Invest in Your Health programs, health coaching and incentives – empowering employees to invest in their health and be educated health care consumers. Now, with lots of hard work

1Advantage Health Resource Guide

Invest in Your HealthAdvantage Health Resource Guide

2 Advantage Health Resource Guide

Our Commitment to a Culture of Health

A few years ago, BAE Systems changed how we thought about health. We adopted a new approach, providing quality medical benefits while promoting biometric screenings, preventive care programs, health coaching and incentives – empowering employees to invest in their health and be educated health care consumers. Now, with lots of hard work by employees and their families – we are becoming healthier.

We know health and wellness is a journey, and BAE Systems is pleased to offer you and your family resources to better manage health care costs, get engaged, and stay motivated on your healthy lifestyle journey.


Table of Contents

Welcome ......................................................................................................... 4

The Advantage Health Medical Plan ........................................................... 5

Advantage Health Benefits at a Glance ........................................................ 6

How Your Health Savings Account (HSA) Works .......................................... 7

Wellness Incentives .................................................................................. 8–10

Valuable Cigna Resources ..................................................................... 11–14

Take Charge of Your Benefits ............................................................... 15–17

Prescription Drug Benefits .................................................................... 18–19

Other Benefits Information ......................................................................... 21

Explanation of Benefits .............................................................................. 22

Resources ..................................................................................................... 23

This guide includes information about the resources available to you and your family to help you make the most of your BAE Systems medical benefits through Cigna, and pharmacy benefits through CVS Caremark.



Welcome to Your BAE Systems Medical Plan

BAE Systems offers comprehensive medical plans designed to meet the needs of you and your family. Medical coverage is provided through Cigna and prescription drug coverage is provided through CVS Caremark.

Your medical plan includes valuable benefits such as:

• AccesstoCigna’snationwidenetworkofproviders,withnoreferralsnecessary

• Preventivecarecoveredat100%*

• DedicatedCignacustomerserviceandclaimssupport

• Healthcoachingandotherprogramstohelpyoustayhealthy

Preventive care Whenyouseein-networkproviders,eligiblepreventivecareiscoveredat100%withnocopaymentsordeductibles.Preventiveservicesincludeservicessuchasanannualphysicalexamination,breastcancerscreening,coloncancerscreening,androutineimmunizationssuchasflushotsandmore.Preventiveprescriptiondrugs,includingwomen’scontraceptives,arealsocoveredat100%withnoadditionalcosttoyou.Ifservicesaredonetodiagnose,monitor,ortreatasymptomorhealthissueatyourpreventivecarevisit,therewillbeacosttoyou.

*Notallpreventivecareservicesarecovered.Forexample,immunizationsfortravelaregenerallynotcovered.ContactCignaat800.530.1314foracompletelistofcoveredpreventivecareservices.


Advantage Health Plan

TheAdvantageHealthmedicalplanemphasizeswellnessandprevention–doingthingstopreventhealthproblemsratherthanjusttreatingthemwhentheyoccur.Bybecominganeducatedhealthcareconsumerandtakingchargeofyourhealth,youcanreduceyourcostsformedicalservicesandimproveyourqualityoflife,nowanddowntheroad.

AlthoughAdvantageHealthhasalargerdeductiblethatmustbemetbeforebenefitsarepaid,thelowerplanpremiumcostshelpoffsetthelargerdeductible.Employeesareencouragedtosavethedifferenceinatax-advantagedHSAthatcangrowovertimelikea401(k)account.*

AdvantageHealthisaqualifiedhigh-deductiblehealthplanpairedwithaHealthSavingsAccount(HSA)thathelpsyousaveandpayforhealthcareexpensesnowandinthefuture.IfyouenrollforanycoveragelevelotherthanEmployeeOnlycoverage,thefamilydeductiblemustbemetbeforebenefitsarepaidforanyindividualfamilymember.

Youandyourcoveredspousecaneachearnupto$500inWellnessIncentivesinyourHSAtospendoneligiblehealthcareexpenses.Youearnincentivesbyparticipatinginwellnessactivitiesdesignedtohelpyouandyourspousemaintainandimproveyourhealth.Seepage8fordetails.

1. Annual deductible

Thisistheamountofeligiblemedicalandprescriptiondrugexpensesyoumustpayeachyearbeforetheplanbeginstopayapercentageofthoseexpenses.

Note:Ifyouenrollyourspouseorchildren,thefamilydeductiblemustbemetbeforebenefitsarepaidforanyindividualfamilymember.

2. CoinsuranceOnceyourdeductibleismet,youandtheplansharethecostofeligibleexpenses.AdvantageHealthwillcover80%ofyoureligiblein-networkexpenses,andyoupay20%.

3. Out-of-pocket maximum

Youreligiblein-networkmedicalandprescriptiondrugexpensescounttowardyourout-of-pocketmaximum.Thisisthemaximumyouwillpayduringtheyear,includingyourdeductibleandcoinsurance.Oncereached,theplanpays100%ofeligiblemedicalandprescriptiondrugexpensesfortherestoftheyear.

How the Advantage Health medical plan works

*HSAcontributionsandearningsarenotsubjecttofederaltaxesandnotsubjecttostatetaxesinmoststates.Afewstatesdonotallowpretaxtreatmentofcontributionsorearnings.Contactyourtaxprofessionalforinformationaboutyourstate.


Advantage Health Benefits at a Glance

In-Network Medical BenefitsPreventive care Youpaynothing;theplanpays100%

Deductible $1,500individual/$3,000family*(applies to both medical and prescription drugs)

Coinsurance After meeting your deductible,youpay20%andtheplanpays80%

Out-of-pocket maximum $3,500individual/$7,500family**(applies to both medical and prescription drugs)

Non-preventive care (doctor’s office visits, specialists, hospitalization, outpatient care, emergency room)

After meeting your deductible,youpay20%andtheplanpays80%

Account HSAfundedbyyouandthecompany

Wellness incentives $500employee/$1,000totalwithspouse

Customer service VisitmyCigna.comorcall800.530.1314

Prescriptions

GenericAfter meeting your deductible,youpay20%andtheplanpays80%(applies to both retail pharmacy and mail order drugs)(deductible does not apply to certain generic preventive drugs***)

Preferred brand name After meeting your deductible,youpay20%andtheplanpays80%(applies to both retail pharmacy and mail order drugs)

Non-preferred brand name After meeting your deductible,youpay20%andtheplanpays80%(applies to both retail pharmacy and mail order drugs)

Specialty medications: Limited to a 30-day supply

After meeting your deductible,youpay20%andtheplanpays80%.DrugsmustbepurchasedfromCVSCaremarkSpecialtyPharmacyoraCVSretailpharmacy.

