2021–2022 Benefits Orientation GuideNNS SALARIED JUNE 2021
Welcome to your HII benefits!We understand that your health, well-being and financial security are essentialto feeling and doing your best. To help you achieve your goals and supportyour family, we offer all benefits-eligible employees access to a diversemix of benefits and resources.To learn about the plans available to you and to take full advantage of your options:• Read this summary for a high-level overview of your benefits.• Visit hiibenefits.com to review the New Hire section for detailed benefit information and resources, and to connect with UPoint when you are ready to enroll.• Take advantage of ALEX, our online decision-making tool, to compare your benefit options and costs so you can choose the best coverage for your personal situation. Go to page 19 for details on ALEX.• See “Benefit contacts” on page 21 to get in touch with our benefit plan providers.You must enroll to get the benefits you want!You must enroll within 31 days of your date of hire to get the benefits you want for the restof the plan year. If you do not enroll: You will NOT have these benefits You WILL have only these company-provided benefits • Medical/prescription drug • Basic life insurance • Dental • Basic accidental death and dismemberment (AD&D) • Vision • Basic short-term disability (STD) • Flexible spending accounts (FSAs) • Basic long-term disability (LTD) • Any elective benefits (such as critical illness insurance or • HERO: HII Employees Reach Out hospital indemnity) • SmartPath financial coaching • BeWell for Life wellness programsSee “How to enroll in benefits” on page 19 for enrollment instructions. Important: If your spouse works The HII medical plans have a “working spouse” eligibility provision that requires working spouses to purchase primary coverage through their own employer if (1) it is available, and (2) the employer pays 50% or more for coverage. You can still cover your “working spouse” under the HII medical plans if these two conditions are met; however, your spouse’s HII coverage will be secondary to their employer’s coverage. For more information, contact the Huntington Ingalls Benefits Center (HIBC) at 1-877-216-3222. 2 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
About your benefitsWho is eligible?You are eligible to participate in HII benefits if you are a regular full-time employee scheduled to work at least 20 hours a week.Your dependents who are eligible to participate in HII benefits include your:• Spouse.*• Child(ren) under age 26.• Unmarried children of any age who have a certified disability.• Domestic partner (same or opposite sex) and his/her eligible children under age 19 (or under age 25 and a full-time student).Note: You will be required to provide documentation to verify your dependents are eligible for benefits following enrollment.* See “Important: If your spouse works” on page 2 for working spouse eligibility for medical coverage.An overview of HII benefitsCore benefits are offered at no cost to you. You pay a premium for optional benefits based on the plan(s) you choose and whoyou cover. The plan year is July 1 through June 30. Core benefits provided by the company Optional/voluntary benefits you can choose (You’re automatically enrolled at no cost to you.) (You must enroll within 31 days of your date of hire and pay a bi-weekly premium.) • Basic life insurance • Medical/prescription drug • Basic accidental death and dismemberment (AD&D) • Dental • Basic short-term disability (STD) • Vision • Basic long-term disability (LTD) • Flexible spending accounts (FSAs) • HERO: HII Employees Reach Out • Additional life insurance • SmartPath financial coaching • Additional AD&D insurance • BeWell for Life wellness programs • Additional STD • Additional LTD • Group legal • Accident insurance • Critical illness insurance • Hospital indemnity insuranceYou also will be automatically enrolled in the HISP 401(k) plan. See page 11 for details.Keep reading to find out more! Get detailed information about life insurance, AD&D, STD and LTD benefits on UPoint throughhiibenefits.com, HII’s website for benefits and wellness. 3 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your health benefitsYour medical plan optionsBelow are the medical plan options from Anthem for the 2021–2022 plan year. Anthem Preferred Provider Organization Anthem Consumer-Driven Health Plan (PPO) (CDHP)How you pay for service You typically pay higher payroll contributions in You pay lower payroll contributions but may exchange for lower copays or coinsurance for pay more out of pocket. covered services. HII funds a Health Reimbursem*nt Account (HRA) to help you pay these costs.HII-funded HRA You do not receive an HII-funded HRA. The HII-funded HRA helps you pay for out-of-pocket expenses, and unused funds roll over year to year. HRA dollars annually funded by HII: Employee $1,000 Employee + Spouse $1,500 Employee + Child(ren) $1,500 Employee + Family $2,000Deductible (PPO)/ In-Network Out-of- Employee $800Bridge (CDHP) NetworkAmount that you pay out Employee + Spouse $1,200of pocket, before the plan Employee $500 $800 Employee + Child(ren) $1,200begins to pay benefits Family $1,000 $1,600 Employee + Family $1,600Out-of-pocket In-Network Out-of- In-Network Out-of-maximum for Network Networkmedical expensesThis is the most you will Medical Medical and Prescription Drugpay in a year for covered Employee $5,000 $10,000 Employee $6,350 $6,350services Employee + $8,500 $8,500 Family $10,000 $12,700 Spouse Prescription Drug Employee + $8,500 $8,500 Employee $1,600 Child(ren) Family $3,200 Family $10,500 $10,500Payroll contributions View UPoint at hiibenefits.com for details. View UPoint at hiibenefits.com for details.Preventive care Covered in-network at 100% Covered in-network at 100%Copays Copays for doctor’s visits: $20 office visit/ No copays $40 specialistCoinsurance You pay 20% coinsurance in-network/ If you exceed the Bridge, you pay 20% 40% out-of-network coinsurance in-network/40% out-of-networkFor more plan details, go to hiibenefits.com or visit ALEX, our online benefits decision-making tool, atmyalex.com/hii/2021/hiibenefits. 