Annual Enrollment Booklet and 2014 Premiums - employee benefits ...

ChooseWell:2014 Benefits Enrollment2014 Annual Enrollment isNovember 19 – December 5GDAIS is committed to your health and well-being. We take pride inoffering employees great benefits while containing expenses. Some ofour comprehensive benefits we offer to you and your family include:• Medical, dental, vision, insurance• Health Savings Account• Flexible Spending Accounts• Retirement – Safe Harbor 401k• Life, AD&D insurance• Work Life Balance – PTO and Flexible work schedulesWhy Enroll in GDAIS Benefits?• Top 15% of all 401(k) plans for:– Account balances– Salary deferral– Total plan costs• $5.7M roll-over funds in 2013 employee HSA accounts• We hold our premiums to a minimum — PHAP costs have only risenbetween 2%-5% over the past few years• GDAIS continues to contribute between 72%-80% of total medical costsReview Your 2014 OptionsThis document highlights key changes and features to help youmake the best decisions for you and your family in 2014. You can seeyour complete 2014 Annual Enrollment benefit choices by visitingwww.gdbenefits.com.What You Need to KnowThe following highlights some ofthe key changes for 2014. Visitwww.gdbenefits.com for moreinformation.3.GD-H-601CC.100

Personal Health Account Plans = Choice and Savings OptionsGDAIS Personal Health Account Plans (PHAPs) provide you and your family with great health coverageat affordable prices. PHAPs are designed to give you a choice in how you access health care and howyou spend your health care dollars.Wellness and prevention is thefoundation for good health, which iswhy we provide 100% coverage forpreventive care when you use innetworkproviders.This year, we are offering three PHAP options tooffer you more flexibility:1Standard PHAP – typical enrollee seeks onlypreventive care and takes no medication.2Non-Seeded Enhanced PHAP – appropriatefor employees who have other insurance suchas Tricare or Medicare and cannot contributeto an HSA.3Enhanced PHAP – typical enrollee engagesin healthcare system actively and takesmedications regularly.Important: If you wish to make beforetaxcontributions to your HSA in 2014, youmust make an active election during AnnualEnrollment. Your 2013 contribution election willnot carry over to 2014 for any of the PHAPs.New ID CardsNew ID cards will be issued in 2014 formany employees and covered dependents.Here’s a look at what you can expect:• Those with Prime Therapeuticsprescription drug coverage will receive anew 2014 ID card.• Those with HealthEquity for three yearswill receive a new 2014 ID card.• Anyone switching health coverage for2014 will receive a new medical ID card.A Closer Look at the Health SavingsAccount (HSA)An HSA offers some key advantages, like:4 You can save. You decide how much, and youcan set aside money on a before-tax basisduring the year.4 GD saves with you – If you choose a plan thatGD “seeds,” the company will put money inthe HSA for you.4 You never pay taxes on the money you andGD contribute, when it goes into your accountor when you use it for eligible expenses.4 It can grow. If your HSA balance reaches$1,000, you can choose to invest the fundsand help it grow, tax-free!4 It’s your money. Money left in your accountrolls over to pay for health care today or in thefuture, even if you leave GD.4 New with Fidelity: If you are enrolled ina PHAP Enhanced plan and do not wish tocontribute to your HSA but receive only thecompany “seed”, select “Health SavingsAccount” on the HSA screen and leave $0.00in the box. If you wish to contribute to yourHSA AND receive the company “seed,” enterthe annual amount you wish to contribute inthe box and you will receive both.2014 BENEFITS ENROLLMENT 3

Know Your Numbers and Earn RewardsTo understand your current health status and decrease potential health risks, you are encouraged totake the Health Risk Assessment (HRA) and biometric screening by December 5, 2013.The HRA is a voluntary, confidential online questionnaire. It will ask you a series of lifestyle and healthhistory questions to assess your current health risks. Taking the HRA will save you $500 on yourannual premiums for medical coverage in 2014.To complete the HRA, you’ll need biometric data such as:• Height• Weight• Waist circumference• Cholesterol• Blood pressureNote: If you switch insurance carriers, you will have until January 31, 2014 to complete yourHRA to get the $500 reduction in medical premiums.To complete the HRA and enter your biometric data, you’ll need to access your plan’s website:Plan Provider:Go to:Blue Cross and Blue Shield ofAlabamabehealthy.com and sign inCignamycigna.com and sign inKaiser Permanente(except Hawaii)my.kp.org/generaldynamics and click on the Health andWellness tab. Then click on Maximize Your Health, thenTotal Health Assessment, then Health Media SucceedUnited Healthcaremyuhc.com, sign in, and click on Health Assessment onthe home pageAetna International,Kaiser Hawaii, HMSA HMO,HMSA PPOMay not have an HRA available, so are not required tocomplete an HRA to reduce medical premiumsThe HRA is completely confidential. No one at GD will ever see your individual results. Onlyaggregate data is shared with the company so GD can offer programs and resources to improvethe health of our employees and their family members. The health plans will alert GD upon thesuccessful completion of your HRA.42014 BENEFITS ENROLLMENT

