Your Health Choice Plans and Benefits
Benefits 101: Understanding How Our Plans Work
Here’s an overview of some key plan terms you may see when seeking and paying for care.
Annual deductible:
The amount you must pay for eligible covered services each calendar year before the Plan will begin paying benefits (for most services). There is one annual deductible that applies to all those enrolled under your plan.
Co-insurance:
A fixed percentage that you are required to pay for eligible covered services (after you meet the annual deductible, up to the co-insurance maximum). The co-insurance amount under the GE Aerospace medical plans is generally 20% of allowed amounts when you stay in-network and 40% of allowed amounts when you are out-of-network.
Co-pay:
A fixed amount you pay for eligible covered services or prescription drugs, generally at the time you receive the services.
Medical plan administrator:
Your medical plan administrator - also referred to as your plan carrier or health insurance provider - may vary depending on your zip code. Be sure to review your medical plan ID card for details about your plan administrator, including important numbers for questions and additional support.
Out-of-pocket maximum:
This is the most you’ll pay in a calendar year for eligible covered services, whether received in-network or out-of-network. It includes the total of your annual deductible plus your co-insurance maximum. Once your out-of-pocket expenses reach this combined limit, your health plan covers 100% of eligible costs for the rest of the calendar year.
Payroll contributions:
The amount you pay, pre-tax, per pay period for your coverage. You continue to pay contributions even after you’ve met your plan’s annual deductible.
Preventive care:
Annual preventive visits, including women’s health preventive visits and cancer screenings, are covered at 100% in-network for all plan options.
Medical
GE Aerospace offers three medical plans to choose from:
- Option 1
- Option 2 with a Health Savings Account (HSA)
- Option 3 with a Health Savings Account (HSA)
How the medical plans are the same:
- All offer a broad range of coverage (doctor visits, surgery and hospitalization, behavioral health and substance use treatment, and more)
- Cover preventive care at 100% (when using in-network providers)
- Include prescription drug coverage (for generic, brand-name, and specialty medications filled through retail pharmacies or mail order)
- Have an out-of-pocket maximum, which puts a limit on the amount you’ll pay for covered services each calendar year
Benefits Tip!
When seeking preventive care, let your provider know this is a preventive visit/screening or annual physical during your appointment to ensure the visit is billed as preventive care.
Prescription Drug
If you enroll in a GE Aerospace medical plan, you’ll receive your prescription drug benefits through OptumRx.
Note: You must fill your prescriptions at an in-network pharmacy for your prescription to be covered. There are no out-of-network pharmacy benefits.
For additional support:
- Call the OptumRx Pharmacy line: 1-800-509-9891
- Reach out to a Health Coach: 1-866-272-6007
- Visit OptumRx’s GE Aerospace landing page for a list of eligible drugs, the in-network pharmacy locator, a pricing and coverage tool, and more.
How your prescription drug coverage works
Dental
The GE Aerospace Dental Plan is provided through MetLife Dental and covers a broad range of services including preventive care, diagnostic care, Orthodontia, oral surgery, restorative and prosthodontic care, and more.
Benefits Tip!
Although you can choose to use any dentist, an in-network provider may reduce your out-of-pocket expenses. To find an in-network dentist, visit HR Central > Health & Insurance > Dental Benefits > mybenefits.metlife.com > Find a dentist.
Behavioral Health
The GE Aerospace Behavioral Health Plan is provided through Optum Behavioral Health for all three GE Health Choice plans and covers behavioral health and substance use benefits. Optum offers a large network of psychiatrists, psychologists, certified addiction counselors, social workers, hospitals, and treatment centers.
Pro Tip: Contact Health Coach from GE Aerospace 24/7 at 1-866-272-6007 for a referral to an in-network provider and/or for necessary approvals.
Vision
The GE Aerospace Vision Plan is provided through Davis Vision and covers eye exams, glasses, and contact lenses.
New for 2026: The GE Aerospace Vision Plan annual allowance will increase from $200 to $250 per covered individual to cover frames, lenses, or contacts.
Benefits Tip!
Be sure to practice preventive care – it’s covered at 100%.
Additional Health Benefits
Get high-quality care through our additional specialty programs:
Lantern - New for 2026!
With Lantern, you’ll have access to a personal Care Advocate who can help match you with a surgeon within our Center of Excellence (COE) network when you need a planned, non-emergency procedure.
Lantern covers more than 1,500 planned, nonemergency surgeries. Whenever possible, your Care Advocate will match you with a surgeon that’s close to your home.
