Management and
Support Staff
Your 2015 American Airlines Benefits
New benefits for legacy US Airways
management and support staff effective
January 1, 2015.
We’ve made a lot of progress in our merger with American Airlines this year thanks
in part to your hard work. In 2015, we will reach another important milestone
by integrating our management and support staff health and welfare benefits.
At American Airlines, we believe that the quality of your life off the job is as
important as the work you do on it. This brochure provides a brief overview of
your new American benefits to help make your transition as smooth as possible.
American is committed to providing you with access to information about your
benefits in a clear, simple, practical manner. This means information that supports
informed decisions about your health coverage, including:
•
Resources that will help you use health care wisely.
•
Tools that will help you plan and secure your financial future.
•
Readily available benefits information via my.aa.com.
You’ll receive more information (including rates) in time for annual enrollment
this fall.
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Standard Option Core Option Value Option
Health Spending Account Reimbursement Account)HRA (Health HSA (Health Savings Account) HIA (Health Incentive Account)
Compatible with Health Care FSA Limited Purpose FSA Health Care FSA
Deductibles: Individual/
Family In-Network $800/$2,400 $2,000/$4,0001 $350/$1,050
Deductibles: Individual/
Family Out-of-Network $3,050/$9,150 $4,000/$8,0001 $1,550/$4,650
OOP Max: Individual/ Family In-Network $2,000/$5,000 (Does not include deductible) $4,000/$8,000 (Includes deductible) $2,000/$5,000 (Does not include deductible) OOP Max: Individual/
Family Out-of-Network
$6,000/$15,000 (Does not include deductible)
$12,000/$24,000 (Includes deductible)
$6,000/$15,000 (Does not include deductible)
What you pay for care (unless otherwise noted, here’s how you pay for services after you meet the deductible)
Co-insurance:
In-Network/Out-of-Network 20%/40% 20%/40% 20%/40%
Preventive Care:
In-Network/Out-of-Network $0/40% $0/40% $0/40%
Office Visit:
In-Network/Out-of-Network $30 co-pay2/40% 20%/40% $20 co-pay2/40%
Specialist and Urgent Care:
In-Network/Out-of-Network 20%/40% 20%/40% $40 co-pay2/40%
Emergency Room $100 co-pay + 20%2,3 20% $100 co-pay + 20%2,3
Emergency Ambulance 20% 20% Covered at 100%
This is a brief plan design overview. The summary plan description will prevail for actual coverage terms.
1 If more than one person is covered, the family deductible/family out-of-pocket maximum must be met. 2 Co-pays do not count toward deductible.
3 You must pay the $100 co-pay plus 20% co-insurance based on the full eligible amount.
Here is a brief summary of your new 2015 benefits.
For additional details, visit my.aa.com.
Three Medical Options
American offers three medical plan options to all employees: Standard,
Core and Value. Each medical plan option comes with a corresponding health
spending account administered by Aon Hewitt.
•
Standard with HRA: Medium out-of-pocket costs with medium monthly
contributions compared to the Core and Value options
•
Core with HSA: Higher out-of-pocket costs with lower monthly contributions
•
Value with HIA: Lower out-of-pocket costs with higher monthly contributions
ALASKA
HAWAII PUERTO RICO AND
U.S. VIRGIN ISLANDS
BlueCross BlueShield of Texas
United Healthcare
Your Medical Plan Administrator
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Prescription Drugs
Express Scripts is the Pharmacy Manager for all three medical options.
Standard Option Core Option Value Option
Prescription Drugs
Pharmacy Retail (up to 30-day supply)
Generic ($10 min/$40 max)20% co-insurance 20% co-insurance after deductible2
20% co-insurance ($10 min/$40 max) Preferred1 30% co-insurance ($30 min/$100 max) 20% co-insurance after deductible2 30% co-insurance ($20 min/$75 max) Non-Preferred1 50% co-insurance ($45 min/$150 max) 20% co-insurance after deductible2 50% co-insurance ($35 min/$90 max) Pharmacy Mail (up to 90-day supply)
Generic ($5 min/$80 max)20% co-insurance 20% co-insurance after deductible2 20% co-insurance($5 min/$80 max)
Preferred1 30% co-insurance ($60 min/$200 max) 20% co-insurance after deductible2 30% co-insurance ($40 min/$150 max) Non-Preferred1 50% co-insurance ($90 min/$300 max) 20% co-insurance after deductible2 50% co-insurance ($70 min/$180 max)
1 If you select a brand drug when a generic is available, you pay the generic co-pay or co-insurance plus the cost difference
between generic and brand prices. Maximums do not apply.
