Benefits
New Hire Orientation 2017
1
How to Enroll in Your Benefits
General Dynamics Service Center
888- 432-3633
or
www.gdbenefits.com
Elections must be made within
31 days of your hire date
2
Enrollment
► Eligible
Dependents


Legal spouse
Dependent children (biological, adopted, child for whom you have legal guardianship,
children placed for adoption, step-children)
 Eligible children may be covered until age 26 regardless of student or marital status
► Qualified




Changes in Family Status
Marriage
Divorce
Birth or adoption
Significant change in dependent’s employment or health coverage
Watch your home mail for dependent verification request.
You must respond in order to cover your eligible dependents.
3
Personal Health Account (PHA) Plan Overview
Personal Health Account
(PHA) Plan
Insurance plan that provides medical
and prescription drug coverage
► Two


Health Savings
Account (HSA)
Tax-free savings account – pay for
healthcare expenses now and in the
future
options: Seeded PHA and Unseeded* PHA
Seeded PHA: Gulfstream contributes “seed” money to your HSA
Unseeded PHA: Gulfstream does not contribute to your HSA – your premiums are
lowered by the seed amount
► CoreSource
is the administrator of the medical plan
* Employees with coverage in a non-high deductible plan, such as Medicare and TRICARE, are not
eligible to contribute to an HSA, according to IRS regulations, so they must select the unseeded PHA.
Special rules apply to employees using their VA Benefits.
4
Coverage in the PHA
In-Network
Out-of-Network
Deductible
Medical and Pharmacy
(Individual/Family)
$1,500 / $3,000
$3,000 / $6,000
Out-of-Pocket Maximum
Medical and Pharmacy - includes deductible
(Individual/Family)
$2,300 / $4,600
$4,600 / $9,200
100%, no deductible
70%
Non-preventive care is covered…
90%
70%
ER visits are covered…
90%
90%
Preventive care is covered…
Pharmacy
Certain preventive medications are covered…
Other medications are covered…
Preferred
Prime
Mail
Out-ofNetwork
100%,
no deductible
80%
90%
70%
90%
80%
90%
70%
In-network and out-of-network deductible and out-of-pocket amounts are separate
5
Network Providers
► Medical
Plan Network

Memorial Health Partners (MHP) Network
 Primary network for members who live or receive services in: Bryan, Chatham,
Effingham, Liberty
 Aetna Signature
 Secondary network for members who live outside of these four counties or are
traveling and need emergency/urgent care
► Pharmacy
Network

Prime Therapeutics network
 broad network of national and independent pharmacies
 Preferred Retail Network
 Kmart, Kroger, pharmacies inside Target, Walgreens, Walmart, CPN
On-site Walmart pharmacy located at Main facility,
east/blue parking lot near Post 7
6
Certain Preventive Medications are Free
Preventive medications include:
Certain
preventive
drugs are
100%
covered
when you fill
them at a
Preferred
Retail
pharmacy
7
►
All generic medications used to treat asthma, high blood pressure
and high cholesterol
►
All generic medications used to treat diabetes, as well as insulin,
test strips, lancets and syringes
►
Preventive drugs specified by the Affordable Care Act (ACA), such
as tobacco cessation and contraceptive drugs/devices
ActiveHealth
► Precertification

Preauthorization for medical necessity is required for certain services, such as
 In-patient hospitalization
 Out-patient surgery (hospital or ambulatory surgical facility)
 MRI, CAT, PET and MRA
► Nurse

Coaching for chronic conditions and pregnancy
One-on-one telephonic support
► On-site
health coaching
 Individual guidance to manage a chronic condition or make healthy lifestyle
changes
 Call 912-965-2873 for an appointment
8
Healthy Partners
MDLIVE
Healthcare Bluebook
 24/7 access to physicians, pediatricians
and licensed therapists via phone or video
chat for acute, non-emergency conditions
 Save time and money – fees up to $38
 Alternative to ER or urgent care facility
Grand Rounds
 Online tool that helps you find quality care
at the right price
 Search for services in your local area
 Learn how to make cost-effective choices
Hello Heart
 Connect with leading experts for a free
second opinion or help deciding if a
treatment plan is right for you
 Program for employees with high blood
pressure
 Mobile technology that helps you
understand and improve your condition
Healthy Partners are part of your
Gulfstream medical plan
9
What is an HSA?
It’s like a
401(k) for
healthcare
expenses,
only better
10
►
It’s a tax-free account you can use to pay eligible
healthcare expenses, administered by Fidelity
►
Funds can be used tax-free for eligible expenses now or in
the future (especially in retirement), includes, but not
limited to:



Medical, dental, vision out of pocket expenses
Qualified health premiums
IRS Publication 502 for full list of qualified expenses
►
Investment opportunity – earnings are non-taxable
►
Funds roll over year after year – no “use it or lose it” rule
►
Account belongs to you; all money goes with you if you
leave the company
Funding your HSA
►
You can make pre-tax contributions to your HSA



►
Gulfstream contributes seed $$$ if you elect the Seeded PHA


►
Via weekly payroll deductions
Lump sum deposit anytime
One-time IRA rollover
2017 Contribution: $600 Single | $1,200 Family
Prorated by number of months remaining in 2017
2017 maximum contribution for single coverage is $3,400 and for family
coverage is $6,750