Commonly covered procedures include:
- Spine
- Orthopedic
- Joint
- Ear, Nose, & Throat
- Cardiac
- Gynecology
- General Surgery
- Gastrointestinal
- Spine & Ortho Injections
- Urology
- Bariatrics
You’ll receive full details in January 2026. For general information before January 2026, contact Lantern at 1-855-690-9649, weekdays from 7:00 a.m. - 11:00 p.m. Eastern time.
Sword Health - New for 2026!
Sword Health offers access to top digital physical therapy you can use anytime, anywhere, and at no cost to you.
You can expect:
- A best-in class tablet sent to you for guided sessions to complete personalized exercises tailored to your current pain level and goals.
- 1:1 clinical support with expert guidance from a dedicated Doctor of Physical Therapy and access to an on-call specialist in the Sword Health Mobile App for 24/7 support.
- Short and effective sessions.
More information will be shared in January 2026.
2nd.MD
When confronted with a major diagnosis you have access to 2nd.MD, a company-paid second opinion program that includes best-in-class providers specializing in the diagnosis you’ve received at no cost to you.
Taking the time to receive a second opinion with 2nd.MD may lead to:
- A more effective treatment plan
- An alternative or different diagnosis
- An alternative to surgery
Get started with 2nd.MD to get a second opinion:
- Visit to start: 2nd.MD/geaerospace
- Or reach out to a Health Coach:
- 1-866-272-6007, weekdays from 9:00 a.m. – 7:00 p.m. Eastern time
- Email a coach
Health Coach
Get answers to your health questions from specialty trained nurses backed by a team of doctors, all focused on supporting your whole wellbeing. Coaches can also help you understand and resolve coverage and claims issues with your GE Aerospace medical plan benefits, access your Employee Assistance Program (EAP), and more.
During Annual Enrollment, reach out to a Health Coach from GE Aerospace for personalized support. A coach can walk you through all your benefits, including some you may not even know you have! Coaches can also answer detailed questions specific to your or your loved ones’ needs to help you feel confident about your elections.
Reach out to a Health Coach:
- 1-866-272-6007, weekdays from 9:00 a.m. – 7:00 p.m. Eastern time
- Email a coach
- Live Chat with a coach
Life Insurance
You’re automatically enrolled in Basic Life Insurance at no cost to you, providing coverage equal to 2x your eligible earnings. You’re also automatically enrolled in Accidental Death & Dismemberment (AD&D) coverage, fully paid by the company.
During Annual Enrollment, you have the option to enhance protection for both you and your family by purchasing additional supplemental life or personal accident insurance. A statement of health may be required.
Benefits Tip!
- When reviewing your elections, be sure to verify and update your Life Insurance, Accidental Death and Dismemberment, and Personal Accident Insurance beneficiary information at HR Central > Health & Insurance > Manage Beneficiaries.
- Retirement Plan beneficiaries can be viewed or updated by logging on to Fidelity NetBenefits.
Disability Benefits
Short-Term Disability
Short-Term Disability benefits are provided through the Salary Continuation Program (SCP), which offers up to 26 weeks of pay at 100% of your Normal Straight-Time Annual Earnings, minus any state-mandated benefits for employees working in applicable states. To qualify, you must be under the care of a medical professional, and your disability must be certified and approved by our Leave Administrator, Sedgwick.
Long-Term Disability
You can enroll in Long-Term Disability benefits through the Long-Term Disability Income Plan (LTDIP), with proof of good health, which provides financial support if you’re unable to work due to an approved illness or injury and have been on continuous leave for more than 26 weeks. Under the LTDIP, you elect a percentage of pay to receive during your disability, and this percentage also determines the amount deducted from your paycheck on a post-tax basis.
Need to open a disability claim? Contact Sedgwick at 1-800-392-0789 or open a claim online here. For more details, view the Your Benefits Handbook on HR Central > Health & Insurance > Your Benefits Handbook.
Benefits Tip!
Eligible employees are automatically enrolled in the Salary Continuation Program, which is 100% company-paid, unless contributions are required by state law. If you’d like to enroll in LTDIP benefits, you can do so during Annual Enrollment or following a qualifying life event.
This guide provides highlights of the changes to health and welfare plans. If there are any conflicts between this document and the Plan documents, the Plan documents prevail. GE Aerospace (General Electric Company or the Company) sponsors certain employee benefit plans or programs. General Electric Company, operating as GE Aerospace, reserves the right to terminate, amend, suspend, replace or modify its benefit plans and programs at any time and for any reason, in its sole discretion. GE Aerospace will exercise this right consistent with the terms of any applicable collective bargaining agreement and any obligations imposed by law. No individual has a vested right to any benefit under a GE Aerospace welfare benefit plan or program.
