My SAIC · PDF file4 My SAIC Benefits Medical Advantage and Essential Plans For 2018, you have two Consumer Directed Health Plan (CDHP) options to choose from: Advantage Plan

My SAIC BenefitsYour Benefits Highlights and How-To Guide

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My SAIC Benefits

Inside This GuideOur 2018 Benefits Program ......................................................................... 3

Medical – Advantage and Essential Plans ................................................. 4• How the Plans Work ..................................................................4• How the Plans Pay for Covered Expenses ....................................5 • When Deductibles Apply ............................................................6• What You Should Know about Your Deductible

and Out-of-Pocket Maximum .......................................................7Health Care Resources .................................................................................. 8

• Teladoc ....................................................................................8• Wellness Program .....................................................................8

Other Medical Plans ...................................................................................... 9• Kaiser Plans .............................................................................9• Cigna International Plan .............................................................9

Prescription Drugs ....................................................................................... 10• How the Plan Works ................................................................10• What Happens When You Need to Fill a Prescription ..................10

Using Your Health Savings Account (HSA) ................................................ 11Flexible Spending Accounts (FSAs)............................................................ 12Commuter Program. .................................................................................... 13Other Important Benefits ............................................................................ 14

• Dental ....................................................................................14• Vision ....................................................................................15• Basic Life ...............................................................................16• Supplemental Life ...................................................................16• Basic Accidental Death & Dismemberment (AD&D) ....................16• Supplemental AD&D ................................................................16• Business Travel Accident (BTA) .................................................16• Disability Coverage ..................................................................17

– Short-Term Disability/Maternity .............................................17 – Voluntary Long-Term Disability ...............................................17

Employee Assistance Program .................................................................. 17Voluntary Benefits ....................................................................................... 18

•Critical Illness Insurance. .........................................................18•Everyday Accident Insurance .....................................................18•Group Long Term Care Insurance ..............................................18•Hospital Indemnity Insurance ....................................................18•Identity Theft Protection ...........................................................19•Legal Plan ...............................................................................19•Pet Insurance ..........................................................................19

Employee Stock Purchase Plan (ESPP) .................................................... 19Retirement Plan – 401(k) Plan .................................................................. 19Comprehensive Leave and Holidays .......................................................... 19Eligibility ........................................................................................................ 20 Benefits How-To Guide ................................................................................ 21Contacts ........................................................................................................ 32

Benefits How-To GuideCheck out this quick reference guide for help managing and using your benefits. Find tips, advice, resources and simple step-by-step instructions to help you take action. See page 21.

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My SAIC Benefits

Our 2018 Benefits Program SAIC is committed to providing a competitive and meaningful benefits program for you and your family. These benefits:• Provide support for health and well-being• Focus on accountability, preventive care and wellness support• Encourage you to make more informed choices about your health care and costs• Provide financial protection and support for you and your family Before enrolling, use this guide and other resources available to you on mysaicbenefits.com for decision-making support. SAIC provides you a valuable array of benefits and programs to help meet the health and welfare needs of you and your family.

Medical • Advantage Plan – Anthem• Essential Plan – Anthem • Kaiser Mid-Atlantic (DC, MD, VA)• Kaiser California• Kaiser Hawaii• Cigna International Plan• TRICARE Supplement

Dental • Dental PPO – Aetna • Dental HMO – Aetna• Cigna International Dental Plan

Vision • Coverage through VSP

Health Savings Account

• Available with the Advantage and Essential Plans

Flexible Spending Accounts

• Limited Purpose Health Care FSA• Health Care FSA• Dependent Care FSA

Disability • Short-Term Disability/Maternity• Voluntary Long-Term Disability

Life and AD&D • Basic and Supplemental Life and AD&D• Basic and Supplemental Dependent Life• Business Travel Accident

Commuter Program • Tax-advantaged program through WageWorks

Voluntary Benefits • Critical Illness Insurance• Everyday Accident Insurance• Group Long Term Care Insurance• Hospital Indemnity Insurance• Identity Theft Protection• Legal Plan• Pet Insurance

Your 2018 Benefit OptionsCovering a Spouse or Domestic Partner?

On average, spouse and domestic partner claims are more than 60 percent more expensive than employee medical claims in the Advantage and Essential Plans. SAIC will continue to offer coverage to all spouses and domestic partners but at a somewhat higher cost to help cover the additional expense.

Consider all of your medical plan options (SAIC and others) and select the plan that works best for you and your family. You may find that you can save money by having some family members covered by SAIC’s medical plan and others covered by the medical plan offered to your spouse or domestic partner.

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My SAIC Benefits

MedicalAdvantage and Essential PlansFor 2018, you have two Consumer Directed Health Plan (CDHP) options to choose from:

Advantage Plan

Essential Plan

Both plans are administered by Anthem and provide:

• Flexibility to see any provider you wish, but you’ll get more value when you use in-network providers

• Preventive care covered 100 percent

• Prescription drug coverage, with greater savings when you use generics and the mail order pharmacy

• A Health Savings Account (HSA) to help you pay for eligible expenses with pre-tax dollars, as well as to save for future health care expenses

How the Plans Work

Preventive Care: You pay nothing when you use an in-network provider

Annual Deductible

You pay 100% of the cost of medical care including prescriptions* until you

meet the deductible

Coinsurance

After meeting your deductible, you’ll pay a

portion of the cost and the plan pays the rest.

Out-of-pocket Maximum

Once you reach your out-of-pocket maximum, the plan pays 100% of the cost of

care for the rest of the plan year.

2018 Medical Plan Contributions

Your contribution depends on who you cover and the medical plan option you choose. Go to the enrollment site to see your 2018 medical plan contributions.

Don’t forget! You can use pre-tax dollars from your HSA to pay for these expenses.

*Preventive medications are not subject to the deductible

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My SAIC Benefits

How the Plans Pay for Covered ExpensesAdvantage Plan Essential Plan

In-Network Out-of-Network In-Network Out-of-Network

Annual Deductible1

• Individual• Family2

$1,350$2,700

$1,350$2,700

$2,000$4,000

$2,000$4,000

Out-of-pocket Maximum3

(includes deductible)• Individual• Family2

$3,000$6,000

$3,000$6,000

$6,000$12,000

$6,000$12,000

Your cost for covered servicesPreventive care $0

(no deductible)50% after deductible

$0 (no deductible)

50% after deductible

Office visits 20% after deductible




Emergency room care (for true emergencies)





Urgent care provider 20% after deductible




Most other covered care, including hospital inpatient and outpatient care





If you are enrolled in the Advantage or Essential Plan and have a non-emergency medical issue, you can speak with a doctor by phone or video conference through Teladoc. Your 2018 cost is $42 or less per consultation. See page 8 for more information.

