Benefits for your unique journey

What you need to know

BAE Systems benefits support you wherever you are in your journey. Annual Enrollment is your yearly—and only—chance to enroll in or make changes to your benefits, unless you experience a qualified life event, such as getting married or having a baby. Otherwise, the benefits you elect during Annual Enrollment will remain in effect throughout 2020.

Take a moment to consider your situation and needs—are your current benefits still the best fit for you? As a BAE Systems employee, you have a range of plans and programs to support you for the journey ahead.

If you’re covered by a Collective Bargaining Agreement (CBA), your benefits may vary from what’s described here. Please refer to your CBA for details about your benefits, including eligibility.

Your Annual Enrollment checklist

Here’s what you need to do between October 16 and October 30:

  • Explore this site to:
    • Learn what’s new and changing for 2020.
    • Find out more about your BAE Systems benefits.
    • Discover new benefits and current benefits you may not be taking full advantage of.
  • Then, go to BenefitsNavigator to:
    • Do the math on your medical coverage options to ensure you’re in the plan that’s right for you. The Medical Expense Estimator can help. Be sure to check if your rates have changed as rates will decrease for some employees.
    • If you enroll in Health Plus or Core Plus, consider enrolling in a Health Savings Account (HSA) or increasing your HSA contribution amount. If you’re already enrolled and do nothing, your contribution election from 2019 will carry over to 2020.
    • Enroll or re-enroll in a Health Care and/or Dependent Care Flexible Spending Account.
    • Review and, if necessary, update your life insurance coverage and beneficiaries.
    • Consider updating your 401(k) contribution rate and reviewing your investment strategy.
    • Print a copy of your enrollment confirmation, and keep it for your records.

Enrollment ends at 11:59 p.m. Central Time on Wednesday, October 30.

If you have questions or prefer to enroll by phone, call the BAE Systems Benefit Center at 1-888-900-4223, 8 a.m.–8 p.m. Eastern Time, Monday through Friday.

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What’s new and changing for 2020

Good news: In 2020, you’ll see few changes to your benefits. Here’s a complete look at what to expect in 2020.

You can now cover domestic partners and/or their child(ren)*

Starting January 1, 2020, same-sex and opposite-sex domestic partners and/or their child(ren) will be eligible for medical, dental, vision, life insurance, and other benefit plans and programs.

This change supports our commitment to a diverse and inclusive workplace where people of all backgrounds are respected and treated equally. It’s also another step in our overall diversity and inclusion journey to create a workplace where everyone feels they belong and can be their best.

If you would like to cover your domestic partner and/or his/her child(ren) for 2020, you may add them during the 2020 annual enrollment process. When you enroll, you will be prompted to submit supporting documentation that verifies their status as your domestic partner and/or child(ren), as applicable.

*TRICARE does not cover domestic partners/children.

Salary bands are changing

Employee contributions for medical insurance are based on salary ranges. Every few years, we review our salary bands based on changes at the company and in the market. Given the diverse roles of our workforce and salary distribution, the salary ranges for 2020 will reflect the following tiers:

  • Less than $50,000
  • $50,000–$75,000
  • Greater than $75,000

Depending on the medical plan you choose, whom you choose to cover, and which salary range you will be in for 2020, you may see an increase or a decrease in premiums next year. Visit BenefitsNavigator to view your costs for next year.

The Health Plus plan out-of-pocket maximums are changing

To align the Health Plus and the Core Plus plans, the out-of-pocket maximum in the Health Plus plan will be $3,750 (single coverage) and $7,500 (family coverage) in 2020.

More money to spend on eyeglass frames

The frame allowance for both vision plans will be higher:

  • VSP Choice: Increasing from $125 to $175
  • VSP EasyOptions: Increasing from $200 to $225

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Deadlines to keep in mind

Earning and submitting HSA wellness incentives in 2020

In order to receive wellness incentives in your Health Savings Account (HSA) for 2020, incentives must be processed by Cigna no later than the end of November 2020.

