Welcome To Your

Virtual Benefits Hub

Plan Year: 5/1/2026 - 4/30/2027

This Virtual Benefits Hub was designed to be an interactive, centralized resource for you and your dependents to visit both during

open enrollment and throughout the year.

This page will serve as your go-to resource for benefits-related questions. You’ll be able to access enrollment information,

important benefit documents and different tools to help you understand your benefit offerings.

How to Enroll

Helping you and your family reach and maintain good health is very important to Adventure Subaru. Adventure Subaru is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.

All team members have 24/7 access to our online benefits platform, where you can review your benefits and enrollment options at any time. You may enroll in a new plan or make changes to your current coverage if you are a new hire within your first 60 days of employment, within 30 days of a qualifying life event (such as loss of coverage, marriage, or birth), or during open enrollment, which runs annually from April 1 through May 30.

Helpful Tips To Consider Before You Enroll

Do you plan to enroll an eligible dependent(s)?

If so, make sure to have their social security numbers and birthdates available. You cannot enroll your dependent(s) without this information.

Have you recently been married/divorced or had a baby?

If so, remember to add or remove any dependent(s) and/or update your beneficiary designation.

Did any of your covered children reach their age limit for this year?

If so, they may no longer be eligible for benefits, unless they meet specific criteria

Ready to enroll?

Please complete the below applications and return them to Sarah Yehl.

Anthem covers medical insurance and enrollment is optional.
MetLife covers dental and vision and enrollment is optional.
Guardian covers disability and life insurance and are mandatory enrollments.

Anthem Medical Enrollment Application

MetLife Dental and Vision Enrollment Application

Guardian Life & Disability Enrollment Application (Mandatory)

Eligibility & Qualifying Events

Eligibility

Employee Eligibility: Employees are eligible for benefits the 1st day of the month following 30 days of employment.

If you do not enroll during the Open Enrollment period, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event. If you experience a Qualifying Life Event (i.e., birth or adoption of a child, marriage, divorce, loss of other coverage, etc.) you must enroll within 30 days of the Qualifying Event.

Dependent Eligibility: Eligible employees may enroll their dependents for coverage. Eligible dependents include:

Your legal spouse:
- You MUST submit a copy of your Marriage License. If you have already submitted this documentation previously, you do not need to resubmit.
Dependent children: up to the end of the month of 26th birthday regardless of student or marital status. The dependent child must meet the carrier’s legal definitions (i.e., child by birth, legal adoption or stepchildren that are required to be covered by court order).
- You MUST submit a copy of each child’s Birth Certificate. If you have already submitted this documentation previously, you do not need to resubmit.

Qualifying Life Events

If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.

Qualifying events include:

Marriage
Divorce
Birth/Adoption of a child
Death of a spouse or other enrolled dependent
Change in spouse’s benefits or employment status
A dependent becomes eligible for Medicare or Medicaid

Medical/Rx

Anthem (Group #SO3340)

Adventure Subaru offers 2 medical plans through Anthem.

Network: Blue Access PPO

Member Services: 1-844-412-0889

Anthem SBC PPO 3000

Anthem SBC PPO 3500

Prescription Drug

Your health plan is all about giving you choices. So, when you need a prescription medicine, you can choose home delivery through

CarelonRx Pharmacy or you can keep getting your prescriptions at your local pharmacy. It’s up to you. You just need to let Anthem know what

you want to do. You’ll be able to get your prescriptions filled at your local pharmacy two times — the first fill plus one refill — before you let

Anthem know your choice. After that, you’ll have to pay the full cost for your medicines until you contact Anthem.

TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.

TIER 2 | Low copay: This category includes non-preferred and low-cost generic drugs

TIER 3 | Higher copay: This category includes preferred, brand-name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and have a higher copay.

TIER 4 | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.

Helpful Rx Cost Savings Tools & Tips:

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail-order 90-day supply.

GOOD Rx - There are many tools online that you can use to save on prescription costs. One is GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (which will not count towards your maximums).

ASK YOUR DOCTOR – Make sure to ask if there are cost-saving alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

Below is a high-level overview of the prescription benefits, please refer to the SBC above for more detailed information.

Prescription Drugs - Managing Costs

Dental

MetLife | Group #5937007

Dental Benefits through MetLife Dental provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater if you go to an in-network provider.

Dental Benefits Explained

Vision

VSP | Group #5390069 www.vsp.com

DID YOU KNOW?

Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
Babies should receive their first professional eye exam at 6 months
80% of learning in the first 12 years comes through the eyes

Adventure Subaru offers vision coverage through MetLife which utilizes the VSP network to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the VSP Network.

To find out if your provider is in-network, please visit the VSP website below.

Vision Benefits Explained

Basic Life & AD&D

Guardian

Adventure Subaru provides all full-time employees with Basic Life/AD&D coverage.

