Your medical plan is an important part of your Total Rewards. Northrop Grumman offers medical plan options in two distinct structures, designed to support different healthcare needs, preferences, and budgets.
While both provide comprehensive medical coverage, how you pay when you receive care differs depending on the option you choose.
Understanding how each option works can help you make an informed decision about the coverage that’s right for you and your family.
Common Terms to Know
These terms can help you better understand how the options work and what you may pay.
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Copay |
Coinsurance |
Deductible |
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A predetermined amount you pay for a covered healthcare service. Depending on the service and provider you choose, different copays may apply. |
The percentage of the negotiated cost you pay after you meet your deductible. |
The amount you pay out of pocket for eligible healthcare services before the plan begins to share most of the cost. Preventive care isn’t subject to the deductible and is covered at 100%. |
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Out-of-pocket maximum |
Premium |
Negotiated Cost |
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The most you pay for eligible covered healthcare services during the plan year. Once you reach this amount, the plan pays 100% of the eligible covered healthcare costs for the remainder of the plan year. |
The amount you pay from your paycheck for medical coverage. You pay your premium regardless of whether you use healthcare services. |
The discounted rate that the medical plan has arranged with in-network providers. You typically pay a portion of this negotiated cost, not the provider’s full billed charge. |
Understanding Different Medical Plan Structures
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Deductible Options |
Copay Option |
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How it works |
You generally pay the plan’s negotiated or allowed cost for non-preventive or diagnostic care until you meet your deductible. Once you meet your deductible, you and the plan share the cost through coinsurance. |
You pay a predetermined copay for covered healthcare services. There is no deductible or coinsurance. |
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What you pay for care |
Deductible → Coinsurance You pay the full negotiated cost until you meet your deductible, then you and the plan share costs. |
Copay You pay a set amount for each covered service (e.g., office visit, specialist visit, urgent care). |
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Premiums |
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Can costs vary? |
Yes Your cost depends on the negotiated cost of the services and where you are in meeting your deductible. |
Yes Your copay may vary based on the service and provider you choose, but you’ll know your applicable cost before receiving care. |
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Preventive care |
Covered at 100% Preventive care isn’t subject to the deductible. |
Covered at 100% |
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Out-of-pocket maximum |
Yes Limits how much you pay in a plan year. |
Yes Limits how much you pay in a plan year. |
Choosing the Plan Option That’s Right for You
There’s no single medical plan option that’s right for everyone.
Medical plan options balance costs differently. Some options may have you pay less from your paycheck and more when you receive care, while others may have higher paycheck contributions in exchange for lower or more predictable costs when you use healthcare. Consider the whole picture – not just what comes out of your paycheck.
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Your healthcare needs |
The providers you prefer |
Prescription drug needs |
Your overall costs |
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Think about how often you and your covered family members expect to use care. |
Consider the doctors, hospitals, and facilities you want to use. |
Review how your medications may be covered under each option. |
Look at both your payroll contributions and what you may pay when you receive care, including the out-of-pocket maximum. |
Visit the Summaries of Benefits and Coverage (SBCs) page to view the different Northrop Grumman Medical Plan details before making your enrollment decision.
The Company, as a matter of plan design, offers multiple medical plan options so employees may select the option that best fits their individual circumstances. The presentation, order, labeling, or description of any option is not intended to recommend one option over another, to predict which option will be least costly for you, or to suggest that you should enroll in a particular option or another. In selecting an option, you should consider your own financial circumstances, risk tolerance, anticipated health care utilization for yourself and your family, and other personal circumstances.
Check out our video on Medical Benefits (approx. 7 min)
View the full video series
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
Plan 4 is available only to employees located in Utah and follows the Plan 2 design, with access to both the Anthem and Intermountain Health networks.
Key Features
Fidelity's Decision Support
Choosing a medical plan doesn’t have to feel complicated. Fidelity’s Decision Support experience helps you compare your Northrop Grumman Anthem medical plan options and make a more informed choice based on what matters to you and your family.
Rather than comparing premiums, deductibles, copays, and other plan features on your own, Decision Support brings information together in one place to help you better understand your options.