Keep in mind, it may take 3 to 4 weeks for Cigna to process your incentives, so the earlier you complete and submit your wellness incentives, the better.

Incentives not processed before the deadline will be credited toward your 2021 HSA (this is a change from our current practice). This will ensure we report accurate information on your W-2. Incentives under the Health Plus plan Health Reimbursement Account (HRA) can continue to be earned through the end of the year. 

Biometric screenings with annual physicals

In past years, biometric screenings completed on or after October 1 counted toward the current and next year’s biometric wellness incentive.

To promote well-being and encourage you to stay healthy every year, effective in 2020, biometric screenings and physicals will count toward incentives for one year only. This means that if you have a biometric screening and physical from October through December 2019, it will not count for 2020.

To earn your 2020 incentives, you will need to complete a biometric screening and physical in 2020.

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Benefits to support you now

New: Bright Horizons Back-up Care

School closing, a nanny canceling, or an elderly relative needing help can complicate your schedule. Having a reliable backup care plan can help minimize disruption at home and at work. Backup care through Bright Horizons is company-subsidized, so you only pay a small hourly fee when you need last-minute care for your loved ones. Learn more about this benefit and how to register.

Cigna medical plan members: Are you ready to get a better night’s sleep?

Sleepio can help you understand your sleep needs and take steps to improve it. Get started with Sleepio.

Thinking of buying PTO?

It’s important to fully understand how the PTO Buy program works before you decide if it makes sense for you. BAE Systems offers other time-off options that may better accommodate your needs.

Learn more

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Save even more in 2020

If you have a Health Savings Account (HSA), you can contribute even more in 2020. If you enroll or are enrolled in the Core Plus plan, here’s how the math works:

  Individual coverage Family coverage
Your 2020 maximum contribution Under age 55: $3,150
Age 55+: $4,150
Under age 55: $6,200
Age 55+: $7,200
Wellness Incentive Program awards $400 $800
2020 IRS maximum Under age 55: $3,550
Age 55+: $4,550
Under age 55: $7,000
Age 55+: $8,000

HSA contributions and earnings are not subject to federal taxes; however, a few states treat the contributions as taxable income. Those employees residing in California and New Jersey will have applicable state taxes withheld from their contributions each pay period. Employer wellness incentives to the HSA are also subject to state taxes in these two states.

Note: If you are married and your spouse is also enrolled in an HSA, your combined HSA contributions may not exceed IRS limits.

Increase in Health Care FSA contributions

You can contribute up to $2,700 a year (an increase from $2,650) to your Health Care Flexible Spending Account (FSA) in 2020. Plan carefully, as this is a use-it-or-lose-it account. You must use your FSA funds by December 31, and you have until April 30 of the following year to submit your claims for reimbursement. For example, 2019 expenses must be submitted by April 30, 2020.

Keep in mind: If you are enrolled in the Core Plus plan, Health Care FSA contributions may only be used for eligible dental and vision expenses.

Visit BenefitsNavigator during Annual Enrollment to view costs for all plan options available to you.

Visit BenefitsNavigator

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Get help choosing the right medical plan

Choosing the right medical plan for you and your family is the starting point for making good health decisions all year long.

The Medical Expense Estimator can help take the guesswork out of choosing a medical plan.

There are two ways to use the tool:

  • You can choose whether you expect to be a low, medium, or high user of health care in 2020; or
  • You can enter more detailed information, including the number of office visits, hospital stays, and prescriptions you expect to need in 2020.

You’ll get an estimate of your total 2020 medical costs, including your paycheck deductions plus what you may pay when you get care. You’ll also get an estimate for how much to save in a Health Savings Account (HSA) or a Health Care Flexible Spending Account (FSA).

Check out the Medical Expense Estimator beginning October 16.