2 Certain preventive prescription drugs purchased in-network are not subject to the deductible; co-insurance still applies.
StayWell Rx
Save money on diabetes and high blood pressure medications by enrolling
in the StayWell Rx program. By enrolling, you can get a 90-day supply of
eligible generic medications for free and brand name medications for $15.
Filling your prescription through Express Scripts:
Retail
When you need it right away, get your prescription filled at an in-network
Express Scripts pharmacy.
Mail Order or CVS Pharmacy
Healthmatters
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Dental
Healthy teeth and gums are important to your overall health, and dental coverage
administered through MetLife helps you pay for trips to the dentist.
Annual Deductible $50 per person
Annual Maximum Benefit
for Basic and Major Care $1,500 per person
Lifetime Maximum Benefit
for Orthodontic Care $1,500 per person
Preferred Providers* Non-preferred Providers
Preventive Care Plan pays 100%, no deductible Plan pays 80% after deductible
Basic Care Plan pays 80% after deductible Plan pays 80% after deductible
Major Care Plan pays 80% after deductible Plan pays 80% after deductible
Orthodontia Plan pays 50% , no deductible Plan pays 50%, no deductible
*Preferred providers offer services at negotiated rates, which can mean significant savings for you.
Vision
Get focused with vision insurance through Spectera. By using Spectera, you can
save on the cost of glasses, contacts and eye exams.
In-network Out-of-network
Comprehensive Eye Exam $10 co-pay Reimbursement up to $40
Materials $25 co-pay See below
Eyeglasses
Included in your $25 co-pay: • Standard lenses: Single, lined-bifocal,
lined tri-focal or lenticular • Frames: up to $130 retail allowance
• Lens options: Standard scratch resistant coating, basic progressives, polycarbonate lenses or UV coating
Reimbursements
• Single vision lenses: up to $40 • Bi-focal lenses: up to $40 • Tri-focal lenses: up to $80 • Lenticular lenses: up to $80 • Frames: up to $45
Contact Lenses (in lieu of lenses and frames)
Included in your $25 co-pay:
• Up to $150 for the evaluation, fitting fees for non-selection contact lenses and two follow-up visits
or
• Selection of disposable contact lenses (for up to six boxes per year)
Reimbursements • Up to $150 for elective
contact lenses • Up to $210 for medically
Life & Accidental Dealth Insurance
American provides basic life insurance at no cost, and offers voluntary life and
accident insurance.
Options How It Works Administered Through
Basic Life/Accidental Death & Dismemberment Insurance (AD&D)
American pays the full cost, equal to 2x your annual
pay with a maximum of $70,000. MetLife
Voluntary Term Life Insurance*
You have the option of purchasing Voluntary Term Life Insurance of up to 8x your annual pay for yourself, up to 3x your annual pay for your spouse/domestic partner and $15,000 for child coverage.
MetLife
Voluntary AD&D*
Accident insurance provides extra security for your family in case of an accidental injury or death. You can purchase up to $500,000 for yourself, $350,000 for your spouse/domestic
partner and $10,000 for each child.
Cigna
*Purchase through payroll deductions after tax
Since your Life Insurance plans are changing in 2015, American will allow you
to convert your current level of coverage into 2015 without being subject to
Statement of Health (SOH).
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Sick & Disability
Starting in 2015, American employees will be eligible to earn eight sick days each year
to management and support staff employees to be used for personal illness. Any
unused sick days at the end of the year will not carry over to the next year.
All management and support staff will be provided with company-paid short-term
and long-term disability plans. We’re working to provide better income protection so
starting January 1, 2015, the long-term plan benefit will be increased to 67% of your pay
(previously it paid 50% income replacement).
Short-Term Disability (STD)
Provides a benefit of 67% of base weekly salary. Benefits start on the 8th day of your
non-work related disability. STD is paid for by the company at no cost to you.
Long-Term Disability (LTD)
After your STD ends, LTD provides a benefit of 67% of your average monthly pay.
LTD is paid for by the company at no cost to you.
401(k) Company Match:
401(k) Company Match Benefit
Effective January 1, 2015, you will be eligible for a company match of 5.5% if you have
at least one year of service with the company. The company will match 100% of
your contributions to the 401(k) plan up to 5.5% of your eligible compensation. The
company match applies to both pre-tax and Roth contributions. Any management
or support staff employee who is a participant in the Employee Savings Plan as of
December 31, 2014, will begin receiving the company match as of January 1, 2015, and
the 3% non-elective company contributions will cease as of December 31, 2014.