1 In-network and out-of-network deductibles do not cross-accumulate.2 Employee + Family coverage includes all dependent coverage levels (spouse, child(ren), and family).3 In-network and out-of-network out-of-pocket maximums do not cross-accumulate.

Take Care of YouPreventive care is covered 100 percent for in-network providers. That’s because preventive care is the most effective way to identify health problems early, when they’re most treatable.

Your preventive care benefit includes annual physicals, well-baby/child checkups, many immunizations and recommended screenings. Use all of these benefits to make sure you’re getting the best value from your plan and maintaining your good health.

Your Explanation of Benefits (EOB) is a statement sent by Anthem explaining what your plan paid and what you owe for any medical procedures and/or services you received.

It’s important to carefully review your EOB to ensure that all services are listed correctly, and match the copy of the bill you received from your doctor.

Avoid Billing Mistakes

When receiving preventive care, make sure your physician correctly bills the visit as preventive rather than diagnostic.

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My SAIC Benefits

When Deductibles ApplyIt’s important to know what your medical plan covers and your share of the cost. Your deductible applies to all care other than preventive and lab charges associated with preventive care. For example, your deductible applies for the following in-network services:

Primary doctor or specialist visit for illness, injury or chronic condition

Lab charges for tests associated with “sick” doctor visit

Outpatient services

Emergency room visits

Inpatient hospital stays

Non preventive prescription drugs

Remember, you can use money in your Flexible Spending Account (FSA) or Health Savings Account (HSA) to cover your annual deductible.

Find an In-Network Doctor

When you see an in-network doctor, you’ll get the best value. To find an in-network provider, go to www.anthem.com/saic.

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My SAIC Benefits

What You Should Know About Your Deductible and Out-of-Pocket MaximumYour deductible depends on who you cover:

The out-of-pocket maximum works differently:

Employee-Only CoverageFor employee-only coverage, you meet the individual deductible.

Employee-Only CoverageFor employee-only coverage, you meet the individual out-of-pocket maximum.

Spouse/Domestic Partner and/or Children Coverage If you enroll your spouse or domestic partner and/or children,

you and your dependents must meet the full family deductible before the plan shares in the cost of non-preventive care.

Spouse/Domestic Partner and/or Children Coverage

Once a family member meets the individual out-of-pocket maximum, the plan begins paying 100 percent for that individual.

If you enroll your spouse or domestic partner and/or children …

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My SAIC Benefits

A Great Resource for Your Health

If you are enrolled in the Advantage or Essential Plan, you have access to Teladoc, a service that helps you resolve non-emergency medical issues – like sinus infections, cold and flu symptoms, urinary tract infections, allergies or bronchitis – at any time from wherever you happen to be.

Teladoc provides phone and video conference access to a national network of U.S. board-certified doctors and pediatricians who are available at any time to diagnose, treat and prescribe medication (when necessary) for many medical issues. The cost to you for a Teladoc consultation is $42 or less.

To get started, visit www.teladoc.com/doctornow and click “Set up account,” then provide the required information and set up a personal profile to use the service. For more information, go to www.teladoc.com/doctornow or call 800-Teladoc (800-835-2362).

Teladoc: Quality Care from Home, Work or On the Go

SAICCare

We offer wellness activities and challenges to help keep you engaged in your personal health and fitness. Incentives are tied to SAICCare’s Wellness Program participation, and they include money deposited into your Health Savings Account (HSA).

Raffle prize opportunities will be available to benefits eligible employees who are not HSA eligible.

In addition, expectant moms who are enrolled in the Advantage or Essential medical plans and are HSA eligible can earn up to an additional $2,000 in company HSA dollars by completing the pregnancy wellness program.

Look for more details about the 2018 SAICCare Wellness Program on mysaicbenefits.com.

When you complete 2018 wellness program activities, you earn more:

Up to $1,000 if your base salary is under $100,000 as of Jan 1, 2018 or

date of hire, whichever is earlier

Up to $500 if your base salary is $100,000 or more as of

Jan. 1, 2018 or date of hire, whichever is earlier

For purposes of compliance, an employee may not be able to earn the full wellness incentive if it exceeds the allowable amount set forth by regulations.

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My SAIC Benefits

Other Medical PlansSAIC offers other medical plans in a few select locations, including the TRICARE Supplement Plan and Kaiser Plans in California, Mid-Atlantic and in Hawaii. SAIC also provides the Cigna International Plan for employees who are on long-term international assignments and reside abroad.

Kaiser PlansEmployees in California, Mid-Atlantic and Hawaii have a Kaiser HMO medical plan option. HMOs require you to receive all medical care exclusively from the HMO’s network of providers in order to receive benefits. When you enroll in an HMO, you, as well as your covered dependents, may need to select a primary care physician (PCP) to coordinate routine medical care and specialist referrals. The plans include a prescription drug benefit.

This chart shows highlights of the Kaiser Plans for California, Mid-Atlantic and Hawaii for 2018:

Kaiser Plans California and Mid-Atlantic HawaiiPlan Features

Annual Deductible $1,000/individual$2,000/family

None

Annual Out-of-Pocket Maximum $3,000/individual$6,000/family

$2,000/individual$6,000/family

Your Cost of Medical Care 20% coinsurance Office Visit: $15 copayLab and X-ray: 10% coinsuranceOther service charges may vary

Health Savings Account (HSA) Not permitted by law Not permitted by lawCovered ServicesPrimary care/specialist office visits

$20 copay/primary care and specialist visits

Copay varies by service

All other covered care Meet the deductible, then pay your share of costs (20%)

Copay varies by service

Cigna International PlanIf you are an expatriate who is scheduled to be on an overseas assignment for at least six months, you may be eligible to elect coverage through the Cigna International Plan. The Cigna International Plan provides coverage for the health and safety needs of our overseas employees.