Spousal Surcharge —A Closer LookGeneral Dynamics permits you to enroll yourspouse/same-sex spouse/ same-sex partner inmedical benefits. Employees who choose tocover a spouse or partner who has coverageavailable through their own employer will pay asurcharge to help compensate for the additionalcoverage. The cost is an additional $19 per weekfor their coverage. If they do not have access tocoverage available through another employer, youmust attest during each Annual Enrollment. TheSpousal Surcharge is automatic, unless youattest your spouse/domestic partner doesnot have access to medical coverage throughanother employer.Review Your Income ProtectionBenefits This Annual EnrollmentDuring Annual Enrollment, you have theopportunity to review and make changes toyour income protection benefits, includingSupplemental Life Insurance, Accidental Death& Dismemberment (AD&D) Insurance, andSpouse and Child Life Insurance Plans. Evidenceof Insurability (EOI) is required for increases to,or enrollment in, the supplemental and spouselife plans. If you make changes requiring EOI,you can complete EOI online or Aetna will sendyou a letter and form to complete. You have 35days from the date of your letter from Aetnato complete and return the EOI form. (It mustbe postmarked by the 35 th day.) Child life andAD&D plans do not require EOI.Get Ready to EnrollYou need to make an active election for somebenefits in 2014:• Health Savings Account – to make tax-freecontributions in an HSA in 2014, you need tomake an election during Annual Enrollment.• Health Care FSA – to participate in 2014, youmust enroll/re-enroll during Annual Enrollment.• Dependent Care FSA – to participate in2014, you must enroll/re-enroll during AnnualEnrollment.• MetLife MetLaw ® Legal Services Plan –2013 elections do not roll over to 2014.If you do nothing…your 2013 electionswill remain in place for 2014, with theexception of the items noted above.Your Enrollment ResourcesReview the guide on page 8 for instructions onhow to enroll in benefits.2014 Annual Enrollment isNovember 19 – December 5.Don’t forget to review your elections andtake action on www.gdbenefits.comNovember19DECEMBER52014 BENEFITS ENROLLMENT 5

Premiums for 2014The following tables provide you with the basic bi-weekly rates for medical, dental, and vision coverage in2014. Please note however:• These premiums are for those who complete a Health Risk Assessment, reducing annual costsby $500. You must complete your HRA (including biometrics) by December 5, 2013 in order to receivethis benefit.• These premiums assume you do not have a spouse/same-sex spouse/same-sex partner whohas access to medical coverage from another employer. If you do, and you choose coverage for yourspouse with GDAIS, you will also pay the “spousal surcharge” of $988/year described earlier in thisbrochure.MedicalEmployeeOnlyEmployee +SpouseEmployee +ChildrenFamilyAIS Full-TimeCigna or UHC Personal Health Acct E $63.56 $142.65 $142.65 $203.28Cigna or UHC Personal Health AcctNon-Seeded E$45.80 $115.12 $115.12 $164.04Cigna or UHC Personal Health Acct S $45.80 $115.12 $115.12 $164.04Simplifi Out-of-Area Indemnity $62.13 $139.79 $139.79 $205.80Health Plan Hawaii Plus HMO $33.10 $114.81 $114.81 $167.55Health Plan Hawaii Plus PPO $33.10 $139.68 $139.68 $202.88Aetna Global Medical $71.58 $158.69 $158.69 $232.74Kaiser CA (Northern) Personal Health Acct E $50.45 $134.76 $134.76 $192.03Kaiser CA (Northern) Personal Health Acct S $31.42 $105.28 $105.28 $150.02Kaiser CA (Southern) Personal Health Acct E $39.76 $79.52 $79.52 $113.32Kaiser CA (Southern) Personal Health Acct S $21.61 $61.46 $61.46 $95.32Kaiser CO Personal Health Acct E $39.76 $79.52 $79.52 $113.32Kaiser CO Personal Health Acct S $21.61 $61.46 $61.46 $95.32Kaiser HMO HI $33.10 $131.16 $131.16 $191.40Kaiser Mid Atlantic Personal Health Acct E $39.76 $79.52 $79.52 $113.32Kaiser Mid Atlantic Personal Health Acct S $21.61 $61.46 $61.46 $95.3262014 BENEFITS ENROLLMENT

Dental Premiums for 2014DentalEmployeeOnlyEmployee +SpouseEmployee +ChildrenFamilyAIS Full TimeDelta Preferred Plus $7.59 $15.18 $15.18 $21.64Aetna Dental $7.59 $15.18 $15.18 $21.64Vision Premiums for 2014VisionEmployeeOnlyEmployee +SpouseEmployee +ChildrenFamilyAIS Full TimeVision Service Plan $2.75 $5.50 $5.50 $7.832014 BENEFITS ENROLLMENT 7