Automatic Enrollment Effective January 1, 2015
In order to help ensure that legacy US management and support staff take
advantage of the company match, anyone contributing less than 3% to the Employee
Savings Plan will be automatically enrolled at a 3% pre-tax contribution. Watch for
communications from the 401(k) and Savings Programs Department/Fidelity on your
new company match benefit and any notification of automatic enrollment. If you do
not wish to take advantage of this benefit, you will have the opportunity to opt out of
this automatic enrollment.
Upcoming Changes
Voluntary Benefits
American offers a number of voluntary benefits for your convenience. See the chart below for an overview and information on how to enroll.
Voluntary Benefit Contact Information When to Enroll Purchase/ Payment Info Coverage Overview
Auto and Home Insurance through MetLife Auto &
Home®, Travelers and
Liberty Mutual®
Apply online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Apply anytime
Pay premium through payroll deduction, Electronic Funds Transfer, or direct bill.
Offers money-saving discounts that could help you save on your auto and home insurance. Compare quotes on competitive coverage from the three leading national carriers.
Group Accident Insurance Group Critical Illness Insurance Enroll online at VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Annual Enrollment November 3-14, 2014 Pay premium through payroll deduction, Electronic Funds Transfer, or direct bill.
Protects your finances from the expenses of an accident or a serious health problem, such as a stroke or heart attack. Cancer coverage is also available. Both plans pay lump-sum benefits that can help offset the out-of-pocket expenses which medical insurance does not pay, including deductibles and co-pays.
VPI® Pet Insurance
Apply online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Apply anytime
Pay premium through payroll deduction, Electronic Funds Transfer, or direct bill.
Covers a multitude of medical problems and conditions and a wide range of services. Visit any veterinarian worldwide, even specialists or emergency providers.
Hyatt Legal Plan
Enroll online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Annual Enrollment November 3-14, 2014
$18.98 per month, conveniently paid via payroll deduction.
Provides representation, unlimited phone advice and office consultations on a wide variety of personal legal matters including, but not limited to: estate planning, sale or purchase of primary residence, family law, uncontested divorce, immigration assistance and document review/preparation.
LifeLock® Identity
Theft Protection
Enroll online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Enroll anytime
Enroll yourself or your family members to receive LifeLock at a 40% discount.
Provides monitoring services 24 hours a day, 7 days a week to safeguard your personal information both online and off, helping to protect you from identity theft before it happens.
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Voluntary Benefits
American offers a number of voluntary benefits for your convenience. See the chart below for an overview and information on how to enroll.
Voluntary Benefit Contact Information When to Enroll Purchase/ Payment Info Coverage Overview
Auto and Home Insurance through MetLife Auto &
Home®, Travelers and
Liberty Mutual®
Apply online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Apply anytime
Pay premium through payroll deduction, Electronic Funds Transfer, or direct bill.
Offers money-saving discounts that could help you save on your auto and home insurance. Compare quotes on competitive coverage from the three leading national carriers.
Group Accident Insurance Group Critical Illness Insurance Enroll online at VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Annual Enrollment November 3-14, 2014 Pay premium through payroll deduction, Electronic Funds Transfer, or direct bill.
Protects your finances from the expenses of an accident or a serious health problem, such as a stroke or heart attack. Cancer coverage is also available. Both plans pay lump-sum benefits that can help offset the out-of-pocket expenses which medical insurance does not pay, including deductibles and co-pays.
VPI® Pet Insurance
Apply online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Apply anytime
Pay premium through payroll deduction, Electronic Funds Transfer, or direct bill.
Covers a multitude of medical problems and conditions and a wide range of services. Visit any veterinarian worldwide, even specialists or emergency providers.
Hyatt Legal Plan
Enroll online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Annual Enrollment November 3-14, 2014
$18.98 per month, conveniently paid via payroll deduction.
Provides representation, unlimited phone advice and office consultations on a wide variety of personal legal matters including, but not limited to: estate planning, sale or purchase of primary residence, family law, uncontested divorce, immigration assistance and document review/preparation.
LifeLock® Identity
Theft Protection
Enroll online at
VoluntarybenefitsUS.com. You may also call 1-877-388-7884.
Enroll anytime
Enroll yourself or your family members to receive LifeLock at a 40% discount.
Provides monitoring services 24 hours a day, 7 days a week to safeguard your personal information both online and off, helping to protect you from identity theft before it happens.
