What you need to know
At BAE Systems, we welcome and celebrate the diversity and individuality of our employees. Now more than ever, during these challenging times, we are dedicated to providing benefits to help build your resilience.
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.
Grow your family your way
BAE Systems prides itself on being a family-friendly company. We believe in supporting our people and their families by offering benefits to all employees (such as Paid Parental Leave), encouraging work-life balance, and providing care options for loved ones.
In 2021, all employees are eligible to receive reimbursement of up to $30,000* for surrogacy or adoption.
For those enrolled in a Cigna national medical plan, WINFertility can help you build your family in a way that works best for you. WINFertility works with some of the nation’s leading reproductive endocrinologists and pharmacy benefit managers to deliver effective treatment and options to build your family. WINFertility will provide:
- Nurse support to help you choose from a list of available providers and analyze your treatment options.
- Up to $20,000* toward fertility medical treatment, along with corresponding prescription drugs, for a total benefit of up to $30,000.*
- Complete fertility management, from medical treatment, pharmacy, and genetics, to surrogacy and adoption.
For more information, visit WINFertility or call 1-855-620-0989.
* These benefit amounts are lifetime limits.
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Medical Plan updates
Use a Center of Excellence for certain surgical procedures
Keep in mind that some hospitals specialize in specific care and procedures, and it’s important to go to the right place to get the care you need. If you’re enrolled in a Cigna national medical plan and need surgery, such as bariatric, joint replacement, or cardiovascular surgery, be sure to use a Center of Excellence. Cigna representatives will help you research your options.
Prescription drug coverage for maintenance medications
In 2021, Cigna national medical plan members will need to fill all maintenance medications (90-day supplies) at a CVS Pharmacy or through mail order to minimize the cost. This is an important change that affects the medications you may take regularly, such as high blood pressure or diabetes medications.
If you fill these prescriptions anywhere else or in 30-day-supply increments, they will no longer be covered, and you’ll pay 100% of the cost. Visit info.caremark.com/baesystems to find a CVS Pharmacy near you or to get started with mail-order delivery.
Wellness Incentive Program changes
When you make your health a priority, you build your resilience and invest in your future. With that in mind, we are evolving our wellness program to focus on what really matters when it comes to your health. Here’s what you should know:
New biometric screening targets
When you receive a biometric screening, the updated metrics are:
- BMI target of 27 or lower (previously 28 or lower)
- Cholesterol target of 200 mg/dL or lower (previously 239 mg/dL or lower)
- Glucose target of 115 mg/dL or lower
- Blood pressure, while important, is no longer included as a biometric target
These modified biometric targets better align with current medical guideline ranges.
You can also earn partial incentives for the health targets you meet. For example, if you meet two but miss one health target, you will receive two-thirds of the available wellness incentives. Plus, you can earn the remaining amount by working with a Cigna health coach.
Important: While completing annual vision and dental exams are still important ways to take care of yourself, incentive dollars will no longer be awarded for these activities.
Get rewarded when you focus on YOU
Take time to focus on yourself, and get rewarded for doing so through one or more additional activities:
- Participate in a well-being activity of your choice, and earn incentive dollars. This incentive was added in 2020 and continues in 2021. Build your resilience by participating in a Cigna EAP Wellness Webcast or speaking with a Cigna EAP practitioner. Topics include managing your stress, new life changes, financial issues, family matters, and more.
After completing an activity, you can earn your incentives by logging in to your myCigna account. Click on Wellness > Rewards and programs > Incentive Awards > Start Earning. Then share that you participated in a wellness activity.
- If you are managing a chronic health condition or anticipate a significant rehab or recovery period after a major surgery, work with a case manager to create a plan and make progress toward your goals. Provide your case manager with a progress update to earn your incentive.
Benefits for what matters most to you
Taking care of you. As you continue to navigate today’s uncertainty—juggling kids or elderly parents alongside work, or just feeling isolated from all the social distancing—you and members of your household have access to free counseling sessions with licensed counselors. Speak confidentially with a professional about stress or any other feelings you may have. You don’t have to be enrolled in a Cigna medical plan to use this service.
Remember: Virtual counseling options are available, too, so you can get behavioral health care anytime, anywhere.
Taking care of your loved ones. Get help at home through Bright Horizons. Did you know that you can find part-time or full-time in-home care to supervise your child’s online learning and homework tasks? Just post a request on the Bright Horizons website.
Depending on the situation in your area, Bright Horizons may be able to offer you reliable, quality care options for your children, adults, and elderly loved ones. Please note that this option may continue to change due to COVID-19.
Deadlines to keep in mind
Earning and submitting wellness incentives in 2021
To receive wellness incentives in your Health Savings Account (HSA), incentives must be processed by Cigna no later than the end of November. This deadline has been set because it may take three to four weeks for Cigna to process your incentives. The earlier you complete and submit your wellness incentives, the better.
Under the Health Plus plan, Health Reimbursement Account (HRA) incentives can continue to be earned through the end of the year. Keep in mind, it’s best to do this early in the year to ensure you earn your wellness incentives for the year.
In addition to investing in your health and well-being, think about how to strengthen your finances.
Are you in a high-deductible health plan? Consider saving even more in your Health Savings Account (HSA). In 2021, you can contribute up to $50 more if you have individual coverage and $100 more if you have family coverage. Keep in mind, you can start, stop, or change your contributions throughout the year.
If you are enrolled in the Core Plus plan, here’s how the math works:
|Individual coverage||Family coverage|
|Your 2021 maximum contribution||Under age 55: $3,200
Age 55+: $4,200
|Under age 55: $6,400
Age 55+: $7,400
|Wellness Incentive Program awards||$400||$800|
|2021 IRS maximum||Under age 55: $3,600
Age 55+: $4,600
|Under age 55: $7,200
Age 55+: $8,200
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.
Why the HSA? Because the money in your account is always yours, so you take it with you, even if you leave BAE Systems or retire. It also offers triple tax advantages: no taxes on contributions, on eligible withdrawals, and on any interest earned. Plus, your HSA is set up automatically when you enroll in an HSA-eligible plan and earn an incentive or fund the account with payroll deductions.
Take a few minutes to learn more about all the benefits of an HSA.
Increase in Flexible Spending Account (FSA) contribution limits
Contribute up to $2,750 in 2021, an increase of $50 over the 2020 limit. This is a use-it-or-lose-it account, and restrictions may apply depending on your medical plan. You must use your FSA funds by December 31, 2021, and you have until April 30, 2022, to submit your 2021 claims for reimbursement.
Carefully consider what care may look like for your family in 2021. You can contribute up to $5,000 to your Dependent Care FSA ($2,500 if your spouse or domestic partner contributes to one as well).
Can you have an HSA and FSA at the same time?
Yes. If you are enrolled in the Core Plus high-deductible medical plan, you can have an HSA for eligible medical expenses and a Limited Purpose Health Care Flexible Spending Account to help you pay for dental and vision services. Under IRS rules, medical or prescription drug expenses may not be reimbursed from a Limited Purpose FSA.