Refill limits on maintenance drugs Afterthreefills,youmustfillmaintenancemedicationsbymailoraCVSPharmacy

Customer service Visitcaremark.com/baesystemsorcall866.236.8236

Health Savings AccountIRS limit $2,950foremployee-onlycoverage/$5,900forfamilycoverage****

Customer service YourSpendingAccount(YSA)Teamat888.900.4223 (Part of the BAE Systems Benefit Center)

Bank UMBHealthcareServices

*Ifyouenrollotherfamilymembers,thefullfamilydeductibleof$3,000mustbemet–notjusttheindividualdeductible–beforebenefitsbeginforanyone.**Forout-of-pocketmaximum,onceonefamilymemberreachestheindividualout-of-pocketmaximum,theplanpaysforthatpersonfortheremainderoftheyear.***Thelistofgenericpreventivedrugscoveredpriortothedeductiblebeingmetcanbefoundatcaremark.com/baesystems.****ThisamountexcludesthemaximumamountofincentivesyoucanearntopreventyoufromovercontributingtheIRSlimit.


How Your Health Savings Account WorksHealthSavingsAccounts,orHSAs,arelikepersonalsavingsaccounts,butthefundscanonlybeusedtopaymedicalandprescriptionexpenses.YoucontrolthemoneyinyourHSA.Thefundscanbeusedtopaycurrenteligiblehealthcareexpenses,oryoucaninvestyourmoneytouselater,suchasduringretirement.

Benefits of an HSAHSAs offer triple tax savings*

• Themoneyyousaveistaxdeductible.• Youraccountgrowstax-free.• Youneverpaytaxesonthemoneyyoutakeoutto

payforqualifiedhealthcareexpenses.

The money in your HSA is always yours

• Thereisno“useitorloseit”rule.Youraccountbalanceremainsthereuntilyouaccessthefundstopayforqualifiedexpenses.Youraccountisportable.Thatmeansitbelongstoyouevenifyou:• Changejobsormedicalplans• Retireorstopworking

• Youdecidehowmuchtocontribute.

YousignupfortheHSAduringeachyear’sannualenrollment,andyoucanstart,stop,orchangeyourpayrollcontributionsatanytime.TheamountyoucancontributeisdeterminedbytheIRSandcanchangeeveryyear.

*HSAcontributionsandearningsarenotsubjecttofederaltaxes,however,afewstatestreatthecontributionsastaxableincome.ThoseemployeesresidinginCaliforniaandNewJerseywillhaveapplicablestatetaxeswithheldfromtheircontributionseachpayperiod.EmployerwellnessincentivestotheHSAarealsosubjecttostatetaxesinthesetwostates.

Using Your HSA WhenyouenrollinanHSA,youhaveaccesstoYourSpendingAccount™(YSA),awebsiteinBenefitsNavigatorthatletsyoumanageyourHSAonlineanytime.Youcancheckyourbalance,submitaclaimforreimbursement,checkclaimreimbursementstatus,etc.YouwillalsobeissuedaYSAcardthatallowsyoutoeasilypayforeligibleexpenses.

IfyouhaveanHSA,besuretodownloadtheYSAReimburseMemobileappontoyourmobiledevice.TheReimburseMeappmakesiteasytoaccess,view,andmanageyouraccountfromanywhere.

Afterreceivingmedicalservices,youwillreceiveanExplanationofBenefitsfromCignashowingyourshareoftheprovider’sbill.YoucanuseyourdebitcardtomakeapaymentdirectlyfromyourHSAtotheprovider.

Restrictions on Flexible SpendingAccounts (FSAs)

YoucanparticipateinaLimitedPurposeHealthCareFSAwhilecontributingtoanHSA.ALimitedPurposeFSAcanbeusedtopayonlydentalandvisionexpenses–notmedicalexpenses.

Medicare and TRICARE

IfyouareeligibleorenrolledinMedicareorenrolledinTRICARE,youarenoteligibletocontributetoanHSA.However,youmayhaveotheroptions.ContacttheBenefitCenterformoredetailsat888.900.4223.

Qualified expenses

MakesureyouuseyourHSAonlyforqualifiedexpenses.Youcanfindacompletelistofqualifiedexpensesatwww.irs.gov/publications/p502.IfyouuseyourHSAtopaynonqualifiedexpenses,you’llpaytaxesplusanadditional20%penaltyifyou’reunderage65.

Withdrawals after age 65

Afteryoureachage65orbecomeentitledtoMedicareduetodisability,youmaywithdrawmoneyfromyourHSAfor“nonmedicalpurposes.”Thesewithdrawalswillbesubjecttonormalincometaxes.


Earning Wellness Incentive Awards in Your HSA

BAESystemsanditsplansarecommittedtohelpingyouachieveyourbesthealth.Ifyouthinkyoumightbeunabletoachievethestandardsfortherewardunderthiswellnessprogram,youmayqualifyforanopportunitytoearnthesamereward,butbymeetingadifferentormodifiedstandard.Yourhealthcoachwillworkwithyoutodevelopareasonableand/oraccommodatinggoaltoqualifyfortheincentives.

OR

Complete a biometric screening during your annual physical: $100Abiometricscreeningcanspothealthissuesbeforetheybecomeseriousbymeasuringbloodpressure,bloodglucose,cholesterol,andbodymassindex(BMI).ThesescreeningsareperformedaspartofanannualphysicalexamwhichyourBAESystemsmedicalplancoversatnoadditionalcost.Rememberto

printaWellnessForm,availableatmyCigna.com,totaketoyourphysicalexam.

