Consumer Driven Health Plan

The Anthem CDHP under the Northrop Grumman Health Plan uses the Blue Cross Blue Shield network.

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

	Employee	Employee + Spouse	Employee + Child(ren)	Family
HRA Dollars - Provided by Northrop Grumman annually	$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