2011 Alcoa Retiree Health Care Plan Benefits - MyAlcoaBenefits

2011 Alcoa Retiree Health Care Plan Benefits
Changes Related to Health Care Reform
Health care reform legislation requires Alcoa to make the following changes
to your retiree health care plan, effective January 1, 2011.
For Pre-Medicare retirees:
If you have a child ages 19 to 26 who was an eligible dependent when you retired,
you may add him or her to your Alcoa coverage for 2011.
Health care reform requires companies to extend coverage to employees’ and retirees’
children until they turn 26 – regardless of marital or full-time student status. The child
does not have to be your tax dependent and does not have to reside with you.
However, he or she had to be an eligible dependent when you retired from Alcoa.
If you wish to add your adult child to your 2011 coverage, please note the following:
You’ll have from October 14 through November 15 to add your child(ren)
as a dependent. Note: Although Annual Enrollment runs for two weeks, Alcoa is
required to provide a 30-day enrollment period for these dependents. To enroll
them after enrollment closes on October 27, you’ll need to call 1-888-ALCOA123.
You won’t be able to enroll them online after enrollment closes.
You will be required to submit proof that you are the child’s parent (for example, a
birth certificate, adoption papers and your marriage certificate for stepchildren).
However, submitting a tax return is no longer necessary.
The law does not require you to cover your dependent child up to age 26. You can
make that choice.
For all retirees:
Preventive care coverage. Most of Alcoa’s retiree health plans already cover
preventive medical services at 100%. The few that do not will be revised, effective
January 1, 2011, to provide 100% coverage.
Emergency care coverage. Your retiree health plan will be revised if it requires
different coinsurance for emergency care received out of network.
Lifetime maximum plan benefits. Retiree plans that include lifetime maximum
benefits will be revised to remove this provision, effective January 1, 2011.

Medical Coverage:
Pre-Medicare Retirees
You’ll choose from four medical plans:
Basic, Comprehensive, Health
Reimbursement Arrangement (HRA) and
Health Savings Account (HSA).
Each option:
has the same network of healh care
providers (Highmark Blue Cross
Blue Shield, which uses the National
Blue Cross Blue Shield PPO network
of providers)
covers the same services
includes the same prescription drug
plan. When you enroll yourself and
your eligible dependents in one of
the medical options, you
automatically are enrolled for
prescription drug coverage.
has different deductibles,
coinsurance amounts (depends on
what kind of provider you see and
where you receive services), and
annual out-of-pocket maximums
has different payroll contributions
as shown in your enrollment
materials.
The chart on the next page shows how the
options differ in deductible, coinsurance,
and out-of-pocket maximum amounts.
Because more than 95% of Alcoa’s
medical claims are for services in the
Highmark Blue Cross Blue Shield network,
this chart highlights in-network care only.
To find out if your physician or hospital is
in the Highmark network, go online to
www.highmarkbcbs.com
Deductible
The deductible is the amount you must
pay for covered expenses before Alcoa
pays for any expenses.
Coinsurance
After you meet the applicable deductible,
you pay a percentage of the cost, and
Alcoa pays the rest. This is the
coinsurance amount.
With the Basic and Comprehensive
options, there are three different
coinsurance levels:
• PCP Office Care: Services provided
by a primary care physician (PCP) in
his or her office. A PCP is defined as
a family practitioner, general
practitioner, internist, or
pediatrician.
• Specialty Office/Emergency
Room Care: Services provided by
any other physician (examples
include cardiologist, allergist,
gynecologist, or physical therapist)
in his or her office or in an
emergency room.
• Other Services: Services including
surgery, hospitalization, laboratory
services,
X-rays, durable medical equipment,
and more.
Out-of-Pocket Maximum
The out-of-pocket maximum limits the
amount you pay for covered medical
expenses in one calendar year. After you
meet your out-of-pocket maximum, Alcoa
pays 100% of all covered expenses for the
rest of the calendar year. Note: The
annual out-of-pocket maximum includes
deductible and coinsurance amounts for
medical services. It does not include
prescription drug expenses.