“Catch-up” contribution of $1,000 allowed for individuals 55 or older
You may change your contribution at any time
Seed: The amount of money Gulfstream adds to your HSA to help you pay
eligible healthcare expenses
11
Triple Tax Advantage*
Contribution
from
Gulfstream to
seeded PHA
+
Your tax-free*
contributions
each year
+
Tax-free*
interest +
investment
income
1
2
As
dollars
go in
As
account
grows
=
TAX-FREE
SAVINGS*
3
As dollars come
out for qualified
expenses**
* HSA contributions are taxable in the following states: Alabama, California and New Jersey;
HSA earnings are taxable in the following states: New Hampshire and Tennessee
** See IRS Publication 502 for more information about qualified healthcare expenses
12
Flexible Spending Accounts (FSA)
Flexible spending accounts allow you to make pre-tax contributions for
healthcare or dependent care expenses
Healthcare FSA
Limited Use FSA
Dependent Care FSA
Medical, dental and vision
expenses for yourself and
eligible dependents
Dental and vision expenses
only for yourself and eligible
dependents
Daycare expenses for
dependent children under age
13
Min $100 | Max $2,550
Min $100 | Max $2,550
Min $100 | Max $5,000
Only for employees who are
NOT making/receiving HSA
contributions
Available for employees who
are making/receiving HSA
contributions
Use it or lose it – roll over up to
$500 of unused funds to 2018
Use it or lose it – roll over up to
$500 of unused funds to 2018
Use it or lose it – no rollover
provision
Debit card
Debit card
Debit card
13
4/21/2017
Gulfstream Proprietary Information
Dental and Vision Coverage
►
Delta Dental PPO Plus Premier
 Nationwide network of dental providers
 In- and out-of-network benefits
 Choose a dentist from either of Delta’s networks:
 PPO
 Premier
Many dentists participate in both networks, but your out-of-pocket costs will be lower
with PPO dentists
►
Vision Service Plan (VSP)
 Routine eye care
 No ID card required
 In- and out-of-network benefits
 Nationwide network of providers
14
Beacon Health Options
►
Employee Assistance Program (EAP): Offers all employees and their
covered dependents free, confidential support services for a variety of
personal concerns including:






►
Depression, stress and anxiety
Relationship difficulties
Financial and legal matters
Child and elder care
Personal growth
Professional success
Nationwide network of providers
Free to all employees whether enrolled in a
Gulfstream health plan or not
15
Disability and Life Insurance
►
Company provided benefits

Disability

Short Term Disability – 70% of base pay
 Long Term Disability – 50% of base pay
 Life Insurance

Basic Life – 2x base pay

Basic AD&D – 2x base pay

Business Travel/Accident – 4x base pay
Supplemental options are available.
For more information, go to www.gdbenefits.com
16
General Dynamics 401(k) Plan 6.0
►
Immediately eligible with automatic enrollment at 6% after 30 days,
unless participation is waived
►
Contribute from 1% to 50% of your 401(k) eligible pay

►
Includes base pay, overtime, shift differentials, bonuses
You may contribute to all savings types: pre-tax, after-tax or Roth 401(k)

The IRS limits the amount you can contribute pre-tax and Roth in each
calendar year
 “Catch up” contributions for participants over 50 or becoming 50 during plan
year
►
Company match 100% on the first 6% of employee contributions
►
Immediate vesting
►
Rollovers
17
Healthy Rewards Incentive Program
►
Premium reduction – Save $500* on your 2017 medical premium by getting a
biometric screening within 61 days of your hire date

Lipid profile (cholesterol), blood pressure, blood glucose, BMI

Gulfstream’s Medical department

Your physician

LabCorp
 Details available on the Provant website at gd.provantone.com
*Premium reduction prorated based on number of pay-periods remaining in 2017
►
Healthy Rewards

Completing your biometric screening qualifies you for additional $300 in the 2017
Healthy Rewards program
 Earn points by participating in healthy activities and programs through the Jiff portal
18
Employee Programs
Professional
Personal
 Tuition assistance – formal education
assistance for business-related
studies that will improve effectiveness
in current and future job
responsibilities
 Uniforms when applicable
 Bereavement – acknowledgement of
the loss of an immediate family
member with a floral arrangement or
charitable contribution
 Blood drives on-site through
American Red Cross and OneBlood
 Discounts – local companies offering
discounts for their products and
services
 Dry Cleaning – convenient on-site
pickup and delivery
 FarmBag – get a variety of top-quality
organic and local produce and artisan
foods delivered to you at discounted
prices
 YMCA membership – join the YMCA
of Coastal Georgia at discounted rate
Recognition
 Go Above & Beyond – employees
recognize each other’s
contributions with an informal Thank
You! or a formal Mach award
nomination
 Service Awards – recognition at
each 5-year milestone
 Employee Gift Outlet – resource for
managers to provide gifts for
employees
19
Remember…
►
Enroll within 31 days – you can access gdbenefits.com beginning the
first Wednesday following your hire date
►
Provide necessary documentation for your dependents
►
Access to all other vendor websites takes about 2-3 weeks following
enrollment
►
Complete your biometric screening within 61 days to earn premium
incentive and participate in Healthy Rewards
Detailed information on all of our benefit plans can be
found at www.outsidegulfstream.com/Benefits
20
4/21/2017
Gulfstream Proprietary Information
Questions?
► General


888-432-3633
www.gdbenefits.com
► Benefits


Dynamics Service Center
Department
912-965-3500
benefits@gulfstream.com
► Employee


21
Programs
912-965-4434
employee.programs@gulfstream.com