Mike Maroone Automotive

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Wellbeing
  4. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  5. Decision Doc
  6. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Virtual Visits
    5. Voluntary Benefits
    6. Carrier Resources & Education
  7. Direct Primary Care (DPC)
    1. DPC Overview
  8. Accounts
    1. Flexible Spending Accounts (FSA)
    2. Health Savings Account (HSA)
    3. Dependent Care Reimbursement Account (DCRA)
  9. Dental
    1. Dental Plans Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  10. Vision
    1. Network & Resources
  11. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Carrier Resources & Education
    4. Voluntary Benefits
  12. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  13. 401k
  14. Additional Educational Videos
  15. Have Questions?
  16. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Mike Maroone Automotive. We are 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. Mike Maroone Automotive remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to our associates. Highlights of the 2024 benefit plans include:


New!

  • Direct Primary Care services in Colorado through Everside
  • Lower Cost Dental PPO plan through Ameritas
  • Life and Disability Benefits through UNUM
  • Supplement Health Benefits through Cigna
  • Open Enrollment Support Tool through HYKE


Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2024!

Wellbeing

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective wellbeing plays a crucial role. At Mike Maroone Automotive, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social wellbeing. Whether within a corporate setting, a community, or on a personal level, wellbeing focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing associate wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.


To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.

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Eligibility & Enrollment

All Benefits Eligible associates working at least 30 hours per week are eligible to participate in the benefit plans offered by Mike Maroone Automotive. Newly hired associates will be eligible the 1st of the month following 30 days of employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.


Children are eligible for benefits as follows:

•Medical, Dental and Vision: Until the last day of the year in which the child turns 26

•Child Life Insurance & AD&D: Up to age 26

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Log Into ADP

Make Your Open Enrollment Elections Here

Log Into ADP

Make Your Open Enrollment Elec ...

ENROLLMENT INSTRUCTIONS:

  1. Review your benefit information included on this site
  2. Log into your account via http://www.workforcenow.adp.com/
  3. Follow instructions and enroll in your benefits - you must complete open enrollment even if you are waiving benefits
  4. Make sure to save your elections and save/print your confirmation statement.


The Benefit choices you make during your open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.


Contact Human Resources if you have questions about qualifying events.

Decision Doc

Choosing the right benefits is complicated. Make it easy with Decision Doc – full coverage, digital guidance. This is a free, confidential and secure platform that will help you achieve health and financial wellness.


Get started in 3 easy steps:

  1. Go to Decision Doc: www.myhyke.com/mikemaroone2024.
  2. Answer questions about healthcare needs, finances and family.
  3. Receive a Protection Score between 0-999. Use this personalized guidance to choose benefits and improve your score.



Questions? Connect with the team at questions@letshyke.com

Decision Doc Flyer $5k Sweepstakes

Decision Doc Flyer $5k Sweepstakes

Medical & Rx

Cigna

Group #0633916 | 866-494-2111 | www.mycigna.com


Cigna will continue to be your medical and prescription carrier. You have the choice between three plans for the 2024 plan year. The three plan options include two PPO Copay plans and an QHDHP plan. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.


If you are already enrolled in one of the MMA Cigna medical plans today and have not already done so, please be sure to register through the Cigna member portal where you can access important information pertaining to your medical plans with Cigna including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the Cigna portal as of your effective date of coverage. Information on how to register can be found www.mycigna.com.

Selecting benefits is a personal decision and the answer will be different for everyone! Use Decision Doc (www.myhyke.com/mikemaroone2024) to learn more and compare your options.


Below is a high-level overview of your plan options and in-network benefit information:



You can view more details of these plans by accessing the benefit summaries provided below.

You can go online to see the most up-to-date list of medications your plan covers. Go to myCigna App or myCigna.com, click on the Find Care & Costs tab, select Price a Medication, and type in your medication name.


Use Cigna.com/PDL to access your Cigna Advantage 4-tier prescription drug list (all specialty medications covered on tier 4. You can also determine whether there may be lower cost alternatives for your prescriptions.


Helpful Rx Cost Saving Tools & Tips!

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking the mail order link below.

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

Cigna Pharmacy Information

Cigna Pharmacy Information

Please refer to your dealership's benefit guide to view more information on your Cigna network offered.

Teladoc Health

Connect with virtual care your way.

