < PREV PAGE 15 NEXT >DENTAL PLANS
To provide you with choice, everyone is offered two PPO options. The PPO options will offer some similar
services both in-and out-of-network, with a cost difference depending on whether you use an in-network
provider. The Standard PPO plan provides orthodontia care, but this service is not covered in the Core
PPO plan.
The following PPO dental plan options are available for 2020:
• Aetna/Cigna Standard Dental
• Aetna/Cigna Core Dental
Both options cover preventive care at 100 percent. Insurance companies will vary by geographic region
and will be either Aetna or Cigna. Please note that your dental plan carrier may differ from your medical
plan carrier.
Dental Plans Coverage At-a-Glance
The chart below is a summary of dental plan options. Additional information, including employee cost
for each level of coverage, is available on the WellBeing365 portal.
2020 Dental Plans Coverage At-a-Glance
Standard Dental Core Dental
$50/individual $75/individual
Annual Deductible
$150/family $225/family
Annual Maximum Benefit $2,000 per person per year $1,000 per person per year
Your Cost for Coverage
Office Visit $0* $0
Preventive/diagnostic care (exams, cleanings,
$0* $0*
fluoride treatment)
Diagnostic X-ray services $0* $0*
Basic care (e.g., fillings) 20% after deductible 40% after deductible
Major care (e.g., crowns, bridges, dentures) 50% after deductible 50% after deductible
$2,500 per person-lifetime
Orthodontia maximum; Not Covered
50% for adult and child
Note: The deductible is the responsibility of the employee.
*Out-of-network services are reimbursed at the allowed amount of reasonable and customary. Members are responsible for what
the Plan does not cover when an out-of-network provider is used.
If you are enrolled in the Aetna Core or Standard PPO dental plan, you will not receive a Dental ID card
because it is not needed for services. If you would like to have a copy of a Dental ID card, log in to the
WellBeing365 portal (Health & Well-Being > Health & Well-Being > More … > Contacts & Helpful Info >
Aetna). You will be able to download or print a copy of a Dental ID card from the Aetna site. If you enroll in
the Cigna Core or Standard dental plan, you will receive a Dental ID card in the mail.
> < PREV PAGE 16 NEXT >VISION PLANS
Two vision plans are offered through Vision Service Plan (VSP) — a Core and Standard option. ID cards
are not issued by VSP. Simply provide your vision provider with your name, date of birth and Social
Security number when you seek care.
To review how to obtain VSP services, access the Wellbeing365 portal (Health & Well-Being > Health &
Well-Being > More … > Contacts & Helpful Info > VSP).
2020 Vision Plan At-a-Glance through VSP*
Core Plan
Copayment (Exam and/or Materials) $20
Exam Every Calendar Year
Lenses Every Calendar Year
Frames Every Calendar Year
Diabetic Plus Eye Care $20 per visit
Examination Covered after copayment
Retina Screening Not to exceed $39
Covered in full after copayment
Contact Lens Exam (Fitting and Evaluation) Member receives 15% off of contact lens exam services;
member’s copayment will never exceed $60
The most popular lens options are covered in full
Maximum Copayment on Lens Options
after copayment, saving an average of 20%
Frame Allowance $180/$100 at Costco
Elective Contact Lenses (Costco and retail locations)** $180
Necessary Contact Lenses** Covered after copayment
Average of 20% discount
Lens Options
Costco — usual and customary fees
Standard Plan
The Standard Plan includes Core Plan coverage shown above, plus the Easy Option.
Easy Option: At the point of service, each member can choose one of the following:
• A $250 frame allowance (up from plan allowance of $180), or
• Anti-reflective lenses, or
• Progressive lenses, or
• Photo-chromatic lenses, or
• A $250 elective contact lens allowance in lieu of glasses (up from plan allowance of $180).
*Out-of-network benefits available at lesser coverage levels than at network provider coverage levels shown.
**Contact lenses are in lieu of spectacle lenses and frames once every 12 months.
> < PREV PAGE 17 NEXT >WELLNESS RESOURCES 365 DAYS A YEAR
Enjoy RALLY by Optum
Rally by Optum is where you can complete your annual Incentives for You: Beginning in February 2020,
health survey, participate in wellness challenges and benefits-eligible employees can start earning incentives.
discussion boards, sync fitness tracking devices and The maximum incentive you can earn will be determined
engage in digital and health courses. Explore ways to by your base annual salary as of January 1, 2020, or your
improve your health, from finding your Rally Age™ or date of hire, if you were hired after January 1, 2020.
completing a fitness challenge to quitting tobacco with Please see the table below for additional details.
the industry-leading Quit For Life® Program. Note: Employees on long-term overseas assignments
of six months or more are not eligible to participate
Get Your Rally Age: Rally allows you to obtain your in the wellness program.
