active employees - american airlines

Everyday, in the air and on the ground, we all work hard to care for our customers — we should do the same for ourselves. That’s why American Airlines offers a collection of benefits, resources and tools so you can build your personal benefits in a way that supports your health and your financial security.

Use this Benefits Overview to help you make smart decisions for 2014.

Keep Connected with my.aa.com

✔ Get all the information you need from my.aa.com. Just click on the 2014 Annual Benefits Enrollment article on the homepage.

✔ Check out the online tools:

n Wondering about Health Care Reform? Explore the Health Care Reform Made Simple website powered by Mercer (password: active) and get even more details by selecting What It Means To Everyone in the U.S.

n Use My Benefits Cost Estimator to compare costs across your plan options.

n Try the interactive provider map to see who the preferred administrator is in your state.

✔ Learn about choosing and using Health Spending Accounts at WageWorks.com. Go to the Participants/Employees Learning Center for videos, short tutorials and FAQs.

✔ Go to Benefits Service Center and enroll by November 15, 11:59 p.m. CST.

BENEFITS AT AMERICAN

From the Ground Up2014 Annual Benefits Enrollment OverviewACTIVE EMPLOYEES

2014 Annual Benefits Enrollment is November 1 – 15

TABLE OF CONTENTS & HOW TO USE THIS OVERVIEW

my.aa.com

my.aa.com

http://AAactives.hcrmadesimple.com


http://www.WageWorks.com

https://www.jetnet.aa.com/jetnet/go/ssomercer.asp%3FAppId%3DFWHome

How to use this overview:

Come back to this page at any time by clicking “TOC” from the bottom navigation bar.

The top, color navigation bar below and at the top of each page navigates you to each section of this overview. To reach subsections, click from the bulleted lists.

Preferred Administrators Co-pays Apply to Out-of-Pocket

Maximum New Features for Spending

Accounts Value Option Out-of-Pocket

Maximum HMO Plans Prescription Drug Change Health Care Reform

Review Health Care Costs Compare Medical Options Prescription Drugs Understanding the Three

Health Accounts Earn Rewards Dental Vision

Life & Accident Insurance Something Extra Save Smart with $uper $aver

Time to Decide Enroll Now What If I Don’t Enroll? Contacts Important Notices

THESE ICONS ARE CLICKABLE

To print this overview, click the “PRINT” button.

What’s ChangingLEARN WHAT’S NEW FOR 2014

EnrollingTAKE ACTION BY NOV. 15

Finance & SecurityFIND ADDITIONAL BENEFITS

Health & Well-BeingSEE 2014 OPTIONS & COSTS

AMERICAN BENEFITS

From the Ground Up

Bottom navigation options let you move through the overview page-by-page.

Active 2014 Annual Benefits Enrollment Overview 2

AMERICAN BENEFITS

From the Ground UpEnrolling

TAKE ACTION BY NOV. 15Finance & Security

FIND ADDITIONAL BENEFITSHealth & Well-Being

SEE 2014 OPTIONS & COSTSWhat’s ChangingLEARN WHAT’S NEW FOR 2014

HMO Plans

Prescription Drug Change

Co-pays Apply to Out-of-Pocket Maximum

New Features for Spending Accounts

Value Option Out-of-Pocket Maximum

Health Care Reform

Preferred Administrators What’s ChangingBeginning January 1, 2014

Preferred AdministratorsThere are only two changes to the preferred administrators this year:

n Arizona: Changing from UnitedHealthcare to BlueCross and BlueShield of Texas (even if you don’t live in Texas).

n Core option: Changing from Aetna to the preferred administrator in your state — just as with the other medical options (Standard and Value).

Preferred administrators are identified on the map below. If your favorite health care provider doesn’t belong to the preferred administrator’s network in your state, you can choose another network administrator. Remember, you’ll pay less in monthly contributions for the same coverage, when you choose the preferred administrator (see page 5 for details).

Your preferred administrator will be based on the alternate address you have on file with American. No alternate address? No worries, we’ll use the permanent address you have on file. Check your address on file now.

PREFERRED ADMINISTRATORS BY STATE

ALASKA

HAWAII PUERTO RICO AND U.S. VIRGIN ISLANDS

Be sure to use the website links available in this overview and on my.aa.com — they’re designed specifically for American Airlines employees.

● BlueCross and BlueShield of Texas (even if you don’t live in Texas)● Aetna● UnitedHealthcare● BlueCross

Click here to visit an interactive version of this map (showing all administrator options).

Select the links below to find out if your doctor is in the preferred administrator’s network:

https://www.jetnet.aa.com/jetnet/go/HR__Update_My_Contact_Info.asp

my.aa.com

http://www.bcbstx.com/americanairlines/

http://www.aetna.com/docfind/custom/americanairlines/

http://americanairlines.welcometouhc.com/home

http://www.bcbstx.com/americanairlines/

http://my.aa.com/en/preferred-network-administrators-map-2014


AMERICAN BENEFITS





Preferred Administrators

Health Care Reform




HMO Plans


Co-pays Apply to Out-of-Pocket MaximumYour co-pays will apply to your out-of-pocket maximum for the Standard and Value options.