Medical Coverage for Pre-Medicare Retirees continued
What You Need to Know About Each Plan
When selecting a medical plan, think about your and/or your family’s health care needs.
You should look at more than just the contributions that will come from your paycheck.
It’s important to also review the plan design. For example, all plans cover routine
preventive care at 100%, and the Basic and Comprehenisve plans cover some services
with no deductible.
Basic
The Basic option has the lowest contribution, but it may cost you more when you use
medical services.
This option offers coverage without a deductible for many services, including
physician office visits and emergency room care.
Comprehensive
The Comprehensive option has the highest contribution, but it may cost you less
when you use medical services.
This option offers coverage without a deductible for PCP office visits. You’ll have to
meet the deductible first for all other types of medical services.
Health Reimbursement Arrangement (HRA)
The HRA has higher deductibles and out-of-pocket costs, but Alcoa puts money into
an account to help you pay for health care costs.
Alcoa puts $750 in the account if you cover only yourself or $1,500 if you cover two
or more people.
You can use your HRA money to reimburse yourself for health care expenses during
the year. Whatever you don’t use rolls over to the next year as long as you stay in
the HRA.
Health Savings Account (HSA)
The HSA is made up of two parts:
o A medical plan that covers eligible medical and prescription drug expenses
after you meet your deductible*, and
o A savings account that both you and Alcoa can contribute to. This account is
controlled by you.
There are higher out-of-pocket costs in this plan, but Alcoa puts money in your HSA
to help you cover those costs.
Alcoa puts $400 in your HSA if you cover only yourself or $800 if you cover two or
more people. Plus, you can add your own money to the account: up to $2,650 pretax
when you cover only yourself or up to $5,350 pre-tax when you cover two or
more people.

Medical Coverage for Pre-Medicare Retirees continued
You must open your HSA account directly with ACS/Mellon and accrue funds before
paying for eligible services. Alcoa’s full annual contribution is deposited in January if
you open your account during annual enrollment. If you open your account later,
Alcoa’s full annual contribution is deposited as soon as administratively possible.
If you leave Alcoa for any reason, you take the entire account – your money and
Alcoa’s contribution – with you.
You can’t enroll in an HSA if you have other medical coverage, including coverage
from a spouse’s plan or veteran coverage.
*Important: Your medical and prescription drug expenses apply toward your
deductible in the HSA. This means that you must meet your annual deductible before
the plan starts to pay any medical or prescription drug expenses, including free generics
by mail. Also, if you cover two or more people, you must meet the family deductible and
out-of-pocket maximum, not the individual levels.

Medical Coverage for Pre-Medicare Retirees continued
ANNUAL HRA/HSA CONTRIBUTION AMOUNT
Basic Comprehensive HRA HAS
ALCOA’S N/A N/A $750/employee only $400/employee only*
CONTRIBUTION $1,500/two $800/two
or more people or more people*
ANNUAL EMPLOYEE N/A N/A N/A Up to $2,650/person*
CONTRIBUTION
Up to $5,350/family*
IN-NETWORK
ANNUAL DEDUCTIBLE $1,000/person $250/person $1,500/person $1,500/employee only
$2,000/family $500/family $3,000/family $2,500/two
or more people
(Medical + Drug)
COINSURANCE
Routine
Alcoa pays 100% Alcoa pays 100% Alcoa pays 100% Alcoa pays 100%
Preventive Care no deductible no deductible no deductible no deductible
PCP Office Visits Alcoa pays 90% Alcoa pays 90% Alcoa pays 90% Alcoa pays 90%
no deductible no deductible after deductible after deductible
Specialist Office Visits Alcoa pays 70% Alcoa pays 80% Alcoa pays 90% Alcoa pays 90%
and ER Care no deductible after deductible after deductible after deductible
Other Services Alcoa pays 70% Alcoa pays 80% Alcoa pays 90% Alcoa pays 90%
after deductible after deductible after deductible after deductible
ANNUAL $3,000/person $2,500/person $3,000/person $3,000/employee only
OUT-OF-POCKET $4,500/family $3,750/family $6,000/family $4,500/two
MAXIMUM
or more people
(Medical + Drug)
* Per IRS, total maximum contributions are $3,050/$6,150. Employees age 55 and older can make up to an
additional $1,000 in “catch-up” contributions in 2011.