Rally Age, receive personalized activity recommendations,
connect with an online Optum Wellness Coach and much
more. There are many activities you can complete to earn Extra HSA Incentives for Expectant Moms
wellness incentives, either in the form of SAIC contributions
to your HSA, or other rewards, called Rally Coins, if you The Healthy Baby Program is provided by Health Advocate
don’t have an HSA. Individual participation and results and connects moms-to-be with a registered nurse who is
through Rally will be confidential and will not be shared experienced in prenatal and postnatal care. The program
with SAIC. SAIC will be informed of your incentive completion is available to you, your spouse, verified domestic partner
to pay out your rewards. You can visit the Rally site from or a dependent covered under an HSA-eligible Premium,
the WellBeing365 portal (Health & Well-Being > Wellness Standard or Core plan. You can earn up to $2,000 in
Rewards > Login to Rally). additional HSA incentives for participating. To learn more
contact Health Advocate.
2020 RALLY Wellness Program At-a-Glance
INCENTIVE AMOUNT INCENTIVE AMOUNT INCENTIVE AMOUNT
If you enroll in a Kaiser plan,
If you enroll in an HSA-eligible If you enroll in an HSA-eligible
WellBeing365: enroll in the PPO or enroll in
Premium, Standard or Core plan, Premium, Standard or Core plan,
Rally By Optum Incentives an HSA-eligible Premium,
are eligible to contribute to are eligible to contribute to an
Standard or Core plan but cannot
an HSA and your salary is less HSA and your salary is $100k
contribute to an HSA,
than $100k per year or more per year
or waive SAIC medical coverage
Rally Coins redeemable for
Maximum Incentive sweepstakes opportunities,
Up to $1,000 HSA contribution Up to $500 HSA contribution
Available to earn auctions, donations or Rally
Marketplace discounts
> < PREV PAGE 18 NEXT >SAIC-PROVIDED BENEFITS (AT NO COST TO YOU)
— LIFE, ACCIDENT AND DISABILITY
Basic Term Life Insurance Short-Term Disability
SAIC provides you with Basic Term Life insurance coverage The plan provides income replacement at 662/3 percentage
in the amount of one times your base annual earnings, up of your weekly base pay, up to $3,202 per week after a 7-day
to a maximum of $500,000. You can also choose a cap of benefit waiting period during the disability period, up to a
$50,000 to avoid imputed income tax. maximum of 180 days. Benefits commence on the eighth
(8th) day of disability.
Basic Accidental Death and Dismemberment
(AD&D) Insurance
Designate Your Beneficiaries
If you pass away as a result of an accident, your beneficiary
Do not forget to complete your Beneficiary Designations on
may receive Basic AD&D benefits. If you are injured as
the WellBeing365 portal. Your beneficiary designation is
the result of an accident, you may receive a percentage of
important, as it determines who will receive your Life and
your coverage based on your injury. Eligible employees will
AD&D benefits should something happen to you. It also
automatically receive Basic AD&D coverage equal to one times
ensures a prompt, smooth transfer at a sad and stressful
your annual base pay, up to a maximum benefit of $250,000.
moment in the lives of your loved ones.
Business Travel Accident (BTA) Insurance
BTA Insurance provides benefits to your beneficiaries if
you have an accident that results in death while traveling
on company business. The coverage may also provide
benefits if you are injured while traveling on company
business. You may receive a percentage of your coverage
based on your injury. The coverage amount equals three
times annual base pay, up to a maximum of $300,000.
> < PREV PAGE 19 NEXT >VOLUNTARY BENEFITS
ID Protection Pet Insurance
Protect yourself from the dangers of identity theft. Unexpected veterinary bills can bring financial uncertainty
PrivacyArmor is a proactive fraud detection benefit, and stress when a pet becomes ill or injured. You can opt
which includes full-service remediation for state-of-the art for a medical plan for your dog, cat, bird or exotic pet at
identity protection, including tools to protect your digital any time if you are a benefits-eligible employee. Go directly
identity and finances. You can enroll in identity theft to www.petinsurance.com/saic or call 877-738-7874
protection (Individual or Family Plan). and mention that you are employed by SAIC to receive
PrivacyArmor includes all of these features: preferred pricing.
• Unlimited credit scores and reports from TransUnion BenefitHub
• Annual tri-bureau credit score and report A world of discounts is waiting. Enjoy discounts, rewards and
• 401(k), HSA and stolen fund reimbursement perks on thousands of the brands you love in a variety of
• Tax fraud refund advance categories:
• Social media account takeover monitoring • Travel • Auto • Electronics
• Credit freeze assistance and in-portal credit lock • Apparel • Local Deals • Education
• In-portal credit disputes • Entertainment Tickets • Restaurants • Beauty & Spa
• Deceased family member coverage and remediation • Health & Wellness • Insurance • Sports & Outdoors
Legal Plan It’s easy to access and start saving.