New Features for Spending AccountsManaging your Health Spending Account just got easier!

n The administrator is changing from PayFlex to WageWorks.

n Use the WageWorks Healthcare Card to pay for eligible expenses — just like when you use a debit card.

n Enrolled in the Core option? Open an HSA (Health Savings Account) or change your HSA contribution at any time.

Value Option Out-of-Pocket MaximumThe in-network out-of-pocket maximum for the Value option will increase to $2,000/individual and $5,000/family.

HMO PlansThere are changes to the Kaiser and Community Care HMOs, including new deductibles and out-of-pocket maximums. Look for information from your HMO.

Prescription Drug ChangeExpress Scripts is making a few changes to what’s currently covered today, and how it will be covered in 2014. Some prescriptions will move from preferred to non-preferred, and others from non-preferred to not covered.

During Annual Benefits Enrollment, use this link to see what’s covered and what’s not by your American medical options.

Something Extra

We’re pleased to announce new voluntary offerings: Accident Insurance, Critical Illness, Veterinary Pet Insurance (VPI) and more. See page 25 for all the details.

Health Care Cost Changes

You will see an increase in your monthly contribution costs for 2014 (see page 6). It’s important to understand our health care costs increased $40 million due to health care inflation and health care reform fees assessed by the government. However, American continues to pay 80% of the total costs.

http://www.express-scripts.com/americanairlines


AMERICAN BENEFITS





HMO Plans


Preferred Administrators




Health Care Reform

Health Care ReformYou may be hearing about the public marketplace, government subsidies and tax penalties for not having health care coverage. And, you will be getting marketing from insurance companies directly to you.

So, what’s the bottom line? Everyone (with a few exceptions) in the United States will be required to have medical coverage or pay a tax penalty starting in 2014.

Find Your Way to the FactsWe’re providing you and your family with an online resource that will answer your basic questions about Health Care Reform: See the Health Care Reform Made Simple website (http://AAactives.hcrmadesimple.com) now and use the password active (or access the site from my.aa.com).

DOMA Update

As you’ve probably heard, there have been some important developments regarding married, same-sex couples, based on the recent Defense Of Marriage Act (DOMA) ruling.

As a result, during Annual Benefits Enrollment, you may make the following dependent changes that will become effective in January 2014:

n Add a same-sex spouse and/or their child.

n Designate current same-sex domestic partner as a same-sex spouse.

n Designate a same-sex domestic partner.

Proof of eligibility requirements apply, including a legally valid marriage certificate, for same-sex spouses.

We continue to monitor further guidance from the federal government and will provide updates.


my.aa.com


AMERICAN BENEFITS





Dental

Vision

Compare Medical Options

Understanding the Three Health Accounts

Earn Rewards

Prescription Drugs

Health & Well-beingAmerican covers the majority of your health care costs. Managing those costs while balancing our budgets is a challenge we all face together.

Review Health Care CostsThe best strategy begins with making informed choices about your benefit options. We offer three medical options. The monthly contribution cost of these options will vary depending on the administrator you select.

You can choose between three administrators in your state — Preferred, Tier 1 and Tier 2.

The preferred administrator offers the best negotiated rates, that’s why you pay less per month. You will pay more for Tier 1 and Tier 2 administrators, but the only difference is the network of doctors. So, why pay more if your doctor is in the preferred administrator’s network?

Review Health Care Costs

COVERED SERVICESCOST

PREFERRED ADMINISTRATORTIER 1 & TIER 2


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2014 MONTHLY CONTRIBUTION COSTSCOVERAGE LEVEL STANDARD OPTION CORE OPTION VALUE OPTION

Employee Only Preferred: $78.38

Tier 1: $97.98

Tier 2: $117.57

Preferred: $60.48

Tier 1: $75.60

Tier 2: $90.72

Preferred: $124.76

Tier 1: $155.95

Tier 2: $187.14

Employee + Spouse/Domestic Partner Preferred: $203.79

Tier 1: $254.74

Tier 2: $305.69

Preferred: $157.24

Tier 1: $196.55

Tier 2: $235.86

Preferred: $324.38

Tier 1: $405.48

Tier 2: $486.57

Employee + Child(ren) Preferred: $141.09

Tier 1: $176.36

Tier 2: $211.64

Preferred: $108.86

Tier 1: $136.08

Tier 2: $163.29

Preferred: $224.57

Tier 1: $280.71

Tier 2: $336.86

Employee + Family* Preferred: $274.33

Tier 1: $342.91

Tier 2: $411.50

Preferred: $211.67

Tier 1: $264.59

Tier 2: $317.51

Preferred: $436.67

Tier 1: $545.84

Tier 2: $655.01

* Includes you, your spouse or domestic partner and your child(ren).

Out-of-Area Option

The Out-of-Area option is automatically offered to you if your ZIP code is outside of the coverage areas of a preferred administrator for the Standard, Core and Value options. For more information, visit my.aa.com

Review Health Care CostsFull-Time/Part-Time Employees

my.aa.com


AMERICAN BENEFITS





Dental

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Earn Rewards

Prescription Drugs


Compare Medical OptionsThis table (pages 7 through 10) outlines covered services across the Standard, Core and Value options. If you are enrolled in an HMO, contact your plan for information on covered services.

