2015 Benefits and Enrollment Guide

MISSION:YOU
Navy ExchaNgE SErvicE commaNd
2015 BENEFITS PROGRAM
AND ENROLLMENT GUIDE
CHARTING A COURSE
FOR A HEALTHY FUTURE
IN THIS GUIDE:
PAGE
your NExcom Beneﬁts Program
2
Who is Eligible?
2
open Enrollment: November 10 – december 5, 2014
3
medical Beneﬁts
3
Prescription drug Beneﬁts
4
aetna health and Wellness Programs
5
dental Beneﬁts
6
your 2015 health Plan contributions
6
medical and dental coverage after retirement
6
Flexible Spending accounts
7
Beneﬁt Plan online resources
8
disability Beneﬁts
9
Life insurance Beneﬁts
10
Long Term care insurance
12
retirement Plans
13
contacts and resources
Back Cover
YOUR 2015 BENEFITS ENROLLMENT GUIDE
Dear Associate,
We are pleased to provide you with this 2015 Beneﬁts Program and Enrollment Guide. One
of NEXCOM’s core values, “Caring,” symbolizes NEXCOM’s commitment to providing you
with a total compensation package that includes beneﬁts such as medical, dental, vision,
life insurance, disability insurance, and retirement/savings programs.
For plan year 2015, we are excited to be oﬀering a one-time only, special enrollment
opportunity for you to enroll in Long-Term Disability from November 10 – December 5, 2014.
This beneﬁt helps replace lost income when you are not able to work because of a disabling
illness or injury. You do not need to provide medical evidence to join the plan. You will not
be denied coverage, even if you were denied in the past. Also, going forward, new hires
don’t have to wait a year to be eligible to enroll.
Every year, we take a close look at our beneﬁts package to ensure that we oﬀer the best
value and quality coverage for you and your family. As an example, you may recall the new
Employee Assistance Plan (EAP) which was announced earlier this year. Our beneﬁts
package demonstrates our commitment to your health, while promoting smart behaviors
when using your beneﬁts. To be good consumers of health care, it is important to evaluate
your needs, learn about your beneﬁt options and make smart decisions about your health
and well-being.
Keep this guide handy. The Contacts and Resources chart on the back of this guide is one
of the best tools you can have to learn more about all of your beneﬁt programs.
Robert J. Bianchi
Rear Admiral, Supply Corps, USN (Ret.)
Chief Executive Oﬃcer
Navy Exchange Service Command
1
YOUR NEXCOM BENEFITS PROGRAM —
CHART YOUR COURSE
Who Is Eligible?
Benefits Plan
Regular
Full-Time
Regular
Part-Time
Initial Enrollment
Time Frame
After Initial
Enrollment Time Frame
medical/dental
✓
✓
Within 31 days of hire date or
attaining eligibility.
annual Enrollment
Stand alone
dental
✓
✓
Within 31 days of hire date or
attaining eligibility.
annual Enrollment
Flexible Savings
account
(hFSa/dFSa)
✓
✓
Within 31 days of hire date. For
continued participation, must
re-enroll during annual Enrollment.
Enrollments or plan changes are
not accepted from october 1
through december 31.
annual Enrollment
Short-Term
disability*
✓
Enrollment is automatic.
N/a
Long-Term
disability*
✓
Within 31 days of hire date.
Biennial Enrollment
(subject to insurance
company approval)
Long-Term care
✓
guaranteed acceptance within 30
days of hire date.
at any time
(subject to insurance
company approval)
Basic group Life
insurance*
✓
Within 31 days of hire date.
Biennial Enrollment
optional group
Life insurance
✓
regular full-time
associates must
be enrolled in
Basic group Life
Within 31 days of hire date.
Biennial Enrollment
(subject to insurance
company approval)
dependent group
Life insurance*
✓
Enrolled in Basic
group Life
insurance
Within 31 days of hire date or
acquiring a dependent.
Biennial Enrollment
(subject to insurance
company approval)
Pension
✓
✓
complete one
year of
cumulative
regular service
Within 30 days from the
completion of one year of
cumulative regular service. if
enrolled within 30 days, credited
service is given for the one year
waiting period.
any pay period
thereafter
401(k)
✓
✓
18 years of age
Enroll at any pay period.
Enroll at any pay period.
Additional
Eligibility
Requirements
Not enrolled in
medical/dental
Plan
✓
✓
*Regular full-time associates who are involuntarily converted to regular part-time status may continue to participate in the plans.
When Are You Eligible?