Legal insurance isn’t just for serious issues. It’s for your 1. Go to saic.benefithub.com/
everyday needs, too. Some you plan for — like creating a 2. Under Create Account, enter your Email Address and
will or buying a home — and others are more unexpected — Confirm Your Email Address.
like fighting a traffic ticket or getting your deposit back from 3. Click on Create Account.
a difficult landlord. With legal insurance, Network Attorney 4. Complete
Registration and click on Create Your Profile.
fees are 100 percent paid-in-full for most covered matters.
Commuter Program
The Commuter Program is administered by WageWorks.
Group Long-Term Care Insurance
The program allows you to use pre-tax dollars to pay for your
Help protect yourself and your family from the high cost of
transit and parking expenses related to getting to and from
long-term care. This comprehensive group long-term care
work. You can set aside:
insurance, available to you and your eligible family members,
can help you: • T ransit expenses: Up to $270 pre-tax per month to cover
the cost of buses, trains, subways, etc.
• Protect your savings and assets when you retire
• P arking expenses: Up to $270 pre-tax per month to cover
• Stay in your home to receive care as long as possible
the cost of parking near your place of work or near your
• Relieve the burden of future care from loved ones
place of commuting to work.
Enroll online at www.genworth.com/groupltc
You decide how much to contribute to a transit or parking
(Group Name: SAIC; Code group: ltc) or enroll by
expense account — or choose to contribute to both — up to the
calling 800-416-3624 and mention that you are
IRS limits. You contribute to the account through pre-tax payroll
employed by SAIC to receive preferred pricing.
deductions — saving you 20 to 40 percent on transit and parking
expenses and increasing your spendable income. You have the
Items to Consider When Enrolling in freedom to change or stop your contributions at any time.
or Canceling Benefits
You may enroll in or cancel coverage in ID Protection
or the Legal plan as a new hire or during Annual
Enrollment, or if you experience a qualified life event.
You may enroll in or cancel Long-Term Care,
Pet Insurance and Commuter benefits at any time.
> < PREV PAGE 20 NEXT >Supplemental Life Insurance
Supplemental Term Life Insurance Coverage Options
If you want more insurance than your Basic Life benefits
provided by SAIC, you can buy Supplemental Term Life
PAYING FOR COVERAGE
You automatically receive the following benefits, which are fully
Insurance at low group rates. You may make changes to your paid for by SAIC:
coverage during Annual Enrollment subject to plan guidelines. • Basic Life and AD&D Insurance
For You: • Short-term Disability (STD)
Amounts in increments equal to one-half up to eight • Business Travel Accident (BTA)
times annual base pay, up to a maximum of $1,500,000. • Services and Support
You pay the full cost of coverage, after tax. You will need to
Pre-Tax and After-Tax Benefits
provide evidence of insurability (EOI) if you purchase amounts
over $750,000. During Annual Enrollment, you may increase Your cost for medical, dental and vision coverage and any
contributions you make to your Health Care FSA, Dependent
your supplemental life coverage amount by one level, up to
Care FSA, Limited Purpose FSA, and/or Health Savings
$750,000, without providing EOI.
Account (HSA) are made on a pre-tax basis. This means that
your contributions are deducted before federal and Social
For Your Dependents:
Security taxes are taken, so you reduce your taxable income
Spouse or verified domestic partner life coverage may be
and save money. STD benefits are taxable when received.
purchased in increments of $10,000, $25,000, $50,000,
For other benefits, you pay the full cost of coverage on an after-
$75,000 or $100,000. Supplemental Spousal Life Insurance
tax basis. Your cost is determined by the coverage you elect.
can be purchased without EOI, up to $25,000. During Annual
Enrollment, EOI is required for volumes greater than $25,000 Note: There can be certain tax implications if you are covering
an eligible domestic partner and/or their children.
or increases of more than one benefit level. Dependent life
coverage for children up to age 26 may be purchased in the
amount of $5,000, $10,000, $20,000 or $30,000 per child.
OTHER BENEFITS
Grandfathered coverage amounts may apply to legacy
Engility employees.
Supplemental AD&D
You can purchase additional AD&D insurance for yourself Paid Leave
only or for you and your family. You pay the full cost of this For information on paid leave, including military leave,
coverage, post-tax. You can purchase supplemental AD&D comprehensive leave, holidays, new parent leave and maternity
in amounts equal to one-half up to 10 times your annual leave, refer to https://issaic.saic.com/sites/benefits/overview.
base pay, up to a maximum of $1,000,000.
Retirement Program
For information on the SAIC 401(k) plan visit the Vanguard site at
Voluntary Long-Term Disability (LTD)
http://saic.vanguard-education.com/.
After 180 days of disability, LTD benefits begin and pay
60 percent of your covered monthly base salary and your
prior year’s cash bonus (where applicable). This monthly
payment is subject to a maximum of $15,000 per month.
Evidence of Insurability (EOI) is waived for first-time enrollees.