Guide to OnlineEnrollmentGeneral Dynamics Health & Insurance BenefitsThis guide provides you with an overview of the online enrollment process to help you quicklyand easily enroll in or make changes to your Health & Insurance benefits, including the following:• Logging on to www.gdbenefits.com with your Fidelity username and password• Step-by-step enrollment instructions• Confirmation of your coverage• Any follow-up actions you may need to take to complete your enrollmentIf you have questions about plan eligibility, enrollment options, dependent information, or howto use www.gdbenefits.com, or if you need assistance with enrolling, please contact theGeneral Dynamics Service Center at 1-888-GD-BENEFITS (1‐888-432-3633). General DynamicsService Center representatives are available from 8:30 a.m. to midnight Eastern time, Mondaythrough Friday (except for New York Stock Exchange holidays). If you are calling from outside ofthe United States, dial the out-of-country access number followed by 617-563-3782.82014 BENEFITS ENROLLMENT

Getting Started: Establish Your Username and Password• Go to www.gdbenefits.com and select “Access Now” in the Employee Health & InsurancePlans box.• The login screen will appear. You will be asked to log in to the Fidelity site to access your Health& Insurance plans.If you do not have a Fidelityusername and password…click the “Register Now” link andfollow the online instructions.If you’ve already established aFidelity username and password foryour GD 401(k) account orother accounts at Fidelity…use that same information to accessyour Health & Insurance benefits.If you can’t remember yourusername and password…click the “Having trouble with yourusername or password?” link andfollow the online instructions.About YourUsernameand PasswordThe first time that you log in to the Fidelity site, you willneed to create a username and password.Username: Your Social Security number is your initial username.General Dynamics recommends that, after your initial login, youselect a different username that has 6 to 15 letters and/or digits.Password: Select a password that has 6 to 12 letters and/or digits.To protect your password in case you forget it, you will be asked toset up a security question.2014 BENEFITS ENROLLMENT 9

Enroll in Your Health & Insurance PlansWhen you are ready to enroll or make changes to your coverage, just follow these steps.1234567Go to www.gdbenefits.com and click “Access Now” in the Employee Health & Insurance Plans box.Log on with your username and password.Click “Get Started” to begin your enrollment or make changes to your coverage.Review information for your dependents.• If you will be adding eligible dependents to yourcoverage, click “Add/Update Dependents.” Whenselecting your health benefits coverage on yourBenefits Election page, you will also need to selectthe dependent(s) who should be added to each plan.• Enter the required information about yourdependents, and click “Update”Choose your coverage from the Benefits Election page.• Click “Review/Update” next toeach plan to view your optionsand costs. When selecting yourhealth benefits coverage, youwill also need to select thedependent(s) who should beadded to each plan.Please note: It is your responsibility to provideaccurate, complete, and up-to-date informationabout the dependents you wish to be considered foreligibility. If your dependent is age one or older, youmust provide a Social Security number at the time ofenrollment in order to enrollthat dependent in coverage.Click “Save Your Benefits” when you have finished. The elections listed after you click “Save YourBenefits” will be recorded as your coverage.Review your confirmation of coverage. A confirmation screen will display. You may print the pagefor your records.• If you have an email address on file, you will receivean e-mail notification that you’ve successfullycompleted your enrollment. (To provide or reviseyour personal e-mail address, click “E-Mail Settings”on the “Your Profile” page.) You will also receive aconfirmation statement in the mail.• Look for tools and resourcesat the top of each page. Forexample, you can use the “Find aProvider” tool, located at the topof the Medical section of yourBenefits Election page, to helpyou select your medical option.• If you don’t choose other options,you will be enrolled in the defaultcoverage shown on your BenefitsElection page.• Print your Confirmation of Enrollment Card. This cardapplies to medical coverage only. It should be usedfor informational purposes only, until your medicalcoverage ID card arrives from your carrier. Thesepermanent ID cards will be mailed to your address onrecord within two weeks.89Complete Evidence of Insurability (EOI), if required for the coverage you elect.• You will be prompted to complete EOI online after you complete your Health & Insurance Plans enrollment, ifit is required.• If you prefer not to complete EOI online, EOI materials will be mailed to your address on recordapproximately two to three weeks after you complete your enrollment. You must complete and return thematerials to the insurance company within the timeframe provided. If you do not return your EOI materialsby the deadline, you will receive the maximum coverage allowed under the Plan without EOI.Complete the Health Risk Assessment (HRA), if applicable for the coverage you elect.• If you elect an applicable medical plan, you will beprompted to complete the HRA on your health plan’swebsite.• Medical premium reductions, if applicable, willbe applied to your coverage once the health plancompletes an evaluation of your HRA and reports theresults to the General Dynamics Service Center.102014 BENEFITS ENROLLMENTACTIVE/LEAVE AIS ALL OTHERS