CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits

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4 THINGS You Need to Know About Annual Enrollment 1 2 3 4 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
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CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits

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