Meet or exceed biometric targets

Biometricscreeningresultsarewithinahealthyrange.Youearn$200.

Miss one or more biometric targets

Engagewithahealthcoachandmeettwoagreedongoalstoearn$200.

AdvantageHealthpaysbigdividendsthroughWellnessIncentiveAwards.EarningincentiveawardstofundyourHSAreducesyourout-of-pocketcosts.Earningyourincentivesearlierintheyearmeansyourfundsareavailablesooner.Youandyourcoveredspousecaneachearnupto$500inincentivefundsinyourHSAbycompletingthefollowingsteps.

Biometric targets • BMI:lessthan28• Bloodpressure:135/89orlower

• Bloodglucose:115mg/dlorlower• Cholesterol:239mg/dlorlower


Earning Additional Wellness Incentive Awards Youcanearnup to $200bycompletingsomeoftheseactivities.Youcanearntheseincentivesatanytimeduringtheyear.

• PersonalHealthAssessment:$50TakeashortonlineassessmentatmyCigna.comandgetyourWellnessScore.YourWellnessScorecomparesyourwellnesstootherpeopleinyouragegroupandsuggestswaystoimproveyourscore.

• Onlinecoachingmodules:$50Cignaoffersonlinetrainingmodulesthatyoucancompletetoearnincentiveawards.Coachingisavailableonawiderangeofsubjects,includingnutrition,exercise,maintainingbalance,controllingasthma,managingdiabetes,andquittingtobacco.YoucanaccessonlinecoachingonmyCigna.com.

• Preventivecancerscreening:$50That’sright–getpaidforhavingaprocedurethatcouldsaveyourlife.Getacolonoscopy,mammogram,cervicalcancerscreening,orprostatescreening,coveredat100%withnodeductible.

• Cignaapps&activities:$100Getconnected,havefun,andearnrewardsbylinkingyourfitnesstrackerorsmartphoneonmyCigna.com.Getpersonalizedrecommendations,trackyourprogress,andhavefunchallengingothers.

• Visionexam:$50 IfyouareenrolledinaVSPvisionplanandgetanannualvisionexam,youwillautomatically*receiveincentivedollars.

• Getasecondopinionformusculoskeletalconditions through Advance Medical: $100AdvanceMedicalgivesyouaccesstoleadingexpertswhenyou’relookingforasecondmedicalopinion.Becausemusculoskeletalconditions(thoserelatedtothehip,joints,shoulder,knee,andneck)arealargesourceofbenefitcosts,youcanautomatically*earnincentiveawardsforseekingtreatmentsupportinformationononeoftheseconditions–evenifyoudon’tfollowtheadvice.Visitadvmed-inc.com/baesystemsorcall888.230.2442.

• Dental exam and oral health risk assessment: $50IfyouareenrolledinDeltaDental,youwillautomatically*earnincentiveawardsforgetting

anoralexamandcompletinganoralhealthriskassessment.

A REGISTERED MARK OF DELTA DENTAL PLANS ASSOCIATION

*Noformrequired.Incentiveawardsmaytakeseveralweekstoappearinyouraccount.

TakingtheDeltaDentalofVirginiaLifeSmileRiskAssessment

1.LogintothememberportalatDeltaDentalVA.com/subscribers.aspx.Note: Ifyouarethespouseoftheemployee,youwillneedtologintoyourspouse’saccounttocompletetheassessment.Youdonotneedtocreateaseparateaccount.

2.Clickonthe“LifeSmileAssessment”linkontheleftsideofthescreenunderneaththeIDcard.

3.ChoosewhichmemberistakingtheLifeSmileriskassessment.Note:Whenyouclickonthenameofthemembertakingtheassessment,theBAESystemsLifeSmilelandingpagewillopeninanewwindow.Ifthepop-upblockeristurnedoninyourbrowser,youwillneedtomakesuretoallowpop-upsonthesitetocontinue.

4.OnceontheLifeSmilelandingpage,clickonthe“EstimateMyDentalScores”tabatthetopandcompletetheself-evaluation.

5.Selectyourstateofresidenceandclick“Continue.”

6.Completetheriskassessment,enteryouremailaddress,andclick“Finish.”Note:Itisimportantthatyouenteryouremailaddresstoensureyoureceiveanemailwithyourriskassessmentscoreandanyotherimportantmessagesaboutyourresults.

7.View/printyourresultsandtakethemwithyoutoyournextdentistappointment.


Tips to make earning your incentives easier

• IfyoucompletedabiometricscreeningonorafterOctober1,2017,youcanusethoseresultsonyourWellnessScreeningFormtoearnyour2018incentive.

• BAESystems’medicalplanscoveranannualexameachcalendaryear.Youdon’thavetowaitafull12monthstogetyournextexam.

• YoumustcompleteyourPersonalHealthAssessmentonorafterJanuary1,2018.

Tips for submitting your Wellness Form

• MakesureyourWellnessScreeningFormhasallfourbiometricscreeningsmeasuresfilledout,andthattheformissignedbyyouandyourdoctor.

• YoucansubmityourcompletedWellnessScreeningFormbyfax,mail,oruploadingitonmyCigna.com.FollowtheSubmitCompletedFormsElectronicallylinklocatedintheRelatedLinkssectionontheIncentiveAwardspage.Submittingtheformyourselfmaybefasterandmoreefficientthataskingyourdoctor’sofficetodoit.

• KeepacopyofyourcompletedWellnessScreeningFormforyourrecords.

Monitoring your incentive progress

Wanttoknowwhatincentivesyouhaveearnedandwhatyournextstepsaretoearnmore?GotomyCigna.com,selectthe“MyHealth”tabandclickon“IncentiveAwards.”

Someincentivestakelongerthanotherstoprocess.• WellnessScreeningFormprocessingcantake

uptotwotothreebusinessdays.

• Cancerscreeningincentivescantakeupto30daysfromthedateCignaprocessestheclaim.

• AdvanceMedical,dental,andvisionincentivescantakeuptothreeweeks.

