1. BWXT 2017 BENEFITS
Fall 2016

2. 2017 Benefits Agenda Process Review Medical Coverage Overview
What is new for 2017
Administration

3. 2017 Benefits – Process Review
Benefits Design
The decision making process for determining the structure was made up of the following:
Employee Survey
Regulatory Requirements
Value proposition
Limit complexity
Costs: Employee and Employer
Self funded
Executive review 
Positive Feedback
Large majority value BWXT benefits
Thrift Plan is highly valued
Ancillary benefits are important
Other Items
Out of Pocket Expenses in Medical
More Education in Existing Benefits

4. 2017 Benefits – Medical Coverage Overview
The Consumer Choice Plan
If you enroll in the comprehensive, high deductible Consumer Choice Plan:
Employee (payroll) contributions will be lower than the PPO Plan
Eligible medical and pharmacy expenses will accumulate towards the deductible and out of pocket maximums
You will receive a company contribution to your Health Savings Account (HSA) {$500 for “single” and $1,000 for “family” deposited in January of 2017}
You may contribute your own, pre-tax monies through payroll deductions to your HSA
Healthcare Flexible Spending Account (FSA) can only be used to help pay for dental and vision expenses
Your HSA monies are never forfeited – they are yours to spend, even if you change plans or after you retire / terminate employment
If you have Medicare, Veterans Affairs (VA), Tri-care or other coverage that deems you ineligible for an HSA, you may still enroll in the Consumer Choice Plan but the IRS will not allow for company contributions or your own deferrals into an HSA account

5. 2017 Benefits – Medical Coverage Overview
The PPO Plan
If you enroll in the comprehensive PPO Plan:
The employee (payroll) contributions are higher than the Consumer Choice Plan because the plan pays more for up-front expenses
The PPO Plan has copayments which do not exist in the Consumer Choice Plan and lower deductibles than the Consumer Choice Plan
Out of pocket expenses for each visit are more predictable because of copayments
Medical and Prescription drug copays apply only to the out-of-pocket maximum
The Healthcare Flexible Spending Account (FSA) can be used to get reimbursement for medical, dental and vision out of pocket expenses
The IRS requires that if you elect the Consumer Choice Plan (HSA) while you have a remaining balance in your HRA, the HRA funds are forfeited

6. 2017 Benefits – What’s New? Anthem Blue Cross Blue Shield (BCBS)
All locations’ claims for dates of service January 1, 2017 and after processed by Anthem BCBS
Locating network providers / assisting with transition services
Answering claim and benefit questions
Ordering ID cards
Education on plans and programs
Obtaining pre-certification
Confirming member eligibility
Management of acute and chronic conditions
Health Advocates will replace Care Coordinators (aka, Quantum)
Available January 1, 2017
Some items that Health Advocates will help with …
Transparency / decision support
Answering benefit questions
Resolving claims issues
Assisting with provider related issues
Assist employees and/or their parents with Medicare
New ID cards will be issued in December of 2016
Medical and Pharmacy {still administered by Express Scripts/ESI} are 2 separate cards
Must be shown to providers and pharmacy starting January 1, 2017
Only completed by Anthem BCBS

7. * Rates increased $50 for Tobacco Surcharge
2017 Benefits – What’s New?
Medical Plan Employee (Payroll) Deductions
The medical plan deductions will increase approximately 2% for 2017, per month
New rates are as follows:
No Surcharge Monthly Rates *
Consumer Choice Plan
PPO Plan
EE Cost
Employee Only
$49.00
$124.00
Employee + Spouse
$82.00
$226.00
Employee + Child(ren)
$67.00
$179.00
Family
$97.00
$288.00
* Rates increased $50 for Tobacco Surcharge
Dental Plan Payroll Deductions
Dental plan payroll deductions will be increased by 3.2% for the 2017 Plan Year
Supplemental Life Insurance
2017 rates are increasing by 10%
Personal Accident Insurance (PAI)
2017 rates are increasing .5¢ (employee only) to .9¢ (family) per $1,000 of coverage
NOTE: No Plans have a Change in Design

8. 2017 Benefits – Administration
Claims Questions and Transition Services
Transition of care
Only needed if your provider is not in the National PPO Bluecard Network
A form will be posted in November on myBWXT and other intranet sites as well as being available with Human Resources. Complete and return the form to your local HR department or Corporate Benefits if your provider is not in-network and a member has on-going treatment
For a limited time until you can find an in‑network provider
Visit to see if your providers are in the National PPO Bluecard Network
New ID cards
Anthem BCBS Medical ID cards – show your new card at the doctor’s office in 2017
Express Scripts Pharmacy ID cards - show your new card at the pharmacy in 2017
2017 EOBs – Medical EOBs default to mail; can change to electronic
Medical EOBs will be mailed to home and/or available on
Pharmacy EOBs are available on
Service / Questions
Anthem BCBS – call or visit
Express Scripts – call or visit
Health Advocate – call or visit
2016 claims inquiries and explanation of benefits requests after January 1st
Health Advocate ( )

9. 2017 Benefits – Administration
Annual Enrollment Administration
The Annual Enrollment period will be October 17th through October 28th
BWXT Enrollment Center, provided by bSwift, is the provider of our on-line and phone enrollment process
Electronic distribution of ERISA disclosures notice (no CD in enrollment materials)
Ask Emma – optional Enrollment Decision Support Tool
If you do not make any changes during Annual Enrollment, your 2016 elections will rollover to 2017 except for the following, which must be selected for 2017:
HealthCare Flexible Spending Account (FSA) elections {limited to $2,500}
Dependent Day Care FSA elections {limited to $5,000}
Health Savings Account (HSA)
If you are electing to defer your own, pre-tax monies, you must go through annual enrollment
If you elect the Consumer Choice Plan, your HSA account is re-activated or activated (if new enrollee) as a part of the enrollment process
If you do not go through annual enrollment you must activate/re-activate your 2017 account by calling bSwift at any time after annual enrollment
Group Legal

10. 2017 Benefits – Summary
Annual Enrollment October 17th through October 28th
Passive enrollment allowed
Strongly encourage all employees to actively enroll to validate benefit elections and because some benefits cannot automatically “roll over”
“Ask Emma” is available – not required
Benefit summary statements will be mailed to employees’ homes in December
A new medical ID card and new pharmacy ID card (2 separate cards) will be mailed to employees’ homes in December (separate mailings)
Be sure your correct address is on file (through annual enrollment)
Must use new cards at doctor or pharmacy beginning January 1, 2017
Claims service questions in 2017
Anthem BCBS for medical only
Express-Scripts for pharmacy only
Health Advocate also available for medical, pharmacy and much more!