FEATURES STANDARD OPTION CORE OPTION VALUE OPTION

Health Spending Account HRA (Health Reimbursement Account) HSA (Health Savings Account) HIA (Health Incentive Account)

Compatible with Health Care FSA Limited Purpose FSA Health Care FSA

IN- OR OUT-OF-NETWORK: IN OUT IN OUT IN OUT

Deductible (Individual/Family)

$750/$2,250 $3,000/$9,000 $2,000/ $4,0001 $4,000/ $8,0001 $300/$900 $1,500/$4,500

Out-of-Pocket Maximum2

(Individual/Family)$2,000/$5,000(Does not include deductible)

$6,000/$15,000(Does not include deductible)

$6,000/ $12,0001

(Includes deductible)

$12,000/ $24,0001

(Includes deductible)



Maximum Medical Benefit No maximum

1 If more than one person is covered, the family deductible/family out-of-pocket maximum must be met. 2 For the Standard and Value options, the out-of-pocket maximum includes medical and prescription co-pays and co-insurance.

American pays 100% of your in-network preventive care under all three medical options.

Are you an American employee married to another American employee?Enroll in medical, dental and vision coverage separately or as a dependent.

Be sure to compare costs — you may save more if you enroll separately. If you’re already covered under your American spouse’s/domestic partner’s coverage, you need to waive dependent coverage before you can enroll for yourself.

You will have a separate HRA (Health Reimbursement Account) or HIA (Health Incentive Account) regardless of whether you choose separate or joint coverage.


AMERICAN BENEFITS





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Earn Rewards

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WHAT YOU PAY FOR CARE (Unless noted otherwise, here’s how you pay for services after you meet the deductible)

MEDICAL

Co-insurance 20% 40% 30% 50% 20% 40%

Annual Routine Physical Exams $0 40% $0 50% $0 40%

Well-child Care $0 40% $0 50% $0 40%

Physician’s Office (PCP) $30 co-pay2 40% 30% 50% $20 co-pay2 40%

Specialist Office Visit 20% 40% 30% 50% $40 co-pay2 40%

Urgent Care Clinic 20% 40% 30% 50% $40 co-pay2 40%

Emergency Room $100 co-pay + 20%1

$100 co-pay + 20%1

30% 30% $100 co-pay + 20%1

$100 co-pay + 20%1

Emergency Ambulance 20% 20% 30% 30% Covered at 100% Covered at 100%

Inpatient Hospital (Pre-authorization Required)

20% 40% 30% 50% 20% 40%

Outpatient Surgery in Physician’s Office

$30 PCP co-pay2 or 20% for specialist

40% 30% 50% $20 PCP co-pay2 or $40 specialist co-pay2

40%

Outpatient Surgery in a Hospital or Freestanding Surgical Facility

20% 40% 30% 50% 20% 40%

Diagnostic X-rays and Labs

Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient

40% 30% 50% Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient

40%

Pre-admission Testing Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient

40% 30% 50% Covered 100% if part of office visit or at an independent facility; 20% if hospital outpatient

40%

1 You must pay the $100 co-pay plus 20% co-insurance based on the full eligible amount.2 Co-pays do not count toward deductible.



AMERICAN BENEFITS





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Earn Rewards

Prescription Drugs



WHAT YOU PAY FOR CARE (Unless noted otherwise, here’s how you pay for services after you meet the deductible)

MENTAL HEALTH

Inpatient Mental Health Care After Deductible

20% 40% 30% 50% 20% 40%

Alternative Mental Health Care Center Residential Treatment

20% 40% 30% 50% 20% 40%

Alternative Mental Health Care Center Intensive Outpatient and Partial Hospitalization

20% 40% 30% 50% 20% 40%

Outpatient Mental Health Care

$30 PCP co-pay* or 20% for specialist or hospital

40% 30% 50% $20 PCP co-pay*; $40 specialist co-pay*; 20% for hospital

40%

CHEMICAL DEPENDENCY

Detoxification 20% 40% 30% 50% 20% 40%

Inpatient Chemical Dependency Rehabilitation

20% 40% 30% 50% 20% 40%

Outpatient Chemical Dependency Rehabilitation

$30 PCP co-pay* or 20% for specialist or hospital

40% 30% 50% $20 PCP co-pay*; $40 specialist co-pay*; 20% for hospital

40%

* Co-pays do not count toward deductible.



AMERICAN BENEFITS





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PRESCRIPTION DRUGSFEATURES STANDARD OPTION CORE OPTION VALUE OPTION


PHARMACY RETAIL (up to 30-day supply)

Generic 20% co-insurance ($10 min/ $40 max)

20% co-insurance ($10 min/ $40 max)

30% co-insurance after deductible2


$10 co-pay1 $10 co-pay1

Preferred3 30% co-insurance ($30 min/ $100 max)

30% co-insurance ($30 min/ $100 max)4





Non-Preferred3 50% co-insurance ($45 min/ $150 max)






PHARMACY MAIL (up to 90-day supply)

Generic 20% co-insurance ($5 min/ $80 max)

Not covered 30% co-insurance after deductible2

Not covered 20% co-insurance ($0 min/$80 max)

Not covered

Preferred3 30% co-insurance ($60 min/ $200 max)


Not covered 30% co-insurance ($40 min/ $150 max)

Not covered

Non-Preferred3 50% co-insurance ($90 min/ $300 max)


Not covered 50% co-insurance ($70 min/ $180 max)

Not covered

1 Co-pays do not count toward deductible.2 Certain preventive prescription drugs purchased in-network are not subject to the deductible; co-insurance still applies.3 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.4 If you use an out-of-network pharmacy, reimbursement is based on the Express Scripts in-network rate. You pay the full difference.