Personalized Guidance for Your Healthcare Decisions
Everyone uses healthcare differently. Decision Support guides you through questions about your healthcare needs and preferences and uses your responses, along with details about the Anthem medical plan options available to you, to provide a customized comparison of your options.
The tool can help you consider factors such as:
- Your expected healthcare needs
- The needs of family members you plan to cover
- What you’ll pay from your paycheck for coverage
- What you may pay when you receive care
- Differences in how the medical plans work
- Your overall potential healthcare costs
If you have available healthcare claims history, you can choose to use that information as part of your Decision Support experience. If you decide to opt in, Decision Support can consider your available claims history along with the answers you provide to create an even more personalized view of your Anthem medical plan options.
Based on the information you provide, you’ll receive tailored information to help you understand which options may be a good fit – but the choice is always yours.
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.
The Anthem Coupe Copay Plan*offers a different way to experience and pay for healthcare. Instead of meeting a deductible and then paying coinsurance, you pay copays for covered healthcare services. There is no deductible or coinsurance.
Coupe’s digital tools help you find in-network care and compare copays, with high-quality, high-value providers often having lower copays. This gives you greater visibility into what you’ll pay and helps you make informed decisions about where to receive care.
*The copay option features higher premiums but provides flat-dollar copayments for covered in-network services instead of percentage-based coinsurance. Because it does not have a deductible, it may appeal to participants who value more predictable out-of-pocket costs at the time of care rather than a lower-premium option that requires them to meet a deductible before the plan begins sharing costs for many services. Depending on your healthcare usage, the copay option may cost you more overall (your premiums plus your copayments) than an option with lower premiums.
Starting Jan. 1, 2027, prescription drug benefits will be administered by Express Scripts for Medical Plans administered by Anthem. You’ll receive a separate ID card from Express Scripts for your prescription drug coverage.
Prescription drug coverage helps make the medications you and your family need more accessible and affordable.
A More Transparent Approach to Prescription Drug Costs
Express Scripts uses a transparent pricing model designed to make it easier to understand the cost of your medications.
When you fill a covered prescription, the cost is based on what the pharmacy pays for the medication, plus an applicable dispensing fee.
This approach provides greater visibility into the actual cost of medications and helps create a more straightforward connection between the cost of the drug and what you pay.
More Choice in Where You Fill Your Prescriptions
Express Scripts also gives you greater flexibility in where you receive your medications.
Rather than being limited to one pharmacy chain, you’ll have access to a broader network of participating pharmacies, giving you more options to choose a pharmacy that works for you.
Depending on your location and prescription needs, this may include a variety of national, regional, and independent participating pharmacies.
Whether convenience means a pharmacy close to home, near work, or one you prefer, this expanded network gives you more flexibility when filling your prescriptions.
Understanding Your Pharmacy Cost
The Express Scripts app can help you:
- Find participating pharmacies near you
- Compare pharmacy options
- Look up covered medications
- Review your expected prescription cost
- Explore options that may help you save money
Because medication prices and pharmacy options can vary, checking your prescription before filling it can help you better understand your choices.
Additional information about the pharmacy network, covered medications, home delivery, specialty medications, and other prescription drug resources is available through Express Scripts.
Prescription Savings through Rx Savings Solution
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.
Conclusion of CVS Vendor Relationship Effective December 31, 2026
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.
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.
LiveHealth Online provides you and your family members convenient access to high-quality healthcare with a board-certified provider in the comfort of your home by using a smartphone, tablet or computer with a webcam.
*New* Online Primary Care is just like in-person primary care, you can select your primary care provider and see them consistently for all your health care needs, including when you are unwell, for regular check-ups, preventive care, ongoing condition management, annual wellness visits and referrals for lab work, imaging and specialist care.
Additional Telemedicine Services
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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.
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Behavioral health services allow you and your family members to virtually visit with a board-certified professional psychologist, therapist or psychiatrist.
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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 $55 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:
- Available at no cost to Anthem members
- Non-Anthem members: $85 Therapy, $100 Psychology, $185 Initial Psychiatry Visits, $85 for Follow-up visits
Dermatology Services: costs vary depending on your Medical Plan and type of service.