If you are a new hire or newly eligible associate, you may enroll in beneﬁts during your eligibility period. Your
eligibility period is the 30- or 31-day period starting on the day you are hired or otherwise become eligible for
beneﬁts. If you don’t enroll during your eligibility period, you’ll need to wait until the next Open Enrollment or
Biennial Enrollment period, as applicable. You may enroll in the Pension and 401(k) plans anytime after attaining
eligibility.
2
2015 OPEN ENROLLMENT
FOR MEDICAL AND DENTAL PLANS
NOVEMBER 10 – DECEMBER 5, 2014
During Open Enrollment, you may make medical and dental plan choices and changes. You can join a plan
that you haven’t had before. You can switch from one plan to another. You can add dependents (supporting
documentation is required) or remove dependents from your coverage. You also may add a new dependent
during the year to your medical or dental coverage within 31 days of acquiring them. You cannot drop
coverage during the year unless you have a qualifying event.
To enroll, contact your local human resources (hr) representative. Your local HR representative will provide
you with an enrollment form to complete and submit.
Medical Beneﬁts
NEXCOM’s health beneﬁts are oﬀered as part of the Department of Defense (DoD) Nonappropriated Fund
(NAF) Health Beneﬁts Program (HBP). Health beneﬁts include medical, dental, vision and prescription drug
coverage. The following Aetna medical plans and beneﬁts are available based on where you live.
Open Choice® PPO
In-Network
Traditional Choice® Indemnity
(including Aetna International)
Out-of-Network
Annual Deductible
• Individual
• Family of 2
• Family of 3 or more
$500
$1,000 (2 times individual)
$1,500 (3 times individual)
$1,500
$3,000 (2 times individual)
$4,500 (3 times individual)
$500
$1,000 (2 times individual)
$1,500 (3 times individual)
Out-of-Pocket Maximum
• Individual
• Family of 2
• Family of 3 or more
$3,000
$6,000 (2 times individual)
$9,000 (3 times individual)
$6,000
$12,000 (2 times individual)
$18,000 (3 times individual)
$3,000
$6,000 (2 times individual)
$9,000 (3 times individual)
Preventive Care
100%, no copay
Not covered
100%, no deductible
Primary Care Physician (PCP)
Visit
$30 copay
60% after deductible
80% after deductible
Specialist Visit
$45 copay
60% after deductible
80% after deductible
Walk-in Clinic
100% after $30 copay
60% after deductible
80% after deductible
Urgent Care Canter
100% after $30 copay
60% after deductible
80% after deductible
Emergency Room (ER)
90% after $350 ER copay
(waived if admitted); no
calendar year deductible
90% after $350 ER copay
(waived if admitted); no
calendar year deductible
80% after deductible
Health maintenance organizations (HMOs) may also be
available to you as an alternative to the Aetna medical
plans, depending on where you live. HMOs provide
medical and prescription drug coverage to eligible
associates living in speciﬁc areas. HMOs are available
in: Tidewater VA, San Diego/Central CA, Hawaii,
Baltimore/Washington D.C., the Paciﬁc Northwest
and Guam. Ask your local HR representative for details
about HMOs in your area. Visit www.nafhealthplans.com
to view comparisons of Aetna and the HMO available
in your area (if applicable).
Find medical plan details online
go to www.nafhealthplans.com/nexcom to view
the plan you are eligible for based on your ZiP
code. you will also ﬁnd detailed beneﬁt summaries
that show coverages, deductible amounts, costsharing information and brochures that provide
more information about the health plans and other
related information.
3
PRESCRIPTION DRUG BENEFITS
When you enroll in an Aetna medical plan, you will also have prescription drug beneﬁts. These help you save
money when you ﬁll short-term or long-term prescriptions. There are four levels, or “tiers”, of beneﬁts as
shown in the chart below:
w
Ne
Using a participating retail pharmacy
Your cost for up to a 30-day supply
Tier one — generic drugs
$10 copay
Tier Two — Preferred brand-name drugs
$35 copay
Tier Three — Non-preferred brand-name drugs
35% coinsurance with a minimum of $60 and a maximum
of $125
Tier Four — Specialty drugs
40% coinsurance with a minimum of $60 and a maximum
of $125
Using the mail-order service
Your cost for up to a 90-day supply*
Tier one — generic drugs
$20 copay
Tier Two — Preferred brand-name drugs
$70 copay
Tier Three — Non-preferred brand-name drugs
35% coinsurance with a minimum of $120 and maximum
of $250
*For up to a 30-day supply, the retail copays listed above apply.
