Northrop Grumman Federal Credit Union is making these Voluntary Insurance offerings available to you.

Credit Union membership is not required to enroll.

Coverage in these insurance plans is totally voluntary and you should evaluate the need for this coverage based on your specific circumstances. Northrop Grumman Corporation does not endorse or recommend this coverage. Northrop Grumman Corporation cannot assist with questions or disputes regarding this coverage.

P.O. Box 3907
Gardena, CA 90247-7599
Call toll-free:
1-888-293-4903

Since 1995, Northrop Grumman Federal Credit Union has offered retirees the opportunity to purchase dental coverage. In 2003, vision care coverage was added as an option.

Retirees are eligible to enroll in a dental and/or vision care coverage program between April 15 and June 6, annually, for a full plan year that starts on July 1, or not less than 15 days prior to the beginning of each calendar quarter with coverage effective as of October 1 or January 1 for a partial plan year. The plan year always ends on June 30. Call the Dental/Vision Call Center toll-free for an Enrollment Kit or questions at 1-888-293-4903 Option 1.

Download and Print an ENROLLMENT KIT

Your spouse and dependent children up to age 19 (age 25, if a full-time student) are also eligible for dental coverage under these programs.

• Minimize out-of-pocket expenses with the CIGNA Dental HMO, a managed care dental program

• No deductible, no maximums, and no claim forms to file.

• No charge for most diagnostic and preventative services.

• For other services, the sample Patient Charge Schedule in your enrollment kit lists your fixed co-payments for covered procedures. The complete list is mailed upon enrollment in the Dental HMO plan.

• Orthodontic coverage is available for children up to age 19 and adults.

• Finding a CIGNA Dental HMO network dentist near your home is easy. Visit the dental office locator at www.cigna.com, or call a representative at 1-800-244-6224.

• Out-of-network benefits are not available with the CIGNA Dental HMO.

• Save on out-of-pocket expenses for treatment when you visit general dentists or specialists in our large national CIGNA Dental PPO network - more than 87,500 dentists nationwide as of January 2007.

• Or use out-of-network benefits when you visit any dentist you choose. Your out-of-pocket expenses will be higher when you visit an out-of-network dentist.

• In-network or not, you'll be reimbursed for all or part of the costs for covered procedures up to your annual dollar maximum, after meeting your deductible.

• No referral is required to see a specialist.

• Fast, accurate convenient claims processing. Most CIGNA network dentists file claim forms for you; you must file claims for out-of-network care.

• Finding a CIGNA Dental PPO network dentist near your home is easy. Visit the dental office locator at www.cigna.com, or call a representative at 1-800-244-6224.

This coverage, provided by Vision Service Plan (VSP), the largest vision care provider in the United States, has over 24,000 participating doctor locations.

To locate a vision expert in the VSP network, visit www.vsp.com or call 1-800-877-7195.

• Eye exam once every 12 months

• Prescription glasses single visiion, lined bifocal and lined trifocal lenses once every 12 months

• Frames covered up to $120.00 plus 20% off any out-of-pocket cost once every 24 months

• Contacts in lieu of glasses your $105 allowance applies to the cost