2008-2009 Annual Enrollment Guide - Benefits Online


2008-2009 Annual Enrollment Guide - Benefits Online

What’s New for 20082009

Here’s a summary of what’s changing for the 20082009 plan year. Please refer to the preenrollment

package you received last month for more information, or go to Benefits OnLine at


■ ■ New carrier for Premium and Preferred PPOs. Anthem Blue Cross will replace Blue Cross

Blue Shield of Illinois as the carrier for the Premium and Preferred PPOs. You will receive a new

medical ID card from Anthem before July 1, 2008.

■■ Prior authorization requirement for home infusion therapy under Premium and

Preferred PPOs. As part of the change to Anthem, prior authorization (also referred to as utilization

management, or UM, by Anthem) for home infusion therapy will be required effective July 1, 2008.

For more information, please visit Anthem’s Web site at www.anthem.com/ca.

■ ■ Medical plan contributions. Starting July 1, Northrop Grumman will no longer fully subsidize

options to the extent they are more costly than the Preferred PPO. You will pay 100% of the cost in

excess of the Preferred PPO.

■ ■ New prescription drug policies under PPO and EPO options. Several changes designed

to encourage the use of generic drugs and the mail-order service will apply to prescription drug

benefits under the PPOs and the EPO.

■ ■

Reduced lifetime maximum for infertility treatment under the PPO and EPO options.

The lifetime maximum for infertility treatment — meaning the total amount the plan options pay for

covered infertility services over your lifetime — under the PPO and EPO plan options will be reduced

to $12,500 (from the current maximum of $25,000).

■ ■ Access nurse lines through your medical plan carrier. Starting July 1, 2008, the Nurse

Advice Line through Carewise will no longer be available. Most carriers in the Northrop Grumman

Health Plan offer a nurse line service. To reach your carrier’s nurse line, please contact your carrier.

Contact information is located at Benefits OnLine (http://benefits.northropgrumman.com).

■■ Reduced Dependent Day Care Flexible Spending Account (FSA) contribution limit

for highly compensated employees. If you earn $100,000 or more in 2008, your annual

contribution limit to the Dependent Day Care FSA will be reduced to $2,500 effective July 1, 2008

in order to comply with Internal Revenue Code policies. If you earn $100,000 or more in 2008 and

currently contribute more than $2,500 to the Dependent Day Care FSA, your Dependent Day Care

FSA contribution election will automatically default to $2,500 for the next plan year, unless you elect

a lower amount or no FSA coverage during enrollment.

Reminder: Your FSA and Automatic Claims Submission Elections Will Carry Over

If you are enrolled in a Flexible Spending Account (FSA), your current contribution amount

and your Automatic Claims Submission (ACS) election will automatically apply in the new

plan year unless you actively elect otherwise during enrollment. Even if you are not planning

to make any other changes at enrollment, be sure to review your FSA current contribution

amount carefully and make any necessary changes during enrollment. If you are currently

participating in the Health Care FSA, keep in mind that you have until September 15, 2008,

to use the money in your account and until December 31, 2008, to submit claims.

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