Northrop Grumman Executive Health Plan Matrix (Effective July 1, 2006)
This document outlines the Northrop Grumman Executive Health Plan, which provides comprehensive medical, dental, vision, hearing, and mental health coverage for eligible employees, their spouses, and dependents. The plan features 100% coverage for most eligible expenses, no deductibles or co-payments, and generous annual and lifetime maximums. Additional benefits include company-paid life insurance, accidental death and dismemberment insurance, long-term disability coverage, and an annual allowance for executive physicals. The plan is administered by Blue Cross Blue Shield of Illinois and Delta Dental, with specific coverage limits and conditions detailed for each benefit.
Exhibit 10.6
Northrop Grumman Executive Health Plan Matrix
| Plan Feature | Benefit | |
| Eligibility | Employee + Spouse & Dependents | |
| Medical Plan | Premium PPO Plan administered by Blue Cross Blue Shield of Illinois | |
| Coverage | 100% coverage, for all eligible plan expenses | |
| Annual Deductible | No annual deductible | |
| Co-payment/Co-insurance | No co-payment/No co-insurance | |
| Preventive Care Coverage | $500 annual maximum per covered individual | |
| Prescription Drug Coverage | Covered under Medical Plan | |
| Annual Deductible | No annual deductible | |
| Coverage – retail 30-day supply | 100% coverage, when network pharmacy is utilized | |
| Coverage – mail order 90-day supply | 100% coverage, when network pharmacy is utilized | |
| Vision and Hearing Coverage | $500 vision/ $500 per year per plan year per covered individual | |
| Acupuncture and Acupressure | 20 visits [combined] – per person, per plan year | |
| Chiropractic Care | 40 visits per benefit plan year | |
| Physical Therapy | 50 visits per benefit plan year (in and out-of-network combined) | |
| Speech Therapy | 50 visits per benefit plan year (in and out-of-network combined) | |
| Occupational Therapy | 50 visits per benefit plan year (in and out-of-network combined) | |
| Mental Health Coverage Inpatient treatment must be pre-authorized by Value Options | Mental health is 100% covered (in and out-of-network combined) Unlimited office visits (in and out-of-network) | |
| Mental Health Maximums | Combined Lifetime Limits - included in $2 million per person Medical lifetime maximum | |
| Health Plan Lifetime Maximums | $2,000,000.00 per covered individual, including mental health benefits | |
| Dental Plan | Premium PPO Plan administered by Delta Dental | |
| Annual maximum | $4,000 per person – per benefit plan year | |
| Coverage | 100% coverage, for all eligible plan expenses up to annual maximum | |
| Annual Deductible | No annual deductible | |
| Co-payment/Co-insurance | No co-payment/No co-insurance | |
| Plan Feature | Benefit | |
| Eligibility | Employee | |
| Life Insurance Coverage | Company-paid life insurance 3x Annual base salary up to a maximum of $2 million | |
| Accidental Death & Dismemberment (AD&D) Coverage | Company-paid accidental death & dismemberment insurance – 6 x Annual base salary up to a maximum of $1 million | |
| Long-Term Disability (LTD) | Company-paid basic LTD benefit of 75% of monthly base salary, up to a maximum monthly benefit of $25,000 | |
| Executive Physicals | $2,000/year allowance for executive physical | |
Effective July 1, 2006