4 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your health benefitsTobacco Free Incentive ProgramWhen you enroll in an HII medical plan, you’ll participate in HII’s Tobacco Free Incentive Program which offers preferredmedical insurance rates for employees who do not use tobacco. If you have not used tobacco for six months or havecompleted a tobacco cessation program, you are required to identify as “tobacco-free” when you enroll in medical coverageto receive preferred medical insurance rates. If you don’t, you’ll default to “tobacco user” and pay $650 more annually on yourHII medical insurance.Note: A tobacco user is anyone who has used cigarettes, cigars, pipes, hookah, e-cigarettes, clove cigarettes, or any form ofsmokeless tobacco (including chewing tobacco, dip or snuff ) in the last six months.Which option will work for you?Here’s a quick look at how the two medical plan options work:PPO CDHP with Health Reimbursem*nt Account (HRA)Your payroll contributions are higher Your payroll contributions are lower than the PPO plan, but the CDHP has higherthan the CDHP, but the PPO plan has deductibles and out-of-pocket maximums.lower deductibles and out-of-pocket • You are responsible for the cost of care until you reach the plan’s deductiblemaximums. You pay: (also called “the bridge”); HOWEVER, HII’s annual contribution to your HRA will• Copayments for office visits and cover 100% when funds are available. Plus, your unused HRA dollars roll over prescription drugs, or from year to year.• Coinsurance on certain services after • If you use all the available funds in your HRA before your deductible is met you meet the deductible (20% for and/or before the plan year is over, you are responsible for paying all incurred in-network care until you reach the out- medical expenses and/or remaining deductible. of-pocket maximum). Once you reach • Once your deductible is met, you pay coinsurance (20% for in-network care) the out-of-pocket maximum, the plan until you reach the out-of-pocket maximum. pays 100%. • Once you reach the out-of-pocket maximum, the plan pays 100%.BeWell for Life Shop to find your If you use TRICARE...All HII employees have free access to prescriptions for less If you are considered qualified militaryno-cost educational webinars, wellness Different pharmacies charge different personnel and are currently enrolledchallenges and more through BeWell prices for the same prescriptions, and in a TRICARE Plan, you can enroll in thefor Life. you could save even more by taking TRICARE Supplement Plan, a voluntary generic prescription drugs. Log into insurance plan designed to supplement 757-327-4200 TRICARE and help you with your health your Anthem or CVS account to use myquadmed.com/bewell care expenses. a price comparison tool and find the best cost for your prescriptions. 5 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your health benefitsKnow Your Numbers programHII’s Know Your Numbers program is designed to help you understand important health numbers like your blood pressure,cholesterol and more, to improve your health and reduce risk for disease.All non-represented employees enrolled in an HII Anthem PPO or CDHP medical plan must complete a wellness profileand health screening annually to save $600 on their HII medical insurance. The program runs July 1 through March 31each year.Wellness profile Health screeningTo create your wellness profile, you will complete an online, You have three options for screening:confidential health questionnaire that assesses your health 1 Onsite at a health screening event (hosted by QuadMed).habits, nutrition and overall health. 2 At the HII Family Health Center.The survey is available on the Wellness Online portal atmyquadmedical.com/hii (print copies also available at the 3 With your personal medical provider (and submit theHII Family Health Center). Health Screening Form).The program is administered by QuadMed, a third-party vendor. All personal health information collected by QuadMed isprotected by the Health Insurance Portability and Accountability Act (HIPAA) and not shared with HII.Important: Since you are new to HII’s medical plans, you will automatically receive the $600 annual Know Your Numbersdiscount on your medical premium when you enroll. You will have at least one year to complete the program to securethe $600 in savings for the 2022–2023 plan year. (Employees hired before March 31, 2022 will have until March 31, 2023 tocomplete the program. Employees hired after March 31, 2022 will have until March 31, 2024 to complete the program.) Engage Wellbeing–Health care at your fingertips Get real-time health care data with the Engage Wellbeing app, a personalized digital health assistant that links with your HII Anthem medical plan to provide real-time benefit updates, including claims, deductible amounts and more. With Engage Wellbeing you can: • Get quick information based on medical conditions, including a list of in- network doctors that treat your specific condition. • Receive personalized alerts for treatment plans and clinical recommendations. • Create a virtual care team that saves your doctors’ contact information to make appointment scheduling fast. • Connect with Anthem and HII-specific health programs that support your health goals. • Quickly access your Anthem ID card and cards for any minor dependents on your plan. Register at www.engage-wellbeing.com. You can download the app by searching for Engage Wellbeing in your app store. 