Prescription Drug Plan
Pre-Medicare and Medicare-eligible retirees have the same prescription drug
coverage.
There’s only one prescription drug plan, which is automatic with any of the medical
options.
Three coverage categories in the drug plan:
Generic Drugs
• No deductible
• Free when you fill through the mail order program
• At retail, you’ll typically never pay more than 10%
Brand 80/20 Drugs
• Brand-name prescription drugs with no or limited generic alternatives to treat
your condition
• Brand-name drugs that treat asthma or diabetes
• No deductible
• Alcoa pays 80% of the cost and you pay 20%
Brand 50/50 Drugs
• Brand-name prescription drugs with appropriate generic alternatives
• $50/$100 (individual/family) deductible, combined for retail and mail
• Alcoa pays 50% of the cost and you pay 50%
Your Out-of-Pocket Costs
• The deductible is combined for retail pharmacy and mail delivery. It only applies
to Brand 50/50 drugs. The deductible is $50 for an individual and $100 for
families.
• If you choose a brand-name drug when a generic equivalent is available, Alcoa
pays only the cost that would apply if you chose the generic drug. You pay the
generic coinsurance plus the difference in cost between the brand-name and
generic drugs.
• If your doctor believes that a brand-name medicine is medically necessary, he or
she can provide clinical reasons to the CVS Caremark Prior Authorization
Department. If the brand-name drug is approved, you’ll pay the brand-name drug
coinsurance.
• If you fill your prescription for a maintenance medication more than three times at
your retail pharmacy, you’ll pay 10% extra. Avoid the extra costs by using mail
order.
• The maximum coinsurance you’ll pay per fill is $100 at a retail pharmacy or $200
if you use mail order. This maximum applies to the coinsurance but does not apply
to any extra costs if you choose a brand-name drug over a generic or purchase a
maintenance drug at a retail pharmacy instead of through mail order.

What will your medications cost?
To find out what your current prescriptions will cost when you purchase them through
CVS Caremark in 2011, you can use a convenient estimating tool. If you currently use a
brand-name medication, you can find information about its generic equivalent as well.
Follow these steps after October 1, 2010:
1. Call CVS Caremark at 1-888-291-6372 and select Option 1 for members.
2. When prompted, say “No” or press 2 to calling about a refill.
3. Select the menu option for “Get a Drug Price.”
4. Say “No” or press 2 to your Member ID having letters and when prompted, enter the
following information:
ID number: 777-888-999
Date of Birth: 01-01-1960
5. Say the drug name, strength, and daily quantity when prompted.
6. If the drug is available through the mail-order service, you’ll hear both the retail (for
a 30-day supply) and mail-service (for a 90-day supply) costs. The retail and mailorder
prices will be significantly different because the quantities are different.
7. If you request a brand-name drug for which a generic is available, you’ll also hear
the price for the generic.
8. If you speak to a CVS Caremark customer service representative, say that you are an
Alcoa member seeking information about your 2011 drug coverage. You’ll need to
provide the ID number and other information in Step 4.
Note: The estimator assumes you’ve already met your annual retail deductible. Costs
provided are estimates only.
Retail Mail
Prescription Drug Network
You have two ways to purchase covered prescription drugs:
• At a participating CVS Caremark retail pharmacy, including most chain and
many local pharmacies. Your deductible applies, and you pay the
coinsurance for up to a 30-day supply.
• Through the CVS Caremark mail-order service for long-term medications or
any prescriptions not needed immediately. No deductible applies, and you
pay the coinsurance for up to a 90-day supply.

