CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits

CHOICES
HEALTH CARE
PLAN BENEFITS
Enrollment Guide
2013
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What’s Changing
Increased tobacco-free credits.
The credits you may receive if you are
tobacco-free increased to $880 annually.
And the credits if all of your covered
dependents are tobacco-free also increased
to $880 annually. That’s a total of $1,760
in credits for being a tobacco-free family.
Remember: You must enroll to receive these
credits! If you use tobacco now but quit in
2013, you can receive prorated credits.
Health questionnaire process.
Beginning January 1, 2013, you will have the
opportunity to participate in Alcoa Healthy
Rewards, a program that encourages healthy
living. As part of this program, the health
questionnaire you’ve taken during enrollment
in previous years will now be administered in
2013. More details to come later this year.
New benefits.
In addition to Alcoa Healthy Rewards, these
enhancements will be made to your benefits:
• Coverage is available for nutritional
counseling, tobacco cessation drugs,
and weight management drugs.
Learn more on page 4.
• Expanded coverage for women’s health
services is mandated under health care
reform. A list of those services is on page 11.
Coverage changes
for inpatient care and
advanced imaging services.
Information on these changes is available
on page 4.

4 THINGS
You Need to Know
About Annual Enrollment
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Annual Enrollment is your once-a-year
opportunity to review your health care
benefits and make sure they continue
to be the best choices for you and
your family.
If you do nothing, your current
medical/prescription drug, dental,
vision, life, and disability elections will
stay in place for 2013.
If you want to take advantage of the
employee and dependent tobacco-free
credits, you must take action. If you don’t
elect them, you forfeit them — up to $880
if you cover yourself only and up to $1,760
if you cover dependents too.
You also must take action if you want
to continue or start contributing to a
Health Care Fund or Dependent (Day)
Care Fund flexible spending account,
or to the Health Savings Account
if that is your medical plan. If you don’t
specify amounts now, your contributions
will be zero in 2013 even if you
contributed in 2012.
Note: Due to IRS rules, the maximum
contribution amount for the Health
Care Fund in 2013 has been reduced
to $2,500.
How
to Enroll
Online
You can enroll in your Alcoa benefits
or learn more about them on the
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.
By Phone
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.
2 CHOICES HEALTH CARE PLAN BENEFITS

Medical
PLAN OPTIONS
With Choices, you can choose from four medical
plan options or opt out of coverage. All medical plans
cover the same services, including preventive care,
and come with the same prescription drug coverage.
The differences are in the deductibles, coinsurance
amounts, and out-of-pocket maximums.
Medical Coverage
Basic Comprehensive HRA HSA
ANNUAL HRA/HSA CONTRIBUTION AMOUNT
Alcoa’s Contribution N/A N/A
$750/employee only
$1,500/two
or more people
$400/employee only*
$800/two
or more people*
Annual Employee
Contribution N/A N/A N/A
IN-NETWORK
Annual Deductible
$1,000/person
$2,000/family
$250/person
$500/family
$1,500/person
$3,000/family
Up to $2,850/person*
Up to $5,650/family*
$1,500/employee only
$2,500/two
or more people
(Medical + Drug)
Inpatient Facility
Deductible
$250 $250 $250 N/A
Coinsurance
Routine Preventive Care Alcoa pays 100%
no deductible
Alcoa pays 100%
no deductible
Alcoa pays 100%
no deductible
Alcoa pays 100%
no deductible
PCP Office Visits Alcoa pays 90%
no deductible
Alcoa pays 90%
no deductible
Alcoa pays 90%
after deductible
Alcoa pays 90%
after deductible
Specialist Office Visits
and ER Care
Alcoa pays 70%
no deductible
Alcoa pays 80%
after deductible
Alcoa pays 90%
after deductible
Alcoa pays 90%
after deductible
Other Services Alcoa pays 70%
after deductible
Alcoa pays 80%
after deductible
Alcoa pays 90%
after deductible
Alcoa pays 90%
after deductible
Annual Out-Of-Pocket
Maximum
$3,000/person
$4,500/family
$2,500/person
$3,750/family
$3,000/person
$6,000/family
$3,000/employee only
$4,500/two
or more people
(Medical + Drug)
* Per IRS, total maximum contributions are $3,250/$6,450. Individuals age 55 and older can make up to an additional $1,000
in “catch-up” contributions in 2013.
CHOICES HEALTH CARE PLAN BENEFITS 3