Prescription Drugs


AMERICAN BENEFITS





Dental

Vision




Earn Rewards

Prescription Drugs

Save on many diabetes and high blood pressure prescriptions with StayWell Rx

1 Call Healthmatters at 1-888-227-6598 to confirm eligibility of your medication and to enroll in the program.

2 Chat with your Health Advocate Team member and learn about ways to better control your condition.

3 Fill your 90-day supply of eligible high blood pressure or diabetes prescription medications through Express Scripts by mail.

Prescription DrugsYou have two options for filling your prescription:

1 Retail: When you need it right away, get your prescription filled at an in-network Express Scripts pharmacy.

2 Mail Order: For prescriptions you take regularly (maintenance medications), sign up to get your 90-day prescription sent right to your mailbox. After your initial purchase plus two refills at a retail pharmacy, you will pay 50% of the drug cost for maintenance medications if you don’t move your prescription to mail order. Save time and money — call 1-800-988-4125 or go online during Annual Benefits Enrollment to www.express-scripts.com/americanairlines

SAVE TIME AND MONEY:

Prescription Drugs

90DAY SUPPLY



AMERICAN BENEFITS





Dental

Vision




Earn Rewards

Prescription Drugs

Spend Less

Keep more green in your wallet. Use these tips to save money on prescription drugs: Your prescription not on the formulary list for 2014?

Find the most effective prescription drug alternative based on the new formulary list. Pay less by contacting Express Scripts online during Annual Benefits Enrollment (www.express-scripts/americanairlines).

Prescription Drugs $$$

$GENERIC

Compare medication costs, manage your individual prescriptions, activate reminders and alerts, and much more. Go to www.express-scripts.com/mobile or scan the QR code with your smartphone to download the app from the Android Market, iTunes App Store or BlackBerry App World.

BRAND-NAME

Generic drugs are three times less expensive than brand-name drugs, and work just as well.

Talk to your doctor about lower cost options for medications you’re already taking.

?!



http://www.express-scripts.com/mobile


AMERICAN BENEFITS





Dental

Vision



Earn Rewards

Prescription Drugs


Understanding the Three Types of Health AccountsHealth Spending Accounts and Flexible Spending Accounts help you cover the costs of health care.

HRA Health Reimbursement Account

HSA Health Savings Account*

HIA Health Incentive Account

Medical option Standard Core Value

Administered by? WageWorks WageWorks WageWorks

Do you have 2013 funds available?

Yes No Yes No Yes No

Here’s how your account will open

Automatically if you remain enrolled in the same medical option

Automatically when you earn Healthmatters Rewards

Once you sign the terms and conditions for your new account with WageWorks

During enrollment and any time throughout the year

Automatically if you remain enrolled in the same medical option

Automatically when you earn Healthmatters Rewards

Compatible with FSA (Flexible Spending Account) LPFSA (Limited Purpose Flexible Spending Account)

FSA (Flexible Spending Account)

* You may change your contribution amount for the HSA at any time.

In order to transition from PayFlex to WageWorks, the last day to submit claims to PayFlex for reimbursement is Sunday, December 15, 2013. Beginning Tuesday, January 7, 2014, submit all claims (including those incurred December 16 – January 6) to WageWorks for reimbursement.

Remember: You can use the WageWorks Healthcare Card to pay for eligible expenses (similar to a debit card). When you receive it, activate and start using it right away. Otherwise, you’ll pay out-of-pocket and be reimbursed (auto-reimbursement) through WageWorks.


AMERICAN BENEFITS





Dental

Vision



Earn Rewards

Prescription Drugs

HRA Health Reimbursement Account

HSA Health Savings Account

HIA Health Incentive Account

How is it funded? Earn up to $500 in Healthmatters Rewards

Funded two ways:1. Earn up to $500 in Healthmatters Rewards2. Pre-tax payroll deductions1. You choose how

much to deposit up to the 2014 maximums: n Employee Only: $3,0502

n Employee + Spouse/ Domestic Partner: $6,0502 + Family: $6,0502

n Employee + Child(ren): $6,3002

Earn up to $500 in Healthmatters Rewards

When are funds available?

Healthmatters Rewards: Earn as you go, beginning January 1, 2014.

1. Healthmatters Rewards: Earn as you go, beginning January 1, 2014.

2. As your pre-tax contributions are deducted from your paycheck, the money will be available in your account.

Healthmatters Rewards: Earn as you go, beginning January 1, 2014.

Can it roll over from year to year?

Yes, as long as you remain enrolled in the Standard or Out-of-Area option

Yes, it’s your money to keep for current or future health care expenses

Yes, as long as you remain enrolled in the Value option

Can I take it with me if I leave American?

No Yes No

1 If age 55 or over: Additional $1,000. 2 Assumes you will earn the maximum Healthmatters Rewards in 2014: $250 for Employee Only and $500 for Employee + Covered Spouse/Domestic Partner.