6 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your prescription drug benefitsIf you enroll in an HII medical plan, you automatically receive the prescription drug benefits for the plan you chose.Prescription plansAnthem CDHP and PPO prescription benefits are administered by CVS Caremark. Plan feature Anthem Preferred Provider Organization Anthem CDHP (PPO) In-network* Out-of-Network In-network* Out-of-network Mandatory 90-day fill: If taking maintenance prescription drugs, you will be required to fill a 90-day supply after your second retail refill at either a CVS retail pharmacy location or via the Caremark mail order prescription drug program. Generic Retail: $5 copay 50% after deductible Retail: You pay 20% Retail: You pay 40% (Tier 1) after deductible after deductible Mail order: $10 copay Mail order: You pay Mail order: You pay 20% after deductible 20% after deductible Preferred brand Retail: $20 copay 50% after deductible Retail: You pay 20% Retail: You pay 40% (Tier 2) after deductible after deductible Mail order: $40 copay Mail order: You pay Mail order: You pay 20% after deductible 20% after deductible Non-preferred brand Retail: $40 copay 50% after deductible Retail: You pay 20% at Retail: You pay 40% (Tier 3) after deductible after deductible Mail order: $80 copay Mail order: You pay Mail order: You pay 20% after deductible 20% after deductible Out-of-pocket $1,600 Included in overall medical out-of-pocket maximum maximum*Retail (30-Days); Mail order (90-Days)Note for Anthem CDHP prescription drug coverage: When you fill a prescription (in-network or out-of-network), you willpay the copay or 10% coinsurance, whichever is greater. Low-cost prescriptions at the HII Family Health Center The CVS pharmacy at the HII Family Health Center offers a 30-day supply of generic medication for $3 and a 90-day generic supply for $6 when you enroll in an HII Anthem medical plan. Plus, you can take advantage of the pharmacy’s convenient drive-through. 7 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
More health and wellness resourcesWhen you enroll in an HII Anthem medical plan, you get access to the following high-quality resources dedicated tosupporting your health. Teladoc Teladoc offers telemedicine support for your general medical, behavioral health and dermatology needs. You can talk to licensed doctors, mental health professionals and dermatologists via phone or video chat to treat non-emergency needs and get prescriptions, if necessary. • Provides confidential 24/7/365 access to board-certified doctors for non-emergency medical needs. • Offers access to mental health professionals seven days a week through its Teladoc Behavioral Health service. • Provides dermatology care for skin issues. • Doctors can prescribe medications, as necessary.* • Also offers tobacco cessation assistance. *Prescriptions are issued only when clinically appropriate. No controlled substances may be prescribed and the availability of some prescriptions may be legally restricted in some states. 1-800-TELADOC / teladoc.com/hii / Teladoc app Vida Vida is a no-cost digital benefit designed to help individuals meet their health goals. The Vida mobile app connects users with dedicated health coaches and nutritionists to help with both chronic condition management and healthy lifestyle changes, including: • Lowering blood pressure and cholesterol • Exercising more • Managing or preventing diabetes • Eating better • Losing weight • Managing stress vida.com/hii / Vida app HII Family Health Center The HII Family Health Center in Newport News, VA offers a variety of services including primary care, X-rays, laboratory services and more. The health center also includes an onsite CVS pharmacy, which offers generic prescriptions with 30-day supplies for $3 and 90-day supplies for $6. Note: All HII employees have access to no-cost wellness coaching, education classes, wellness challenges and more through the health centers’ BeWell for Life team, regardless of medical plan. Visit myquadmed.com/bewell to learn more about BeWell for Life’s wellness services. 757-327-4200 / myquadmed.com/hii Maven Maven is a no-cost family benefit that offers full-service support for planning, starting and raising a family. Maven connects you with a dedicated care advocate who can help you build a care plan to meet your family’s needs. Your care advocate can help you with referrals for in-network specialists in your area. Plus, you get access to unlimited on-demand video appointments and live classes to help you on your path to parenthood. Turn to Maven for resources regarding fertility, maternity, adoption, surrogacy and more. mavenclinic.com/join/HII2021 8 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your dental plan optionsYou can choose between three dental plan options for the 2021–2022 plan year: Delta Preventive Care, Delta Dental Care andDelta Dental Care Plus. All options cover services up to a reasonable and customary charge.Here’s a look at what services are included in your coverage and the copay amount you will pay when you use the DeltaDental Preferred Provider Organization (PPO) network. (There is also an additional level of coverage when you use the DentalPremier Network; see UPoint for details).Plan feature Delta Preventive Care Delta Dental Care Delta Dental Care PlusAnnual deductible N/A $50 Individual; $50 Individual;(does not apply to preventive $100 Family; applies to Basic $100 Family; applies to Basiccare or orthodontia) and Major Services and Major ServicesAnnual maximum per $500 $1,500 $3,000covered individual(does not includeorthodontia)Orthodontia lifetime Not covered Not covered $3,000maximumPreventive care 100% 100% 100%oral exams (2 per year),prophylaxis (2 per year),x-raysFillings 100% 80% 80%Extractions, routine Not covered 80% 80%Endodontics Not covered 80% 80%(root canal therapy)Periodontics Not covered 80% 80%Inlays/onlays, crowns Not covered 80% 80%Bridges, implants, dentures Not covered 50%; up to PPO annual 50%, up to PPO annual maximum maximumOrthodontia Not covered Not covered 50%, up to $3,000 lifetime maximumOnsite DentalWhen you and your family enroll in dental insurance, you get access to full-service in-network care through Onsite Dental,which is conveniently located behind the HII Family Health Center. 