Medical Plan Options, continued
Coverage Changes Effective
January 1, 2013
Inpatient Facility Deductible
Inpatient facility admissions will require
a separate deductible. This deductible is
in addition to the annual deductible that
must be paid. This change applies to the
Basic, Comprehensive, and HRA options.
It does not apply to the HSA option.
The inpatient facility deductible is the
additional amount you must pay for medically
necessary and appropriate health care you
receive during an admission to a facility. The
inpatient facility deductible must be met
before the program begins to pay all or part
of the remaining expenses. This inpatient
facility deductible amount may not be applied
toward the satisfaction of any other deductible
required by your program. However, any
inpatient facility deductible amounts paid will
apply to your annual out-of-pocket maximum.
The inpatient facility deductible will apply to
each admission to a hospital, rehabilitation
facility, psychiatric hospital facility, skilled
nursing facility, hospice facility, birthing center,
or substance abuse treatment facility.
If you are readmitted to the hospital for
treatment of the same condition within 30 days
of your discharge date, you will not have
to pay another inpatient facility deductible.
Advanced Imaging
You or your physician will be required to obtain
pre-certification prior to receiving any of the
following services that are not performed
in an emergency room, as an inpatient, on
weekends, or on holidays:
• computerized axial tomography
(CAT scans)
• magnetic resonance imaging
(MRI scans)
• positron emission tomography
(PET scans)
New Wellness Benefits
Alcoa’s enhanced emphasis on employee
wellness means that, effective January 1, 2013:
• Nutritional counseling is a covered service
when prescribed by a physician. Covered
services include diet modifications and
disease self-management skills training.
Coverage is limited to 15 visits per person
per year.
• Drugs for weight loss are now covered.
• Physician-prescribed over-the-counter
tobacco-cessation products will be covered
at 100% with no deductible.
4 CHOICES HEALTH CARE PLAN BENEFITS

Prescription Drug Coverage
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: $100
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 brandname
and generic drug.
Maximum coinsurance: $200.
There is no maximum
for difference in cost.
NONE for retail
or mail service
BRAND 50/50
Brand-name with
appropriate generic
alternatives
You pay 50% after deductible
Alcoa pays 50%
Maximum coinsurance: $100
You pay 50% after deductible
Alcoa pays 50%
Maximum coinsurance: $200
$50/person
$100/family
(one deductible
that includes drugs
purchased at retail
and mail service)
When Brand 50/50
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.
$50/person
$100/family
(one deductible
that includes drugs
purchased at retail
and mail service)
Contraception drugs and devices without a generic equivalent will be paid at 100% regardless
of retail or mail, effective January 1, 2013, based on changes required by the Patient Protection
and Affordable Care Act (PPACA).
CHOICES HEALTH CARE PLAN BENEFITS 5

Two Types of Tobacco-Free Credits
If you enroll in Alcoa medical/prescription
drug benefits for 2013, you may be eligible
for one or both of the following credits toward
the cost of those benefits:
Employee Tobacco-Free Credit
If you declare yourself to be tobacco-free, you
are eligible for an $880 annual credit to offset
the cost of your Alcoa-provided medical/
prescription drug benefits. If you don’t enroll
in medical/prescription drug benefits, you are
not eligible for this credit.
Dependent Tobacco-Free Credit
If you declare that all of your covered
dependents are tobacco-free, you are eligible
for another $880 annual credit to offset
the cost of your Alcoa-provided medical/
prescription drug benefits. The credit is the
same regardless of how many dependents
you enroll, as long as they are all tobaccofree.
If you don’t enroll at least one of your
dependents in medical/prescription drug
benefits, you are not eligible for this credit.
However, you are eligible for this credit even
if you are not eligible for the Employee
Tobacco-Free Credit (you use tobacco but
your dependents do not).
The credits are applied to your per-pay cost
for your benefits. For example, if you have
employee-only coverage and are paid monthly,
the cost of your benefits will be reduced by
$73.33 each month if you are tobacco-free.
What Does It Mean To Be “Tobacco-Free”?
• “Tobacco-free” means that you do not use
tobacco in any form — cigarettes, cigars,
pipes, snuff, or chewing tobacco.
• To be considered a non-tobacco user and
eligible for the tobacco-free credit:
––
you must not have used any type of
tobacco product for a period of 30
days before the date you elect medical/
prescription drug coverage (or for a
period of 30 days before the date that
you apply during the year for the credit)
––
you must pledge to remain tobacco-free
Using tobacco on one occasion is considered
using tobacco. If you have done this within
30 days of enrollment, you are not eligible
for the credit.
If you or a dependent use tobacco now and
quit after enrollment, you will be eligible for
the credit if you submit a signed Tobacco
Status Change Form (available online at
MyAlcoaBenefits.com or HRDirect, or by
calling 1-888-ALCOA123 (1-888-252-6212).
You will receive a prorated amount of the
credit. For example, if you quit in March and
send in your form in April, you will receive
eight months’ worth of the credit.
If it is unreasonably difficult (due to a medical
condition) or medically inadvisable for you or
a dependent to stop using tobacco products,
you may still qualify for the tobacco-free credit
by having your physician complete a Tobacco
Use Certification Form, which is available
online at MyAlcoaBenefits.com or HRDirect, or
by calling 1-888-ALCOA123 (1-888-252-6212).
Providing false information related to the
tobacco-free credit could result in disciplinary
action up to and including termination.
More information about the tobacco-free
credit, including free tobacco-cessation
classes, is available on MyAlcoaBenefits.com.
6 CHOICES HEALTH CARE PLAN BENEFITS

