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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 nationally recommended services.

Deductible

For non-preventive care, you must satisfy your plan year deductible.  The deductible is the amount you pay out of pocket before the plan begins to pay benefits. Preventive care isn't subject to the deductible.

• Plan 1 - High Premium/Low Deductible Plan, there is a separate deductible for prescription drugs.
• Plan 2 - Medium Premium/Medium Deductible
• Plan 3 - Low Premium/High Deductible Plan
• Plan 4- Medium Premium/Medium Deductible Utah Extended Network Plan, one deductible applies to both medical and prescription drug expenses.

Coinsurance

You pay coinsurance for covered services. You're covered 100% in-network if and when you meet your out-of-pocket maximum.

Anthem Blue Cross Global Core

The Anthem Blue Cross Global Core Program gives enrolled employees benefits when they travel outside of the U.S. Participants have access to doctors and hospitals in nearly 190 countries and territories around the world. Access the international claim form.

View the Annual Enrollment Guide for detailed information about the coverage available under each Anthem plan.

Transparency in Coverage Machine Readable File

• For the Northrop Grumman Health Plan you will need to enter 80-0640649 for the 9 digit EIN.

Prescription Drug Coverage

CVS Caremark is the administrator of the prescription drug benefit in 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.

For more information:

• CVS/Caremark Specialty Pharmacy Brochure
• Specialty Guideline Management (SGM) Therapy and Drug Overview

Biosimilars Medications

Biosimilars medications are highly similar to biologics and have no clinically meaningful difference as compared to their reference biologic. To learn more about these medications view the brochure. 

Sunnyvale and Baltimore represented employees are eligible to choose between a Premium Plan and Value Plan. For detailed information, refer to the Summary of Benefits and Coverage:

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

To learn about plan changes and election options during annual enrollment, view the Annual Enrollment Guide.

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 plan options are offered through Kaiser. Their availability varies depending on your location. Review the plan's summary of benefits coverage applicable to your area for details on plan coverage.

Kaiser Health Savings Account (HSA) Plans

Kaiser medical plan options include Kaiser Northern California HSA Plan, Kaiser Southern California HSA Plan, and Kaiser Mid-Atlantic HSA Plan. Because these plans qualify as high-deductible health plans HDHPs, they're 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 Summary of Benefits Coverage (SBC) page to review details on plan coverage or visit NetBenefits for plan details.

Prescription Drug Coverage

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

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 a more affordable prescription.

To get started, activate your account. You can view a testimonial from one of our own RxSS members, John.

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. This will allow you to receive treatment at the closest in-network facility available. Contact Quantum Health at 800-894-4194 to learn more.

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 with proof of other international medical coverage or proof of TRICARE coverage.

The plan offers coverage outside the U.S., inside the U.S. through an in-network provider or facility and inside the U.S. through an out-of-network provider or facility

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.

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.