Medical/Rx

The medical plan options offered by Northrop Grumman are designed to help you and your family operate at your best.

When you choose a medical plan, it’s important to consider your current and future medical needs, whether to choose a higher or lower deductible and premium and which plan offers you the best value. Visit the Summaries of Benefits and Coverage (SBCs) page to view the different Northrop Grumman Medical Plan details.

Below are some helpful terms for you to be familiar with:

Deductible

For non-preventive or diagnostic care, you must satisfy your plan year deductible. The deductible is the amount you pay out-of-pocket before the plan begins to share the cost. Preventive care isn’t subject to the deductible and is covered at 100%.

Coinsurance

Once the deductible has been met, the plan begins to contribute a percentage towards health care services you receive, which is known as coinsurance. 

Out-of-Pocket Maximum

If you reach the out-of-pocket maximum in a plan year, the plan will pay 100% of your eligible health care costs for the remainder of the plan year.

You can view your elections on NetBenefits.

Check out our video on Medical Benefits (approx. 7 min)

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The following Anthem plans are available to most employees.

Plan 1 - High Premium/Low Deductible Plan

Plan 2 - Medium Premium/Medium Deductible Plan

Plan 3 - Low Premium/High Deductible Plan

Plan 4 - Medium Premium/Medium Deductible Utah Extended Network Plan

 

Key Features

Preventive Care

You’re covered 100% for preventive care services and immunizations.  Be sure you understand how to and talk to your provider about exams, tests and immunizations that are right for you.

Travel Benefits for In-Network Service

Anthem Medical Plans include travel benefits to enable you and/or your covered dependents to access in-network services if you can’t access them in your immediate area. If an in-network provider isn’t available within 100 miles of your home, Northrop Grumman will cover up to a lifetime maximum of $5,000 in travel costs, including airfare, lodging and meals (up to $50 per day) as specified in the SPD. This will allow you to receive treatment at the closest in-network facility available. Contact Quantum Health at 800-894-4194 to learn more.

Anthem Blue Cross Global Core

The Anthem Blue Cross Global Core Program gives enrolled employees benefits when they travel outside of the U.S. Members have access to doctors and hospitals in nearly 190 countries and territories around the world. If you incur expenses while traveling internationally and would like to receive reimbursement, please access and complete the international claim form.

Machine Readable Files

Anthem has posted information and data related to in-network pricing in the form of Machine Readable Files.  Once you’re on the site, you’ll have the ability to search by Name or EIN.

CVS Caremark is the administrator of the prescription drug benefit for Medical Plans administered by Anthem. You’ll receive a separate ID card from CVS Caremark for your prescription drug coverage.

The Anthem plan options are subject to the following prescription drug program provisions:

Step Therapy

CVS Caremark Step Therapy is a program to promote the use of lower cost, but equally effective generic drugs before you "step up" to higher cost brand name drugs. Step therapy programs will change as they’re added and deleted by CVS Caremark.

Generics Preferred

Under the Generics Preferred program, prescriptions will automatically be filled with a chemically equivalent generic drug, if available and appropriate. Log in to CVS Caremark to view the current preferred drug list.

Maintenance Medications

Members must obtain a 90-day supply of maintenance prescription drugs used to treat an ongoing medical condition through CVS Caremark mail order service or from a CVS Pharmacy. You’re limited to one initial fill, plus one refill, for long-term prescriptions filled at a retail pharmacy. Log in to CVS Caremark to view the current list of maintenance medications.

CVS Caremark Specialty Pharmacy

The CVS Caremark Specialty Pharmacy helps patients manage many complex health conditions such as asthma, hepatitis C, multiple sclerosis and rheumatoid arthritis. After one retail fill, these prescriptions must be filled through the CVS Caremark Specialty Pharmacy.

Learn more about the services through CVS Caremark Specialty Pharmacy and view the Specialty Guideline Management (SGM) program that’s helping to promote patient safety and appropriate utilization of specialty medication.

Biosimilars Medications

Biosimilars medications are highly similar to biologics and have no clinically meaningful difference as compared to their reference biologic. Learn more about Biosimilar medications.

Prescription savings through Rx Savings Solutions

Rx Savings Solutions (RxSS) can help Anthem members and covered family members lower prescription drug costs by:

  • Reviewing the medications you take and finding options that may save you money.
  • Comparing prices among different types of medications.
  • Helping you switch to a more affordable prescription.