See below for plan highlights of the Cigna International Plan for 2018:

Cigna International Plan

Outside U.S. In-Network Inside U.S. Non-Network Inside U.S.

Deductible $200/individual$400/family



Out-of-Pocket Maximum $1,250/individual$2,500/family



Coinsurance (your share) 15% 20% 40%Hospital Stays $200 copay, then 15% $250 copay, then 20% $250 copay, then 40%Health Savings Account (HSA) Not permitted by law

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My SAIC Benefits

Prescription Drugs When you enroll in the Advantage or Essential Plan, you automatically receive prescription drug coverage administered by Express Scripts.

How the Plan Works Under both the Advantage and Essential plan options, you must meet the annual deductible before the plan begins sharing the cost for prescription drugs. The deductible does not apply to certain preventive drugs, such as medications to treat and prevent hypertension, high cholesterol and asthma. Visit the Express Scripts website at www.express-scripts.com/saicrx to see a list of approved preventive medications and to compare drug costs.

Here’s a closer look at the cost for your prescription drugs.

Retail and Mail Order Prescriptions

Advantage Plan Essential Plan

In-Network Out-of-Network In-Network Out-of-Network

Generic $5 after deductible $5 after deductible

Formulary (preferred brand) 20% after deductible 20% after deductibleNon-formulary (non-preferred brand)

50% after deductible 50% after deductible

Note: If you purchase a brand-name drug when a generic is available, you will pay the difference in cost between the generic and brand-name drug. This amount does not count toward the deductible or out-of-pocket maximum.

What Happens When You Need to Fill a Prescription

You have two options for filling prescriptions:

At an Express Scripts network pharmacy (many major chains are included). To access a list of participating pharmacies near you, visit www.express-scripts.com/saicrx.

Through the mail order pharmacy. This allows you to get a 90-day supply of medications you take regularly at a reduced cost and with the convenience of home delivery. Sign up at the Express Scripts website.

Remember! You can use tax-free dollars in your HSA or FSA to cover your out-of-pocket prescription drug costs.

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My SAIC Benefits

Using Your Health Savings Account (HSA)Both the Advantage and Essential Plans feature a health savings account (HSA), designed to help you save for current and future medical expenses.

WageWorks administers the HSA and opens an account for you at BNY Mellon. To view your HSA information online, register with WageWorks, if you have not already done so. Go online to WageWorks and click “Log in/Register”. You’ll need to confirm your contact information and create a user name and password.

EligibilityYou are eligible to enroll in an HSA when you elect the Advantage or Essential medical plans, and you are not eligible if you are:

• Claimed as a dependent on anyone else’s tax return

• Covered by any other non-CDHP medical insurance, such as:

– TRICARE

– Your spouse/domestic partner’s medical plan

– Medicare Parts A or B

• Enrolled in a Health Care FSA

A Note about the HSA and Domestic Partners

Based on federal law, expenses for domestic partners and non-tax dependents cannot be reimbursed through your HSA. However, if you cover a domestic partner, your domestic partner may be eligible to open his or her own HSA through a separate banking entity and contribute up to the family maximum.

1. Money goes into your account in two ways:

• You make pre-tax contributions, up to $3,450 for employee-only coverage; or $6,850 for all other coverage levels. If you are older than age 55 at any point during 2018, you can make an additional $1,000 contribution.

• You make after-tax contributions, if you choose, at any time during the year by sending a check to WageWorks.

2. Money leaves your account when you use it for eligible expenses:

• Use the HSA debit card directly at the point of purchase, or pay out of pocket and then reimburse yourself from your HSA later. Use it to pay for:– Deductible– Coinsurance – Prescription drugs

3. Your account grows…and grows!

• The funds in your account roll over from year to year, and there is nolimit to how much you can accumulate over time. You’re never taxedon this money as long as it’s used for eligible expenses. Once yourbalance reaches $1,000, you can choose to invest it in a range offunds through WageWorks.

Making Changes to Your HSA Contributions

Whatever the reason, you can change your HSA contribution throughout the year. Log into www.saicbenefits.com and click Report a Life Event then Change HSA Contributions to make a change.

Three Things You Should Know about the HSA

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My SAIC Benefits

Flexible Spending Accounts (FSAs)SAIC offers the following FSAs through WageWorks:

Limited Purpose Health Care FSA

Health Care FSA

Dependent Care FSA

All three of these accounts offer tax savings on eligible expenses, but differ from an HSA in a few important ways:

• The Health Care and Limited Purpose Health Care FSA has an annual contribution limit of $2,650 pre-tax dollars.

• The funds in your account do not roll over from year to year, and funds remaining in the account after the deadline are forfeited. You’ll also forfeit the funds in your account if you leave SAIC.

• You may not enroll in the standard Health Care FSA if you enroll in an HSA.

• If you enroll in an HSA, you may enroll in the Limited Purpose Health Care FSA to cover eligible dental and vision expenses.

How the FSAs Work• You decide how much to set aside for eligible health care or dependent care expenses for 2018.

• You must re-enroll every year to participate.

• Estimate carefully, because you can only change the amount you contribute to your FSA if you have a qualified life event during the year. You also will forfeit any funds in your account at the end of the plan year. You have until April 30, 2019 to file claims for 2018.

• Money is taken from your pay pre-tax, which lowers your taxable income. You’ll never be taxed on the money you use for eligible expenses.

• You can have your FSA reimbursements deposited directly into your bank account.

If you’re enrolled in an Health Savings Account (HSA), you can enroll in a Limited Purpose Health Care FSA to cover eligible dental and vision expenses – but not a standard Health Care FSA.

Tip!

Before electing your FSA contribution amount for 2018, review how much you spent on health care in 2017. Decide whether you’ll need more or less for next year, and then make your election.

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My SAIC Benefits

The Dependent Care FSA You can use the Dependent Day Care FSA for eligible care expenses relating to dependent children or adults:

• Child care for your child(ren) who are under age 13, as long as the care provider is not another child of yours who is under age 19

• Care for anyone you claim as a tax exemption on your federal income tax return, such as aging parents in your care

The annual contribution limit for this FSA is $5,000 – or $2,500 for married couples filing separately. You can only be reimbursed up to your current account balance when your claim is filed, and you must re-elect your Dependent Care FSA plan each year.