Wellness Incentive Tips



Valuable Cigna Resources

myCigna.com – An Easy Way to Access Your Health Information and Resources

myCigna.comcanhelpyoumakethemostofyourCignabenefits–whetheryou’reathome,atwork,oronthego.myCigna.comiscompletelypersonalized,soit’seasytofindwhatyou’relookingfor.

• Findin-networkdoctorsandothermedicalproviders• Manageandtrackclaimsandincentives• Estimatecostsformedicalservices• Comparequalityofcareratingsfordoctorsand

hospitalsinyourplan’snetwork• OrderIDcards/printatemporaryIDcard• Accessavarietyofhealthandwellnesstools

andresources,includingarticles,videos,productdiscounts,andonlinecoachingprograms

The myCigna® App – A little App with big features

You’rebusierthanever.AtCigna,wegetthat.So,wecreatedatooltohelpmakeyourlifeeasier.ThemyCigna App*givesyouasimplewaytopersonalize,organizeandaccessyourimportanthealthinformation–onthego.Itputsyouincontrolofyourhealth,soyoucangetmoreoutoflife.

TheappgivesyouaccesstotheCignadirectoryofproviders,hospitals,labs,andfacilities,withmapsforinstantdrivingdirections.Inaddition,youcan:

• QuicklyviewIDcardsthatyoucanprint,email,orscanfromyoursmartphone

• Viewandsearchpastclaimsandtrackyourdeductibleandcoinsurance

• Seethecostforproceduresandfacilitiesrightfromyourphone

*ThedownloadinganduseofthemyCignamobileappissubjecttothetermsandconditionsoftheAppandtheonlinestoresfromwhichitisdownloaded.Standardmobilecarrieranddatausagechargesapply.

Our dedicated Cigna customer service teamBAESystemshaspartneredwithCignatoestablishadedicatedcustomerserviceteamforouremployeesandtheirfamilies.Thisteamisreadytoassistyoubyprovidingdetailsonyourmedicalbenefits,addressingclaimsandbillingquestions,andtrackingincentivecompletion.YoucanreachtheCignadedicatedteamat800.530.1314from9amto7pmEST,MondaythroughFriday.BepreparedtoprovideyourCignaIDnumberorSocialSecuritynumbersoyourcallcanbetransferreddirectlytothededicatedteamduringthesehours.Cigna’sregularcustomerservicerepresentativesareavailable24hoursaday,sevendaysaweek,365daysayear.




*AmwellandMDLIVEareindependentcompanies/entitiesandarenotaffiliatedwithCigna.ServicesareprovidedexclusivelybyAmwellandMDLIVEandnotbyCigna.Providersaresolelyresponsibleforanytreatmentprovided.Notallprovidershavevideochatcapabilities.Videochatisnotavailableinallareas.Amwell/MDLIVEservicesareseparatefromyourhealthplan’sprovidernetworkandmaynotbeavailableinallareas.

Working with a health coach isnotintendedasareplacementformedicalcarefromyourdoctor.Coachingisintendedtohelpyougetthemostfromyourappointmentswithyourdoctor,andtoofferadditional,ongoingpersonalsupporttohelpyouliveahealthylife.Allinteractionswithyourhealthcoachareconfidential.

Free24-hourHealthInformationLineSM

It’s2amandsomeoneinyourhouseissick.Insteadofrushingtotheemergencyroomforalongwaittoseeadoctor,youcantalkwithanursetoseeifthetripisnecessary.Whetheryou’redealingwithahighfeveroranunexpectedallergicreaction,nursesareavailabletoprovideguidanceanddirectyoutothemostappropriatetypeofcare.YoucanreachtheHealthInformationLinebycalling800.530.1314,24hoursaday,sevendaysaweek.Inanemergency,dial911orvisitthenearesthospital.

Health coaching

Youwillhaveaccesstopersonalhealthcoachestohelpyouandyourfamilymaintainorimproveyourhealthandaddresshealthrisks.Yourhealthcoachwillhelpyoudevelopanactionplanthattakesadvantageofavailablehealthandwellnessresources.

Basedonyourneeds,yourcoachcanoffer:

• Help making lifestyle changes.Examplesincludesmokingcessation,weightmanagement,andstressmanagement.

• Support for managing chronic conditions.Yourcoachcanhelpyougetthebestcarefromyourdoctoranddevelopaplantobettermanagechronicconditionsandidentifiedrisks.

• Access to an integrated personal health team.Basedonyourneeds,yourcoachcanconnectyouwithotherprofessionalswhospecializeinvariousareassuchasnutrition,exercise,cardiaccare,weightmanagement,stressmanagement,andpsychology.

Cigna Telehealth Connection

WithCignaTelehealthConnection,youcanconnectwithaboard-certifieddoctorwhen,whereandhowitworksbestforyou–viavideoorphone–withouthavingtoleavehomeorwork.Getthecareyouneed–includingmostprescriptions(whenappropriate)–forawiderangeofminorconditions.Atelehealthvisitcostsjust$42.Afteryoureachyourdeductible,youpayonlytheapplicablecoinsuranceontheper-visitcharge.

Registerforoneorbothtelehealthproviderssoyou’rereadywhenandifyouneedcare.*

Amwell®

• AmwellforCigna.com• 855.667.9722

MDLIVE®

• MDLIVEforCigna.com• 888.726.3171




Employee Assistance Program

TheEmployeeAssistanceProgram(EAP)offersyouandmembersofyourhouseholduptoeightfree,confidential,in-personvisitswithalicensedprofessionalcounselor.Thisbenefitisinadditiontothementalhealthcoverageavailableunderyourmedicalplan.TheEAPcanhelpyouidentifysolutionsandresourcesformanyoflife’schallenges,includingchildcare,seniorcare,familyissues,substanceuse,legalissues,andidentitytheft.Forassistance,contactCigna24hoursaday,sevendaysaweek,at800.530.1314ormyCigna.com.