If you use an out-of-network pharmacy, you pay the full cost of the prescription
and then submit a claim form and receipt to CVS Caremark. You’ll be reimbursed
at the in-network retail level for covered prescriptions minus the applicable
deductible and coinsurance. You also must pay any difference between the CVS
Caremark negotiated rate and the pharmacy’s actual charge.
For a list of participating pharmacies or to find out how much you’ll pay for your
prescriptions, go online to www.caremark.com or call 1-888-291-6372.
If you are Medicare-eligible
You are not required to choose prescription drug coverage through Medicare.
Alcoa will continue to provide your retiree prescription drug coverage for 2011.
If you enroll in Medicare prescription drug coverage, you will be required to pay a
monthly premium to the Medicare drug plan and a share of the costs for your
medications ­ so you will be paying more for additional insurance that you may
not need. Medicare prescription drug coverage will not supplement your Alcoa
retiree drug plan, and your Alcoa retiree drug plan will not supplement Medicare
prescription drug coverage. There will be no coordination between the two plans.
Medicare prescription drug coverage may not cover all medications that the Alcoa
plan covers.
Alcoa’s retiree drug plan is considered “creditable” by Medicare, which means, on
average, it is at least as good as Medicare prescription drug coverage. Therefore,
for most Alcoa retirees, there will be no advantage to signing up for the Medicare
plan.
For more information about the Medicare drug plans offered in your area, you can
call 1-800-MEDICARE (1-800-633-4227) or log on to www.medicare.gov.
If you have a limited income and resources, you may be eligible for assistance
from the government to help pay for the Medicare coverage. You can call the
Social Security Administration at 1-800-772-1213 for more information about this
assistance.

PRESCRIPTION DRUG COVERAGE
RETAIL PHARMACY
Up to 30-day supply
Additional 10% coinsurance for a
maintenance drug at a retail
pharmacy after 3 fills.
MAIL SERVICE
Up to 90-day supply
COINSURANCE COINSURANCE DEDUCTIBLE
GENERIC You pay 10%
Alcoa pays 90%
Maximum coinsurance: $60
You pay nothing
Alcoa pays 100%
NONE for
retail or mail
service
BRAND 80/20
Brand-name with no or
few generic alternatives
You pay 20%
Alcoa pays 80%
Maximum coinsurance: $100
You pay 20%
Alcoa pays 80%
Maximum coinsurance:
$200
NONE for
retail or mail
service
When Brand 80/20 drug
has a generic equivalent
but you choose brand
You pay 10% of the generic drug
cost PLUS difference in cost
between brand-name and
generic drug.
Maximum coinsurance: $100.
There is no maximum for
difference in cost or for the
additional 10% for filling
maintenance drug at retail.
You pay the difference
in cost between the
brand-name and generic
drug.
Maximum coinsurance:
$200.
There is no maximum
for difference in cost.
BRAND 50/50
Brand-name with
appropriate generic
alternatives
When Brand 50/50 drug
has a generic equivalent
but you choose brand
You pay 50% after deductible
Alcoa pays 50%
Maximum coinsurance: $100
You pay 10% of the generic drug
cost PLUS difference in cost
between brand-name and
generic drug.
Maximum coinsurance: $100
There is no maximum for
difference in cost or for the
additional 10% for filling
maintenance drug at retail.
You pay 50% after
deductible
Alcoa pays 50%
Maximum coinsurance:
$100
You pay the difference
in cost between the
brand-name and generic
drug.
Maximum coinsurance:
$200.
There is no maximum
for difference in cost.
$50 person
$100 family
(One
deductible
that includes
drugs
purchased at
retail and mail
service)

Medical Coverage for Medicare-Eligible Retirees
Alcoa Medicare Supplement Plan
Once you are eligible for Medicare, your primary health care coverage is provided through
Medicare. To help pay for some costs that Medicare does not cover, Alcoa offers the Alcoa
Medicare Supplement Plan. The Alcoa Medicare Supplement Plan supplements Medicare Part A
(hospital) benefits, such as the inpatient deductible and daily copayments, and certain limited
Medicare Part B (physician and other medical services) benefits.
Please note that, when you become eligible for Medicare, Alcoa will always pay your claim as if
you have Medicare Part B, whether or not you are enrolled. If you become eligible for
Medicare before age 65, you need to notify Alcoa immediately.
MedOption
You can purchase the voluntary MedOption Plan if you enroll in the Alcoa Medicare Supplement
Plan. This plan helps fill the gap between Medicare Part B and the Alcoa Medicare Supplement
Plan.
MedOption is not an Alcoa plan. It is provided by your medical claims administrator, and Alcoa
provides access to the plan as a convenience. You pay the full monthly cost if you purchase the
MedOption Plan. If you choose to enroll in MedOption, the cost will be deducted from your
pension check or you can choose to be billed each month. Your retiree health care credits
cannot be used to purchase MedOption coverage. Please refer to your Enrollment Worksheet for
MedOption pricing information. You may enroll in MedOption coverage at any time.
Please note that there are other similar supplemental plans available through insurance
companies and AARP that may better suit your needs and budget.
You may also have a Medicare HMO available in your area. If this option is available, it will be
listed on your Enrollment Worksheet. Contact the HMO directly for details about the plan.
This chart shows how Medicare, the Alcoa Medicare Supplement Plan, and MedOption work
together.
Services
Medical Benefits for Medicare-Eligible Retirees
Medicare Alcoa Medicare MedOption Plan
(up to Medicare-approved Supplement Plan (up to Medicare-approved
amount after Parts A & B (up to Medicare-approved amount)
deductibles are met)*
amount)
AMBULANCE SERVICE 80% No Coverage 20%
AMBULATORY 80% No Coverage 20%
SURGICAL FACILITY
ASSISTANT SURGERY 80% No Coverage 20%
BONE MASS 80% No Coverage 20%
MEASUREMENT
CARDIAC 80% No Coverage 20%
REHABILITATION
CHEMOTHERAPY
(provided by
80% No Coverage 20%
licensed professional)
DIABETES MONITORING 80% No Coverage 20%