a participating retail pharmacy is one that belongs
to Aetna’s network. You can ﬁll short-term (up to
a 30-day supply) prescriptions at participating
pharmacies in the U.S., District of Columbia, Puerto
Rico, Guam and the U.S. Virgin Islands. Just bring
your prescription and Aetna ID card. You’ll pay your
share of the cost at the time of purchase. Long-term
prescriptions (over 60 days) should be ﬁlled through
the Aetna mail-order service to receive the best value
for your money. You can ﬁnd participating pharmacies
by using DocFind® at www.aetna.com. For more
about DocFind, turn to page 8.
aetna rx home delivery® mail-order service is an
economical way to ﬁll prescriptions for maintenance
medications you take regularly for chronic conditions,
such as high blood pressure or cholesterol. With
Aetna Rx Home Delivery you get up to a 90-day
supply of medication for the price of two (2) 30-day
prescriptions from a retail pharmacy, the ability to
reorder by phone or online, and pharmacists are
always available to talk to you anytime, day or night.
w
Ne
anti-obesity drug coverage: Medications used to
control weight will be added at the applicable
pharmacy tier cost to the prescription drug plan.
Learn more about this category of drug at
www.aetna.com/products/rxnonmedicare/data/2014
/misc/antiobesity.html.
4
a preferred brand-name drug is a medication on
Aetna’s preferred drug list. The list includes medications
(generic and brand-name) covered under your plan. All
drugs on the list are chosen based on quality and cost
eﬀectiveness. You can view the preferred drug list at
Aetna Navigator®. Log in at www.aetna.com and click
the Aetna Pharmacy tab on your home page.
Specialty drugs are generally injectables that require
special shipping and handling (such as refrigeration).
Aetna Specialty Pharmacy® ﬁlls prescriptions for
specialty drugs; they are not available through mailorder service.
AETNA HEALTH AND WELLNESS PROGRAMS
When you enroll in an Aetna medical plan, you can
take advantage of special programs that help you
live healthier. Simple Steps To A Healthier Life® is an
online program that can help you lose weight, deal
with stress, get a better night’s sleep and more. You
start by completing the online health assessment,
then receive a health report and action plan. To get
started with Simple Steps, log in to Aetna Navigator
at www.aetna.com. On your home page, click on
I want to . . . Take a health assessment.
Aetna also oﬀers a wide variety of voluntary
wellness programs including disease management,
tobacco cessation and a 24/7 trained nurse staﬀed
telephone line.
associates and dependents under age 18 can earn:
• A $100 Health Incentive Credit by completing
a well-child exam
The most an individual can earn is $150; the most for
a family is $450. credits are applied automatically to
your deductible or coinsurance* amounts. Any credit
left at the end of the year will roll over to the next plan
year, for up to three years.
*Health Incentive Credits are not applied to copay amounts.
Copays are ﬂat fees paid for certain types of expenses, such
as prescription drugs.
you can earn incentive credits. Aetna members can
earn Health Incentive Credits to help with your share
of covered medical expenses. Here’s how:
associates and dependents over age 18 can earn:
• A $50 Health Incentive Credit for completing a
preventive care exam (routine physical or wellwoman exam)
• A $50 Health Incentive Credit for completing a
Health Assessment on www.aetna.com
• A $50 Health Incentive Credit for completing the
Simple Steps To A Healthier Life online wellness
program
• A $50 Health Incentive Credit for completing the
Personal Health Record Walk-Me-Through Tool
• A $50 Health Incentive Credit for entering data
into the Personal Health Record Health Tracker
• A $50 Health Incentive Credit for responding to
items on the Member Health Engagement Plan
(MHEP)
5
DENTAL BENEFITS/2015 AETNA RATE PLANS
NEXCOM Oﬀers Two Dental Plans
The aetna PPo Network dental Plan or international
dental Plan. When you enroll in an Aetna medical plan
(or an HMO plan) you are eligible to enroll in the PPO
Network Dental Plan. With this plan, you may visit
any licensed dentist and be reimbursed for your
dental care expenses. For CONUS associates, you can
save when you use dentists who belong to Aetna’s
dental network, since those dentists provide their
services at lower, Aetna-negotiated rates. You can
ﬁnd them listed on DocFind (see page 8), Aetna’s
online provider directory.
Plan
The Stand alone dental Plan. If you only want dental
beneﬁts, you can choose the Stand Alone Dental Plan.