Cigna Healthy Pregnancies, Healthy Babies® Program

Healthybabiesstartwithhealthypregnancies.WiththeCignaHealthyPregnancies,HealthyBabiesprogram,expectantparentsreceivethesupporttheyneedtostayhealthyduringandafterpregnancy.Byparticipatinginthisprogramyoucanearnupto$250inwellnessincentiveawards.Tolearnmore,visitmyCigna.comorcall800.615.2906.

Servicesinclude:• 24-houraccesstoexpertsupport• Alibraryofhealthinformation• Apregnancynewsletterandaparentingmagazine• Resourcesforexpectantfathers• Apersonalizedpregnancycalendar

Cigna Healthy Rewards® Program*

WiththeHealthyRewardsprogram,youcansaveonweightmanagementprograms,chiropracticservices,acupuncturetreatments,naturalsupplements,andmore.UsingtheHealthyRewardsprogramiseasy.Noreferralsorclaimformsareneeded.Allemployeesareeligible,andifyou’reaCignacustomer,you’reautomaticallyenrolled.Formoreinformation,visitmyCigna.com,selecttheMy Healthtab,choosePrograms & ResourcesandselectDiscount Programs – Healthy Rewards.

Your Personal Health Record

Keepingtrackofyourhealthinformationcanbechallenging.Cignamakesiteasytokeepyourmedicalhistoryatyourfingertips.StoreallyourhealthinformationinyourPersonal Health Record (PHR)andaccessitsecurely24hoursadayfrommyCigna.com.

WhenyouchoosetohaveyourCignalabresultsandmedicalclaimsdataautomaticallystoredinyourPHRyoucanviewthedetailsofreportedconditions/diagnoses(includingthenameofthephysicianthatsubmittedyourinformation).YouwillalsobeprovidedwithalinktoamedicallibraryofrelatedhealthcontentandresourcesforeachPHRentrytoofferyousupportandguidance.Youcanalsouploadimportantdocumentsandscannedimages,andenteradditionalinformationsuchasallergiesandover-the-countermedications.Then,nexttimeyouvisityourdoctor,faxoremailacopyofyourPHRSummary,orprintitoutandtakeitwithyou.YourPHRisprovidedinagreementwithWebMD®,aleaderinthehealthinformationindustry.

*SomeHealthyRewardsprogramsarenotavailableinallstates.Ifyourplanincludescoverageforanyoftheseservices,thisprogramisinadditionto,notinsteadof,yourplanbenefits.HealthyRewardsprogramsareseparatefromyourmedicalbenefits.A discount program is NOT insurance, and you must pay the entire discounted charge.


Additional Resources

Free Expert Medical Opinion from Advance Medical

Beingdiagnosedwithaseriousmedicalconditionisstressfulandoftenconfusing.ExpertMedicalOpinion,administeredbyAdvanceMedical,canhelp.ExpertMedicalOpinionoffersasecondopiniononmedicalcasescoveringarangeofconditions.Withonecall,youareconnectedtoaphysiciancasemanagerwhowillserveasyourpersonaladvocatetotalkaboutyoursituation,gatheryourmedicalrecords,arrangetohaveyourcasereviewedbyexpertsacrossthecountry,andansweryourquestions.

You’llreceiveacomprehensivereportofyourcaseteam’srecommendationsthatyoucanreviewwithyourpersonaldoctor.Thisbenefitiscompletelyvoluntaryandfreetoemployeesandtheirfamilies.Tolearnmore,call888.230.2442 orvisitadvmed-inc.com/baesystems.

We support your good health Since2015,employeesandtheirspouseshavelostmorethan20,000poundswhileparticipatingintheNaturallySlimprogram–acommon-sense,10-weekonlineweightlossprogram.BAESystemsoffersthisprogramsoyoucandiscoverthesecretstolosingweightwhileenjoyingthefoodsyoulove.Programswillbeannouncedthroughouttheyear.



Cigna Tools to Help you Take Charge of Your Benefits

Choose doctors with the Cigna Care Designation

TheCignaCareDesignationhelpstakesomeoftheguessworkoutofchoosingadoctor.Usingstandard,industry-acceptedmeasuresandinformation,Cignadoesanevaluationofitsnetworkdoctorsin18ofthemostcommonspecialties,includingthreeprimarycarespecialties.Cignaresultsshowdoctorswhohaveaprovenhistoryofachievinggoodqualityoutcomeswhilealsobeingcosteffective.DoctorswithtopresultsearntheCignaCareDesignation.

Find in-network doctors and facilities

TheFind a Doctor tabatthetopofmyCigna.comprovidesseparatesearchpathsfordoctorsandfacilities.Italsoallowsyoutosearchforcommonproceduresandshowscostranges.

Search Location: Looking For: (Name, keyword, etc.)

A - Z

HOSPITALORFACILITYDOCTOR PROCEDURE

Find a...

Usemycurrentlocation

Popular SearchesChiropractorDermatologistFamilyDoctorGastroenterologistGeneralPracticeDoctorInternalMedicineDoctorOB-GYNPediatricianPrimaryCarePhysician(PCP)PhysicalTherapist

OFFEREDTHROUGH

Talk with a doctor anytimeConnectwithanationwidenetworkofBoardCertifiedphysiciansthroughsecurevideoorphone.

LEARNMORE

SEARCH

Find Immediate CareIstheEmergencyRoom(ER)yourbestoption?Youmayfindfasterandmoreaffordablecare.

EXPLOREALTERNATIVES

Compare locations. Your choices can impact your wallet.