If you previously waive coverage and want to enroll in LTD
at a later date, you will be subject to medical underwriting and
required to complete the EOI form. The LTD plan will not pay
benefits for "pre-existing conditions" until you have been cov-
ered under the plan for 12 consecutive months. A pre-existing
condition is any illness or injury for which you were diagnosed
or treated, or took medicines as prescribed or recommended
by a physician within 3 months before your LTD coverage
takes effect. You pay the full cost of LTD coverage on an after-
tax basis.
> < PREV PAGE 21 NEXT >WELLBEING365 SERVICES & SUPPORT
WellBeing365 will provide personalized, quality health care coverage and access to many tools and
resources. You are encouraged to use these tools throughout the year. These programs are available to
you at no extra cost.
Available Year-Round
Telephonic or connect by visiting https://wellbeing365.saic.com
Health Advocate A free service to help employees navigate the world of health care,
Telephonic: 877-776-6211 from finding a participating provider and scheduling appointments to
Monday through Friday, 8 a.m. to 10 p.m. ET understanding Explanation of Benefits and preparing appeals, if necessary.
The Healthy Baby program is available through Health Advocate.
WellBeing365 Service Desk A representative can assist you with questions regarding the
Telephonic: 855-798-8686 WellBeing365 portal and your 2020 benefits. You can also use the
Monday through Friday, 8 a.m. to 6 p.m. ET, except on holidays Chat Now feature within the portal.
ConsumerMedical* You can turn to ConsumerMedical for guidance on any health concern
Telephonic: 888-361-3944 you or your covered dependents may face. Back pain, cancer, ADHD,
Monday through Friday, 8:30 a.m. to 11:30 p.m. ET diabetes, heart disease and arthritis are just a few of the medical
conditions where ConsumerMedical can assist. A team of experts can
Online: Health & Well-being > Services & Support > help you understand your diagnosis and all available treatment options,
ConsumerMedical link find the right doctor or hospital for your needs, get a second opinion
if you need one and even cope with having a medical condition.
Also, if you’re considering certain elective surgeries, you can even earn
a $400 gift card for working with ConsumerMedical.
GuidanceResources Get help and access to resources for dealing with life events — like
Employee Assistance Program through ComPsych advice on caretaking, legal situations or finances. You and your family
Telephonic: 877-400-9562 members will have access to five face-to-face counseling sessions,
per case, over the course of one year. The GuidanceResources® Now
24/7 support | Web ID: SAIC mobile app is available to download from the App Store (iOS) or Google
Online: Home > Benefit Highlights > Health Tools > Play (Android).
Talk to someone at ComPsych about issues that may affect
your work or home life > Get Help button
Connect with these online-only resources by visiting https://wellbeing365.saic.com
Return to Health, Powered by WiserTogether* An easy-to-use personalized guide to help you understand health
Online: Health & Well-being > Services & Support > conditions and their treatment choices. More than 300 health conditions
WiserTogether link are easily combined with clinical evidence, patient ratings, potential cost
and recovery data to help you learn about your personalized health care
options and get you feeling better, faster.
Castlight* A health care tool that enables you to evaluate in-network services
Online: Health & Well-being > Services & Support > prior to treatment so that you can find the highest-quality, lowest-cost
Castlight link services to improve outcomes and save money.
Evive* A secure messaging service that can help employees optimize their
Online: Home > Benefit Highlights > Read Today’s Callout health care decisions and save money by providing reminders and
recommendations.
Plan Comparison Tool Following a life event, access an online modeling tool that can help you
Online: Heath & Well-being > Health & Well-Being > More … compare your medical and dental plan options and choose the one that
> Plan Comparison Tool is right for you and your family.
Rally, Powered by Optum** Rally is an online health experience that helps you set well-being goals.
Online: Home > Benefit Highlights > Wellness Rewards Rally is also where employees will engage in activities that reward them
with HSA incentives or Rally Coins.
*
Generally available to employees who are enrolled in an Aetna, Anthem or Cigna medical plan option.
**
Available to all benefits-eligible employees, excluding employees on overseas assignments.
> < PREV PAGE 22 NEXT >THE ENROLLMENT PROCESS
• G
o to the WellBeing365 portal at https://wellbeing365.saic.com.
The portal is filled with information, services and support
for your health and wellness.
• C
onfirm important dependent information.
– Be sure to provide a Social Security number for any
dependent you enroll in medical, dental, vision and
spouse/domestic partner life coverage.
– Verify coverage eligibility for your dependents. Review
the information in the Know Who is Eligible section.
• Check to see if your current medical, dental or vision provider
is in your network by using the Provider Lookup Tool on the
WellBeing365 portal, https://wellbeing365.saic.com,
or by speaking with a Health Advocate specialist.
• If you are enrolling in an HSA-eligible plan, you must
complete the set up of your new HSA during the
enrollment process in order to make contributions
through payroll deduction or to earn wellness incentives.