Important!Remember, the FSA (Flexible Spending Account) is a use it or lose it account. So, be sure to submit your eligible 2013 claims (incurred through the grace period) no later than June 15, 2014. The sooner the better. Keep in mind that the maximum amount you can contribute to your Health Care FSA is $2,500. For the Dependent Day Care FSA, the maximum is $2,500 or $5,000 (married, filing jointly).


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Prescription Drugs

Earn Rewards

Earn RewardsAmerican believes when you choose the right benefits and use them wisely, you can improve both your physical and financial well-being. Participate in Healthmatters to help you live well today and into the future.

Earn up to $250 in rewards for you and your covered spouse/domestic partner ($500 total) for completing certain health activities. The funds are deposited into your HRA, HSA or HIA. Check out my.aa.com/healthmatters and www.myactivehealth.com for details!

GOAL ACTION REWARD

AssessmentComplete your Health Assessment $25

Review Health Assessment results with a Health Advocate $50

Biometric ScreeningGet a Quest Biometric Screening $75

Meet 4 of 5 results $100

Coaching Complete Online Coaching (initial and follow up) $75

Complete Telephonic Coaching (2 call minimum) $100

Use your 2013 Healthmatters Rewards now or save them for later — but don’t wait! 2013 Healthmatters Rewards can be earned through October 31, 2013. You can begin earning 2014 rewards January 1, 2014.

my.aa.com/healthmatters

www.myactivehealth.com


AMERICAN BENEFITS





Dental

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Prescription Drugs

Smart Choices, Bigger Wallet

Bills for doctor appointments and prescriptions can add up quickly. By making smart choices about health care, you’ll keep healthy and save money!

Earn Rewards

Establish a relationship with your primary care provider, this way your doctor knows you, your family and your medical history.

Quit tobacco — join Knock Out Nicotine and pay $0 for eligible tobacco cessation medications.

Participate in Healthmatters — earn up to $250, and feel great.

Request generic drugs and mail order for long-term maintenance medications.

GENERIC

http://my.aa.com/en/knockout-nicotine-program


AMERICAN BENEFITS





Vision




Earn Rewards

Prescription Drugs

Dental

DentalSmile Bright

Healthy teeth and gums are important to your overall health, and dental coverage at American (through MetLife) helps you pay for those trips to the dentist.

Click your workgroup below to see your dental benefit options:

n Management, Support Staff, Agents, Representatives, Planners

n TWU-Represented Employees

n Flight Attendants

n Pilots


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Dental

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Dental

Management, Support Staff, Agents, Representatives, Planners

FEATURES COVERAGE

Annual Deductible $50 per person

Annual Maximum Benefitfor Basic and Major Care

$1,500 per person

Lifetime Maximum Benefitfor Orthodontic Care

$1,500 per person (including adults)

PREFERRED PROVIDERS* NON-PREFERRED PROVIDERS

Preventive Care (maximum two visits per year)

Plan pays 100%, no deductible Plan pays 80% after deductible

Basic Care Plan pays 80% after deductible

Major Care Plan pays 80% after deductible

Orthodontia Treatment Plan pays 50%, no deductible

YOUR MONTHLY COST

Employee Only $6.27

Employee + Spouse/Domestic Partner

$14.42

Employee + Child(ren) $11.29

Employee + Family $19.44

* Preferred providers offer services at negotiated rates, which can mean significant savings for you.


AMERICAN BENEFITS





Dental

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Prescription Drugs

TWU-Represented Employees

FEATURES COVERAGE

Annual Deductible $50 per person


$1,500 per person


$1,500 per person (including adults)

PREFERRED* AND NON-PREFERRED PROVIDERS


Plan pays 100%, no deductible

Basic Care Plan pays 80% after deductible

Major Care Plan pays 80% after deductible

Orthodontia Treatment Plan pays 50%, no deductible

YOUR MONTHLY COST

Employee Only $3.94

Employee + 1 Dependent $7.95

Employee + 2 or More Dependents $11.27


Dental


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Dental

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Earn Rewards

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Flight Attendants

FEATURES COVERAGE

OPTION 1 OPTION 2

Annual Deductible $50 per person $50 per person


$1,000 per person $1,000 per person


$1,000 per person (children only) $1,000 per person (children only)

PREFERRED1 AND NON-PREFERRED PROVIDERS


Plan pays 80%2 Plan pays 80%2

Basic Care Plan pays 80% after deductible Plan pays 50% after deductible

Major Care Plan pays 80% after deductible Plan pays 50% after deductible

Orthodontia Treatment Plan pays 50%, no deductible Plan pays 50%, no deductible

YOUR MONTHLY COST

Employee Only $2.75 $0.00

Employee + 1 Dependent $5.50 $0.00

Employee + 2 or More Dependents $8.00 $0.00

1 Preferred providers offer services at negotiated rates, which can mean significant savings for you.2 Preventive Care benefit updated November 12, 2013.