Three Options for Receiving Reimbursement for Eligible Expenses 1. Health Care Debit Card. You can use a WageWorks health care debit

card at select pharmacies, health care providers and retailers that have an IRS-approved inventory and checkout system. Be sure to keep each receipt for tax purposes.

2. Pay Me Back. You can claim funds from your FSA online or by completing a form. Most claims are processed within one to two days after they are received and payments are sent shortly thereafter. You will receive a check in the mail if you do not complete the direct deposit information with WageWorks before submitting the claim form.

3. Pay My Provider Online. At WageWorks online, you can pay many eligible health care expenses directly from your FSA by entering the provider’s name and other requested information and then submitting backup documentation.

For more information on flexible spending accounts and eligible expenses, visit the WageWorks website.

Download the WageWorks EZReceipt mobile app for convenient payment processing. Simply, take a picture of your receipt using your mobile device and submit it for reimbursement. Visit the WageWorks website for more information.

Commuter ProgramThe Commuter Program, administered by WageWorks, lets you use pre-tax dollars to pay for your transit and parking expenses related to getting to/from work. You can set aside:

• Transit expenses: up to $260 pre-tax per month to cover the cost of buses, trains, subways, etc.

• Parking expenses: up to $260 pre-tax per month to cover the cost of parking near your place of work or near your place of commuting to work.

You decide how much to contribute to a transit or parking expense account – or choose to contribute to both – up to the IRS limits. You contribute to the account through payroll deduction, pre-tax – saving you 20-40 percent on commuter and parking expenses and increasing your spendable income. You have the freedom to change or stop your contributions at any time. If you spend money to commute to work, take a closer look at this benefit. You’ll be glad that you did!

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My SAIC Benefits

DentalYou have two Dental Plan options to choose from:

Aetna Dental PPO Plan

Aetna Dental HMO Plan

The dental options include coverage for:

• Preventive care and diagnostic services, such as exams, cleanings and X-rays

• Basic restorative and major services, such as fillings, crowns and dentures

• Orthodontia for children and adults

What the Dental Plan Covers

Aetna Dental PPOAetna Dental

HMO*

Cigna International Dental Plan

In-Network Out-of-Network

Annual Deductible $50/person No deductible $50/person $150/family

Annual Maximum Benefit $1,500/person No maximum $1,500/personPreventive care (exams, cleanings, fluoride application)

100%, no deductible

100% of R&C, no deductible

100% 100%, no deductible

Diagnostic X-ray services 90% 80% of R&C 100% 100%Basic care including oral surgery and fillings

90% 80% of R&C 100% after copay, if applicable

80%

Major care including crowns, bridges and dentures

60% 50% of R&C 100% after copay, if applicable

50%

Orthodontia 50% up to $2,500/ person lifetime

maximum

50% up to $2,500/ person lifetime

maximum

100% after $1,545 copay; other fees may

apply per dental care schedule

50% after separate $50 lifetime

deductible; up to $1,500/person

lifetime maximum

Good dental health is important to your overall health and well-being.

Make time for regular preventive dental care. It can help you catch potential medical issues and avoid major dental care later!

Other Important Benefits

* The Aetna Dental HMO Plan is not available in all service areas. Employees must use an in-network provider with the DHMO.

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My SAIC Benefits

VisionSAIC offers vision coverage through VSP.

Covered Services (once per calendar year)

VSP provider Non-VSP provider

Vision exam 100% after $20 copay Up to $45 after $20 copay

Lenses 100% for: • Single vision • Lined bifocal • Lined trifocal

(20% discount on lens options)

Up to the following amounts after $20 copay:

• $30/single vision • $50/lined bifocal • $65/lined trifocal • $50/progressives • $100/lenticular

Frames Up to $180(20% discount on upgrades)

Up to $70 after $20 copay

Contacts (in lieu of lenses and frames)

$180 allowance(15% discount on exam, then

100% after $60 copay)

Up to $105(applies to fitting and evaluation

and to contacts)Medically necessary contact lenses (in lieu of lenses and frames)

100% Up to $210

The vision plan also provides discounts on laser vision correction surgery.

Tip!

Before you make a dental or vision election, it’s a good idea to review the coverage you currently have and think about what you’ll need in 2018.

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My SAIC Benefits

Basic LifeIf you are eligible, you will automatically receive Basic Life insurance for yourself, your covered spouse/domestic partner and your children. The coverage amount equals 1 times annual base pay up to a maximum of $500,000. Coverage for your eligible dependents equals $2,000 per person. SAIC pays the full cost of Basic Life.

Note: Basic Term Life benefit amounts over $50,000 are subject to income tax. The income tax amount added to your W-2 is calculated based on the value of the premium paid by SAIC for coverage amounts over $50,000. This is called “imputed income.” Employees have the option to choose a coverage amount of only $50,000 to avoid imputed income.

Supplemental LifeYou can purchase Supplemental Life insurance for yourself or your dependents. You pay the full cost for this coverage, after-tax. You can purchase coverage in amounts equal to one-half up to six times annual base pay, to a maximum of $1,500,000. You will need to provide evidence of insurability (EOI) if you purchase amounts over $750,000. During Annual Enrollment, you may increase your supplemental life coverage amount by one level, up to $750,000 without providing EOI.

Basic Accidental Death and Dismemberment (AD&D)Basic AD&D provides benefits to your beneficiary if you pass away as the result of an accident. If you are injured as the result of an accident, you will receive a percentage of your coverage based on your injury.

Eligible employees will automatically receive Basic AD&D coverage equal to one times your annual base pay. The maximum benefit is $250,000. SAIC pays the full cost of Basic AD&D.

Supplemental AD&DYou can purchase additional AD&D insurance for yourself or your dependents. You pay the full cost of this coverage, pre-tax.

You can purchase voluntary AD&D in amounts equal to one-half up to 10 times your annual compensation, to a maximum of $1,000,000.

Business Travel Accident (BTA)Business Travel Accident provides benefits to your beneficiaries if you have an accident while traveling on company business that results in death. The coverage may also provide benefits if you are injured while traveling on company business. You may receive a percentage of your coverage based on your injury.

The coverage amount equals 3 times annual base pay up to a maximum of $300,000.

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My SAIC Benefits

Disability CoverageSAIC provides two disability plans – short-term disability/maternity and long-term disability. Both plans provide financial protection for you and your family if you are unable to work because of a medical condition, including pregnancy.