› Contact your in-network provider or counselor

› Talk to an MDLIVE medical provider on demand on myCigna.com

› Schedule an appointment with an MDLIVE provider or licensed therapist on myCigna.com

› Call MDLIVE 24/7 at 888.726.3171


Cigna Virtual Care

Cigna Virtual Care

Voluntary Benefits

Mike Maroone Automotive now provides a competitive benefits package for all associates as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to you. These benefits are paid for through payroll deduction on a post-tax basis so that the benefits are tax free.


Accident, Critical Illness, & Hospital coverage is provided through Cigna. Hopefully you are never in the position to use it, but if you were to experience an accident, illness, or hospitalization, it could end up costing you a lot of money. With these plans, you will be paid money for qualifying situations/services to cover out of pocket expenses or you may use the funds for whatever you like.


Key Features to Consider:

› Flexible. Use the money however you want. Pay for anything, including medical deductibles, child care, groceries, etc. It’s up to you.

› Supplement your medical plan. Benefits are paid in addition to other coverage you may have.

› Cost-effective. Your premium is conveniently deducted from your paycheck at a low group rate.


Easy Access to Your Benefits:

› Submit your claim to Cigna online or by phone, email, fax or mail. (Supplemental Health Plan Claims | Cigna Healthcare)

› Cigna reviews your claim.

› Benefit payment is sent directly to you.

Accident

Accident

Critical Illness

Critical Illness

Hospital Indemnity

Hospital Indemnity

Cigna Benefit Summary Gold Plan

Cigna Benefit Summary Gold Plan

Cigna Benefit Summary Silver Plan

Cigna Benefit Summary Silver Plan

Cigna Benefit Summary Bronze Plan

Cigna Benefit Summary Bronze Plan

Where to go and when

Where to go and when

Cigna Preventive Guide

Cigna Preventive Guide

HDHP+HSA

HDHP+HSA

Cigna Voluntary Benefits Flyer

Cigna Voluntary Benefits Flyer

Direct Primary Care (DPC)

For the 2024 plan year, Direct Primary Care (DPC) services will be offered through Everside with enhanced member technology resources and access.

DPC Overview

Everside

Did you know that Everside Health providers can help you manage up to 90% of your healthcare needs? Your Everside Health Centers are a convenient and affordable choice for you as well as your covered spouse and family members. Comprehensive, coordinated $0 cost care for the entire family, including:


• Primary and preventive care

• Same or next day appointments for urgent needs

• Chronic condition management

• Care coordination

• Women's health

• Pediatrics, including well child

• Onsite labs prescriptions

• And many more services


If you are an associate enrolled in the HDHP plan, Mike Maroone Automotive will pay 100% of the cost for your access to Everside.


For questions or more information, call 866-808-6005 or visit the link below to register.

Everside Primary Care Flyer

Everside Primary Care Flyer

Everside Colorado Locations Map

Everside Colorado Locations Map

Accounts

Optum

You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by Mike Maroone Automotive.

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The Bronze Medical Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.




HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.

$4,150 for a single contract | $8,300 for a two person or family

$1,000 "Catch Up" contribution for those age 55+


If you have an HSA with another bank or custodian, you can transfer your funds to the Mike Maroone with Optum by completing this form.


Visit the Optum HSA page for more information by clicking HERE !

HSA Overview

HSA Overview

HSA Store

HSA Store

Dental

Ameritas / Cigna

Mike Maroone's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental PPO plan includes both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.


If you are already enrolled in one of the Mike Maroone Automotive's plans today and have not already done so, please be sure to register through the Ameritas (DPPO) or Cigna (DHMO) member portal where you can access important information pertaining to your dental plan with Ameritas or Cigna including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the portals as of your effective date of coverage.

Ameritas DPPO Registration

Ameritas DPPO Registration

Cigna DHMO Registration

Cigna DHMO Registration

You have the choice of two dental plans - The DPPO Plan through Ameritas includes a deductible (for basic and major services only), ortho coverage, cost sharing for your basic and major services, and a $2,000 annual maximum - OR - The DHMO Plan through Cigna which is an in-network only plan with a fee schedule that requires you to designate a Cigna General DHMO Dentist.



You can view more details of these plans by accessing the benefit summaries provided below.

Ameritas offers one of the nation's largest dental networks. Plus, you will not be balance billed if you see an Ameritas Classic PPO dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and have to pay more.