Dental


AMERICAN BENEFITS





Dental

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Earn Rewards

Prescription Drugs

Pilots

FEATURES COVERAGE

OPTION 1 OPTION 2

Annual Deductible $50 per person $50 per person


$1,000 per person $1,000 per person


$1,000 per person (children only) $1,000 per person (children only)

PREFERRED* AND NON-PREFERRED PROVIDERS


Plan pays 80%, no deductible Plan pays 80%, no deductible

Basic Care Plan pays 80% after deductible Plan pays 50% after deductible

Major Care Plan pays 80% after deductible Plan pays 50% after deductible

Orthodontia Treatment Plan pays 50%, no deductible Plan pays 50%, no deductible

YOUR MONTHLY COST

Employee Only $5.50 $0.00

Employee + 1 Dependent $11.00 $0.00

Employee + 2 or More Dependents $16.00 $0.00


Dental


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Dental




Earn Rewards

Prescription Drugs

Vision

Vision See Clearly

Get focused with vision insurance (through Spectera) that helps keep down the cost of glasses, contacts and eye exams. You’re seeing right — the cost for vision coverage is decreasing for 2014.

VISION COVERAGE AND CONTRIBUTIONSFEATURES 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:

n Standard lenses: Single, lined-bifocal, lined tri-focal or lenticular

n Frames: Up to $130 retail frames allowance

n Lens options: Standard scratch resistant coating, basic progressives, polycarbonate lenses or UV coating

Reimbursements

n Single vision lenses: up to $40

n Bi-focal lenses: up to $60

n Tri-focal lenses: up to $80

n Lenticular lenses: up to $80

n Frames: up to $45

Contact Lenses (in lieu of lenses and frames)

Included in your $25 co-pay:

n Up to $150 for the evaluation, fitting fees for non-selection contact lenses and two follow-up visits

or

n Selection of disposable contact lenses (for up to six boxes per year)

Reimbursements

n Up to $150 for elective contact lenses

n Up to $210 for medically necessary contact lenses

YOUR MONTHLY COST

Employee Only $5.84

Employee + Spouse/Domestic Partner $11.31

Employee + Child(ren) $11.10

Employee + Family $15.87


AMERICAN BENEFITS





Something Extra

Save Smart with $uper $aver

Life & Accident Insurance Finance & Security Life happens — and when it does, it’s good to know you’re covered. These benefits are designed to provide financial protection for you and your family in the event of disability or death.

Life & Accident InsuranceAmerican provides basic life insurance to most employees at no cost, and offers voluntary life and accident insurance to all employees.

OPTIONS* HOW IT WORKS ADMINISTERED THROUGH

Voluntary Term Life Insurance You have the option of purchasing Voluntary Term Life Insurance at group rates for you and your family.

MetLife

Accidental Death & Dismemberment Insurance

Accident insurance provides extra security for your family in case of an accidental injury or death.

Cigna

Voluntary Personal Accident Insurance (VPAI)

Pilots and Flight Attendants can enroll in VPAI to create an extra security net in the event of accidental injury or death.

Cigna

* Purchase through payroll deductions after tax.


AMERICAN BENEFITS





Something Extra


Income ProtectionProtect your income with Optional Short-Term Disability Insurance and Long-Term Disability, administered through MetLife. These benefits support you if you become sick or injured and are unable to work for an extended period of time.

OPTIONAL SHORT-TERM DISABILITY INSURANCE (OSTD)

n Replaces a portion of your salary when you are unable to work due to a non-work related illness or injury.

n If you enroll, your election will remain in effect for two calendar years.

LONG-TERM DISABILITY (LTD)

n Provides an income to you if you are unable to work because of illness or injury.

n Pays once you exhaust your Optional Short-Term Disability.

n Provides voluntary vocational rehabilitation.

n Severe Condition Benefit of $5,000 for serious illness disability.

Life & Accident Insurance


AMERICAN BENEFITS







Something Extra

PLAN OR BENEFIT DESCRIPTION

Hyatt Legal* Provides representation for everyday legal matters.

Group Homeowners’ and Automobile Insurance

Shop your Home and Auto Insurance options with MetLife, Liberty Mutual or Travelers. Use the Comparative Rate tool and complete one application to receive quotes from participating companies. It’s that simple.

NEW: Veterinary Pet Insurance (VPI)

Keep your pet healthy — get a group discount on premiums through VPI. Coverage is offered for a variety of medical problems and conditions related to accidents and illnesses for dogs, cats, birds and other exotic pets.

LifeLock – Discounted Identity Theft Protection

LifeLock is America’s leading identity theft protection service. The experts at LifeLock provide monitoring services 24/7 to safeguard your personal information both online and off, helping to protect you from identity theft before it happens. (Not offered through payroll deductions.)

NEW: Unum Group Accident Insurance

Pays benefits based on the injury you receive and treatment you need, including emergency room care. It can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and co-pays. Annual Benefits Enrollment is the only time you can enroll for accident insurance. Family coverage is also available.

NEW: Unum Critical Illness Insurance

Helps protect your finances from the expense of a serious health problem, such as a stroke or heart attack and cancer. You’re eligible to get coverage on a guarantee issue basis (up to $15,000 for employees and $5,000 for spouses) only during Annual Benefits Enrollment. Guarantee issue means the right to purchase insurance without physical examination. Physical conditions (past or present) are not considered. You must be covered by comprehensive health insurance before applying for group critical illness insurance.

* You remain enrolled from year-to-year, unless you cancel coverage during Annual Benefits Enrollment. Annual Benefits Enrollment is the only time you can enroll for Hyatt Legal coverage.

