BAE Systems has partnered with Cigna to offer voluntary supplemental group coverage to help you pay out-of-pocket expenses that your medical pan insurance doesn't cover. The supplemental coverage options can be paired with your medical plan (whether that is a BAE Systems medical plan or coverage under a spouse's or partner's plan), and there are no in-network restrictions.

Consistent with our medical plan elections, you can only enroll in these supplemental benefits during Annual Enrollment.

You can also enroll in these plans if you have a qualified life event during the year.

You pay 100% of the cost of each of the supplemental insurance benefits you elect. Your monthly cost depends on your age, the options you choose, and the age of your dependents, if you choose to enroll them. Costs will be deducted from your pay on an after-tax basis. In addition, your costs will be higher if you are a smoker.

You can learn more about the costs of these supplemental benefits as you step through the enrollment process on the BenefitsNavigator website.

• It’s your choice. You can waive this optional insurance or enroll in just one plan, or two or more. There is no requirement to enroll in this coverage.
• Supplement your medical plan. Benefits for covered conditions and approved claims are paid in addition to your medical plan coverage. These plans are NOT medical insurance.
• Plans are 100% employee paid. You must pay for these plans with after-tax payroll deductions, so the benefits you receive are not taxed when a claim is paid.
• Benefits are flexible. Once a claim is approved, you can use the funds you receive however you want: medical bills, mortgage or rent, child care, groceries, etc.
• Convenient ways to file a claim. You can submit your claim to Cigna online or by phone, email, fax, or mail. For more details and forms, visit Cigna.

This coverage might be a good choice for you if:

• You plan to have an elective surgery next year, like a joint replacement.
• Your kids play sports that could put them at risk for an injury.
• You or your spouse expects to deliver a baby in a hospital.

Note that these plans have limits and exclusions, and that benefits may not be paid for an illness or injury that existed prior to the date coverage takes effect. Be sure to read the plan information carefully.

Prepare your documentation

Refer to the relevant checklist below for information and documentation needed to file a claim. Each checklist highlights the specific documentation needed to process your claim.

• Accidental Injury
• Hospital Care
• Critical Illness

Tip: Consider filing your claim after completing all medical care related to your medical event. You can file anytime during the plan year.

Easily file your claim online

1. Log in to myCigna.com.
2. Under the “Coverage” tab at the top of the screen, select “Supplemental Health.”
3. Scroll to the bottom of the page and click “Submit a claim.”
4. Complete the online claim form.

After you file

Once all requested information is received, a Claims Advocate will review your claim and follow up if additional information is required to process the claim.

If the claim is approved, you will receive an Explanation of Benefits (EOB) or approval letter advising you of the decision. If the claim is denied, you will receive an EOB or letter explaining why the claim was denied and instructions on how to appeal the denial. The documents will be available in the claim status section on myCigna.

Tip: Enroll in direct deposit to receive your benefit payment faster. Benefits are paid directly to you via check or direct deposit if you enroll.