• Confirm and/or update your beneficiary information
when you enroll on the WellBeing365 portal,
https://wellbeing365.saic.com.
• After you complete your enrollment, be sure to complete
eligibility verification for your dependents. Failure to
provide the requested documentation within the specified
timeframe will result in your dependent being removed
from coverage. Examples of acceptable eligibility Making Changes to Your Benefits During the Year
verification documents include: The benefits you elect remain in place through the end
–P roof of marital status — redacted tax return or of 2020. However, you may make changes to certain
marriage certificate benefits during the year if you experience a qualified
– Proof
of verified domestic partnership — proof of life event, such as a marriage, divorce or birth of a child.
registration with a state or local domestic partner To learn more about qualified life events, visit the
registry, residency document, joint ownership document WellBeing365 portal at https://wellbeing365.saic.com
– Proof
of parent — birth certificate, hospital record, and click Life Events from the home page.
adoption paperwork report of birth abroad, full legal
You may enter a future date to model a life event without
guardianship document
impacting your current elections. This will allow you to
• Consider electing voluntary supplemental insurance view changes to costs of your benefits should you
offerings (see page 12 for more information): experience a qualified life event.
– Critical Illness Insurance
– Accident Insurance
– Hospital Indemnity Insurance
• Print a copy of your benefits confirmation statement
for your records once you complete your enrollment.
Be sure to review it thoroughly.
> < PREV PAGE 23 NEXT >YOUR 2020 WELLBEING365 CONTACTS
Your 2020 WellBeing365 Contacts
Benefit Provider Website Call
Medical
Aetna www.aetna.com 855-695-3416
Anthem www.anthem.com/ca 855-567-4698
Cigna www.mycigna.com 855-820-6604
Toll free: 800-441-2668
Cigna International www.CignaEnvoy.com Direct phone: 302-797-3100
Direct fax: 302-797-3150
Kaiser, California www.kp.org 800-464-4000
Kaiser, Colorado www.kp.org 888-681-7878
Kaiser, Mid-Atlantic www.kp.org 800-777-7902
Kaiser, Hawaii (Oahu) www.kp.org 808-432-5955
Kaiser, Hawaii (Neighbor Islands) www.kp.org 800-966-5955
Voluntary TRICARE Supplemental info.selmanco.com/saic 800-638-2610 x560
Prescription Drug
844-232-2329
CVS Caremark www.caremark.com
Specialty Pharmacy: 800-237-2767
Dental
Aetna www.aetna.com 855-695-3416
Cigna www.mycigna.com 855-820-6604
Toll free: 800-441-2668
Cigna International www.CignaEnvoy.com Direct phone: 302-797-3100
Direct fax: 302-797-3150
Vision
VSP www.vsp.com 800-877-7195
BenefitWallet
HSAs and FSAs www.mybenefitwallet.com 855-214-9793
Life Insurance and AD&D
00-732-1603 (Life application form questions)
8
Life Insurance & AD&D — Cigna www.cigna.com/customer-forms 800-238-2125 (Claim form questions)
800-36-Cigna (24462) - (Claim questions)
Disability
Short-Term Disability www.sedgwickcms.com 855-556-4347
800-36-Cigna (24462)
Long-Term Disability www.cigna.com/customer-forms
866-562-8421 (Español)
Services
877-400-9562 (U.S.)
Employee Assistance Program www.guidanceresources.com International:
(EAP — ComPsych Guidance Resources) WebID: SAIC · Collect call number: 1-312-595-0074
· Direct dial back to US: 800-272-7255
Health Advocate www.HealthAdvocate.com/SAIC 877-776-6211
www.myconsumermedical.com
ConsumerMedical 888-361-3944
Company Code: SAIC
> < PREV PAGE 24 NEXT >Your 2020 WellBeing365 Contacts (continued)
Benefit Provider Website Call
Wellness
Rally/Optum www.werally.com/client/saic/register 877-818-5826
Tobacco Cessation Program — Quit For Life www.quitnow.net 866-QUIT-4-LIFE (866-784-8454)
Voluntary Benefits
Critical Illness Insurance — Aflac www.aflacgroup.com 800-433-3036
Accident Insurance — Allstate www.allstatevoluntary.com/saic 866-828-8501
Hospital Indemnity Insurance — Aflac www.aflacgroup.com 800-433-3036
Long-Term Care — Genworth www.genworth.com/groupltc 800-416-3624
ID Protection — InfoArmor ®
www.myprivacyarmor.com 800-789-2720
Commuter Parking and Transit — WageWorks www.wageworks.com 877-924-3967
Legal Plan — ARAG ARAGLegalCenter.com 800-247-4184
Pet Insurance — Nationwide www.petinsurance.com/saic 877-738-7874
Use the Available Resources to Evaluate Your Options
In addition to reviewing the information in this guide, you are encouraged to review other materials on the WellBeing365
portal. Information on the pharmacy plan, prescription drug costs and drug lists is available on www.caremark.com.