Something ExtraThere’s something for everyone. Take a look at the new Voluntary offerings available. During Annual Benefits Enrollment, visit www.AAaddedbenefits.com or call 1-855-550-0706 for complete details and to apply for coverage.

During Annual Benefits Enrollment, visit www.AAaddedbenefits.com or call 1-855-550-0706 for details.


AMERICAN BENEFITS






Something Extra


Save Smart with $uper $averIt’s never too late — or too early — to start saving for retirement. $uper $aver is your retirement plan to help build your financial future.

Put pre-tax, after-tax or Roth 401(k) money aside through convenient payroll deductions. For most employees, American will match your pre-tax and/or Roth 401(k) contributions dollar for dollar up to 5.5% of your eligible pay after completing one year of eligibility service. You’ll receive the match every pay period you contribute. (contributions are different for pilots).

You may change your contributions or investment elections at any time.

Be sure to review your beneficiary designationIf you named a beneficiary in your will, you still need to make a separate designation for your retirement account — even if it’s the same person. Visit www.retireonline.com to update or add a beneficiary.

IF YOU’RE ALREADY CONTRIBUTING …

Consider designating at least 5.5% of your pay to take advantage of the full Company match (once you’re eligible).

IF YOU’RE NOT CONTRIBUTING …

Visit www.retireonline.com to get started today, or call J.P. Morgan at 1-800-345-2345.

Take time now to find out how the plan works, and enjoy more time in retirement:

n Choose how much you want to contribute.

n Save through convenient payroll deductions.

n Receive the Company match up to 5.5% of eligible pay.

n Decide how to invest your savings.

www.retireonline.com



AMERICAN BENEFITS






Something Extra

Find More Information and Helpful Tools:

n Go to my.aa.com/en/super-saver-plan-401k for all the details.

n Visit J.P. Morgan at www.retireonline.com for interactive tools and personal investment advice:

– The Retirement Dream Machine translates your account balance into a personalized estimate of annual retirement income stated in today’s dollars.

– The Personal Online Advisor provides a step-by-step action plan to help you choose investments and how much you may want to invest in each one.

– The J.P. Morgan Personal Asset Manager can create a customized investment strategy for you. There is a fee for this service, but it may be less than what you would pay elsewhere.

n Call 1-800-345-2345 from 7 a.m. to 7 p.m. CST.

Invest in Your Future

You can invest your account in a wide variety of funds. If you do not make your own investment elections, your contributions and the Company match will be automatically invested in the Moderate Pre-mixed Portfolio option (the plan’s qualified default investment alternative). You can change your investment election at any time by contacting J.P. Morgan or www.retireonline.com


http://www.my.aa.com/en/super-saver-plan-401k




AMERICAN BENEFITS






Something Extra


It Adds Up

IF YOU CONTRIBUTE AN ADDITIONAL:

TOTAL ADDITIONAL SAVINGSAFTER 5 YEARS



1% of Eligible Pay(an extra $33.33/month)

$2,400 $10,600 $27,000

2% of Eligible Pay(an extra $66.66/month)

$4,800 $21,100 $54,000

This example assumes:

n You earn $40,000 a year.

n Contributions are made at the end of each month.

n Your account earns a 7% rate of return, compounded monthly, which is reinvested.

The example, provided by J.P. Morgan Retirement Plan Services, is for illustration purposes only and doesn’t represent a particular investment product. This information is for education only and is not meant to provide tax or investment advice.



AMERICAN BENEFITS





What if I Don’t Enroll?

Contacts

Important Notices

Enroll Now

Time to Decide EnrollingTime to Decide

We’re making it simple — check out all the information, tools and resources we offer to help you make smart choices during Annual Benefits Enrollment (November 1 – 15, 2013). All are available on my.aa.com

n CALCULATE IT … My Benefits Cost Estimator Estimate you and your family’s personal medical expenses and view a side-by-side cost comparison of each medical option.

n FIND YOUR WAY TO THE FACTS … Health Care Reform Made Simple See the Health Care Reform Made Simple website (http://AAactives.hcrmadesimple.com) now and use the password active (or access the site from my.aa.com).

n WATCH HOW IT WORKS … HRA, HSA and HIA Videos See exactly how each of the spending accounts work.

n NAVIGATE SMOOTHLY … Preferred Administrator Map Find your state’s preferred administrator.

my.aa.com



my.aa.com

http://my.aa.com/en/preferred-network-administrators-map-2014


AMERICAN BENEFITS





Time to Decide


Contacts

Important Notices

Enroll Now

ENROLL NOW

Get started! You’ll need your Jetnet password.

REMEMBERThe choices you make during Annual Benefits Enrollment are effective January 1 through December 31 2014, unless you experience a life event. For example:

n Marriage

n Divorce

n Birth or adoption of a child

n Your dependent becomes ineligible for coverage

Remember, proof of eligiblity is required.

Enroll Now

Enroll by November 15, 2013, 11:59 p.m. CST

https://www.jetnet.aa.com/jetnet/go/ssomercer.asp?AppId=FWHome

https://c03.keysurvey.com/survey/107503/144b/


AMERICAN BENEFITS





Time to Decide

Contacts

Important Notices

Enroll Now



We’ll do it for you — check the chart below for all the information.