The Cigna Dental Care (DHMO) plan includes coverage for many procedures that may not be available on other dental plans. There are no deductibles to pay before coverage begins, no annual dollar maximums on covered services, no claim forms, and no waiting periods.


Locate a participating provider by using the buttons below.

Ameritas Benefit Summary

Ameritas Benefit Summary

Ameritas Find a Provider Quick Start Guide

Ameritas Find a Provider Quick Start Guide

Ameritas Dental eServices

Ameritas Dental eServices

Cigna DHMO

Cigna DHMO

Cigna DHMO Fee Schedule

Cigna DHMO Fee Schedule

Vision

Ameritas / VSP

Ameritas offers vision coverage through VSP to help pay for eye exams, prescription glasses and contact lenses. Ameritas also provides coverage for Lasik.


If you are already enrolled in the Mike Maroone Automotive's vision plan today and have not already done so, please be sure to register through the Ameritas member portal where you can access important information pertaining to your vision plan with Ameritas including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Ameritas portal as of your effective date of coverage.


Your vision network with Ameritas is the VSP network. You may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to VSP for the applicable reimbursement based on the out-of-network reimbursement schedule.


Locate a participating provider using the button, select the VSP network.

Ameritas Benefit Summary

Ameritas Benefit Summary

Financial Protection

Mike Maroone Automotive understands the importance to you and your family to have strong financial protection. We provide all benefit eligible associates Basic Life/AD&D at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, associate paid basis so you can select what is best for your family. All of these coverages are provided through UNUM to protect your income and out of pocket expenses.

UNUM

A sudden accident or death can leave you or your loved ones in a vulnerable position. Mike Maroone Automotive provides all benefit eligible associates Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of $35,000 at no cost to you. Associates have the opportunity to enroll in additional Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in associate coverage, this will be in addition to your employer provided Basic Life coverage.



  • Evidence of Insurability (EOI) is required for increases in excess of 1 increment during open enrollment and for those electing voluntary life for the first time after initially waiving the coverage.
  • Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, 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.
UNUM

Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. 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.




Carrier Resources & Education

UNUM Benefit Summary

UNUM Benefit Summary

Personal Support & Assistance

Mike Maroone Automotive realizes that your needs go beyond just the standard insurance. This is why we also provide all associates and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program and Travel Assistance resources, both to give you peace of mind and support when you need it the most!

UNUM EAP Flyer

UNUM EAP Flyer

UNUM

Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services. Representatives can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.


  • Includes up to 3 face-to-face visits
  • Unlimited referrals for child and elder care
  • Unlimited referrals for personal services and community resources, such as financial services, debt management, and credit report issues
  • Consultation for identity theft matters
  • Legals services and support
  • Medical Bill Saver - helps you save on medical bills
  • Plus much more!


Contact UNUM toll-free at 1-800-854-1446 or unum.com/lifebalance for more info and to take advantage of these free services when you need them most

UNUM

All associates and their families have access to use the Travel Assistance services. Travel assistance services provided by UNUM and powered by Assist America offers a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and many other emergencies you may encounter when you travel. Whenever you travel 100 miles or more from home — to another country or just another city — be sure to pack your worldwide emergency travel assistance phone number. Travel assistance speaks your language, helping you locate hospitals, embassies and other “unexpected” travel destinations. Add the number to your cell phone contacts, so it’s always close at hand. Just one phone call connects you and your family to medical and other important services 24 hours a day.


Services include, but are not limited to:


  • Pre-Trip Assistance: Inoculation requirements, passport/visa requirements, currency exchange rates
  • Emergency Medical Transportation: evacuation, family visits, return of vehicles or companions.
  • Emergency Personal Services: translation, recovery of lost/stolen luggage or possessions, legal assistance
  • Medical Services: referrals for local physicians, case monitoring. prescription assistance


With the Assist America Mobile App, you can:

• Call Assist America’s Operation Center from anywhere in the world with the touch of a button.

• Access pre-trip information and country guides.

• Search for local pharmacies (U.S. only).

• Download a membership card.

• View a list of services.

• Search for the nearest U.S. embassy.

• Read Assist Alerts.


Downland and activate the app today from the Apple App Store or Google Play.

Reference number: 01-AA-UN-762490

UNUM Worldwide Travel Assistance Education Flyer

UNUM Worldwide Travel Assistance Education Flyer

Additional Educational Videos

Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.


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