This plan cannot be combined with any of the Aetna
medical plans oﬀered under the DoD NAF Health
Beneﬁts Program or with a NEXCOM-sponsored
HMO plan.
You will ﬁnd detailed information about each of these
plans at www.nafhealthplans.com.
PPO Dental/International Dental
Annual Deductible
• Individual
• Family of 2
• Family of 3 or more
Stand Alone Dental
$100
$200
$300
$100
$200
$300
Annual Out-of-Pocket
Maximum
$2,500
$2,000
Preventive Care
100%
100%
Basic Care
80% (ﬁllings, root canal, extractions)
80% (fillings, extractions)
Restorative/Major Care
50% (inlays, crowns, bridgework)
50% (root canal, inlays, crowns,
bridgework)
Orthodontia Coverage
50%, no deductible; $2,000 lifetime
maximum, includes TmJ appliances
50%, no deductible; $1,500 lifetime
maximum,* excludes TmJ appliances
Oral Surgery (dental in nature)
100% oﬀ ﬁrst $1,000, then 80% thereafter
Not covered
TMJ Coverage
50%, no deductible; $750 lifetime maximum
Not covered
*12-month waiting period for members who enrolled on or after 1/1/2010
Your 2015 Contributions for
Aetna Health Plans
Medical and Dental Coverage After
Retirement
The chart below shows your biweekly 2015 contributions
for the Aetna medical and dental plans. These rates will
be eﬀective January 1, 2015.
You and your dependents may be eligible to continue
medical (only), or medical and dental coverage after
you retire. To continue coverage, you must be
enrolled in the medical and dental plan on the day
before retirement and have 15 years of accumulated
participation in a DoD NAF-sponsored medical and
dental plan or HMO, and be the recipient of an
immediate NAF Annuity (from The Retirement Plan).
Note: The Stand Alone Dental Plan does not continue
after retirement.
Individual
Coverage
Family
Coverage
Medical Plan
$75.22
$175.01
Dental Plan
$ 4.36
$10.32
Medical and
Dental Plans
$79.58
$185.33
Stand Alone
Dental Plan
$17.89
$42.31
Plan
6
FLEXIBLE SPENDING ACCOUNTS
With a Flexible Spending Account (FSA), you can set
money aside to pay yourself back for certain types of
expenses. There are two types of FSAs:
• a health care Flexible Spending account (hFSa)
is used for eligible health care expenses. These include
medical, prescription drug, dental and vision care expenses
you pay out of your own pocket.
• No substantiation for medical plan copays, or Rxs
purchased at an IIAS certiﬁed merchant. A complete
list IIAS certiﬁed merchants can be viewed at
www.payﬂexdirect.com.
• Receipts for expenses that require substantiation
can be sent to Aetna via a mobile app, your online
account portal, fax or mail.
• a dependent care Flexible Spending account
(dFSa) is used for eligible dependent care expenses.
These include expenses for child (up to age 13) or adult
day care, preschool and after-school programs.
• Real-time account balances, account alerts and
other information is available online in your FSA
member PayFlex account portal.
Tax Advantages
Annual HFSA Carryover and
“Use It or Lose It” Rule
When you enroll in an FSA, you will set a contribution
amount for the coming year. This will be deducted from
your pay before taxes are withheld — reducing your
taxable income and what you pay in taxes.
HFSA Basics
minimum annual contribution = $200
maximum annual contribution = $2,500
annual election amount is available the ﬁrst day of the
Plan year.
DFSA Basics
minimum annual contribution = $200
maximum annual contribution = $5,000
contributions must be in your dFSa before you can be
reimbursed for your eligible expenses.
Additional HFSA Features
If you enrolled in an HFSA, you will receive a debit
card “loaded” with the full amount you have elected
to contribute to your FSA account during the current
plan year. This debit card has the following features
and beneﬁts:
• Works just like a credit card for authorized
expenses.
• Some expenses paid with the debit card will
require “substantiation” (receipt submission to
Aetna) to verify that the purchase was for an
authorized HFSA expense.
You may now carry over up to $500 of unused HFSA
contributions into the next plan year. This money will
be available for eligible health care expenses in
addition to your regular contributions. Any amounts
remaining in your HFSA exceeding $500 will be
forfeited. The two and one-half month grace period
is being eliminated for the HFSA.
The $500 carryover rule does not apply to DFSA.
Therefore, the grace period provision will remain in
eﬀect for the DFSA.
Amounts remaining in your DFSA at the end of the
plan year grace period (March 15th of the following
calendar year) will be forfeited.
