Northrop Grumman Federal Credit Union is making these Dental and Vision coverage offerings available to you.

NGFCU membership is not required to enroll.

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.

Download and Print the VSP EOC book

Your spouse and dependent children up to age 26 are also eligible for dental coverage under these programs.

• Minimize out-of-pocket expenses with theCIGNA 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 Care 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.

• 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 Core 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 26,000 participating doctor locations.

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

• Eye exam once every 12 months

• Prescription glasses single vision, 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 $120 allowance applies to the cost