Use the Plan Comparison Tool, available on the WellBeing365 portal, to model different scenarios for your medical plan
options, view annual contributions and compare estimates of your potential out-of-pocket medical and pharmacy costs.
If you are a legacy SAIC employee, enrolled in an SAIC medical plan, this tool will be pre-loaded with up to 18 months
of your aggregate medical cost information. Otherwise, the tool will use medical cost data based on a robust national
database of normative claims.*
You can use this tool to help project what your costs may be for 2020 and receive recommendations about which plan
might be the best fit for you.
*This data will not be visible to SAIC Human Resources. It is visible only to you to assist in your plan selection.
> < PREV PAGE 25 NEXT >SAIC COMPLIANCE NOTICES
Creditable Coverage Notice
Important Notice from SAIC about Your Prescription Drug What Happens to Your Current Coverage if You Decide to
Coverage and Medicare Join a Medicare Drug Plan?
Please read this notice carefully and keep it where you If you decide to join a Medicare drug plan, your current SAIC
can find it. This notice has information about your current coverage will not be affected. You may keep your current
prescription drug coverage with SAIC and about your options coverage with the Claims Administrator, and this Plan will
under Medicare’s prescription drug coverage. This information coordinate with your Medicare drug plan.
can help you decide whether or not you want to join a Medicare If you do decide to join a Medicare drug plan and drop your
drug plan. If you are considering joining, you should compare current SAIC prescription drug coverage, be aware that you
your current coverage, including which drugs are covered at and your dependents might not be able to get this coverage
what cost, with the coverage and costs of the plans offering back, depending on your employer’s eligibility policy. This risk
Medicare prescription drug coverage in your area. Information might also extend to your medical coverage, so it is worthwhile
about where you can get help to make decisions about your to ask before enrolling in a Medicare drug plan.
prescription drug coverage is at the end of this notice.
When Will You Pay a Higher Premium (Penalty) to Join a
There are two important things you need to know about your Medicare Drug Plan?
current coverage and Medicare’s prescription drug coverage:
You should also know that if you drop or lose your current
1. Medicare prescription drug coverage became available in coverage with SAIC and don’t join a Medicare drug plan within 63
2006 to everyone with Medicare. You can get this coverage if continuous days after your current coverage ends, you may pay a
you join a Medicare Prescription Drug Plan or join a Medicare higher premium (a penalty) to join a Medicare drug plan later.
Advantage Plan (like an HMO or PPO) that offers prescription
If you go 63 continuous days or longer without creditable
drug coverage. All Medicare drug plans provide at least a
prescription drug coverage, your monthly premium may go
standard level of coverage set by Medicare. Some plans may
up by at least 1 percent of the Medicare base beneficiary
also offer more coverage for a higher monthly premium.
premium per month for every month that you did not have that
2. SAIC has determined that the prescription drug coverage
coverage. For example, if you go 19 months without creditable
offered by the SAIC medical plans is, on average for all
coverage, your premium may consistently be at least 19
plan participants, expected to pay out as much as standard
percent higher than the Medicare base beneficiary premium.
Medicare prescription drug coverage pays and is, therefore,
You may have to pay this higher premium (a penalty) as long
considered Creditable Coverage. Because your existing
as you have Medicare prescription drug coverage. In addition,
coverage is Creditable Coverage, you can keep this coverage
you may have to wait until the following October to join.
and not pay a higher premium (a penalty) if you later decide
to join a Medicare drug plan. For More Information about This Notice or Your Current
Prescription Drug Coverage
When Can You Join a Medicare Drug Plan?
For further information about this notice or your current SAIC
You can join a Medicare drug plan when you first become
prescription drug coverage, contact HR Shared Services at
eligible for Medicare and each year from October 15 through
866-955-7242, option 3. NOTE: You’ll get this notice each
December 7. However, if you lose your current creditable
year. You will also get it before the next period you can join a
prescription drug coverage, through no fault of your own,
Medicare drug plan, and if this coverage through SAIC changes.
you will also be eligible for a two-month Special
You also may request a copy of this notice at any time.
Enrollment Period (SEP) to join a Medicare drug plan.
> < PREV PAGE 26 NEXT >For More Information about Your Options under Medicare Women’s Health and Cancer Rights Act of 1998
Prescription Drug Coverage If you have had or are going to have a mastectomy, you may
More detailed information about Medicare plans that offer be entitled to certain benefits under the Women’s Health and
prescription drug coverage is in the Medicare & You handbook. Cancer Rights Act of 1998 (WHCRA). For individuals receiving
You’ll get a copy of the handbook in the mail every year from mastectomy-related benefits, coverage will be provided in
Medicare. You may also be contacted directly by Medicare a manner determined in consultation with the attending
drug plans. For more information about Medicare prescription physician and the patient, for:
drug coverage: • All stages of reconstruction of the breast on which the
• Visit www.medicare.gov mastectomy was performed;
• Call your State Health Insurance Assistance Program (see • Surgery and reconstruction of the other breast to produce
the inside back cover of your copy of the Medicare & You a symmetrical appearance;
handbook for their telephone number) for personalized help. • Prostheses; and
• Call 1-800-MEDICARE (800-633-4227). TTY users should
• Treatment of physical complications of the mastectomy,
call 877-486-2048.
including lymphedema.