Visit BenefitsNavigator

Three things to keep in mind about your medical coverage

If you enroll in a high-deductible health plan, you are responsible for paying the full cost of medications until you reach the annual deductible. Take a look at how the high-deductible health plan works.

If you enroll in or are currently enrolled in a high-deductible health plan, you have a powerful savings vehicle through the HSA. With an HSA, you can pay for eligible medical, dental, vision, and prescription drug expenses with tax-free dollars. You can also use your HSA dollars to pay Long-Term Care premiums and expenses. Learn more about all the ways you win when you contribute to an HSA.

Get personalized guidance on a medical treatment with expert second opinions through Advance Medical. A Physician Case Manager will assign a team of expert physicians to review your medical records and help you determine the best treatment plan. The service is available to all employees and family members, regardless of health plan coverage.

Tip: To help estimate your total costs, refer to your claims history on Don’t forget to add in any potential dental and vision expenses.

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Access your benefits from anywhere

Get 24/7 access to your benefits. Visit the Mobile apps page to download apps for your benefits. Here are just a few apps to check out today:

The myCigna app makes it easy to view your medical ID card, claims, account balances, search for a provider, and more.

Cigna members: Save time and money by connecting with a board-certified doctor from Amwell or MDLIVE, anywhere, anytime, via a secure video from your laptop or mobile device. Once you reach your deductible, you pay only the applicable coinsurance on a per-visit charge.

View and refill your prescriptions, track their status, see your prescription history, and more with the CVS Caremark app.

Ready to enroll? Download UPoint Mobile HR to enroll in or make changes to your benefits from wherever you are.

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Convenient options make it easier to enroll

No more waiting on hold. During busy times when the wait is longer than two minutes to speak with a BAE Systems Benefit Center representative, you can select a virtual hold via phone. With virtual hold, your place is held in the queue, and someone will call you back so you don’t have to spend your valuable time waiting on hold.

Call the BAE Systems Benefit Center at 1-888-900-4223, 8 a.m.–8 p.m. Eastern Time, Monday through Friday.

Schedule an enrollment appointment with a benefits service representative. Speak with someone when it’s convenient for you. Click on the Annual Enrollment tile on BenefitsNavigator, select the appointment you’d like to book, and a representative will call you at your scheduled time. Appointments last 15 minutes and can be done via a mobile device, desktop, or laptop. Appointment availability is as follows:

  • You may begin scheduling appointments on October 16, with the first appointments starting October 17.
  • Scheduling and appointments will end October 29.
  • No appointments are scheduled during the first or last hour the Center is open (8–9 a.m. and 7–8 p.m. Eastern Time).
  • No appointments are scheduled on Mondays.
  • No appointments are scheduled during lunch hours, 12–2 p.m. Eastern Time.

Speak with a benefits representative with just one click. When you visit BenefitsNavigator, simply click on “We can call you” when you have a question and need to speak with someone. Choose the topic your question aligns to from the drop-down box, and select a good time for a representative to call you. Or you can choose “Call me soon” if you need assistance quickly. Enter your phone number, and a representative will call to assist you.

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Take action by October 30, 2019

If you don’t take action, your current coverage will continue, but you’ll be missing out on:

  • Contributing to Health Care Flexible Spending Account (Health Care FSA)
  • Dependent Care Flexible Spending Account (Dependent Care FSA)
  • Changing your HSA contribution (If you’re already enrolled and do nothing, your contribution election from 2019 will carry over to 2020)

Plus, you lose the opportunity to possibly switch to a medical plan that better fits your personal needs—and your wallet.

You won’t have another opportunity to enroll in or make changes to your benefits until the next Annual Enrollment period in fall 2020, unless you experience a qualified life event.

If you no longer want to be enrolled in a plan, including MetLaw through Hyatt Legal Plans, you must take action during Annual Enrollment.

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Enrolling and benefits information

BAE Systems Benefit Center

8 a.m.–8 p.m. Eastern Time, Monday through Friday

+1-718-354-1341 (outside the U.S.)