Services
Medicare
Alcoa Medicare
Supplement Plan Med-Option Plan
DOCTOR VISITS 80% No Coverage 20%
(includes skilled nursing
facility, inpatient, office,
or home visits)
DURABLE MEDICAL 80% No Coverage 20%
EQUIPMENT AND
PROSTHETIC DEVICES
EYEGLASSES AFTER 80% 20% No Coverage
CATARACT SURGERY
HEMODIALYSIS 80% No Coverage 20%
OUTPATIENT HOSPITAL
HOME HEALTH CARE 100% No Coverage No Coverage
HOSPICE 80% 20% No Coverage
IMMUNIZATIONS Limited Coverage 20% for immunizations No Coverage
If administered in a doctor’s
covered by Medicare;
office or health care facility otherwise 80%
(excludes immunizations
for travel outside the U.S.)
INPATIENT HOSPITAL 100% Medicare Part A inpatient No Coverage
after inpatient deductible deductible and daily
and daily copayments copayments (if applicable)
OUTPATIENT HOSPITAL 80% No Coverage 20%
PHYSICAL
REHABILITATION
OUTPATIENT MENTAL 50% 50% No Coverage
HEALTH/SUBSTANCE
ABUSE TREATMENT
OUTPATIENT SURGERY
• Surgeon 80% 20% No Coverage
• Anesthesia 80% 20% No Coverage
• Facility 80% No Coverage 20%
PAP TEST AND 80% No Coverage 20%
PELVIC EXAM
PHYSICAL OR 80% No Coverage 20%
OCCUPATIONAL THERAPY
RADIATION THERAPY
(doctor’s fees only)
• Inpatient 80% 20% No Coverage
• Outpatient 80% No Coverage 20%
SCREENING FOR:
• Prostate cancer 80% No Coverage 20%
(digital rectal exam)
• Colorectal cancer 80% No Coverage 20%
SKILLED NURSING 100% for first 20 days; 100% of copayment for No Coverage
FACILITY copayment required from days 21 through 100; then
day 21 through day 100% beyond day 100
VISITING NURSE No Coverage 80% No Coverage
Services of a registered
nurse (R.N.) or a licensed
practical nurse (L.P.N.)
X-RAY/LABORATORY
• Inpatient 80% 20% No Coverage
• Outpatient 80% No Coverage 20%
* You are responsible for enrolling in Medicare Part B when you are first eligible. When you become eligible for
Medicare, Alcoa will pay your claim as if you have Medicare Part B, whether or not you are enrolled.

