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Medical Plans and Prescription Drugs

In 2026 Leidos offers eligible employees three (3) comprehensive Consumer Directed Health Plans (CDHP) featuring a Health Savings Account (HSA)

  • SmarterCare Basic CDHP Plan
  • SmarterCare Essential CDHP Plan
  • SmarterCare Elite CDHP Plan

The CDHP plans feature a Health Savings Account (HSA) to help you save and budget for eligible healthcare expenses, with tax-free advantages. The company may contribute to the Health Savings Account (HSA) if you enroll in a SmarterCare CDHP plan. The company contribution will be based on the employee’s annual salary* and the medical plan and coverage level elected.

*Note: The Company’s HSA contribution will be based on the employee’s base salary as of Open Enrollment or as of their benefit eligibility/new hire date, whichever occurs later. The Company’s contribution will not change during the plan year in the event that the salary and/or coverage level (e.g., Employee Only to Employee + Spouse, etc.) later change. 

Leidos also offers the SmarterCare Preferred Provider Organization (PPO) Plan which provides access to a national network of providers as well as out-of-network providers.  In addition, employees living in certain areas may be eligible to elect medical coverage through the Health Maintenance Organizations (HMOs), Triple S, or the Cigna Global Medical Plan.

How the Plans Work

With a number of medical plans available, Leidos employees can choose the medical plan that works best for their personal situation. Employees can choose between plans that offer significant choice in doctors, hospitals, and other providers and those that are more managed because they only cover network services.

Pre-existing condition clauses do not apply to any of our medical plans.

For more information about the medical plan options that Leidos offers, participants should read the information in this summary.

Employee Contributions

Leidos and participants share the cost of coverage. Each pay period, a participant who enrolls in a Leidos medical plan contributes a set dollar amount to help pay for the cost of the plan. The contribution amount will vary based on the coverage level the participant has elected: employee only, employee plus spouse, employee plus one or more children or family coverage. These contributions are taken automatically from the participant's paycheck on a pre-tax basis. Premiums for domestic partners are paid by the participant on an after-tax basis.

Eligibility

A Leidos employee is eligible to enroll in Leidos benefit programs under the following conditions:

  • Must be an active, regular full-time employee working at least 30 hours per week or a part-time employee, regularly scheduled to work at least 12 hours per week but less than 30 hours per week; and
  • Must live in the geographic area served by a particular plan.

Temporary employees, leased workers, and people classified by Leidos as independent contractors are not eligible to participate in Leidos benefit programs.

Consulting employees (CEs) are eligible to enroll in a Leidos-sponsored medical plan only and pay 100% of the plan premium. 

Coordination of Benefits

If a participant or a participant's dependents are covered under more than one medical plan, all of the medical plans that provide coverage can work together to coordinate benefits. The participant is responsible for filing or submitting any necessary paperwork to the appropriate plans.

Under Leidos' coordination of benefits provisions, the plans will pay benefits up to the level which would have been paid if the Leidos plan had been the primary plan. This coordination of benefits provision applies to all of Leidos' medical plans.

When one of the Leidos medical plans is the primary plan, benefits are paid first without regard to any other plans. The participant is responsible for coordinating any benefits by submitting the Explanation of Benefits and itemized bill to the secondary plan.

 

Determining Which Plan Pays First

Leidos uses the following insurance industry guidelines for determining the primary and secondary payers for employees and dependents.

Employees

The plan that covers the participant as an employee is the primary payer. The plan that covers the participant as a dependent is the secondary payer.

Dependents

For an employee's spouse or domestic partner, a plan that covers him or her as an employee is the primary payer for his or her claims. If an employee has elected coverage for his or her spouse or domestic partner as a dependent and he or she has coverage through another employer, the Leidos medical plan is the secondary payer.

For an employee's dependent children, the plan of the parent whose birthday occurs first in the calendar year is usually the primary payer. But if one plan does not have a birthday rule provision, the provisions of that plan determine the order of benefits. Exception: For a dependent child of parents who are divorced or separated, the following rules will be used:

  1. If the parent with custody of that child for whom a claim has been made has not remarried, then the plan of the parent with custody that covers that child as a dependent pays first.
  2. If the parent with custody of that child for whom a claim has been made has remarried, then the order in which benefits are paid will be as follows:
    1. The plan which covers that child as a dependent of the parent with custody.
    2. The plan which covers that child as a dependent of the stepparent (married to the parent with custody).
    3. The plan which covers that child as a dependent of the parent without custody.
    4. The plan which covers that child as a dependent of the stepparent (married to the parent without custody).
  3. Regardless of 1 and 2 above, if there is a court decree which establishes a parent's financial responsibility for that child’s health care coverage, a plan which covers that child as a dependent of that parent pays first.

When none of these rules establishes order, benefits are paid first by the plan that has covered the person for the longer period of time unless two of the plans have the same effective date. In this case, Allowable Expense is split equally between the two plans.. An exception is a plan that covers a laid-off or retired employee. That plan is secondary to a plan that covers a person as an active employee.