Short-Term Disability/Maternity Program

Short-term disability/maternity coverage is 100% paid by SAIC and automatically provided to you. The Plan provides income replacement at a percentage during the period of disability.

Voluntary Long-Term Disability (LTD)

LTD begins after you have been disabled for more than 26 weeks and pays 60 percent of your covered monthly base salary and your prior calendar year cash bonus (where applicable). This monthly payment is subject to a maximum, which is $15,000 per month.

(If you previously waived coverage and want to enroll in LTD for 2018, you will be subject to medical underwriting and required to complete the Evidence of Insurability Form.)

You pay the full cost of LTD coverage.

Employee Assistance ProgramWhen you or your covered dependents need support, the Employee Assistance Program (EAP) through Cigna Behavioral Health is there to help. The EAP is a free, confidential counseling, personal assessment and referral service to help you navigate life’s twists and turns.

Your sessions with EAP counselors are confidential and will not be shared with SAIC or another third party. For more information, contact Cigna Behavioral Health at 888-854-5691, or visit Cigna Behavioral Health’s website and enter “SAIC” as your access code.

Note, if hospitalized at least 24 hours as an inpatient during the first week of disability, the plan will provide coverage at 100% with a maximum weekly benefit of $4,808 for the first week.

Weeks 2 – 10 Weeks 11 – 19 Weeks 20 – 26

100% 80%

$4,808Maximum weekly benefit:

$3,846 $3,202

66 %2/3

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My SAIC Benefits

Voluntary BenefitsYou will have four coverage options to help pay some of your out-of-pocket medical or living expenses and give you peace of mind. During enrollment, you can choose:

Critical Illness: Provides a lump sum benefit if you are diagnosed with a covered critical illness (e.g., heart attack, stroke, major organ transplant).

Everyday Accident Insurance: Provides a lump sum benefit in case of an accident and can reduce any likely out-of-pocket expenses.

Group Long Term Care: Provides coverage for extended custodial care in nursing homes and assisted living centers, as well as coverage for home health care and hospice care.

Hospital Indemnity Insurance: Provides coverage for a hospital stay (including pregnancy), ambulance service, surgery and some inpatient and outpatient services.

What you should know:

• These benefits offer supplemental medical coverage and are not intended to replace your medical plan benefits.

• Payments are made directly to you and have no impact on your medical coverage. Use benefits to help cover your annual deductible or pay your share of out-of-pocket costs under your medical plan or ongoing living expenses.

• You do not have to be enrolled in an SAIC medical plan to participate in these plans – coverage is available to all benefits eligible employees. Expats are not eligible for many voluntary benefits, e.g., critical illness, hospital indemnity, everyday accident, and group long term care.

Please note that you are responsible for the full premium on an after-tax basis when you elect any of these voluntary benefits.

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My SAIC Benefits

Additional Benefits for More Support and Protection

Identity Theft ProtectionThis benefit protects and restores your identity and finances by continuously monitoring and investigating fraudulent activity, tracking web presence of compromised information and restoring your good name and standing.

Legal PlanThe plan provides attorney consultations for a range of legal matters with most services covered in full through the plan’s attorney network.

Need Help with Pet Care Expenses?You can also purchase Pet Insurance, which provides coverage for out-of-pocket expenses associated with veterinary costs. Visit any veterinarian of your choice, and choose the plan that best fits your needs.

You are responsible for the full premium on an after-tax basis when you elect any of these voluntary benefits.

Employee Stock Purchase Plan (ESPP)The ESPP is a convenient way to own a piece of SAIC and share in our success as the company grows and continues to be a premier technology integrator.

Through the ESPP , SAIC employees contribute one to ten percent of eligible compensation through convenient after-tax payroll deductions to purchase shares quarterly at a five percent discount.

Go to www.saicespp.com to watch an instructional video about the plan and a tutorial on how to enroll.

Retirement Plan (401(k) Plan)The SAIC Retirement Plan offers a convenient way to save for your future. The 401(k) Plan offers valuable tax advantages and other benefits to help you meet your financial goals.

You can save by deferring a Pre-tax or Roth contribution into your personal account each pay period.

Go to vanguard.com to take advantage of many investment and retirement resources on the site and to enroll.

Comprehensive Leave and Holidays

You can find the current comprehensive leave accrual schedules and current holiday schedule at www.saicbenefits.com. For all questions please contact our Shared Services Center at 866-955-7242 (option 3) or check with your HR Business Partner.

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My SAIC Benefits

Eligibility For most SAIC benefits, eligible employees include those who are regularly scheduled to work 24 hours or more per week and are in a benefits eligible fringe benefit package. Part-time employees working between 24 and 29 hours per week may have to pay more for certain benefits such as medical premiums.

Eligible DependentsEligible family members include:

• Your legal spouse or registered domestic partner

• Dependent children to age 26, regardless of student status

– Children include your legally adopted children, children placed with you for adoption, stepchildren or legally adopted grandchildren living in your home and dependent on you for support, and children of your domestic partner.

• Unmarried children beyond the age of 26 who are incapable of self-support due to physical or mental disability

Note: The law requires that you are taxed on contributions for medical and dental coverage for your domestic partner and the children of your domestic partner, unless those children are considered tax-dependents.

Enroll for 2018You will receive information by email with directions on how to enroll. For more details on how to enroll, visit mysaicbenefits.com.

IRS regulations require that, once enrolled, you may not change your benefit elections until the next enrollment period – unless you experience a qualified life event. A qualified life event may allow you to change your level of coverage and switch plans within 31 days of the event. The change must be consistent with the life event.

Dependent Eligibility Verification (DEV)Be prepared to verify your new dependent(s) at the end of enrollment. Failure to provide the requested documentation within the specified time frame will result in your dependent being removed from our plans. Here are examples of acceptable eligibility verification documents:

• Proof of marital status – redacted tax return or marriage certificate

• Proof of domestic partnership – proof of registration with a state or local domestic partner registry, residency document, joint ownership document

• Proof of parent – birth certificate, hospital record, adoption paperwork, report of birth abroad, legal guardianship document

Availability of Summary Health Information

SAIC is committed to providing the benefits and programs that support the health and well-being of employees and their families. To help you make an informed choice, SAIC provides a Summary of Benefits and Coverage (SBC), which summarizes important information about health coverage options. The SBC is available on the benefits enrollment website. A paper copy is also available, free of charge, by contacting the Shared Services Center HR (SSC HR) at [email protected] or by phone at 866-955-7242, select option 3. Assistance is available Monday – Friday, 8:00 a.m. – 6:00 p.m. ET.

