Northrop Grumman Corporation

• The filing says benefits are paid from a trust the plan controls.
• Medical insurance bought from Kaiser Permanente, HMSA (Blue Cross Blue Shield of Hawaii) is on file, covering about 16,939 people.
• We ignored 3 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
• We ignored a small insurance contract with Cigna covering about 595 people; it is too small to be the main plan.
• Medical insurance is on file, but the plan also pays benefits from the employer's own money, so some options are likely self-funded.
• The insured options cover only about 18% of the 93,428 participants, so most people in this plan are in the self-funded part.
• The self-funded part's claims are processed by Anthem, Quantum Health, American Family Life Assurance (Schedule C).

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.

• This employer files 3 health plans for this group; we judged them together.

1. NG Corporation Retiree Welfare Benefits Plan · 49,263 people · Both kinds

   • The filing says benefits are paid from a trust the plan controls.
   • Medical insurance bought from Kaiser Permanente is on file, covering about 655 people.
   • Medical insurance is on file, but the plan also pays benefits from the employer's own money, so some options are likely self-funded.
   • The insured options cover only about 1% of the 49,263 participants, so most people in this plan are in the self-funded part.
   • The self-funded part's claims are processed by Anthem, Benefit Outsourcing Solutions (Schedule C).

2. Ngis Welfare Benefit Plan 3 - Retiree Health and Life Plan (funded) · 1,211 people · Self-funded · federal rules

   • The filing says benefits are paid from a trust the plan controls.
   • No medical insurance contract is on file (Schedule A).

3. NG Innovation Systems Welfare Benefit Plan 2 Retiree Health and Life Plan · 1,076 people · Self-funded · federal rules

   • The filing says benefits are paid from the employer's general assets.
   • No medical insurance contract is on file (Schedule A).

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.