Colonoscopy

EstimatedCosts

$955 - $2,632

Youmayowe...............$457-$1,035

Searchnow

Knee Arthroscopy

EstimatedCosts

$4,523 - $12,213

Youmayowe...........$1,1170-$3,197

Searchnow

You searched For PCP | Near Getbetter, NH Plan OOAP, DPPO - Search Out-of-Network

Search Results

We found 500 Doctors

REFINERESULTS | RESET

78 Doctors Found In-Network

Sortby:CIGNACareDesignation

Doe, John, MD96 DoctorsHwyGetbetter, NH 00004(XXX) XXX-XXXX

View all practice locations

Doe, Jr. John, MD201 DoctorsHwyGetbetter, NH 00004(XXX) XXX-XXXX

View all practice locations

2.5 MilesView map

CIGNA Care Designations

Quality Designations

Specialty: Obstetrics and Gynecology

Cost Efficiency Rating

View procedures and cost information

6.6 MilesView map

CIGNA Care Designations

Quality Designations

Specialty: Obstetrics and Gynecology

Cost Efficiency Rating

View procedures and cost information

Getbetter,NHChange

ViewList|ViewMap

Indicates doctor with Cigna Care Designation

Clicking on Quality Designations will display the designation achieved

Qualitydesignations,cost-efficiencyandotherratingsreflectapartialassessmentofqualityandcost-efficiencyandshouldnotbethesolebasisfordecision-making.Theyarenotaguaranteeofthequalityofcarethatwillbeprovidedtoindividualpatients.Youareencouragedtoconsiderallrelevantfactorsandconsultwithyourphysicianwhenselectingaprovider.Providersareindependentcontractorssolelyresponsibleforcaredelivered.TheyarenotagentsofCigna.


Locateaqualityfacilityfor high-tech imaging

ForMRI,CT,orPETscanimagingservices,CignarequiresproviderstoprecertifycoveragewitheviCorebeforebenefitsarepaid.eviCorehasaccesstoanationalnetworkofapprovedradiologycenters.Besuretodiscussyouroptionswithyourdoctor.Youmaysavemoneybasedonwhereyoureceiveservice.Forhelplocatingthemostappropriatefacilitytomeetyourneeds,contactCignaat800.530.1314.



Manage your health care costs

Youhavesignificantinfluenceoveryourmedicalexpenses.Usein-networkproviderstotakeadvantageoflowercostsandhigherbenefits,andmakesmartchoicestosavemoney.

• Fortreatmentofminorillnessesorinjuries,visitanurgentcarefacilityinsteadofanemergencyroom.

• Askyourdoctortoprescribegenericdrugswheneverpossible.

• UsethecostandqualitytoolsonmyCigna.com tohelpdeterminethemostcost-effectiveplacetoreceivetreatment.

• RequestasecondmedicalopinionfromAdvanceMedical.


Cigna’s Estimate Health Care Costs tab at the top of myCigna.com shows what the plan will pay and what you will pay for certain conditions.* It gives you the cost information you need to make decisions.

UpperGIEndoscopy(withBiopsy)

Doctor:Rosenthal,GayleM,MDCIGNACareDesignation

Compare your costs because they can very significantly from one location to another.

Lowest:$1,226ElmhurstOutpatientSurgeryCenter

Highest: $ 2,093ElmhurstMemorialHospital

Estimated Out-of-Pocket Cost Tip:Useaccountfundstopayout-of-pocketexpenses $ 1,226 Estimated Out-of-Pocket Cost

Tip:Useaccountfundstopayout-of-pocketexpenses $ 2,093

ComparecostswhereDr.Rosenthalperformsthisprocedure:

ElmhurstOutpatientSurgeryCenter-$1,226

ComparecostswhereDr.Rosenthalperformsthisprocedure:

ElmhurstMemorialHospital-$2,093

Dr.Rosenthal,GayleM,MD’sPrimaryProcedureDr.Rosenthal,GayleM,MD’sAdditionalProcedureElmhurstOutpatientSurgeryCenterOtherProfessionalServicesOther

$107$0

$606$513

$0

Total cost before applying coverage $ 1,226

Dr.Rosenthal,GayleM,MD’sPrimaryProcedureDr.Rosenthal,GayleM,MD’sAdditionalProcedureElmhurstMemorialHospitalOtherProfessionalServicesOther

$107$0

$1,797$189

$0

Total cost before applying coverage $ 2,093

Total Cost Breakdown

PlanPaysCignapays85%afterdeductiblesmet

$0$

Your Coverage: Who Pays?

Total Cost Breakdown

Deductible-YouPayRemaining$4,480

Coinsurance-YouPayYoupay15%

Copay

$1,226$0

$0

Estimated out-of-pocket costs $ 1,226

HealthReimbursementAccountcouldpay...AvailableBalance:$1,180AUTO PAY ON:Claimsarebeingpaidautomatically.

$1,180

Use account funds to pay out-of-pocket expenses

Estimated out-of-pocket using HRA funds $ 46

PlanPaysCignapays85%afterdeductiblesmet

$0$

Your Coverage: Who Pays?

Deductible-YouPayRemaining$4,480

Coinsurance-YouPayYoupay15%

Copay

$2,093

$0

$0

Estimated out-of-pocket costs $ 2,093

HealthReimbursementAccountcouldpay...AvailableBalance:$1,180AUTO PAY ON:Claimsarebeingpaidautomatically.

$1,180

Use account funds to pay out-of-pocket expenses

Estimated out-of-pocket using HRA funds $ 913

BACKTOTHESEARCHRESULTS STARTOVER


Imageusedforillustrativepurposesonly.Actualcostswillvary.

*ThecostestimatescontainedintheDirectoryaredesignedtohelpyouandyourfamilybetterunderstandhowmuchyoucouldpayforthevarioushealthcareservicesyou’vesearchedfor.Theyarenotyourfinalcostandshouldnotbereliedontomakefinaldecisionsaboutwhathealthcareyoureceive.Cignaworkshardtohelpensurecostinformationisasuptodateandrelevantaspossible,butwecannotguaranteeorwarrantaccuracy.Theamountyouwillowecouldbedifferentbasedonavarietyoffactorsbeyondourcontrol(yourplandesign,yourcoverage,claimsyoumayhaveinprocess,thedoctororotherprovider,yourout-of-pocketcoststodate,yourplandeductible,moneyavailableinyourhealthcareaccounts[ifapplicable],wheretheserviceisprovided,etc.).Theseareestimates.


Fill 90-day prescriptions

Formedicationsthatyoutakeonaregularbasis,askyourdoctortowriteyourprescriptionfora90-daysupply.

• Youhavethechoicetofillyour90-dayprescriptionataCVSPharmacy,aCVSPharmacywithinTargetorthroughconvenienthomedelivery.