Before you enroll and set a contribution amount,
carefully evaluate your health care and/or dependent
care expenses for the coming year.
Find Full Details on FSAs Online
Visit the DoD NAF Beneﬁts website at
www.nafhealthplans.com or PayFlex at
www.payﬂexdirect.com to learn more about FSAs.
You can also manage your FSA on the go with the
PayFlex MobileTM app. Use this free app to access
your account, check on your claims, view transaction
details and more. Look for it in your app store and
download it for access from almost anywhere.
If you want to participate in one or both FSA(s)
for 2015, you must take action during Open
Enrollment (November 10 – December 5). Current
FSA elections do not automatically renew year
to year. Contact your local HR representative to
enroll or re-enroll.
7
BENEFIT PLAN ONLINE RESOURCES
Aetna Navigator at www.aetna.com
How to Use DocFind:
All Aetna medical and dental plan members are
strongly encouraged to set up an online account
in the Aetna Navigator system.
To locate doctors, hospitals, specialists, dentist
and pharmacies who participate in Aetna’s network,
use DocFind, Aetna’s online provider directory.
To access DocFind:
Aetna Navigator is your secure, self-service member
website, accessed from www.aetna.com. Once you
enroll in an Aetna plan, you can register to use the
site. When you log in, you will arrive at your personal
home page. From there, you can take care of
beneﬁts-related tasks, access DocFind to locate Aetna
“in-network” doctors and providers, view your
Explanation of Beneﬁts (EOB), contact Aetna Member
Services with questions and requests, and much more.
To use aetna Navigator, you’ll need to register. It’s
easy. Just go to www.aetna.com and click “Log In/
Register.”
For health care on the go
With Aetna Mobile, you can view your
health plan information whenever and
wherever you want. The free app lets
you ﬁnd in-network doctors, check
prescription costs, view your ID card, check on
claims, contact Aetna by phone or email and
much more. The app works with iPhone® mobile
digital devices and AndroidTM-powered phones.*
* To download, text Apps to 44040, or visit
www.aetna.com/mobile.
• Go to www.aetna.com.
• Scroll down or use the menu to click on Find
a Doctor.
• If you are an Aetna member and registered with
Aetna Navigator, you can log in. On your home
page, click on I want to . . . Find a Doctor,
Dentist or Facility.
• Once in DocFind, provide the geographic
information requested to start your search.
• Choose a Provider Category (medical, dental,
pharmacy, etc.).
• Choose a Provider Type (such as primary care,
specialist, dentist, pharmacy, urgent care facility,
walk-in clinic).
• Under Select a Plan, scroll down to ﬁnd Aetna
Standard Plans and select Open Choice® PPO for
medical providers. For dental providers, select
Dental PPO/PDN.
If you are enrolled in Traditional Choice, you can use
DocFind to locate network dentists near you. Just
follow the directions and select Dental PPO/PDN
under Aetna Standard Plans.
www.nafhealthplans.com
This site is for the exclusive use of NAF associates and
retirees of the six components that participate in the
DoD NAF HBP (Exchange, CNIC, Navy, Army, Marine
Corps, NEXCOM). You do not need a username or
password to access this site. Some of the valuable
resources you can ﬁnd on this site include:
• Summary Plan Descriptions (SPD) for Aetna Medical/
Dental plans
• Summary of Beneﬁts for Aetna plans
• Health Care Reform Updates
• Legal compliance notices, such as creditable
coverage letters, etc.
• HMO vs. Aetna Plan comparisons
• Flexible Spending Account information
• Maximum allowance calculator
8
DISABILITY BENEFITS
If you are a regular full-time associate, you are eligible
for disability beneﬁts to help replace lost income when
you are not able to work because of a disabling
illness or injury. There are two types of disability
insurance available to you:
Short-Term disability (STd) is provided at no cost
immediately upon your employment or attainment of
regular full-time employment status. STD beneﬁts
start two months after you become disabled or once
you have used up sick leave, whichever happens later.
To receive beneﬁts, you must be unable to perform
the duties of your occupation. Note that STD beneﬁts
are integrated with your sick leave beneﬁt. If you
have 4 months or more sick leave in your account,
no separate STD beneﬁts will be paid.