You must provide your dependent’s Social Security Number if he or she is enrolled in an SAIC medical plan.

mailto:[email protected]

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My SAIC Benefits

How Do I?

This guide provides help for common “How Do I?” questions. Use it to make the most of your SAIC benefits, resources and tools.

MedicalCompare medical plan options that are available to me based on estimated expensesWhen you log into www.saicbenefits.com and complete your enrollment or life event change, access the Medical Cost Modeler tool on the medical enrollment page to compare the value of each plan. This tool helps you understand how personal medical utilization directly impacts your health care costs. It allows you to compare the expected medical expenses for you and your family within each medical plan to see which plan is right for you. Armed with this information, you can better understand what health care really costs and select a plan that optimizes your enrollment choices.

Follow the step-by-step instructions below to learn how to use the Medical Cost Modeler tool.

1. On the medical enrollment page, select Change.

2. Select the plans you want to review and click Estimate.

3. Click Begin Now to access the Medical Cost Modeler tool.

4. Select the dependents you want to cover.

5. Complete the personal Medical Cost Chart by selecting the number of services you and any covered dependents might use in 2018. When entering services, you may want to review past medical experience to assist you with estimating future claims. Select or enter that number in the appropriate columns under “Number of Services for Covered Family Members.” For example, if you estimate one Doctor Visit, enter the number “1.”

The Modeler will automatically total the costs at the bottom of the chart. Once you have finished entering this information click Continue.

Benefits How-To Guide

Continued

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My SAIC Benefits

6. Based on the information provided, the Medical Cost Modeler Tool will estimate your anticipated annual costs based on health care utilization and annualized premiums. You then have the power to select which medical program is right for you.

Find an in-network doctorWhen you see an in-network doctor, you’ll get the best value. To find an in-network provider, go to www.anthem.com/saic.

Avoid billing mistakes• When receiving preventive care, make sure your physician correctly bills the visit as preventive

rather than diagnostic

• Review your Explanation of Benefits (EOB) statement carefully, even if you do not owe any money. Your EOB is a statement sent by Anthem explaining the medical procedures and/or services you received, what they cost and how your plan processed the claim. Review your EOB to ensure that all services are listed correctly, and match the copy of the bill you received from your service provider. Note, an EOB is not a bill.

To view your claim, log into www.anthem.com/saic and go to the Claims section. If you owe any money toward the claim, you’ll receive a copy in the mail.

• If you have a billing or claims issue, contact Anthem at 855-567-4698 or Health Advocate at 877-651-8787.

Compare medical plan options that are available to me based on estimated expenses continued


How Do I?

23

TABLE OF CONTENTS My SAIC Benefits

Save money on medical procedures and servicesUse Anthem’s Cost Estimator Tool to find costs for procedures, doctor’s office visits, lab tests and surgery before you go. Compare costs and quality ratings for local hospitals and facilities and determine which facility is right for you. Comparing facility costs and quality puts you in the driver’s seat to manage your health care. Register on www.anthem.com/saic.

Follow the step-by-step instructions below to learn how to use Anthem’s Estimate Your Cost tool.

1. Log into www.anthem.com/saic and click on the tool for Estimate Your Cost. You can update the person receiving care, location and distance for treatment facilities.

2. Select the procedure or treatment by typing in the search bar or using a letter to browse options.

3. You can sort the facilities by price, distance or facility name. By clicking on the facility’s name, you can view important information regarding quality such as specialty designations the facility has earned and awards the facility has received.

4. You can also review up to four facilities side-by-side to see how they compare to one another. When comparing facilities, research quality indicators as well as costs, such as patient ratings or check for Blue Recognitions and Awards. Facilities with recognition awards have demonstrated their expertise in providing quality care.

Remember, cost is only one factor you should consider when determining which facility to choose. When determining value, make sure to evaluate both quality of care along with cost.


How Do I?

Get help with health care and insurance-related problemsHealth Advocate provides additional health care support for questions about the CDHP options, HSA and health claims. Health Advocate can help you navigate the health care system and find resources and tools to support your needs. You can receive personalized assistance to help you and eligible family members resolve health care issues and claims – saving time and money! Visit the website, call 877-651-8787 or email [email protected].


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My SAIC Benefits

Need to see a doctor but don’t have time or can’t wait for an appointmentIf you’re enrolled in the Advantage or Essential Plans, you can contact Teladoc for help with non-emergency medical issues, such as cold and flu symptoms, bronchitis, respiratory infection, sinus problems, allergies, urinary tract infection and pink eye.

Doctors can diagnose, treat and prescribe medication for many medical issues by phone or online video consultation. The cost is $42 or less per consultation. After you meet the deductible, you pay a percentage of the cost based on the medical plan you’re enrolled in.

Here’s how it works:

1. Visit www.teladoc.com/doctornow and click Set up account. You will need to provide the required information and set up a personal profile to use the service. You can set up your profile online.

2. Request a phone or video consultation.

3. A U.S. board-certified doctor will review your electronic health records and respond to discuss your health issue or concern.

4. The doctor will recommend a treatment or, if necessary, phone a prescription into the pharmacy of your choice. You can request Teladoc to forward information regarding your consultation to your normal primary care physician.

Teladoc phone consultations are available 24 hours a day, seven days a week. Video consultations are available from 7 a.m. to 9 p.m. in your local time zone, seven days a week. You can also call 1-800-TELADOC with questions or for support.


How Do I?

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My SAIC Benefits

Prescription Drugs

Find a local participating Express Scripts pharmacyVisit the Express Scripts website, www.express-scripts.com/saicrx, and select the link to “Find a local participating pharmacy”. Enter a “Zip Code” or “City, State”. You will then be directed to participating Express Scripts pharmacies in your area.

Refill a prescription through the mail order pharmacyCall the automated refill system at 800-262-2234 or visit www.express-scripts.com/saicrx and click “Order Center.” Refills are typically received three to five days after your order is placed. You will need to register the first time you visit the website. Be sure to have your member ID number and applicable prescription number available.