Plan Revisions (Summary of Material Modifications)
Alcoa is required to provide the following information to you. For more
information about any of these notices, please call 1-888-ALCOA123 (1-888-
252-6212).
Changes to Mental Health Coverage under the Basic and Comprehensive
Medical Plans
To comply with the Mental Health Parity and Addiction Equity Act, effective January 1,
2011, office visits to a mental health specialist will be covered at 90% with no
deductible.
Lifetime Coverage Limits
Some of Alcoa’s retiree health care plans included lifetime coverage limits. This
statement only applies to those plans:
The lifetime limit on the dollar value of benefits under any of Alcoa’s health plans no
longer applies. If an individual’s coverage ended because he or she reached a lifetime
limit under the plan, he or she is eligible to enroll again in the plan.
Women’s Health and Cancer Rights Act
The Women’s Health and Cancer Rights Act of 1998 requires group health plans that
provide coverage for mastectomies to also provide reconstructive surgery and
prostheses following mastectomies.
The law mandates that a participant or eligible dependent who is receiving benefits for a
covered mastectomy and who elects breast reconstruction, will also receive coverage
for:
• All stages of reconstruction of the breast on which the mastectomy has been
performed;
• Surgery and reconstruction of the other breast to produce a symmetrical appearance;
and
• Prostheses and treatment of physical complications of all stages of mastectomy,
including lymphedemas.
This coverage will be provided in consultation with the patient and the patient’s
attending physician and will be subject to the plan’s annual deductible, coinsurance
and/or copayments.

Medicaid and the Children’s Health Insurance Program (CHIP)
If you are eligible for health coverage from Alcoa, but are unable to afford the
premiums, some states have premium assistance programs that can help pay for
coverage. These states use funds from their Medicaid or CHIP programs to help people
who are eligible for coverage, but need assistance in paying their health premiums.
If you or your dependents are already enrolled in Medicaid or CHIP, you can contact
your 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 might be eligible for either of these programs, you can contact your state Medicaid
or CHIP office, call 1-877-KIDS NOW or log on to www.insurekidsnow.gov to find
out how to apply. If you qualify, you can ask the state if it has a program that might
help you pay the premiums for Alcoa’s plan.
Once it is determined that you or your dependents are eligible for premium assistance
under Medicaid or CHIP, Alcoa’s health plan is required to permit you and your
dependents to enroll in the plan – as long as you and your dependents are eligible, but
not already enrolled in coverage. This is called a “special enrollment” opportunity, and
you must request coverage within 60 days of being determined eligible for
premium assistance.
A Reminder About Privacy
Alcoa’s health care plans comply with Health Insurance Portability and Accountability Act
of 1996 (HIPAA) requirements. Details are available in Alcoa’s Notice of Privacy
Practices. This notice explains how certain health information about you and your
covered dependents may be used or released by Alcoa’s health care plans.
If you wish to review the Notice of Privacy Practices, go to
http://resources.hewitt.com/alcoa. Scroll over the "Knowledge Center" tab, then
click on "Plan Information" under the "Health and Insurance" heading. Or call 1-888-
ALCOA123 (1-888-252-6212) to request a copy by mail.

How to Enroll
Online
By Phone
You can enroll in your Alcoa retiree benefits or learn more about them on Your
Benefits Resources website at http://resources.hewitt.com/alcoa. The website is
available 24 hours each day except Sunday, when it is available after 1 p.m.
Eastern Time.
Note: You will need your user ID and your password to log on to the website.
If you are unable to enroll via the Your Benefits Resources website, you can
enroll by calling 1-888-ALCOA123 (1-888-252-6212) weekdays between 9 a.m.
and 5 p.m. Eastern Time.
When prompted, enter or say the last four digits of your Social Security number
and your date of birth.
Please refer to your Enrollment Worksheet for price information and the deadline to
enroll.

This booklet is for Alcoa retirees covered under Choices. This enrollment kit is part of the Summary Plan Description (SPD).
It also is a Summary of Material Modifications under federal law and should be kept with your SPD. It contains important
information about the Employees’ Group Benefits Plan of Alcoa Inc. Please read it carefully and keep it with your SPD for
future reference. If there are any differences between this enrollment kit and the plan document, the plan document will
govern. Alcoa may change the level of benefits provided under the plan at any time, subject to any collective bargaining
agreements that may exist for covered participants. If a change is made, benefits for claims incurred after the date the
change takes effect will be paid according to the revised plan provisions. In other words, once a change is made, there
are no rights to benefits based on earlier plan provisions.
Published by Alcoa Corporate Affairs October 2010
81762
Copyright © 2010 by Alcoa Inc. All rights reserved.
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