To get started, activate your account to learn how much you can save on your prescriptions. You can also view a testimonial from one of our own RxSS members, John.

Sunnyvale and Baltimore represented employees are eligible for the following plans.  Visit the Summary of Benefits and Coverage (SBC) page for detailed information.

  • Sunnyvale: Premium Health Plan and Value Health Plan
  • Baltimore: Premium Plus Plan, Premium Plan and Value Health Plan

Credit for Baltimore Represented Employees who do not use tobacco Baltimore represented employees who attest that they and their covered family members don't not use tobacco will receive a $15 credit per month towards their required contribution for medical plan coverage.

  • You must attest that you and your covered dependents don't use tobacco products to be eligible for the credit.*
  • The credit is only available to employees enrolled in an eligible Northrop Grumman Health Plan medical option.** If you're enrolled in an ineligible medical plan option or elect “No coverage,” you're not eligible.
  • The credit will reduce your medical payroll deductions – it isn't a cash payment and will not appear as a separate line item on your paystub.
  • If you don't complete the Tobacco Usage Attestation for yourself and your covered dependents, you'll be defaulted to tobacco usage status and will not receive the credit*.
  • If you attest to being tobacco free after your initial enrollment period has ended, (outside 31 days of your hire date or date of Logon letter), the non-tobacco credit will be applied as soon as administratively possible on a prospective (future) basis.

* In some cases, engaging in a tobacco-cessation program may make you eligible for the credit.
**The credit does not apply to the TRICARE Supplement.

Health Maintenance Organization (HMO) Plans

HMO plans are offered through Kaiser Permanente. Their availability varies depending on where you live. Review the plan's Summaries of Benefits and Coverage (SBC)  applicable to your area for details on plan coverage. Learn more about Kaiser Permanente services and programs.

Health Savings Account (HSA) Plans

Kaiser Permanente offers High Deductible Health Plans (HDHP) depending on the area you live. These plans are HSA-eligible – meaning you can establish and contribute to an HSA as long as you have no other disqualifying coverage. An HSA has significant short- and long-term tax advantages to help with medical expenses now and in the future. Visit the Summaries of Benefits and Coverage (SBC) page to review details on plans available in your area.

Prescription Drug Coverage

Prescription drug benefits are offered through Kaiser Permanente. Visit the Summary of Benefits and Coverage (SBC) page for information on the prescription drug coverage included with your plan.

To ensure employees working overseas have adequate health insurance, Cigna Global Medical coverage is mandatory for all expatriates and their covered dependents. Depending on the assignment, expatriates may opt out of Cigna Global Medical by providing proof of other international medical coverage of TRICARE coverage to the NGBC.

Review our Benefits Briefing and Frequently Asked Questions to understand how your benefits may be impacted if you are on an overseas assignment.

View the Cigna Global Summary of Benefits for information about medical and prescription drug coverage. The Cigna Global plan offers coverage inside and outside the U.S.

Use Global Telehealth through the Global Wellbeing App to speak with a doctor quickly. Appointments are usually scheduled for the same day and are available 24 hours from anywhere in the world.

Telemedicine through LiveHealth Online allows you and your family members to visit with a board-certified doctor in the comfort of your home by using a smartphone, tablet or computer with a webcam.

Medical services are available for non-urgent services like pinkeye, a cold, the flu, a fever, rashes, infections, allergies or other common health conditions. No appointments, no driving and no waiting at an urgent care center. Doctors are available 24/7 and, if needed, they can send a prescription to your local pharmacy. Free lactation support is also available.

Behavioral health services allow you and your family members to virtually visit with a board-certified professional psychologist, therapist or psychiatrist.  

Dermatologists are also available by appointment seven days a week. Consultants are also available to discuss your concerns and provide personalized advice.

Pricing for Services:
You can use LiveHealth Online regardless of whether or not you’re enrolled in a Northrop Grumman Medical Plan. 

Medical Health Services:

  • Anthem members pay $10 per visit.
  • All other employees pay $59 per visit.
  • Kaiser Permanente members can access telemedicine video visits at no additional charge. 
  • Cigna Global members can access Global Telehealth through the Global Wellbeing App.

Behavioral Health Services: 

  • New! Anthem members pay $10 per visit (regardless of your deductible) beginning Jan. 1, 2025
  • For all other employees, costs vary based on the type of service and your medical plan.

Dermatology Services: costs vary depending on your Medical Plan and type of service.