The chart below shows how beneﬁts are paid:
Beneﬁt Waiting
Period
Two months or exhaustion
of sick leave, whichever is
later
Beneﬁt amount
60% of basic monthly
earnings
Beneﬁt duration
Four months
cost
$0
Long-Term disability (LTd) — You are eligible to
enroll in LTD within 31 days of your employment or
attainment of regular full-time status. If you enroll
within this 31-day period, you don’t need to provide
medical evidence to join the plan. You must be
actively at work on the eﬀective date of coverage or
be in an approved leave status for reasons other than
disability to be eligible for LTD beneﬁts. Otherwise,
coverage begins on the ﬁrst day you return to work.
You pay for LTD insurance according to your
biweekly earnings.
LTD pays beneﬁts when your disability lasts longer
than the period covered by STD. After 24 months
of combined STD and LTD beneﬁts, you must be
unable to perform the duties of any occupation
you are qualiﬁed for through training, education or
experience, in order to continue receiving beneﬁts.
Your beneﬁts are reduced by any Social Security
beneﬁts and NEXCOM Retirement Plan beneﬁts
you may be receiving.
The chart below shows how beneﬁts are paid:
Beneﬁts Begin
Seventh month of disability
Beneﬁt amount
60% of basic monthly
earnings
Beneﬁt duration
Up to age 65 if disabled
prior to age 62. If disabled
after age 62, beneﬁts are
paid for a reduced period
of time.
cost
$0.279 per $100 of biweekly
earnings (e.g., $1,000
biweekly: 10 x $0.279 =
$2.79 per pay period)
Note: A special enrollment period for Long-Term
Disability coverage will be held November 10 –
December 5, 2014. During this period, associates
who are not enrolled in the LTD plan may enroll
for coverage eﬀective January 1, 2015 WITHOUT
having to provide evidence of good health. This
is a one-time only opportunity and all eligible
associates are encouraged to enroll in this
important beneﬁt plan.
9
LIFE INSURANCE BENEFITS
Three life insurance plans are available to help you
protect your family’s financial security.
Optional Group Life and Accidental Death
and Dismemberment Insurance (OGL)
Basic Group Life (BGL) and Accidental
Death and Dismemberment Insurance
For full-time and part-time associates
Optional Group Life and Accidental Death and
Dismemberment insurance pays a beneﬁt based on
your annual earnings. You have 31 days from your date
of hire or the day you become eligible to join OGL
without providing medical evidence of good health.
For full-time associates only
Basic Group Life and Accidental Death and
Dismemberment insurance pays a beneﬁt based
on your annual earnings. You have 31 days from
your date of hire or the day you become eligible
to join BGL without providing medical evidence
of good health.
Note: Regular full-time associates must enroll in BGL
to enroll in OGL.
You may elect OGL coverage equal to 1, 2 or 3 times
your basic annual earnings rounded to the next higher
$1,000. The cost of coverage is based on your age,
and increases in ﬁve-year increments, as shown below:
Your BGL beneﬁt is equal to one times your basic
annual earnings rounded to the next $1,000 plus
$2,000. Here’s an example of how the cost for
coverage is determined:
Cost per $1,000 Coverage
If basic annual earnings are $25,500:
BGL benefit = $26,000 + $2,000 = $28,000
under age 25
$0.032
25 – 29
$0.037
30 – 34
$0.046
35 – 39
$0.051
40 – 44
$0.072
45 – 49
$0.106
50 – 54
$0.157
55 – 59
$0.268
60 – 64
$0.360
65 – 69
$0.595
70+
$0.960
Cost $0.05 per $1,000 of coverage
$0.05 x $28 (per thousand) = $1.40 per pay period
Example
John is 40 years old and his basic annual earnings = $25,500.
Rounded up to the next thousand = $26,000. He elected OGL2.
$26 (per thousand) x $0.072 x 2 (2 times his beneﬁt)
= $3.744 per pay period
10
LIFE INSURANCE BENEFITS
Dependent Life Insurance
At Retirement
For full-time associates enrolled in BGL
If you are enrolled in BGL or OGL insurance at
retirement and have participated for 15 or more
years, coverage will be continued at no cost when
you retire. After retirement, your BGL coverage will
be reduced by 25% at ages 66, 67 and 68. Your OGL
coverage will be reduced to 25% of your preretirement
beneﬁt upon your retirement.
Dependent Life insurance lets you cover your spouse,
same-sex domestic partner and unmarried dependent
children. There are three beneﬁt options, and the cost is
based on your age. You have 31 days from your date
of hire, the day you become eligible to elect Dependent
Life Insurance or the day you acquire dependents
without providing medical evidence — whichever
comes later.