757-707-7223 / hii.onsitedental.com 9 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your vision plan optionsFor the 2021–2022 plan year, you can choose from three vision plan options: low, medium and high. VSP is the vision planprovider for all plans. Here’s a look at what services are included in your coverage and the copay amount you will pay whenyou use the VSP network. When you go out of the VSP network for vision services, you pay for your services up front andthen are reimbursed for only a certain amount of each expense.Plan Feature Low Medium HighVision exam $10 copay $10 copay $10 copay(once every plan year)Frames $10 copay (copay is a one- $10 copay (copay is a one- $10 copay (copay is a one- time annual amount for all time annual amount for all time annual amount for all materials combined per materials combined per materials combined per pair), up to $150 allowance; pair), up to $250 allowance; pair), up to $250 allowance; 20% discount on the 20% discount on the 20% discount on the remaining cost remaining cost remaining costLenses, medically $10 copay, then covered at 100%: Standard single, lined bifocal, lined trifocal, lenticularnecessary(once every plan year)Lens enhancementsStandard progressives CoveredPhotochromic lenses $70 copay $70 copay $20 copayScratch-resistant coating Not covered; discounted pricing availableNecessary contact lenses $10 copay, then covered at 100% (in lieu of glasses)Lenses, elective $150 allowance; maximum $200 allowance per lenses $200 allowance per lenses copay of $60 for fitting and benefit; maximum copay of benefit; maximum copay of evaluation of lenses $60 for fitting and evaluation $60 for fitting and evaluation of lenses of lensesAnnual Vision Limits 1 exam, 1 pair spectacle 1 exam, 1 pair spectacle 1 exam, 2 pair spectaclePlan year begins in July. lenses every plan year; lenses and 1 frame every lenses and 2 frame every 1 frame every other plan plan year. Contact lenses are plan year. Contact lenses are year. Contact lenses are in in lieu of glasses in lieu of glasses lieu of glassesSafety glasses option: Each of these vision plans offers additional coverage for prescription safety glasses, if you elect it.For a complete look at the vision plan options, view the vision plans on UPoint when you enroll.HII Family Vision Center Member ID cardsWhen you and your family enroll in a vision plan, you get in-network rates You will not receive an ID card for visionat the HII Family Vision Center (located within the Family Health Center). coverage. Simply go to an in-network visionTake advantage of full-service eye care for children and adults, plus a provider and identify yourself as a VSP member.selection of name-brand eyeglasses, safety glasses, sunglasses and more. The provider will verify your coverage.Call 757-327-4188. 10 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your financial benefitsHuntington Ingalls Savings Plan (HISP) 401(k)Creating a nest egg for retirement is extremely important. We know how difficult it can be to build your savings, which iswhy HII extends you the opportunity to participate in the HISP 401(k) Retirement Plan. Participation is made easy through theconvenience of payroll deductions.When you participate in the 401(k) you can receive a 100% company match up to 8% of your contribution.You can enroll in the HISP 401(k), and elect your contribution amount through payroll deduction, to begin participatingright way. If you don’t take action to enroll when you are hired, you are automatically enrolled the next applicable payperiod 45 days after your hire date. Starting with the first pay period after the 45 days, 2% of your eligible pay will bededucted on a before-tax basis and invested entirely in a premixed, broadly diversified portfolio based on your age at thetime of the default investment. Your contribution rate will automatically increase by 1% of your eligible pay each year inApril until it reaches 25%.You can choose to contribute between 1% and 75% of your eligible compensation to the HISP on a before-tax basis, Roth401(k) or after-tax basis, or any combination of the three. You can make contribution changes at any time.For HISP details and information regarding applicable employer match contributions, go to www.hiibenefits.com and logon to UPoint.Alight Financial AdvisorsTurn to Alight Financial Advisors (AFA) for trusted retirement advice to make the most of your HISP 401(k) account. AFA’sonline advice program offers no-cost support for your investments, or you can sign up for the professional managementprogram and have AFA manage your retirement savings for you. 11 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your financial benefitsAlight Protection ProgramTo help employees protect their retirement savings, HII has partnered with Alight to offer employees the Alight ProtectionProgram, designed to protect your HISP 401(k) account from fraud, cyber threats and unauthorized activity.To qualify for the program, you must:• Keep your contact information up to date in your UPoint account. This includes having a mobile phone number on file that can accept text messages.• Opt in to receive text messages from Alight to get real-time information about your retirement plan.• Take common sense steps to keep your account and devices safe: Regularly review your accounts for unusual activity.• Download up-to-date security software on any devices you use to access your account.• Use only private devices and a protected wireless connection.• Choose a password unique to your UPoint account.• Protect your password and login information, and never share this information with anyone.• Follow recommended security practices.Contact Alight immediately if you receive suspicious communications about your UPoint account activity, if you suspectidentity theft or if your UPoint login information has been compromised. 