Who's Your Beneficiary? Everyone needs to make sure your beneficiary is up to date when you enroll through.

Don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.

Life Policy Conversion is available if you want to keep this coverage after you leave employment with Adventure Subaru.

What is Basic Life

Beneficiary Designation Form

Short Term Disability

Guardian

Short Term Disability

Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. This benefit is 100% voluntary. Benefits begin the 1st day for an Accident and 8th day for an Illness and is effective for up to 13 weeks.

What is Short Term Disability

Contact Us

Human Resource Department

Client Contacts

Sarah Yehl

sarah@adventureautogroup.com

(440) 352-3700

Anthem Services

Interested in the services Anthem has available? This section will review the different services you have at your fingertips through Anthem.

Sydney Health App
Virtual Visits through the Sydney Health App
24/7 NurseLine
Well-Being Coach

Did you know?

Anthem has a blog with Member News, Healthy Living, and Health Insurance basic articles. Click on the link below to review!

Download Anthem's Sydney Health App

The Sydney^SM Health app is a free Anthem Blue Cross Blue Shield app that gives you fast and convenient access to your health insurance information right on your phone. It’s like having a personal health assistant in the palm of your hand.

What Can You Do With Anthem’s Sydney App?

Find A Doctor And Check Your Costs

Search for doctors, hospitals, labs, and other health professionals in your plan. You can search by name, location, and type of care. You can even filter by gender or languages spoken, and then check costs before you go to find what’s best for you.

View Your Claims

Check medical claims with one click. That means you can spend more time focused on your health and less on managing your healthcare benefits.

See All Your Health Coverage Benefits

The Sydney app shows you essential information at a glance. Whether that’s an overview of your plan, health reminders, or suggestions for wellness programs. You also can find your deductible, copay, and share of costs.

View And Use Your Anthem Digital ID Card

You’ll always have your most current Anthem ID card handy. You can use it just like a paper one when you visit the doctor, pay for care, and more.

Use The Chat To Find Answers To Your Questions

Just type your questions in the app and receive the answers you’re looking for. Plus, Anthem’s Sydney app can suggest resources to help you understand your benefits, improve your health, and save money.

How to Find In-Network Doctors

The Find Care tool brings together details about doctors in your plan’s network. You can customize your search by name, location, specialty, or procedure. You also can compare information such as costs, languages spoken, and office hours.* To make sure a care provider is in your plan’s network, view the doctor or facility profile.

When you need care right away, the emergency room (ER) might be the first place that comes to your mind. However, the ER may not be the best choice in every situation. You have options when you have a sudden need for care, and knowing what they are can help you save time and money — and feel better sooner.

How to find the care you need - instructions for employees who are already enrolled:

Go to www.anthem.com (click the link below) or download the Sydney Health App
Then, log in to:
1. Find a doctor if you don’t have a PCP.
2. Have a virtual visit with a doctor using the Sydney Health App
3. Find a retail health clinic, urgent care center, or ER.
Choose the Find Care tab and follow the steps.

How to find the care you need - instructions for employees who are not currently enrolled in the medical:

Go to www.anthem.com
Network Blue Access PPO
Click Basic search as a guest
1. Select the type of plan or Network
  1. Choose Medical Plan or Network (may also include dental, vision or pharmacy benefits) from the drop-down
2. Select Ohio
3. Select Medical (Employer-Sponsored)
4. Select Blue Access PPO and hit continue
Enter your zip code and your physician's name
or
Search by Care Provider

24/7 NurseLine

24/7 NurseLine serves as your first line of defense for unexpected health issues. You can call a trained, registered nurse to decide what to do about a fever, give you allergy relief tips, or advise you where to go for care. A nurse is always available to help answer your questions.

The Anthem Nurseline can help you with:

finding care from a doctor, hospital, or specialist in your area.
enroll you in health management programs through Anthem for certain health conditions.
remind you about scheduling important screenings and exams.
provide guidance during natural catastrophes and health outbreaks.
offer links to health-related educational videos or audio topics.

Call the NurseLine today at (800) 337-4770.

What is the health management program?

Get tools and support for managing chronic conditions:

diabetes
asthma
heart disease

Anthem health advocates can help you follow your healthcare plan.

For more information about the program, call Anthem at (866) 962-1071

Anthem ID Card

Your Anthem Blue Cross Blue Shield insurance card contains all the necessary information you need to use your health insurance. Once you sign up for an Anthem plan, you will receive an Anthem ID card. The ID card envelope will not show that it is coming from Anthem. Be on the lookout for a blank white envelope in the mail.

How to find your Anthem ID card?

Click here for instructions to obtain your Anthem ID card.

Employee Contributions

Pre-Tax Contributions

You share in the cost of your Medical, Dental, and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account or a health savings account, those contributions will be taken out of your pay on a pre-tax basis based on your election.

Adventure Subaru

Table of Content