• Notonlyisfillinga90-daysupplyconvenientforyou,butthecostoffillinga90-daysupplyistypicallylessthanthecostoffillingthree30-daysupplies.

Review the Preventive Medication DrugList

ThePreventiveMedicationTherapyListincludesmedicationsthathelppreventchronichealthconditions,suchashighbloodpressure,whentakenregularly.IfyoutakeagenericmedicationthatisonthePreventiveMedicationTherapyList,youwillonlypaythecoinsuranceamount,evenifyouhavenotyetmetyourannualdeductible.

Here’showtofindthePreventiveTherapyDrugListoncaremark.com/baesystems.

Lookattheright-handsideofthepage,intheDrug Listssection,forthelinktotheGenerics Only Preventive Drug List.

Your Prescription Drug Benefits

Your prescription drug benefits are administered by CVS Caremark. TolocateaCVSCaremarknetworkretailpharmacyinyourarea,checkprescriptioncosts,orgetstartedwithmailorder,visitcaremark.comorcallaCustomerCarerepresentativetoll-freeat866.236.8236,24hoursaday,sevendaysaweek.

AboutUs|ContactUs

LearnMoreAboutYourPlanOptionsOurgoalistomakesureyoutakeadvantageofallyourprescriptionsavingsoptions.Learnaboutthesavingsavailableunderyourprescriptionplan.

CorePlusHealthPlan

HealthPlusPlan

EssentialHealthPlan(I&SSectorOnly)

AdvantageHealthPlan(I&SSectorOnly)

CheckDrugCostsHowmuchwillyoupay?Findadrugcostbasedonyourbenefitplanandprescriptiondosage.

CorePlusHealthPlanFamilyCoverage–CheckDrugCost

EssentialHealthPlanFamilyCoverage(I&SSectorOnly)–CheckDrugCost

AdvantageHealthPlanFamilyCoverage(I&SSectorOnly)–CheckDrugCost

CorePlusHealthPlanIndividualCoverage–CheckDrugCost

EssentialHealthPlanIndividualCoverage(I&SSectorOnly)–CheckDrugCost

AdvantageHealthPlanIndividualCoverage(I&SSectorOnly)–CheckDrugCost

HealthPlusPlan–CheckDrugCost

SignUpforEmails

Enteryouremailaddressintheboxbelowtostayup-to-datewithCaremark.com.

EnterEmail

Submit

DrugLists

GenericsOnlyPreventiveDrugListAdvancedControlSpecialtyPerformanceDrugListAdvancedControlSpecialtyFormulary

DrugLists

GenericsOnlyPreventiveDrugListAdvancedControlSpecialtyPerformanceDrugListAdvancedControlSpecialtyFormulary


Save Time - Manage Prescriptions on the GoUse Caremark.com and the CVSCaremarkApp

Caremark.comandtheCVSCaremarkappallowyouto:

• Refillyourexistingprescriptions,andcheckyourorderstatus.

• Setupyourordersforautomaticrefills.• Getnotifiedwhenyourorderisready.• Seewhichmedicationsarecovered,

andtheircosts.• Learnaboutanycostsavingsopportunities

availabletoyou.

Track your annual health care costs

Tomakeiteasytounderstandwhereyoustandwithyourannualhealthcarecosts,clickDeductible Statusonthetopofyourhomepage.

Youwillseethetotalexpensesyouhaveincurredtowardyourdeductibleandout-of-pocketmaximumatanypointintheyear.ThiswillincludebothprescriptionsandmedicalclaimsthathavebeenfiledwithCigna.*

Deductible Status

Pharmacy Locator

Check Drug Cost & Coverage

Homeverage Prescriptions Plan & Benefits Health Resources

Your Family is paying toward a deductible.

Cardholder + Dependants Deductible

$68.91

$0 $4,000

You are paying toward your max out-of-pocket.

Individual Max Out-of-Pocket

$68.91

$0 $4,500

*Beadvisedthatwhilethedeductibleandout-of-pocketmaximumtrackerincludeprescriptionandmedicalclaims,youwillnotbeabletoseeyourmedicalclaimdetailhere.ToreviewyourmedicalclaimspleaselogintoyourmyCigna.comaccount.

20 Advantage Health Resource Guide20 Advantage Health Resource Guide


Other Important Benefits Information


Covering your dependents

Ifyouaddanewdependenttoyourcoverage,youwillbeaskedtoverifythattheyareaneligibledependent.YouwillreceivecommunicationsfromtheBenefitCenteradvisinghowtocompletethis.Pleaserememberthateligibledependentsareallowedtobecovereduntilage26.Theircoveragewillterminateattheendofthemonthinwhichtheyturnage26.

IfyoucoverdependentsunderyourBAESystemsmedicalplan,youmustindicatewhetherthecompany-sponsoredplanistheironlymedicalplanoriftheyhaveothercoverage.Thisisanannualrequirement.IfCignareceivesadependentclaimofmorethan$500,itwillnotpaytheclaimuntilitreceivescoverageverification.

Toverifyifdependentshaveadditionalmedicalcoverage,callCignaat800.530.1314orvisitmyCigna.com,clickProfileatthetop,thenselectUpdate Other Insurance InfounderManage My Coverage,andupdateyourdependents’insuranceinformation.Thisprocesshelpsensurethattheplanpaysonlyvalidclaims.

Out-of-network claims

YourmedicalplanallowsyoutovisitdoctorsandotherproviderswhodonotparticipateintheCignanetwork.However,whenyoureceivenonemergencycareoutsidethenetwork,yourshareofthecosts–includingdeductiblesandcoinsurance–willbesignificantlyhigherthanwhatyouwouldpayforin-networkcare.

Whenyoureceiveout-of-networkcare,there’salimittotheamounttheplanwillreimburse.Forexample,yourdoctormightcharge$100fortreatment,butthemostyourplanwillpayis$80.Thisamountiscalledthemaximumreimbursablecharge,andyouareresponsibleforpayinganychargesabovethisamount.Thesechargesdonotapplytoyourdeductibleorout-of-pocketmaximum.