12 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your financial benefitsFlexible spending accountsFlexible spending accounts (FSAs) help you save money on taxes by paying for eligible out-of-pocket healthcare and dependent care expenses with pre-tax dollars. You choose the amount you want to contribute eachpaycheck, and it is deposited directly into your FSA. You must elect to participate in these accounts each year. Health care FSA Dependent care FSA The health care FSA lets you to set aside pre-tax dollars to use The dependent care FSA lets you set aside pre-tax dollars for eligible health care expenses, such as copays, deductibles, to pay for eligible dependent day care expenses. You can prescriptions and more. This year, you can contribute up contribute up to $5,000 each year if both you and your to $2,750. The full amount you elect to contribute to your spouse work, your spouse goes to school full-time or your health care FSA is available in your account on the first day spouse isn’t able to provide self-care. You may receive of the plan year or as of your date of hire, if you enroll during reimbursem*nt for eligible expenses up to the amount in your 31-day enrollment period. your account at the time you submit your claim.Commuter benefits Purchasing PowerIf you use public transit or pay for parking, you can save Purchasing Power* is a program that lets you purchasemoney by purchasing transit tickets and parking passes with goods on Purchasing Power’s online store and pay throughpretax dollars through the commuter benefits program. automated payroll deduction. Buy appliances, electronics,For 2021, the IRS will allow you to contribute up to $270 furniture, car tires and more and receive the order upfrontper month for transit expenses and parking expenses with with no credit check and no late fees. Purchasing Power is notpretax contributions. a discount program. Visit hii.purchasingpower.com for details.SmartPath financial coachingSmartPath offers all HII employees access to free financial Kashablecoaching and webinars. Work with a SmartPath coach to: Kashable* offers low-cost loans via online application for• Establish a financial plan. funds deposited to your bank account—no more need to• Create a budget. take a 401(k) loan! Kashable’s personal loans can be used for• Buy a home. any purpose and are a great resource if you face a financial• Deal with debt, including debt consolidation. emergency.• Plan for retirement. Visit kashable.com for details.• Buy and finance a car. *Note: Employees must work for HII for at least 12 months to be eligible to use• And more! Purchasing Power and Kashable. Visit www.onsmartpath.com/hii to connect with a coach and sign up for a webinar. 13 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Emotional well-being benefitsEmotional supportNo matter what you’re facing, your HII benefits are here to help. Regardless of the benefits you enroll in, as a non-representedemployee, you automatically have access to the programs below to support a healthy mind.HERO: HII Employees Reach Out RethinkEveryone needs a little help sometimes. Whether you’re Rethink offers free support to parents raising children withlooking for child care, pet care or dealing with stress, HERO learning or behavior challenges or developmental disabilities.is here. HERO offers access to free in-person and virtual Parents can consult virtually with board-certified behaviorcounseling to support a variety of needs, from grief and experts and use Rethink’s library of more than 1,500 videos,marital counseling to anxiety and stress. Plus, you can call exercise sheets and resources to teach children new skills,HERO’s 24/7/365 phone line to talk to a trained representative address problem behaviors and more. Plus, the onlinefor referrals, resources and support for life’s ups, downs and platform gives you the ability to collaborate with teachers,major changes. doctors and other caregivers.HERO is automatically available to all employees (no need to Rethinkbenefits.com/hiienroll) and includes: (code HIIRethink) / Rethink Benefits app• Up to eight free counseling sessions per member per year per issue. Teladoc Behavioral Health• Access to a secure website that includes articles, resources, When you enroll in an Anthem medical plan, you can modules and more. connect with mental health professionals seven days a weekHERO can help you with: through Teladoc. Fill out a quick survey to see if a counselor,• Child care • Special needs care therapist, psychologist or psychiatrist is right for you. Then, schedule a no-cost appointment for a phone conference or• Pet care • Work issues video chat—all from the comfort and privacy of home.• Family therapy • Work/life balance Teladoc clinicians can evaluate and treat general mental• Elder care • Identity theft protection health conditions such as depression and anxiety. They can• Marital and relationship Financial counseling and also provide therapy and prescribe medications if needed counseling debt management (per state telehealth rules and regulations). You’ll chat with• Individual/self-care • Parenting trusted and vetted psychiatrists and therapists who are part of Teladoc’s behavioral health network. 