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EMPLOYEE HEALTH BENEFITS
Health Insurance
As a NAF instrumentality of the Federal Government, the Marine Corps NAF community offers health insurance through the Department of Defense (DoD) Uniform Health Plan (UHP). Aetna US Healthcare (AUSHC) is currently the third party administrator for the DoD UHP. Under the DoD UHP our area is now primarily covered under the Open Choice PPO Plan.
For additional information, or specific plan coverage, please contact Colleen Reid at your local personnel office.
Open Choice – Preferred Provider Option (PPO)
This plan is known as the PPO plan. Employees go to doctors within the PPO Network and pay co-payments. There is an annual deductible of $200 per person ($600 max per family). If services are rendered outside the PPO Network, a deductible of $600 per person ($1,800 max per family) will apply. The deductible does not apply to office visits or preventive care services when staying within the Network.
Dental Coverage
NAF Employees enrolled in a UHP Medical plan may enroll in the UHP Dental plan. Plan offers two cleanings, exams per year, subject to reasonable and customary costs. There is a $100 deductible per person ($300 max per family).
Stand Alone Dental (SAD)
NAF Employees not enrolled in a UHP Medical plan and want ONLY Dental coverage may enroll in our SAD plan. Plan offers two cleanings, exams per year, subject to reasonable and customary costs. There is a $100 deductible per person ($300 max per family). Jaw joint disorder such as TMJ is NOT covered under this plan.
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2011 Monthly Medical & Dental Premium Rate
Full Cost of Coverage (Includes Employer's Share) |
| Plan Name |
Employee |
Family |
| Medical |
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| Aetna US Health Care |
$461.15 |
$1072.89 |
| Dental |
|
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| Aetna US Health Care |
$29.47 |
$69.64 |
| Aetna Stand Alone Dental |
$37.42 |
$88.49 |
*Aetna Stand Alone Dental cost is borne solely by participants, there is no employer share. |
2011 Monthly Temporary Medical Continuation Premium Rates at 102% (Total Cost to Continue
Monthly Insurance)
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| Plan Name |
Employee |
Family |
| Medical |
|
|
| Aetna US Health Care |
$470.37 |
$1094.35 |
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| These rates apply to eliginble retirees and employees who select 18 Month Continuation and include a 2 percent administrative fee. |
NOTE: *Dental Coverage does not continue after termination of employment. The 18 Month Continuation provisions apply only to medical coverage.
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For questions on your health benefits, call Colleen Reid at 451-1884. |
2011 Bi-Weekly Med. Premium Rates Employees
Share Only (Employee Pays 30%, Employer Pays 70%)
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| Plan Name |
Employee |
Family |
| Medical |
|
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| Aetna US Health Care |
$63.85 |
$148.55 |
| Dental |
|
|
| Aetna US Health Care |
$4.08 |
$9.64 |
| Aetna Stand Alone Dental |
$17.27 |
$40.84 |
*Aetna Stand Alone Dental cost is borne solely by participants, there is no employer share. |
| 2011 Monthly Medical Premium Rates for Retirees |
| Plan Name |
Employee |
Family |
| Medical |
|
|
| Aetna US Health Care |
$138.34 |
$321.87 |
| Dental |
|
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| Aetna US Health Care |
$8.84 |
$20.89 |
These rates apply to eligible retirees. Retiree split is the same percent as employee 70/30)
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The requirement to have 15 years of enrollment applies to both medical and dental. However, because the dental plan will not have 15 years until April 2000, current retirees must have been enrolled since the first date of eligibility when actively employed. ***Stand Alone Dental is not eligible for continuation into retirement.
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RETIREMENT
Enrollment in the MCCS Retirement Program is offered to eligible Marine Corps Civilian NAF employees, the Marine Corps NAF Group Retirement Program is part of a three tiered retirement package, designed to provide a more financially secure retirement. Included in this retirement package are the Group Retirement Plan, the 401(k) Plan and your Social Security entitlement.
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Group Retirement Plan
This plan is known as a "defined benefit" plan, and provides a benefit at the time of your retirement, based on your earnings, and length of credited contributory service to the Plan.
Employee Contributions
Plan participants contribute 1 percent of covered earnings to the Plan.
Vesting
Plan participants are vested in the Plan after 5 credited contributory years.
Retirement Age
Reduced Early Retirement - age 52 with at least 5 years of contributory participation.
Unreduced Normal Retirement- age 62 with at least 5 years of contributory participation.
Unreduced Early Retirement - age 55 with at least 30 years of contributory participation OR age 60 with at least 20 years of contributory participation
Benefits available for participants (plan provisions apply)
- Lifetime annuity benefit
- Lifetime annuity with survivor spouse benefit
- Lump sum refund of contributions
- Disability retirement
- Discontinued Service Benefit
- Pre-retirement surviving spouse benefit
Participation Incentive
If you are an active member of both the Retirement Plan and the 401(k) Plan, your employer will contribute an additional one percent to your account in the 401(k) Plan. If you are not an active member of the Retirement Plan, this incentive contribution does not apply.
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MCCS will cease including lump sum annual leave payout in the definition of the earnings for regular employees hired on or after 30 March 2007.
Contact your local Personnel Office for more details of the plan. |
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