If you have limited income and resources, extra help paying These benefits will be provided subject to the same
for Medicare prescription drug coverage is available. deductibles and coinsurance applicable to other medical
For information about this extra help, visit Social Security and surgical benefits provided under the SAIC Health Plans.
on the web at www.socialsecurity.gov, or call If you would like more information on WHCRA benefits, call
800-772-1213 (TTY 800-325-0778). your plan administrator at the telephone number listed in the
Remember: Keep this Creditable Coverage notice. WellBeing365 Contacts on page 24.
If you decide to join one of the Medicare drug plans,
you may be required to provide a copy of this notice
when you join to show whether or not you have maintained
creditable coverage and, therefore, whether or not you are
required to pay a higher premium (a penalty).
Date: October 15, 2019
Name of Entity/Sender: SAIC
Contact–Position/Office: HR Shared Services
Address: P.O. Box 2501
151 Lafayette Drive
Oak Ridge, TN 37831
Phone Number: 866-955-7242, option 3
> < PREV PAGE 27 NEXT >CHIP Notice
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP If you qualify, ask your state if it has a program that might
and you’re eligible for health coverage from your employer, help you pay the premiums for an employer-sponsored plan.
your state may have a premium assistance program that If you or your dependents are eligible for premium assistance
can help pay for coverage, using funds from their Medicaid under Medicaid or CHIP, as well as eligible under your employer
or CHIP programs. If you or your children aren’t eligible for plan, your employer must allow you to enroll in your employer plan
Medicaid or CHIP, you won’t be eligible for these premium if you aren’t already enrolled. This is called a “special enrollment”
assistance programs but you may be able to buy individual opportunity, and you must request coverage within 60 days
insurance coverage through the Health Insurance Marketplace. of being determined eligible for premium assistance.
For more information, visit www.healthcare.gov. If you have questions about enrolling in your employer plan,
If you or your dependents are already enrolled in Medicaid contact the Department of Labor at www.askebsa.dol.gov or
or CHIP and you live in a state listed below, contact your call 1-866-444-EBSA (3272).
state Medicaid or CHIP office to find out if premium assistance
is available. If you or your dependents are NOT currently enrolled
in Medicaid or CHIP, and you think you or any of
your dependents might be eligible for either of these programs,
contact your state Medicaid or CHIP office or dial 1-877-KIDS
NOW or www.insurekidsnow.gov to find out how to apply.
If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums.
The following list of states is current as of July 31, 2019. Contact your state for more information on eligibility.
ALABAMA — Medicaid INDIANA – Medicaid
Website: myalhipp.com Healthy Indiana Plan for low-income adults 19-64
Phone: 1-855-692-5447 Website: www.in.gov/fssa/hip
Phone: 1-877-438-4479
ALASKA — Medicaid All other Medicaid
The AK Health Insurance Premium Payment Program Website: www.indianamedicaid.com
Website: myakhipp.com Phone: 1-800-403-0864
Phone: 1-866-251-4861
IOWA — Medicaid
Email: CustomerService@MyAKHIPP.com
Medicaid Eligibility: dhss.alaska.gov/dpa/Pages/medicaid/default.aspx Website: dhs.iowa.gov/Hawki
Phone: 1-800-257-8563
ARKANSAS — Medicaid
KANSAS — Medicaid
Website: myarhipp.com
Phone: 1-855-MyARHIPP (855-692-7447) Website: www.kdheks.gov/hcf
Phone: 1-785-296-3512
COLORADO – Health First Colorado
(Colorado’s Medicaid Program) & Child Health Plan Plus KENTUCKY – Medicaid
(CHP+) Website: chfs.ky.gov
Health First Colorado Website: www.healthfirstcolorado.com Phone: 1-800-635-2570
Health First Colorado Member Contact Center:
1-800-221-3943/State Relay 711 LOUISIANA – Medicaid