1-855-400-9185 hiihero.com (code Huntington Ingalls) 1-800-TELADOC / teladoc.com/hii / Teladoc app 14 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Additional benefitsShort-term disability Life insuranceYou are automatically covered by basic STD coverage at no cost to You are automatically enrolled in HII’s basic lifeyou. The plan covers 100% of your weekly pay for the first six weeks insurance plan, which offers coverage in theif you go on short-term disability and covers 50% of your weekly amount of 1x your annual base pay or $50,000,pay for weeks seven through 26. You have the option to purchase whichever is greater. This basic coverage is providedadditional optional STD coverage which will pay an additional 20% at no cost to you. You can also purchase additionalof your weekly pay in addition to the basic 50% for a total of 70% optional life insurance coverage for yourself andweekly pay replacement. your dependents.Long-term disability Accidental death andYou are automatically covered by basic LTD coverage that replaces dismemberment50% of your monthly base salary if you are disabled, as determinedby the plan, for at least six months. This coverage is provided at no You are automatically covered by HII’s accidentalcost to you. death and dismemberment (AD&D) coverage, which provides income protection in the eventIf you want more coverage, you can purchase optional LTD of an accident that causes death or catastrophiccoverage of 10% of your monthly base salary (for a total of 60%), injury. The coverage is 1x your annual base salaryor 20% (for a total of 70%), up to a maximum monthly benefit of or $50,000, whichever is greater. This coverage is$15,000. provided at no cost to you. You can also purchaseYou do not have to provide evidence of insurability (EOI) if you enroll additional optional AD&D coverage for yourself andduring the first 31 days after your date of hire or transfer. your dependents. For plan details, review these coverages on UPoint or use ALEX, HII’s benefits decision-support tool. 15 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Voluntary benefits Group legal For a modest premium, group legal coverage gives you a place to turn for help with a wide range of legal matters, such as buying a home or creating a will, as well as unexpected issues, like a dispute with a home contractor or a sudden illness. When you enroll, you get coverage for yourself, your spouse and any dependent children. Accident insurance Accident insurance can provide financial assistance when you and/or a covered dependent suffers a covered accident. The financial benefits can help you pay out-of-pocket costs not covered by your medical plan or help with living expenses that you may not otherwise be able to afford. You can also extend coverage to your spouse and/or children. This coverage has a schedule of payment for each benefit for expenses like diagnostic testing, labs, office or emergency room visits, hospital admissions, physical therapy and more. Critical illness insurance Critical illness insurance pays you a lump sum amount if you’re diagnosed with a covered illness or disease. You can use this lump sum to pay for whatever you need, such as medical bills not covered by your health plan, mortgage and rent payments, child care and more. You can also extend coverage to your spouse and/or children. You can choose to purchase $10,000, $20,000 or $30,000 of coverage for yourself and cover your spouse and/ or dependent children up to 50% of the coverage you choose for yourself. You must be enrolled in coverage to enroll your dependents in coverage. Premiums are deducted from your paycheck on an after-tax basis. Covered conditions include, but are not limited to: heart attack, blindness, major organ failure, end-stage renal (kidney) failure, occupational HIV, benign brain tumor and coronary artery bypass surgery. Please see the plan summary for a complete description of covered conditions. Hospital indemnity Hospital indemnity provides financial assistance by paying you a daily benefit when you have a covered hospital stay. You can use the money to cover out-of-pocket costs not covered by your medical plan or to help pay for living expenses that you may not otherwise be able to afford. You can also extend coverage to your spouse and/ or children.Note: HII does not contribute to the voluntary benefits listed above and has minimal involvement in the plans. If youenroll in one or more of the plans above, you will pay the full premium for coverage. 16 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Frequently asked questionsGeneral Can I make changes to my benefits after I enroll? New hire or transfer benefits enrollment elections can beWhen does the benefit plan year begin? changed within the first 31 days of your hire or transfer date.The benefit plan year begins July 1 and ends June 30. Annual Any changes outside your initial 31 days can only take placeEnrollment takes place each spring. during HII’s annual enrollment period, or if you experience a qualified life event such as gaining a dependent throughWhen can I enroll in benefits? marriage, birth or adoption. You have 31 days from the date ofNormally, it takes three to five business days for your the event to call the HIBC and change your benefits.information to upload to HII’s enrollment system. Once What benefit ID cards will I receive once I enroll?your information is in the system, you will be able to enrollin benefits. You will have 31 days to make benefit elections If you enroll in HII’s medical, dental, or health care flexiblefor yourself and any eligible dependents. If you enroll spending account plans, you will receive benefit ID cardsduring this period, your coverage is effective as of your hire about two weeks after you enroll. You will not receive andate. Generally, your benefit deductions begin as soon as ID card for vision coverage. Simply go to an in-network VSPadministratively possible following your new hire enrollment provider and identify yourself as a VSP member and they willcompletion. confirm your coverage.Who can I contact if I have additional questions How do I elect a beneficiary?regarding my benefits? You can elect or change a beneficiary online through UPointThe Huntington Ingalls Benefits Center (HIBC) is or by calling the HIBC at any time. You must elect beneficiariesavailable Monday through Friday from 9 a.m. to 6 p.m. for the HII Savings Plan, Life Insurance and Accidental DeathEastern time. Call 1-877-216-3222 (overseas: 408-916- and Dismemberment coverage.9765) You can find benefits information on UPoint at Do you have