Flexible Spending Accounts
You can elect two types of flexible spending
accounts (FSAs) — the Health Care Fund
and the Dependent (Day) Care Fund.* Your
contributions are made with pre tax dollars.
You can make pre tax payroll contributions
to one or both funds throughout the year.
Then, when you incur eligible expenses,
you use your account to pay.
Important: According to IRS rules, you must
spend any money you set aside in a flexible
spending account in 2013. You have until
March 31, 2014, to submit your 2013 claims.
Flexible Spending Accounts
Health Care Fund
The Health Care Fund can be used for a variety
of out-of-pocket medical, prescription drug, dental,
and vision expenses — for you and your eligible family
members — that aren’t covered by any other benefit plan.
Dependent (Day) Care Fund*
The Dependent (Day) Care Fund can be used to cover
the cost of day care for your dependent children under
age 13 or adult day care while you (and your spouse,
if you’re married) work or attend school full-time.
You can contribute between $100 and $2,500 annually.
This amount has been lowered per IRS rules.
Restrictions apply if you elect the HSA medical option.
Note: The Health Care Fund is completely
separate from the HRA or HSA medical options.
You can contribute from $100 to $5,000 annually
(maximum is $2,500 if you and your spouse file
separate tax returns). If you and your spouse both
have a dependent care spending account, your
combined contributions are limited to $5,000 per year.
* Note: The Dependent (Day) Care Fund is for day care only. It can’t be used to pay for a dependent’s medical costs.
CHOICES HEALTH CARE PLAN BENEFITS 7

Dental Options: Basic and Comprehensive
You have two dental options. The options
differ in the coinsurance for oral surgery,
annual maximum, and dental implant and
orthodontia coverage.
If you use an in-network dentist, you will pay
your coinsurance based on a negotiated rate.
And your dentist will file your claims for you.
If you use an out-of-network dentist,
reimbursement of charges from a nonparticipating
provider is subject to allowed
amounts set by Alcoa’s dental claims
administrator. If a non-participating provider
charges more than the allowed amount for
a covered service, you must pay any excess
charges in addition to your coinsurance.
You may also be responsible for filing claims.
United Concordia, Alcoa’s dental claims
administrator, has an extensive network
of dentists who have agreed to accept
negotiated rates and file claims for you.
To find an in-network dentist, visit the United
Concordia website at www.ucci.com (click on
“For Members” then “Clients’ Corner” then
type “Alcoa”) or call 1-800-433-9906.
Your Dental Options
Annual Deductible
Preventive Care/Diagnostic
Routine exams, cleanings, and bitewing X-rays twice per year
Full-mouth X-rays once every three years
Surface fluoride treatment
Basic Services
Fillings and extractions
Root canal therapy
Periodontal care (treatment of gum and tissue disease)
Inlays, onlays, and gold fillings
Major Restorative Services
Dental implants (coverage with Comprehensive option only)**
Full or partial removable dentures
Fixed bridgework
Repair/replacement of dentures/bridgework
Crown restorations
Oral Surgery
Surgical removal of impacted teeth
Dental root resection
Orthodontia
(only for dependent children up to age 19)
Annual Maximum
(for all services except orthodontia)
Basic
$50/person
$100/family
100%*
(no deductible applies)
Plan pays 80%
You pay 20%
Plan pays 50%
You pay 50%
Plan pays 50%
You pay 50%
Not covered
$1,000/person
Comprehensive
$50/person
$100/family
100%*
(no deductible applies)
Plan pays 80%
You pay 20%
Plan pays 50%
You pay 50%
Plan pays 80%
You pay 20%
Plan pays 50%
(no deductible applies)
You pay 50%
Separate $1,500 lifetime
maximum per child
$2,000/person
* Except for sealants, which are paid at 80% for covered dependent children up to age 14, and are subject to the deductible.
** Implants are covered only for participants age 18 and over, and are covered only once per tooth per lifetime.
8 CHOICES HEALTH CARE PLAN BENEFITS

