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.
  • In some cases, Cigna will contact you if you experience a qualifying claim. For example, if you are enrolled in a BAE Systems Cigna medical plan and elected Critical Illness coverage, Cigna will automatically remind you to submit your eligible Critical Illness insurance claims.

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.
• You want to keep and grow money in your Health Savings Account (HSA) to use for future health care expenses.

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.