to be enrolled in a HII medicalwww.hiibenefits.com. You can also contact our benefit plan to be eligible to use HERO: HII Employeesvendors directly after you enroll. See “Benefit contacts” on Reach Out?page 21. No, HERO is not part of HII’s medical plans and it is separateWhat information do I need to provide when from the mental health and substance abuse programsI call the HIBC? available under the medical plan options. All HII employeesNew users will be asked to enter the last four digits of their and their household family members can use HERO. To getsocial security number, date of birth and zip code. You will started, call 1-855-400-9185 or visit www.hiihero.comthen be able to create your unique telephone PIN for calling (code: Huntington Ingalls). Representatives are availablethe HIBC. You can also create an account online in UPoint 24 hours a day.with a username and password and set up your telephonePIN. 17 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Frequently asked questionsMedical VisionWhen are the funds for the Anthem CDHP Will I receive an insurance card for visionHealth Reimbursem*nt Account (HRA) coverage?available? No, VSP does not send out insurance cards. Your visionThe full amount is available to you at the beginning of the provider will ask you for your Social Security number orplan year. other information that can be used to file a claim with VSP.What happens to unused funds in the HRA atthe end of the plan year? Flexible spending accountsUnused funds in your HRA account will roll over to the next (FSAs)plan year, if you continue coverage in the Anthem CDHPoption. There are no limits on the amount you can roll over. If I have money left in my FSA account(s) at the end of the plan year, does it roll over for use theTo be eligible to receive services at the HII next plan year?Family Health Center, do I need to enroll in oneof the HII medical options? No, the dollars in your FSA account do not rollover. You may incur expenses through September 15 of the following planYes. The HII Family Health Center is available to active year and file them by December 31 for reimbursem*nt.represented and non-represented employees and eligibledependents covered by the Anthem CDHP and PPO plans. How long do I have to submit claims for reimbursem*nt from my FSA?What is the cost to receive services at the FamilyHealth Center? Claims must be submitted by December 31 following the benefit plan year.For physician care, an employee or their covereddependent will pay a flat fee of $15 and all usual co-paysand deductibles will be waived. This fee covers all servicesreceived during that visit. There is no cost for wellnesscounseling and annual physicals. 18 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Enrolling for benefitsLet ALEX help you choose your benefitsALEX is an easy-to-use and fun online tool that will help you select the best-fitemployee benefit plans for you and your family. ALEX will ask you a few questionsabout your health care and other benefit needs (your answers remain anonymousand confidential, of course), crunch some numbers and recommend HII benefitsthat fit your personal situation. It’s that easy!Visit ALEX at myalex.com/hii/2021/hiibenefits.How to enroll in benefitsTo enroll, follow the steps below. Remember, you must enroll within 31 days of your date of hire. If you miss the 31-daydeadline, your next opportunity to enroll will be:• During the next Annual Enrollment period, which happens every spring.• If you have a qualifying status change event, like getting married, having a baby, getting divorced, or gaining or losing other coverage options.Before you enroll, you must create a UPoint account on hiibenefits.com. Click the UPoint tile and select the NewUser? link. You’ll be prompted to enter the last four digits of your Social Security Number, birthdate and zip codeand will be asked to create a user ID, password and phone PIN. Also, be sure to have your dependents’ SocialSecurity Numbers handy. Enroll online Visit hiibenefits.com • Log on to UPoint and follow the prompts on the UPoint homepage to enroll yourself and eligible dependents in benefits. Once finished, click Confirm Choices. A “Completed Successfully” message will provide confirmation. • You can make changes to your elections within 31 days of your date of hire. • To verify your elections, print a confirmation statement from UPoint. Important! Internet browser tip: Internet Explorer and Microsoft Edge 14 do not support UPoint or hiibenefits.com. To access UPoint, use Google Chrome, Firefox or Safari. Enroll by phone Call the HIBC at 1-877-216-3222 (overseas: 408-916-9765) Spanish-speaking representatives are available. • Benefits service representatives are available to assist you Monday through Friday from 9 a.m. to 6 p.m., Eastern time, excluding holidays. • If you are hearing impaired, use a relay service through your TTY/TDD service provider. • A confirmation statement will be mailed to your home. 19 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Final reminders When you enroll, be sure to take these steps: 1 2 3 Enter your dependents’ Certify your tobacco status. Name your beneficiaries. information. If you do not use tobacco or have HII must have correct names, If you enroll in life insurance, completed a tobacco cessation dates of birth and Social Security AD&D, critical illness coverage program, you must identify as Numbers for all dependents or participate in the HISP 401(k), “tobacco free” in UPoint. You will enrolled in HII benefits coverages. you will need to name your then get the tobacco-free discount Please have this information ready beneficiary(ies). Beneficiaries should on your medical premium, saving when you log on to UPoint at be entered online (and kept up to you up to $660 a year. hiibenefits.com, or call the HIBC at date) to receive your benefit. Log 1-877-216-3222. on to UPoint at hiibenefits.com to enter this information, or call the HIBC at 1-877-216-3222.This Benefits Orientation guide is not a summary plan description, but it is a summary of benefits under the HuntingtonIngalls Industries benefit plans. Complete details about the plans are contained in the legal plan documents that govern planoperation and administration. If there is any discrepancy between the information provided in this guide and the provisionsof the plan documents, the plan documents will govern. If you have questions about your benefits, Huntington IngallsIndustries recommends contacting the plan’s member services department or the Huntington Ingalls Benefits Center at1-877-216-3222 for additional information. Huntington Ingalls Industries reserves the right to terminate, suspend, withdraw,amend or modify the plans at any time or for any reason. 