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What's Staying the Same |
What's New or Changing |
| Medical |
- What's covered by the plan
- Free in-network routine preventive care
- Type of plans - all are Preferred Provider Organizations (PPOs)
- Medical claims administrator and networks
- How you use the plan - either in-network or out-of-network providers
- You pay less when you stay in-network
- The Health Reimbursement Arrangement (HRA) is available
- An HMO may be available at your location
|
- Four medical plan options; some with lower payroll contributions
- All plans have a deductible, but it doesn't apply to all services
- Costs depend on what kind of services you receive and where
- Lower out-of-pocket maximums
- Health Savings Account (HSA) that gives you tax-free benefits
- $1,500 from Alcoa if you cover two or more people in the HRA
|
Prescription
Drug |
- Choice between generic and brand name drugs
- CVS/Caremark is the pharmacy benefits manager
- Prior Authorization, Step Therapy, Managed Drug Limits apply
|
- Free generic drugs by mail
- Your prescription may be filled with generic if one is available. You or your doctor can request the brand, but you'll pay more.
- For maintenance drugs, you'll pay less by using mail order
- Higher per-prescription maximums
|
| Dental |
- United Concordia is the claims administrator
- Network stays the same
|
- No more two-year enrollment - you can enroll each year
- Dental implants will be covered under the Comprehensive plan
|
| Vision |
- Davis Vision is the claims administrator
- Network stays the same
|
No more two-year enrollment - you can enroll each year
|
Other
Benefits |
No changes to:
- Life insurance coverage
- Accidental death & dismemberment (AD&D) insurance
- Disability coverage
|
- Company-paid retiree life insurance is not available if you retire on or after April 1, 2008
- Employee and spouse life insurance prices are now based on the insured person's age as of December 31 of the plan year
|
| Ways to Save |
Health Care Fund and Dependent
Care flexible spending accounts are available
|
- You can contribute up to $5,000 in your Health Care Fund flexible spending account
- $200 in credits for completing a Health Questionnaire
- Non-tobacco user credit is no longer available
|
Who's Eligible
for Coverage |
- You
- Your spouse
- Your unmarried children
|
Your domestic partner
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