IF YOU … AND, YOU DON’T ENROLL IN MEDICAL COVERAGE DURING ANNUAL BENEFIT ENROLLMENT …

WHAT IF NO FSA/HSA ELECTION IS MADE?

HOW ABOUT MY OTHER BENEFITS?

Are currently enrolled in American benefits

Your current benefit elections will continue for 2014, at the same coverage level for you and your currently covered dependents. Any previous FSA/HSA

elections will be reset to $0 for 2014.

Your remaining benefit elections will continue for 2014, at the same coverage level you have in 2013 for you and your currently covered dependents.

Are currently enrolled in an HMO plan for which you’re no longer eligible for in 2014

You will default to Core option at the same coverage level you and your covered dependents currently have.

Live in a state where the preferred administrator is changing

Your current benefit elections will continue for 2014, at the same coverage level for you and your currently covered dependents. Your preferred administratordepends on the alternate address you have on file with American — review the map on page 2.

Any previous FSA/HSA elections will be reset to $0 for 2014.

Your remaining benefit elections will continue for 2014, at the same coverage level you have in 2013 for you and your currently covered dependents.

Have waived coverage

You will default to no coverage (waived) for 2014.

N/A Your remaining benefit elections will continue for 2014, at the same coverage level you have in 2013 for you and your currently covered dependents.


AMERICAN BENEFITS





Time to Decide


Important Notices

Enroll Now

Contacts

Contacts

Use this chart all year long to see your important contacts.

IF YOU WANT TO … CONTACT …

n Find benefits information, forms, contact lists and links to plan administrators’ websites

n Get information on life events n Enroll online n See current benefit election summary n Find Summary Plan Descriptions (SPD)

my.aa.comHR Services 1-800-447-2000 (8 a.m. - 5 p.m. CST, Monday – Friday)

n Check online claim status and details n Compare hospitals and medical costs n Find a doctor n Order and print ID cards

UnitedHealthcarehttps://www.jetnet.aa.com/jetnet/go/ssouhc.asp1-800-955-8095

Aetnahttps://www.jetnet.aa.com/jetnet/go/ssoaetna.asp1-800-572-2908

BlueCross and BlueShield of Texas (even if you don’t live in Texas)https://www.jetnet.aa.com/jetnet/go/ssobcbs.asp1-877-235-9258

n Ask dental coverage questions n Check dental claims n Print ID card

MetLife https://www.jetnet.aa.com/jetnet/go/ssometlife.asp1-866-838-1072

n Find information about your Health Spending Accounts and Flexible Spending Accounts

n Ask coverage questions and find additional information n Print ID card

WageWorks1-877-WAGEWORKS(1-877-924-3967)Beginning January 1, 2014:www.WageWorks.com

my.aa.com

https://www.jetnet.aa.com/jetnet/go/ssouhc.asp

https://www.jetnet.aa.com/jetnet/go/ssoaetna.asp

https://www.jetnet.aa.com/jetnet/go/ssobcbs.asp

https://www.jetnet.aa.com/jetnet/go/ssometlife.asp

www.WageWorks.com


AMERICAN BENEFITS





Time to Decide


Contacts

Important Notices

Enroll Now

IF YOU WANT TO … CONTACT …

n Ask vision coverage questions and find additional information

n Print ID card

Specterahttps://www.myspectera.com/members/index.jsp1-800-638-3120(8 a.m. to 11 p.m., Saturday, 9 a.m. to 6:30 p.m., EST)

n Get answers to retirement planning and savings questions n Find retirement planning information n Enroll and make changes to contributions or investment

elections

$uper $aver www.retireonline.com 1-800-345-2345

n Find pharmacy information and a list of preventive drugs n Review formulary and drug costs

Express Scripts During Annual Benefits Enrollment only: www.express-scripts.com/americanairlines1-800-988-4125

n Find out more about Healthmatters, including your eligibility and to enroll in the program

Healthmattersmy.aa.com/healthmatters1-888-227-6598

n Review and enroll in voluntary offerings Something Extrawww.AAaddedbenefits.com 1-855-550-0706

Contacts

https://www.myspectera.com/members/index.jsp



my.aa.com/healthmatters


AMERICAN BENEFITS





Time to Decide


Contacts

Enroll Now

Important Notices

Important Notices

Summary of Benefits and Coverage American Airlines is required to provide you the Summary of Benefits and Coverage (“SBC”) and the Uniform Glossary (“UG”). We’ve created a separate SBC for each of the self-funded medical benefit options that will become effective on January 1, 2014, and the UG applies to all these options. You can use the SBCs and the UG as quick references for what benefits are available in each option, and an explanation of terms used in benefit plans.

To access the SBCs and UG, go to Benefits Service Center when enrolling in medical coverage.

About This OverviewDISCLAIMER: This is an overview of your benefit options. The complete provisions of the plans are set forth in the plan documents, available for review from Your Health Resources under Official Plan Document and Summary Plan Description or contact HR Services. If the information in this overview is inconsistent with the plan documents, the plan documents will govern. This overview is not intended as a contract of employment or a guarantee of current, past or future employment. The plan sponsor(s) reserve the right to amend or terminate each plan at any time.

https://www.jetnet.aa.com/jetnet/go/ssomercer.asp?AppId=FWHome

http://my.aa.com/en/your-health-resources

active employees - american airlines

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