Vision Coverage
Your Vision Plan
In-Network*
Out-of-Network
Annual Deductible None None
Routine Vision Exam
(once per calendar year)
100% Up to $35
Standard Lenses**
(per set; once per calendar year)
Single Vision 100% Up to $35
Bifocal 100% Up to $51
Trifocal 100% Up to $68
Lenticular (Biconvex) 100% Up to $80
Frames
(once every two calendar years)
Contact Lens Fitting
(once per calendar year)
Contact Lenses
(instead of standard lenses;
once per calendar year)
100% up to $100 retail Up to $30
100% Up to $35
100% up to $105 retail Up to $68
* In-network providers aren’t obligated to accept these benefit amounts in special retail sales or packages; you may be required
to pay the sale/package price and be reimbursed by the claims administrator at the out-of-network rate.
** Amounts shown are for standard lenses only. Lens options such as coatings, tints, and progressive bifocals aren’t covered.
If you choose non-standard lens features, you pay the difference. In-network providers offer a discount on these lens features.
CHOICES HEALTH CARE PLAN BENEFITS 9

More Benefits
You’re automatically enrolled, at no cost
to you, in the following coverage: disability,
employee life insurance, and employee
accidental death and dismemberment
(AD&D) insurance. You have the option
to elect additional coverage amounts for
all of these benefits.
You also may elect the following types of
coverage: spouse/domestic partner life
insurance, child life insurance, and dependent
AD&D insurance. For more information,
including details about even more Alcoa
benefits, go to www.MyAlcoaBenefits.com.
More Benefits
Short-Term Disability (STD)
Long-Term Disability (LTD)
(may not be offered to all
groups or locations)
Employee Life Insurance*
Spouse or Domestic
Partner Life Insurance*
Child Life Insurance
Employee Accidental Death
and Dismemberment (AD&D)
Insurance
Dependent AD&D Insurance
• Coverage options represent a weekly benefit based on a percentage of your base
pay. Keep in mind: If you are disabled, you will need sufficient funds to pay your
bills. You should figure that in when deciding which option is best for you and
your family.
• “Income-based” price tags.
• Three coverage options, each representing a monthly benefit based on a
percentage of your base pay. Lowest coverage option is provided at no cost to you.
• “Income-based” price tags.
• Not available to part-time employees.
• If this coverage applies to you, it will be listed on your Enrollment Worksheet.
• Elect from 1 to 8 times pay in term life insurance;
1 times pay (maximum $200,000) provided at no cost to you.
• Definition of pay includes base pay only.
• Evidence of insurability may be required.
• Price of coverage is based on the insured person’s age as of December 31, 2013.
• Three coverage options — $25,000, $50,000, $100,000 — or “No Coverage.”
• No evidence of insurability required for lowest option.
• Price of coverage is based on the insured person’s age as of December 31, 2013.
• Two coverage options — $5,000 or $10,000 per child — or “No Coverage.”
• No evidence of insurability required.
• Elect from 2 to 8 times pay in coverage; 2 times pay provided at no cost to you.
• Definition of pay includes base pay only.
• No evidence of insurability required.
• Elect from 1 to 8 times pay in coverage for your eligible spouse
or domestic partner and/or children, or “No Coverage.”
• No evidence of insurability required.
* If you increase employee or spouse life insurance coverage levels, you may be asked to provide evidence of insurability
by completing the MetLife “Statement of Health” form. You can complete this form online during the enrollment period.
If you do not have access to the internet, you will receive the form in the mail.
10 CHOICES HEALTH CARE PLAN BENEFITS

Alcoa is required to provide the following
information. For more information about any
of these notices, please call 1-888-ALCOA123
(1-888-252-6212).
Changes to Women’s Preventive Services
Due to the Patient Protection and Affordable
Care Act (PPACA), effective January 1, 2013,
the following preventive services will be
covered at 100% with no deductible:
• screening for gestational diabetes
• breastfeeding supplies (pump and tubing)
• contraception drugs and devices without
a generic equivalent
• contraceptive sterilization — tubal ligation
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.
CHOICES HEALTH CARE PLAN BENEFITS 11

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.
Summary of Benefits and Coverage
Companies are now required by the
Patient Protection and Affordable Care Act
(“health care reform”) to provide health
care participants with a summary of benefits
coverage that accurately describes the
benefits and coverage available under the
plan, and a uniform glossary of terms.
The Summary of Benefits and Coverage
and Glossary applicable to your
Alcoa benefits are available online at
http://resources.hewitt.com/alcoa
as part of your enrollment process.
If you prefer printed copies of one
or both of these documents, call
1-888-ALCOA123 (1-888-252-6212)
and speak to a representative.
Can We Help You?
If English is your second language, call
1-888-ALCOA123 to speak with a translator.
More than 180 languages are available!
Se Habla Español
Llame a la línea de Alcoa 1-888-ALCOA123.
Para español diga “español” y su llamada
será transferida a un representante
quien pueda ayudar con assistencia
de un intérprete en español.
This booklet is for Alcoa employees covered under the 2013 version of the Choices plan. 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 2012 • Copyright © 2012 by Alcoa Inc. All rights reserved. • Printed on recycled paper • H000106511