A note about state surcharges

IfyoureceivemedicaltreatmentinLouisiana,Massachusetts,Michigan,NewYork,orVermont,astate-mandatedsurchargewillbeappliedtothetotalcostofclaimsforinpatientandoutpatienthospitalservices,diagnosticservices,andtreatmentcentercare.


Reviewing Your Explanation of Benefits

The Summary page gives an overview of the ways your benefits are working foryou–quicklyseewhatwas submitted, what’s been paid, and what you owe.

Identifiesiftheproviderparticipatesinyourplan’snetwork(“in-network”)ortheyareout-of-network.

Identifiesiftheclaimrelatestotheprimarysubscriberoracovereddependent.

Dateofserviceandprovidernamearebothlistedforeasierreference.

Theamountyouowedoesnotreflectanyamountyoumayhavealreadypaid.

Thisreflectsthetotalvalueofyourplan–theamountyousavedbyvisitinganin-networkhealthcareproviderorfacility,andtheamountpaidbyyourplan.

TheCignaclaimsprocessingsystemgeneratesanExplanationofBenefits,orEOB,foreverymedicalclaimyouincur.TheEOBincludesabreakdownofthecostsassociatedwiththecareyoureceived.Itwillshow:

• Thetotalamountbilledbyyourprovider• AnydiscountnegotiatedbyCigna• Whattheplanpaidfortheservice• Howmuchyouowetheprovider

Whenyoureceiveabillfromyourprovider,matchyourprovider’sbillwiththeappropriateEOBforthedateofservice.

YourEOBsareavailableonlineatmyCigna.com,oryoucanreceivepaperEOBsbymail.


Nameoftheprimarysubscriber.


Resources

For additional questions or support please contact the resources below.

*ThissitecanonlybeaccessedthroughtheBAESystemsnetwork.

Cigna

800.530.1314 9am – 7pm ESTBAE Systems dedicated team Monday through Friday Customer service representatives available 24 hours a day, 365 days a year myCigna.com

• Questionsonpreventivecare• ConnectwithahealthcoachorClinicalCaseManager• 24/7HealthInformationLinefortriageandguidance• TelephonicandwebcammedicaltreatmentthroughMDLIVEandAmwell• Accesstocare,helpingtolocatedoctors,hospitals,andotherhealthcareproviders• Resolvehealthcarebillingandclaimissues• Preauthorizations• AnsweringquestionspertainingtoHealthSavingsAccount(HSA)andincentivesfor

employeesintheAdvantageHealthmedicalplan• Guidanceinmedicalclaimsappealsprocessandassistanceinfilingappeals

BAE Systems Benefit Center

888.900.4223 8am – 8pm ESTMonday through Friday benefitsnavigator.baesystems.com

• LoginaccesstoBenefitsNavigator• Benefiteligibilityquestions• Beneficiaryelections• Employeetransferbenefitquestions• FlexibleSpendingAccount(FSA)

questions• HealthSavingsAccount(HSA)

enrollmentandquestions• Lifeinsurancequestions

(conversionand/orportability)• CompleteMedicareEnrollmentForms

• NewHireBenefitEnrollment• QualifiedChangeinFamilyStatus,

LifeEvents(adding/removingadependent)• SummaryPlanDescription(SPD)or

PlanDocumentquestions• Vacation/PTOBuyPlanenrollment

andquestions• COBRAquestionsandassistance• Retireemedicaleligibility• 401(k)accountinformationand

assistance

CVS Caremark866.236.8236 Customer service representatives available 24 hours a day, 365 days a year caremark.com

• Generalquestionsaboutprescriptionsandbenefits• Checkprescriptioncosts• Priorauthorizationfornon-formularyprescriptions• Learnaboutswitchingtoagenericorpreferredbrandprescription• Locatenetworkpharmacies• Ordering90-daysupplyofmaintenancemedicationthroughmailorder

BAE Systems Resource Center855.223.4782 8am – 8pm ESTMonday through Friday

resourcecenter.baesystems.com*

• Payrollsupport:directdeposit,taxwithholdingupdates,paycheckorW2reprints,PTOaccrualinquiries

• HRsupport:personalinformationupdate,leaves,hires/terminations,adhocreportrequest,PeopleSoftchanges,recruitingsupport

• Expensereports


BAE Systems, Inc.1300 Wilson Blvd., Suite 700Arlington, Virginia 22209

www.baesystems.com

AllemployeesandcovereddependentsparticipatinginamedicalplanthroughCignawillbeeligibleforthecomprehensivehealthandwellnessbenefitsdescribedinthisbrochure.

Thisisonlyabriefoverview.Itisnotintendedtoaddressallplanfeaturesthatmayapplytoyou.Ifthereisanyconflictbetweenthelanguageinthisbrochureandthelanguageintheplanlegaldocuments,thelanguageintheplanlegaldocumentswillgovern.Inaddition,thisoverviewcreatesnorightsbetweenyouandBAESystems.Anyparticipantrightsaresolelyasdescribedintheplanlegaldocuments.WhileBAESystemsexpectstocontinueitsbenefitplans,theseplansaresubjecttochangeandmaybediscontinuedatanytime,atthesolediscretionofBAESystems.BenefitprovisionsvaryamongBAESystemsbusinesses;thus,ifyoutransferwithinBAESystems,yourbenefitsmaychange.

BAESystemsmedicalplansarefundedbyBAESystemsandadministeredbyCignaHealthandLifeInsuranceCompany.AllCignaproductsandservicesareprovidedexclusivelybyorthroughoperatingsubsidiariesofCignaCorporation,includingCignaBehavioralHealth,Inc.andCignaHealthandLifeInsuranceCompany.TheCignaname,logo,andotherCignamarksareownedbyCignaIntellectualProperty,Inc.Allpicturesareusedforillustrativepurposesonly.17147631/18©2018Cigna.Somecontentprovidedunderlicense.Copyright©BAESystems2018.Allrightsreserved.

Documents

Invest in Your Health programs, health coaching and incentives – empowering employees to invest in their health and be educated health care consumers. Now, with lots of hard work