20 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your costs for coverageMedical plans non-tobacco preferred ratesCoverage level Anthem PPO Anthem CDHP TricareUnder $50,000Employee only $76.08 $42.35 $31.15Employee + child(ren)/DP child(ren) $129.23 $81.58 $61.15Employee + spouse/DP $166.92 $99.96 $61.15Employee + family $193.69 $122.31 $82.38$50,000 – $74,999Employee only $85.38 $46.73 $31.15Employee + child(ren)/DP child(ren) $145.00 $90.04 $61.15Employee + spouse/DP $187.34 $110.31 $61.15Employee + family $217.34 $135.00 $82.38$75,000 – $84,999Employee only $85.38 $46.73 $31.15Employee + child(ren)/DP child(ren) $145.00 $90.04 $61.15Employee + spouse/DP $187.34 $110.31 $61.15Employee + family $217.34 $135.00 $82.38$85,000 & aboveEmployee only $139.80 $95.84 $31.15Employee + child(ren)/DP child(ren) $219.50 $149.61 $61.15Employee + spouse/DP $282.81 $193.27 $61.15Employee + family $345.23 $227.50 $82.38Vision plansCoverage level Low plan Low + safety Medium Medium + High plan High + safety glasses safety glasses glassesEmployee only $4.20 $4.96 $6.72 $7.48 $11.76 $12.52Employee + child(ren)/ $7.92 $8.68 $12.67 $13.43 $22.17 $22.93DP child(ren)Employee + spouse/DP $8.05 $9.56 $12.90 $14.40 $22.56 $24.07Employee + family $13.20 $14.70 $21.13 $22.64 $36.98 $38.49Dental plansCoverage level Delta Preventive Delta Care Delta Care PlusEmployee only $1.73 $3.53 $6.36Employee + child(ren)/DP child(ren) $4.15 $7.85 $13.69Employee + spouse/DP $3.81 $7.85 $13.21Employee + family $6.92 $13.73 $23.47 21 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your costs for coverageOptional employee life insurance Optional accidental death andBased on employee age on Dec. 31. dismemberment insuranceAge Bi-weekly rate per $1,000 of coverage Coverage level Bi-weekly rate perUnder age 25 $0.016 $1,000 of coverage Employee $0.01425–29 $0.019 Family $0.02330–34 $0.02535–39 $0.028 Long-term disability (LTD) insurance40–44 $0.03045–49 $0.047 Percentage covered Monthly rate per $100 of covered salary50–54 $0.072 50% Free55–59 $0.138 60% $0.1060–64 $0.207 70% $0.2165–69 $0.41170 and over $0.658 Example of how to calculate LTD coverage at 60% Annual salary = $45,000.00Optional spouse life insurance $45,000.00 ÷100 = $450Based on employee age on Dec. 31. $450 x 0.213 = $95.85/yrAge Bi-weekly rate per $1,000 of coverage $95.85 ÷ 26 = $3.69/paycheckUnder age 25 $0.01625-29 $0.01930-34 $0.02535-39 $0.02840-44 $0.03045-49 $0.04750-54 $0.07255-59 $0.13860-64 $0.20765-69 $0.41170 and over $0.658Optional child life insuranceCoverage level Bi-weekly rate$10,000 $0.462$20,000 $0.923$30,000 $1.385 22 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Your costs for coverageCritical illness coverageBased on employee’s age.Age Weekly rate per $1,000 Non-tobacco user Tobacco userEmployee-only45-49 $0.475 $0.76655-59 $1.015 $1.72665-69 $2.234 $3.918Employee + children45-49 $0.577 $0.86355-59 $1.117 $1.82865-69 $2.335 $4.015Employee + spouse45-49 $0.692 $1.10355-59 $1.412 $2.37765-69 $3.018 $5.257Employee + children + spouse45-49 $0.794 $1.20555-59 $1.509 $2.47865-69 $3.120 $5.358Rates guaranteed through June 30, 2022.Legal plans Accident insurancePlan Bi-weekly rate Coverage level Bi-weekly rateAdvantage $6.23 Employee only $2.82Basic $3.12 Employee + child(ren) $5.51 Employee + spouse $4.67Hospital indemnity Employee + family $7.37Coverage level Bi-weekly rateEmployee only $7.034Employee + child(ren) $12.134Employee + spouse $17.105Employee + family $22.205 23 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
Benefit contactsFor questions about Vendor Phone WebsiteAll HII benefits Huntington Ingalls 1-877-216-3222 www.hiibenefits.com Benefits Center (HIBC) (overseas: 408-916-9765)Medical/Rx and other health care plans/resourcesAnthem plans Anthem 1-844-465-7237 www.anthem.com/ca or www.engage-wellbeing.com (app)Prescription drug benefits CVS/Caremark 1-844-287-1289 www.caremark.comBeWell for Life QuadMed 757-327-4200 www.myquadmed.com/hiiHII Family Health CenterTeladoc Teladoc 1-800-TELADOC www.teladoc.com/hii or download the Teladoc appTRICARE Supplement Plan TRICARE 1-800-638-2610, ext. 255 www.asicorporation.comVida Vida www.vida.com/hii or download the Vida appMaven Maven www.mavenclinic.com/join/HII2021Dental and visionDental Delta Dental 1-800-237-6060 www.deltadental.comOnsite Dental 757-856-5051 hii.onsitedental.comVision VSP 1-800-877-7195 www.vsp.com (HII group # 30022911)HII Family Vision Center 757-327-4188Financial benefits and resourcesDisability Prudential 1-800-842-1718Flexible spending accounts Your Spending 1-877-216-3222 UPoint on www.hiibenefits.com(FSAs) and commuter Accounts (YSA)benefitsHISP 401(k) account Alight 1-877-216-3222 UPoint on www.hiibenefits.comSmartPath financial SmartPath www.onsmartpath.com/hiicoachingAlight Protection Program Alight 1-877-216-3222 UPoint on www.hiibenefits.comfor 401(k) securityOther benefitsCritical illness, accident MetLife 1-800-438-6388 www.metlife.cominsurance and hospitalindemnityGroup legal MetLife Legal Plans 1-800-821-6400 www.legalplans.com 24 Enroll within 31 days of your date of hire at hiibenefits.com or 1-877-216-3222