You have three coverage options, as shown below:
Spouse
Children
under 1
Children
between
1 and 19*
option 1
$5,000
$1,000
$2,500
option 2
$10,000
$2,500
$5,000
option 3
$20,000
$2,500
$5,000
*Children between ages 19 and 25 may continue to be covered if
they are full-time students. You will need to provide proof of their
student status. You must ensure your dependents are removed
from your coverage when they are no longer eligible.
Your cost is based on your coverage option and
your age:
Cost
Option 1
Option 2
Option 3
Under age 35
$0.28
$0.56
$0.78
35 – 39
$0.34
$0.68
$1.02
40 – 44
$0.46
$0.92
$1.50
45 – 49
$0.58
$1.16
$1.98
50 – 54
$0.74
$1.48
$2.62
55 – 59
$1.22
$2.44
$4.54
60 – 64
$1.68
$3.36
$6.38
65 – 69
$1.83
$3.66
$6.98
70+
$4.27
$8.54
$16.74
About Beneﬁciary Designation
When you enroll in BGL or OGL insurance, you must
choose a beneﬁciary. This is the person to whom
beneﬁts are paid in the event of your death. Remember,
it is your responsibility to update your beneﬁciary
choices in the event of certain life events. Examples
include marriage, divorce, birth or adoption of
children, or the death of a named beneﬁciary.
Beneﬁciary designation is also required for the
Pension Plan and 401(k) Plan, described on page 13.
Biennial Enrollment Period Life Insurance
Coverage
If you do not enroll in Life Insurance plans when you
ﬁrst become eligible, you may apply during any
Biennial Enrollment period. The Biennial Enrollment
period is held in November every two years (always
an odd-numbered year). Enrollment during the
Biennial Enrollment period requires medical evidence
of good health, and is subject to approval by the
insurance carrier.
Example
Option 2 x age 40 = $0.92 per pay period
11
LONG TERM CARE INSURANCE
Long Term Care (LTC) insurance helps with the cost
of care provided in settings such as nursing homes
and through home health care services. This is
important protection for several reasons. Your
medical plan does not cover long-term care.
Medicare’s coverage is very limited, and Medicaid
only covers these services if you are earn below
a certain amount.
NEXCOM oﬀers LTC insurance at group rates. You
may enroll in LTC insurance without the need to
provide medical evidence if you do so 30 days from
the date of hire or from the time you become eligible
for coverage. After this, you must complete a medical
questionnaire and be approved for coverage.
You can purchase coverage for yourself and other
family members such as your spouse, parents,
parents-in-law, grandparents and grandparents-inlaw. Your cost depends on the amount of coverage
you select. The plan has two inﬂation-protection
options. You can take your coverage with you if you
leave NEXCOM or you retire.
12
Did you know?
The yearly cost of nursing home care ranges from
$51,000 to $239,000. Purchase LTC insurance
now to plan for future needs. When you join the
plan, your contribution rate is fixed unless you
increase coverage.
RETIREMENT PLANS
NEXCOM oﬀers two plans to help you save for
retirement:
Will Preparation and Estate Resolution
Services
The NExcom retirement Plan (Pension Plan). If you
are a full-time or part-time associate, you may enroll
in the pension plan after one year of regular service.
If you join the plan within 30 days of the one-year
waiting period, you will receive one year of credited
service free.
If you participate in one of NEXCOM’s Life Insurance
Plans (BGL or OGL), you are eligible to use the Will
Preparation and Estate Resolution Services provided
by Hyatt Legal Plans, Inc. Hyatt Legal Plans is a
MetLife Company which also provides NEXCOM’s Life
Insurance Plans.
You are vested in NEXCOM’s contributions to the
plan (that is, you own them) after ﬁve years of
regular service. You can start receiving full beneﬁts
at age 62 (or 52, in a reduced amount). Survivor
beneﬁts are also available. Beneﬁts are increased
by cost-of-living adjustments. The cost of the plan
is 1% of your biweekly pensionable earnings.
The beneﬁt is provided free — no cost to you!
The NExcom 401(k) Plan. If you are a full-time or
part-time associate, you are eligible to participate in
the 401(k) plan at the time you are hired or attain
regular full or part-time employment status. You can
make pretax contributions of up to 90% of your
compensation, subject to IRS limits. When you
contribute to the plan, your federal, state and Social
Security taxes are lower.
NEXCOM matches half of your compensation biweekly
for every 1% you contribute, up to 6%. You are 100%
vested in NEXCOM’s match after you’ve been in the
plan for three years. To grow your retirement savings,
you have a choice of 26 investment funds and a
brokerage account.