CHP+: www.colorado.gov/pacific/hcpf/child-health-plan-plus Website: dhh.louisiana.gov/index.cfm/subhome/1/n/331
CHP+ Customer Service: 1-800-359-1991/State Relay 711 Phone: 1-888-695-2447
FLORIDA — Medicaid MAINE – Medicaid
Website: flmedicaidtplrecovery.com/hipp/ Website: www.maine.gov/dhhs/ofi/public-assistance/index.html
Phone: 1-877-357-3268 Phone: 1-800-442-6003
TTY: Maine relay 711
GEORGIA — Medicaid
Website: medicaid.georgia.gov/health-insurance-premium-payment- MASSACHUSETTS – Medicaid and CHIP
program-hipp
Website: www.mass.gov/eohhs/gov/departments/masshealth
Phone: 678-564-1162 ext. 2131
Phone: 1-800-862-4840
> < PREV PAGE 28 NEXT >MINNESOTA – Medicaid NEVADA – Medicaid
Website: mn.gov/dhs/people-we-serve/seniors/health-care/ Medicaid Website: dhcfp.nv.gov
health-care-programs/programs-and-services/other-insurance.jsp Medicaid Phone: 1-800-992-0900
Phone: 1-800-657-3739
SOUTH DAKOTA - Medicaid
MISSOURI – Medicaid Website: dss.sd.gov
Phone: : 1-888-828-0059
Website: www.dss.mo.gov/mhd/participants/pages/hipp.htm
Phone: 1-573-751-2005 TEXAS – Medicaid
MONTANA – Medicaid Website: gethipptexas.com
Phone: : 1-800-440-0493
Website: dphhs.mt.gov/MontanaHealthcarePrograms/HIPP
Phone: 1-800-694-3084 UTAH – Medicaid and CHIP
Medicaid Website: medicaid.utah.gov/
NEBRASKA – Medicaid CHIP Website: health.utah.gov/chip
Website: www.ACCESSNebraska.ne.gov Phone: 1-877-543-7669
Phone: (855) 632-7633
VERMONT– Medicaid
Lincoln: (402) 473-7000
Omaha: (402) 595-1178 Website: www.greenmountaincare.org
Phone: 1-800-250-8427
NEW HAMPSHIRE – Medicaid
Website: www.dhhs.nh.gov/oii/hipp.htm VIRGINIA – Medicaid and CHIP
Phone: 603-271-5218 Medicaid Website: www.coverva.org/programs_premium_assistance.cfm
Toll free number for the HIPP program: 1-800-852-3345, ext 5218 Medicaid Phone: 1-800-432-5924
CHIP Website: www.coverva.org/programs_premium_assistance.cfm
NEW JERSEY – Medicaid and CHIP CHIP Phone: 1-855-242-8282
Medicaid Website:
www.state.nj.us/humanservices/dmahs/clients/medicaid SOUTH CAROLINA – Medicaid
Medicaid Phone: 609-631-2392 Website: www.scdhhs.gov
CHIP Website: www.njfamilycare.org/index.html Phone: 1-888-549-0820
CHIP Phone: 1-800-701-0710
WASHINGTON – Medicaid
NEW YORK – Medicaid
Website: www.hca.wa.gov
Website: www.health.ny.gov/health_care/medicaid Phone: 1-800-562-3022 ext. 15473
Phone: 1-800-541-2831
WEST VIRGINIA – Medicaid
NORTH CAROLINA – Medicaid Website: mywvhipp.com/
Website: medicaid.ncdhhs.gov Phone: 1-855-MyWVHIPP (1-855-699-8447)
Phone: 1-919-855-4100
WISCONSIN – Medicaid and CHIP
NORTH DAKOTA – Medicaid
Website: www.dhs.wisconsin.gov/publications/p1/p10095.pdf
Website: www.nd.gov/dhs/services/medicalserv/medicaid
Phone: 1-800-362-3002
Phone: 1-844-854-4825
WYOMING – Medicaid
OKLAHOMA – Medicaid and CHIP
Website: wyequalitycare.acs-inc.com
Website: www.insureoklahoma.org
Phone: 307-777-7531
Phone: 1-888-365-3742
OREGON – Medicaid
Website: healthcare.oregon.gov/Pages/index.aspx
www.oregonhealthcare.gov/index-es.html To see if any other states have added a premium assistance program
Phone: 1-800-699-9075 since July 31, 2019, or for more information on special enrollment
rights, contact either:
PENNSYLVANIA – Medicaid
U.S. Department of Labor Employee Benefits Security Administration
Website: www.dol.gov/agencies/ebsa
www.dhs.pa.gov/Services/Assistance/Pages/Medical-Assistance.aspx
1-866-444-EBSA (3272)
Phone: 1-800-692-7462
RHODE ISLAND – Medicaid and CHIP U.S. Department of Health and Human Services Centers for Medicare
& Medicaid Services
Website: www.eohhs.ri.gov
www.cms.hhs.gov
Phone: 855-697-4347, or 401-462-0311 (Direct RIte Share Line) 1-877-267-2323, Menu Option 4, Ext. 61565
> < PREV PAGE 29 NEXT >This 2020 Benefits Enrollment Guide is a Summary of Material Modification (SMM) for the SAIC Health and Welfare Benefits plan. The SMM describes changes
to the Health and Welfare benefit plans. This SMM amends the most recent Summary Plan Descriptions (SPDs), available on www.mysaicbenefits.com and
https://wellbeing365.saic.com.
> < PREVYou can also read