Use the mail order pharmacy to fill a new prescriptionA new prescription can take up to 14 days to receive, if there are no issues with the prescription. Express Scripts typically ships within eight days of receiving a new prescription. To check the status of your order, contact Express Scripts at 800-262-2234 or www.express-scripts.com/saicrx.

How to Get Started

1. Contact Express Scripts at 800-262-2234 or visit the Express Scripts website to review your medications and determine the cost for a 90-day supply through mail order. Remember, you’re limited to a 30-day supply per fill at a retail pharmacy.

2. Provide a prescription for up to a 90-day supply with up to three refills (a total of one year’s supply) to Express Scripts.

Due to pharmacy regulations, existing prescriptions must be renewed annually – and sometimes more frequently if the medication is a controlled substance.

There are four ways to provide your prescription to Express Scripts:

1. Provider ePrescribing. Many providers can send a prescription directly to Express Scripts. Ask your provider if this option is available.

2. Call your provider. Ask your provider to send your new prescription to Express Scripts or to call 888-327-9791 for faxing instructions. Only your provider can fax your prescription.

3. Call Express Scripts. Express Scripts will fax a request to your provider, if you’d like. You must call the provider and let him/her know that Express Scripts will be sending a fax request for a prescription. If your provider does not respond to the fax request, the turnaround time may be affected. If you ask your provider to fax the prescription, or, if you ask for a new prescription, check two days after you made the request to be sure that the prescription was received.

4. Office visit to your provider. Once you have received your prescription from your provider, complete the mail order form available on the Express Scripts website and mail it with your prescription and payment to the address listed on the form. A new form must be completed for each prescribing provider and each individual family member.


How Do I?

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Find the price of your medication and check for lower-cost alternativesVisit the Express Scripts website, www.express-scripts.com/saicrx, and use the Price a Medication tool. Enter or select a drug name and get information such as brand name and generic alternatives, estimated cost, and whether or not the drug is covered under the plan. Simply look up the name of a medication to find lower-cost alternatives and potential savings. Then, print out the list of alternatives and savings and ask your doctor whether a lower-cost generic or preferred brand-name is right for you.

Follow the step-by-step instructions below to learn how to use Express Scripts’ Price a Medication tool.

1. Visit the Express Scripts website, www.express-scripts.com/saicrx, and click Go under the Annual Enrollment Information section.

2. Click on the plan that you want to learn more about.

3. Click on Compare prescription medication costs.

4. To more accurately prepare an estimate for prescription drug costs, click the radio button that best describes your gender. Select the appropriate age range in which you fall and type the full or partial drug name that you want to find out the cost for.

5. Select the drug name to choose the strength and form of the drug that you want to price.

6. Input the quantity and days’ supply needed for this medication.

7. Review the pricing details for the drug you selected. You can view the pricing for 30-day retail prescription cost and the 90-day mail order cost. Review this carefully.

If the drug you are researching has a generic equivalent available, the generic alternative will also appear in the estimate. There may be additional cost savings available to you if you take a generic medication. Before you choose to switch medications, it is important to speak with your doctor.


How Do I?

Find the list of preventive medications Remember, preventive medications are covered at 100% and not subject to the deductible. You can find a list of preventive medications covered by the CDHP medical plans by visiting www.mysaicbenefits.com.

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My SAIC Benefits

Dental

Locate an in-network dentistWhen you see an in-network dentist, you’ll get the best value. To locate an in-network dental provider, visit www.aetna.com.

• For the Aetna Dental HMO Plan, select DDMO/DNO as the Plan.

• For the Aetna Dental PPO Plan, select Dental PPO/PDN with PPO II Network as the Plan.

Review costs for dental proceduresUse Aetna’s Estimate Cost of Care tool to view average cost information for in-network and out-of-network cost dental procedures based on rates in your area. This tool allows you to better plan and budget for any dental care needs you and your family may have. To access this tool, you will need to create a login or use your existing www.aetna.com login.

1. Log into www.aetna.com and input your user ID and password. If you need to create an account, click Register Now.

2. Under Claims, select Estimate Cost of Care.

3. Click on dental care, under the I want to… section.

4. Select a dental service that you want to view the average estimated cost for.

5. Average estimated costs displayed are not plan specific and are based on your home zip code on file. If you want to view information for a different area, you can type in a new zip code and click Change.


How Do I?

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My SAIC Benefits

Health Savings Account (HSA) and Flexible Spending Accounts (FSAs)

Register for an HSA WageWorks administers the HSA and automatically opens an account for you with the custodian bank, BNY Mellon. To view your HSA information online, register with WageWorks, if you have not already done so. Go online to WageWorks and click “Log in/Register”. You’ll need to confirm your contact information and create a user name and password.

Decide how much to contribute to an HSA or FSA accountUse the HSA calculator or FSA calculator on the WageWorks website, depending on the account you have.

Change my HSA contribution election during the yearWhatever the reason, you can change your HSA contribution at any time. Log into www.saicbenefits.com click Report a Life Event then Change HSA Contributions to change your contribution amount. Any changes made are effective on the first of the following month.

Determine if an expense is eligible You can find a list of eligible expenses for the HSA, Health Care FSAs and Dependent Care FSA at the WageWorks website.

Get reimbursed for eligible FSA expenses You have three options for receiving reimbursement for eligible FSA expenses.

1. Health Care Debit Card. You can use a WageWorks health care debit card at select pharmacies, health care providers and retailers that have an IRS-approved inventory and checkout system. Be sure to keep each receipt for tax purposes.

2. Pay Me Back. You can claim funds from your FSA online or by completing a form. Most claims are processed within one to two days after they are received and payments are sent shortly thereafter. You will receive a check in the mail if you do not complete the direct deposit information with WageWorks before submitting the claim form.

Use the WageWorks EZ Receipts Mobile App to check current health care and dependent care account balances, submit health care and dependent care claims and submit WageWorks health care card receipts. To download the app to your mobile device, visit the WageWorks website and click either the icon for “Download iPhone app” or “Download Android app” and follow the instructions.

3. Pay My Provider Online. At WageWorks online, you can pay many eligible health care expenses directly from your FSA by entering the provider’s name and other requested information and then submitting backup documentation.


How Do I?

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My SAIC Benefits

Additional Tools and Resources

Access the mobile appMany of our providers have an app available for download to your smartphone or tablet so you can manage your benefits when you’re on the go.