Here’s an example of how the NEXCOM match works:
Will Preparation Services include:
• Consultations
• Preparation of codicils
• Prepare update wills/living wills
• Powers of attorney
• Testamentary trusts
Estate Resolution Services include:
• Consultations to discuss probating your estate
• Preparation of documents and representation at
probate related court hearings
• Correspondence necessary to transfer nonprobate
assets to heirs
• Related tax ﬁlings
Associates participating in NEXCOM’s Life Insurance
Plans can take advantage of the Will Preparation
beneﬁt by contacting Hyatt Legal Services at
1-800-821-6400, Monday — Friday 8 a.m. to 7 p.m.
Provide the client representative with NEXCOM’s
Group Number — 109800.
Savings and employer match
associate election of 6% deferral on biweekly earnings
of $1,000 = $60.00 associate contribution
Employer contribution = $1,000 x 3% = $30.00
A beneﬁciary designation is required for the Pension
Plan and 401(k) plan. See page 11 for details.
Did you know?
Experts say you will need 70% to 80% of your
current annual income to maintain your current
standard of living in retirement. Social Security
only provides 40% of what you will need. We
encourage you to join one or both NEXCOM
retirement plans to start building your retirement
nest egg now.
This brochure highlights the key features of the NEXCOM Beneﬁts Program, including the DoD NAF Health Beneﬁts Program. It does not
attempt to cover all plan details, which are contained in the oﬃcial Plan Documents and insurance contracts that govern the various plans
within the program. Please reference the Summary Plan Description (SPD), available for each plan, for a complete description of beneﬁts,
exclusions, limitations and conditions of coverage. Should there be any conﬂict in this brochure and the provisions of the legal documents
and contracts, the terms of those documents and contracts will control.
13
CONTACTS AND RESOURCES
The chart below shows telephone numbers and websites for the companies and organizations that
administer your beneﬁts on behalf of NExcom.
Beneﬁt Plan
Medical/Dental (CONUS)
Medical Plan HMOs
Stand Alone Dental
Flexible Savings Account
(HFSA/DFSA)
Short-Term Disability
Long-Term Disability
Long Term Care
Basic Group Life
Insurance
Optional Group Life
Insurance
Dependent Group Life
Insurance
NEXCOM Group Health
and Life Insurance Plans
Pension
401(k)
Will Preparation & Estate
Resolution Services
Employee Assistance Program
(EAP)
Insurance Carrier/
Point of Contact
aetna member Services
1-800-367-6276
aetna international member Services
1-888-506-2278 (outside the USa,
via aT&T + access code)
optima health Plan
757-552-7325
1-800-394-2237, weekends and holidays
group health cooperative
1-888-901-4636
Kaiser hawaii
1-808-432-5955
hmSa hawaii
1-800-776-4672
Kaiser california
(Northern & Southern areas)
1-800-464-4000
Kaiser mid-atlantic
1-800-777-7902
Take care asia
1-877-484-2411
aetna member Services
1-800-367-6276
aetna FSa member Services
1-800-416-7053
metLife customer Service
1-800-275-4638
metLife customer Service
1-800-275-4638
cNa customer Service
1-877-777-9072
metLife
1-800-638-6420
metLife
1-800-638-6420
metLife
1-800-638-6420
ms. rosie Serrano
group insurance manager, NExcom
757-440-4752
ms. mary holmes
retirement Plan &
401(k) manager, NExcom
757-440-4718
Prudential retirement
1-877-778-2100
hyatt Legal Services
1-800-821-6400
NExcom group #109800
magellan health
1-800-424-5988
FSC
ccg dodNExcom-0008 (10/14)
©2014 aetna inc.
Internet Address/
NEXWEB Code H Intranet Location
www.aetna.com and
www.nafhealthplans.com
www.aetnainternational.com
www.optimahealth.com
www.ghc.org
www.kaiserpermanente.org
www.hmsa.com
www.kaiserpermanente.org
www.kaiserpermanente.org
www.takecareasia.com
www.nafhealthplans.com
www.aetnafsa.com and
www.nafhealthplans.com
code h > Beneﬁts > disability insurance
code h > Beneﬁts > disability insurance
www.ltcbeneﬁts.com
Password – nexcomltc
code h > Beneﬁts > Life insurance
code h > Beneﬁts > Life insurance
code h > Beneﬁts > Life insurance
code h > Beneﬁts
code h > Beneﬁts > retirement
www.prudential.com/NExcom
www.magellanhealth.com/member

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