Consumer Driven Health Plan
The Lumenos CDHP Option is offered through Blue Cross / Blue Shield.
Features of the plan and how it works:
- Preventive Care
- You are covered at 100% for nationally recommended services, with no deductions from your HRA
- Health Reimbursement Account (HRA)
- You receive funds from Northrop Grumman for your HRA
- The plan pays 100% when funds are available
- You can use the funds for HRA extras
- The "Bridge" (Amount that you pay out-of-pocket, before the plan begins to pay benefits)
- If your medical expenses exceed the funds in your HRA, you pay a limited out-of-pocket amount
- You pay only as expenses are incurred
- This amount can be reduced or eliminated by HRA rollover funds
- Traditional Health Coverage
Additional protection covers the services allowed by Northrop Grumman
You pay coinsurance for covered services
You are covered 100% after coinsurance maximum is met
Plan Overview
| |
Employee |
Employee + Spouse |
Employee + Child(ren) |
Family |
| HRA Dollars - Provided by Northrop Grumman |
$1,000 |
$1,500 |
$1,500 |
$2,000 |
| Bridge - What You're Responsible For |
$800 |
$1,200 |
$1,200 |
$1,600 |
| Traditional Health Coverage |
If you exceed the Bridge, you are:
90% covered for in-network providers (you pay 10%), or
60% covered for out-of-network providers (you pay 40%) |
| Your Coinsurance Maximum (maximum out-of-pocket expense after you exceed the Bridge) |
$4,200 |
$6,300 |
$6,300 |
$8,400 |