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SAIC Benefits Summary Plan Description
Health & Welfare Benefits for You and Your Family
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What's New for 2008
More Updates for 2008
Life Events Guide
If You Get Married
If You Get Divorced or Legally Separated
If You Add A New Child
If You Become Eligible for Benefits
If You or Your Child Loses Eligibility for Benefits
If You Become Disabled
If You Move
If You Take a Leave of Absence
If You or a Loved One Dies
If You Leave SAIC
Participating in the Plans
Eligibility
Employees
Dependents
Registered Domestic Partners
Changing Coverage (Qualified Status Changes)
When Coverage Begins
Cost of Coverage
Enrolling for Coverage
When Coverage Ends
Family and Medical Leave
Disability
Military Leave
Reinstatement of Benefits
Medical Plans
How the Medical Plans Work
Comparing the SAIC Medical Plans
SAIC MedPlus Plan
Cost of Coverage
Plan Design
SAIC MedBasic Plan
Cost of Coverage
Plan Design
SAIC Catastrophic Plan
Cost of Coverage
Plan Design
SAIC Out-of-Area Plan
Cost of Coverage
Plan Design
Precertification
Mental Health and Drug or Alcohol Treatment
How Mental Health and Substance Abuse Benefits Work
Network Benefits
Out-of-Network Benefits
Inpatient and Emergency Pre-admission Certification
What is Covered
What is Not Covered
What the Medical Plans Cover
What the Medical Plans Do Not Cover
Coordination of Benefits
Determining Which Plan Pays First
Filing Claims
SAIC Medical Plan Administrators
Aetna Open Access Plans
Blue Card PPO network
Health Maintenance Organizations (HMOs)
How the Plans Work
Choosing a Primary Care Physician (PCP)
ID Cards
What the HMOs Cover and Do Not Cover
Insured Medical Plan Benefit Charts
Other Medical Plans
CIGNA International Medical Plans
Point of Service (POS) Plans
Continuing Medical Coverage After Plan Coverage Ends
Continuing Health Care Coverage through COBRA
Continuing Medical Coverage through SAIC's VMCP
Employee Assistance Plan
Covered Benefits
Claims Process
Dental Plans
How the Dental Plans Work
Comparing the Dental Plans
SAIC Dental PPO Plan
Paying for Care
Plan Design
What the SAIC Dental PPO Plan Covers
Predetermination of Benefits
What the SAIC Dental PPO Plan Does Not Cover
Filing Claims
Coordination of Benefits
Dental Health Maintenance Organizations (DHMOs)
Continuing Dental Coverage After Plan Coverage Ends
Vision Plans
Paying for Care
Plan Design
What VSP Covers
What VSP Does Not Cover
Continuing Vision Insurance After Plan Coverage Ends
Filing Claims
Life and Accidental Death and Dismemberment (AD&D) Insurance Plans
Basic Term Life Insurance
Evidence of Insurability
Additional Benefits
Limitations and Exclusions
Supplemental Term Life Insurance
Evidence of Insurability
Additional Benefits
Limitations and Exclusions
Basic Accidental Death and Dismemberment (AD&D) Insurance
Additional Benefits
Limitations and Exclusions
Voluntary Accidental Death and Dismemberment (VAD&D) Insurance Coverage
Additional Benefits
Limitations and Exclusions
Business Travel Accident Insurance
Defining SAIC-Related Travel
Additional Benefits
Limitations and Exclusions
Naming a Beneficiary for Life and AD&D Insurance
Benefit Payments
Continuing Life and AD&D Insurance After Coverage Ends
Life Insurance Continuation (Portability)/Conversion
Filing Claims
Disability Program
Short-Term Disability
Overview of the Short-Term Disability (STD) Plans
How Short Term Disability Works
When STD Benefits End
If the Participant Becomes Disabled Again
What the STD Plans Generally Do Not Cover
Long-Term Disability (LTD)
How LTD Works
Coordination With Other Benefits
When LTD Benefits End
If a Participant Becomes Disabled Again
What the LTD Plan Does Not Cover
Conversion Privilege
Flexible Spending Accounts
Health Care Flexible Spending Account
Eligible Health Care Expenses
Ineligible Health Care Expenses
Example of Tax Savings
Filing Claims
Dependent (Day) Care Flexible Spending Account
Eligible Dependent (Day) Care Expenses
Ineligible Dependent (Day) Care Expenses
Child Care Credit
Example of Tax Savings
Filing Claims
Important Rules About Flexible Spending Accounts
Plan Information
Employee Retirement Income Security Act of 1974 (ERISA)
Qualified Medical Child Support Orders (QMCSOs)
Claims Appeal and Review Procedures Under ERISA
Disability Plan Claims
Non-Disability Welfare Plan Claims
Health Insurance Portability and Accountability Act of 1996 (HIPAA)
Certificates of Creditable Coverage
Disclosure of Protected Information
Adding New Dependents
Continuing Health Care Coverage through COBRA
Health Plan Regulations
Military Leave Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA)
Additional Information Regarding Coordination of Benefits
Releasing and Obtaining Information
Subrogation
Recovery of Overpayment
Administrative Information
SPD PDF Library
Contact Information
If You Add A New Child
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