Anthem With the Anthem mobile app, you can search for doctors and urgent care centers, get driving directions from wherever you are, view e-mail or fax an electronic version of your ID card.

TeladocAccess your Teladoc account quickly and conveniently with the Teladoc mobile app. Whether you’re at home, work or out of town, you can manage your medical history or request a visit anytime.

Kaiser Download the Kaiser app to schedule, view and cancel appointments with your doctor, view information about your past visits and locate Kaiser medical facilities near you.

Express ScriptsThe Express Scripts app allows you to locate a pharmacy, view your prescription ID card, track the order status of your prescription home delivery and check drug interactions.

Aetna With Aetna, you can locate in-network dental providers, view your dental ID card and review claim history.

VSP The VSP Vision Care On the Go app allows you to manage your eye care needs at anytime and from anywhere. You can find a doctor, check your coverage, access your vision card and shop the latest eyewear fashions.

Health AdvocateThe Health Advocate SmartHelp app gives you 24/7 access to your Health Advocate benefits, as well as one-touch connection to a live Personal Health Advocate. You can use the app to call or email Health Advocate for assistance with finding the right doctor, claim issues, scheduling appointments, locating elder care services and more.

To download a provider’s mobile app to your smartphone or tablet device, visit Google Play or the iTunes Store.


How Do I?

30

My SAIC Benefits

Benefit Changes During the YearKnow when I can make changes to my benefits IRS regulations require that, once enrolled, you may not change your benefit elections until the next Annual Enrollment period – unless you experience a qualified life event. A qualified life event allows you to make changes consistent with the qualified life event within 31 days of the event.

Qualified life event changes include:

Enroll or make changes to my benefits The process is simple:

1. Log into saicbenefits.com.

2. Click Report a Life Event from the home page.

If you experience a qualified life event change, you can make benefit changes within 31 days (starting with the day of the event). Changes must be consistent with the eligible life event change.

• Marriage, or entering into a domestic partnership.

• Legal separation, divorce, annulment or dissolution of a domestic partnership.

• Birth, legal adoption, placement of a child with you for legal adoption, or a change in court-ordered legal guardianship/custodianship that affects the child’s eligibility.

• Death of your spouse/domestic partner or dependent child.

• Change in your employment status or that of your spouse/domestic partner or your dependent child that affects eligibility for coverage.

• Reduction in your hours that changes your eligibility or materially changes the cost of your benefits.

• Change in your dependent status that affects eligibility for coverage.

• Service of a Qualified Medical Child Support Order (QMCSO) as approved by the plan administrator.

• Loss of coverage provided under another employer-sponsored group plan.

• Change in residence (only if your current coverage is not available in the new location or if you are offered a plan that you were not previously offered).

• Loss of coverage under a State Medicaid or CHIP program or becoming eligible for a State Medicaid or CHIP program.

• Enroll in a qualified health plan in the public exchange during a normal or special enrollment period for the public exchange.


How Do I?

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My SAIC Benefits

Verify that the person I’m enrolling is an eligible dependentExamples of acceptable eligibility verification documents include:

• Proof of marital status – redacted tax return or marriage certificate.

• Proof of domestic partnership – proof of registration with a state or local domestic partner registry or a completed Declaration of Domestic Partnership form and joint ownership document.

• Proof of parental status – birth certificate, hospital record, adoption paperwork, report of birth abroad, legal guardianship document, proof of financial support (for disabled child).

Remember, failure to provide the requested documentation within the specified time frame will result in your dependent being removed from SAIC’s plans.

Eligible dependents include:

• Your legal spouse or registered domestic partner.

• Dependent children to age 26, regardless of student status.

– Children include your legally adopted children, children placed with you for adoption, stepchildren or grandchildren living in your home who are your legal dependents, and children of your domestic partner.

• Unmarried children beyond the age of 26 who are incapable of self-support due to physical or mental disability.


How Do I?

32


Benefit Provider Link CallMedical • Anthem Advantage and Essential Plans • Kaiser, Mid-Atlantic • Kaiser, Hawaii • Kaiser, California • Cigna International

• www.anthem.com/saic • www.kp.org • www.kp.org • www.kp.org • www.cignaenvoy.com

• 855-567-4698 • 800-777-7902 • 800-966-5955 • 800-464-4000 or 800-390-3510 • 1-800-441-2668 (U.S. /Canada) • 1-302-797-3100 (Outside U.S./Canada)

Health Savings Account (HSA), Flexible Spending Accounts (FSAs) and Commuter Benefits – WageWorks

www.wageworks.com 877-924-3967

Prescription Drug Coverage – Express Scripts

www.express-scripts.com/saicrx 800-262-2234

Teladoc www.teladoc.com/doctornow 800-835-2362

Health Advocate healthadvocate.com/saic 877-651-8787

Dental – Aetna www.aetna.com 877-238-6200

Vision – VSP www.vsp.com 800-877-7195

Life Insurance and AD&D – Cigna www.cigna.com 800-238-2125

Disability

• Short-Term Disability/Maternity Program – Sedgwick CMS

• Voluntary Long-Term Disability – Cigna

• www.sedgwickcms.com

• www.cigna.com

855-556-4347

800-362-4462

Voluntary Benefits• Critical Illness Insurance• Everyday Accident Insurance• Group Long Term Care Insurance• Hospital Indemnity Insurance• Identity Theft Protection• Legal Plan• Pet Insurance

www.saicbenefits.com 855-267-6971

Employee Assistance andWork/Life Plan (EAP)• Domestic – Cigna Behavioral

Health

• International – Global EAP

• www.cignabehavioral.com

• www.cignabehavioral.com

• Domestic: 888-854-5691

• International: + 44-208-987-6550

COBRA https://mybenefits.wageworks.com/ 866-747-0039

Dependent Verification www.saicbenefits.com 866-955-7242 (option 3)

Contacts

Do you have a benefits-related question?

Contact Shared Services Center HR (SSC HR) at [email protected] or via telephone at 866-955-7242 (option 3)Assistance is available Monday – Friday, 8:00 a.m. – 6:00 p.m. ET.


Documents

My SAIC · PDF file4 My SAIC Benefits Medical Advantage and Essential Plans For 2018, you have two Consumer Directed Health Plan (CDHP) options to choose from: Advantage Plan