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2008 Annual Enrollment. Training Presentation April 2008. Agenda. Overview of 2008-2009 benefits What’s new and/or changing July 1 What you need to do Enrollment dates and My Benefits Access Benefits enrollment Questions?. 2008-2009 Benefits. Medical Dental Vision

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2008 annual enrollment

2008 Annual Enrollment

Training Presentation

April 2008

  • Overview of 2008-2009 benefits
    • What’s new and/or changing July 1
  • What you need to do
    • Enrollment dates and My Benefits Access
  • Benefits enrollment
  • Questions?
overview of 2008 2009 health benefits



Flexible Spending Accounts

Basic Life Insurance

Optional Life Insurance

Basic Accidental Death and Dismemberment

Optional Accidental Death and Dismemberment

Short-term Disability (if offered by your sector)

Long-term Disability

Employee Assistance Program

Group Legal

Voluntary Insurance (through the Northrop Grumman Federal Credit Union)

Overview of 2008-2009 Health Benefits
what s changing july 1
What’s Changing July 1
  • Medical
    • New carrier for Premium and Preferred PPOs
    • Prescription drug changes under the PPO and EPO options
    • Reduced lifetime maximum of $12,500 for infertility treatment under PPO and EPO options
  • Flexible Spending Accounts  reduced annual limit of $2,500 for highly compensated employees
  • Cost increases for Premium PPO and Cigna EPP
anthem blue cross
Anthem Blue Cross
  • Provider network is the same as the Blue Cross Blue Shield network
  • New medical ID cards issued before July 1, 2008
  • Access to Anthem’s care management program, 360 Degree Health
prescription drug changes
Prescription Drug Changes
  • Generic preferred refills (PPO and EPO options)
  • Mandatory mail-order for maintenance medications (PPO and EPO options)
  • Step Therapy program for PPO participants
flexible spending accounts
Flexible Spending Accounts
  • If you earn $100,000 or more in 2008, your annual contribution limit to the Dependent Care FSA will be reduced to $2,500
employee costs
Employee costs
  • Changes to how employee contributions are calculated
  • Significant cost increases for Premium PPO and Cigna EPP options
lumenos hra plan
Lumenos HRA Plan


lumenos hra plan11
Lumenos HRA Plan

Plan Year Amounts

Health ReimbursementAccount (HRA)

Preventive Care 100%


Traditional Health Coverage

Coinsurance Maximum

Mental Health/Substance Abuse and prescription drug benefits are covered under the plan.

example sharon
Example: Sharon
  • Average user of health care benefits
  • Family coverage
  • Potential health care services/needs (with assumed actual cost of service):
    • Three routine preventive care visits ($125 each)
    • Two specialist visits ($175 each)
    • 20 physical therapy visits for treating sports-related injury ($100 per visit)
    • Two generic maintenance prescriptions filled monthly ($20 each per month)
    • One preferred brand prescription ($60)
example sharon s costs
Example: Sharon’s Costs

* This example assumes in-network services only.

what you need to do
What You Need To Do
  • Review
    • Current benefits coverage and 2008-2009 options with eligible family members
    • How you use your benefits, and what your needs will be in the coming benefit plan year
    • Whether you could save money by choosing a different (but still appropriate) option
what you need to do cont
What You Need To Do (cont.)
  • Enroll
    • Use the tools and resources at My Benefits Access to evaluate your options
    • Make changes to current health benefits coverage during your enrollment period
    • If You Don’t Enroll
      • Continue current coverage for medical, dental, vision, life, disability, and AD&D (as applicable) at new plan year costs
      • Current coverage in following plans will continue unless you make a change:
        • Health Care and/or Dependent Care FSAs
        • Group Legal plan
how to enroll online
How to Enroll > Online
  • Go to Benefits OnLine at http://benefits.northropgrumman.com and click on the “Enroll With Your Sector” button
    • Select your sector to review general benefits and enrollment information
    • Log into My Benefits Access
      • First-time visitors will need to set up a user ID and password
    • Make your elections and print a confirmation statement
how to enroll by phone
How to Enroll > By Phone
  • No Web Access?
    • Call the Northrop Grumman Benefits Center (NGBC) at 1-800-894-4194 to enroll
      • If hearing impaired, will need to use a relay service through TTY/TDD provider
    • Available Monday through Friday, 9:00 a.m. to 6:00 p.m. Eastern time