Annual Open Enrollment
IT'S TIME FOR OPEN ENROLLMENT!
Log into Ease & make elections for Oct. 1, 2025.
Enrollment runs from Tuesday, Sept. 16 through Friday, Sept. 26.
How to Enroll
You are eligible to enroll in the benefits program if you are a full-time employee working 30+ hours per week. When you enroll in the benefits program you may also cover your eligible dependents. These dependents include your legal spouse, and your child(ren) up to age 26 regardless of their student status, marital status, residence or financial dependence on you, and an unmarried child age 26 or older if they are disabled and incapable of self-support.
New hires or employees newly eligible for benefits must make their benefit elections on our benefits enrollment site within 30 days. Coverage will begin on the 1st of the month following a 30 day waiting period. For example, if your hire date is October 15th, your coverage begins December 1st.
Once elections are made, they can only be changed if there is a qualifying event such as marriage, birth, adoption, or a change in eligibility.
To enroll in benefits, click on the Open Enrollment link to the right. This will take you to Ease, our online enrollment portal.
Medical
Group Number: 1671065
Our medical insurance is provided through UnitedHealthcare. New ID cards will be issued for those who enroll in the $3,300 high-deductible plan.
You have two plans to choose from:
1) Copay Plan
2) HSA Qualified Plan
Both plans provide 100% coverage for preventive care, without deductibles or copays.
Both plans utilize UnitedHealthcare's largest network of providers called Choice Plus. To search the provider network, click the link below.
The HSA Qualified Plan lets you save money pre-tax in a Health Savings Account for future health expenses. See the HSA section for more information.
Kenosha Toyota shares in the cost of this benefit with you. Your monthly premium costs are as follows and will be deducted pre-tax from your paycheck:
Copay Plan
Employee Only: $221.91
Employee + Spouse: $590.72
Employee + Child(ren): $656.04
Family: $1,034.12
HSA Plan
Employee Only: $244.80
Employee + Spouse: $646.28
Employee + Child(ren): $725.06
Family: $1,136.33
Refer to each plan's Summary below for plan details.
Virtual Care
Virtual care, also known as online care or e-visits, is a convenient way for you to connect with a provider and receive treatment right from the comfort of your own home, utilizing a home computer or mobile device. With virtual care, you can save time, money, and get the care you need when you need it. Many virtual care options are available 24/7.
Below are some of the top conditions treated through virtual care. Mental health providers may also be available.
- Cold & Flu
- Sore Throat
- Skin Issues & Rashes
- Eye Issues
- Sports Injuries
Health Savings Account
Our Health Savings Account (HSA) bank provider is Optum Bank.
If you enroll in the HSA Qualified Medical Plan, you may be eligible to open and contribute to an HSA. With an HSA, you can save money pre-tax to pay for future medical, dental and vision expenses for yourself, your spouse and your tax dependent children.
All you do is select how much money you want deducted from your paycheck on a pre-tax basis to put into your account. You can change your election anytime. The IRS limits the contribution you can put in each calendar year.
For 2025, the IRS Maximum HSA Contributions are as follows based on how you enroll in the medical plan:
- Employee Only: $4,300
- Employee + 1: $8,550
- Family: $8,550
If you are 55+, you can make an additional $1,000 “catch-up” contribution.
For 2026, the IRS Maximum HSA Contributions are as follows based on how you enroll in the medical plan:
- Employee Only: $4,400
- Employee + 1: $8,750
- Family: $8,750
If you are 55+, you can make an additional $1,000 “catch-up” contribution.
Dental
Group Number: 10-65146
Our dental insurance is provided through Ameritas.
The plan provides up to $1,500 in annual benefit per person enrolled and covers in-network dental services as follows:
100% coverage for preventive and diagnostic services
80% coverage for basic services
50% coverage for major services
Our dental network is called Ameritas Classic PPO. Click the link below to search for a dentist in the network.
Kenosha Toyota shares in the cost of this benefit for you. Your share of the monthly premiums are as follows and will be deducted pre-tax from your paycheck:
Employee Only: $18.42
Employee + Spouse: $36.84
Employee + Child(ren): $40.94
Family: $62.36
Vision
Group Number: GA4Q2994
Our vision insurance is provided through UnitedHealthcare.
The plan provides coverage for eye exams, prescription glasses, frames, and contact lenses.
Members are given an allowance of up to $130 every 2 years for frames. Each year, you are able to get a comprehensive eye exam. Each year, you are also allowed to purchase lenses for a copay, or get a $130 allowance to use towards contact lenses. Typically, people will get a new pair of glasses (frames and lenses) one year and then get contact lenses the next year and rotate that way to maximize the plan benefits.
UnitedHealthcare offers access to a large network of providers. Click the link below to search the provider network or call 800-638-3120.
You may print an ID card online at myuhcvision.com or by clicking the link to manage your vision benefits below.
Your monthly premiums to enroll in vision are as follows and will be deducted pre-tax from your paycheck:
Employee Only: $6.86
Employee + Spouse: $13.02
Employee + Child(ren): $15.27
Family: $21.50
Life
Group Number: 04Q2994
UnitedHealthcare is our life insurance carrier.
Kenosha Toyota provides eligible employees with a flat $50,000 of basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.
The life benefit is payable to your designated beneficiary in the event of your death. AD&D benefits are payable to you in the event of an accidental dismemberment, or an additional benefit is payable to your beneficiary if your death is the result of an accident.
When you enroll in benefits, you will be required to name a beneficiary. Remember to update your beneficiary if you experience a life event, such as a marriage, divorce, or having a child.
Voluntary Short and Long Term Disability
Group Number: 04Q2994
UnitedHealthcare is our disability insurance carrier.
You are allowed to purchase Short-Term or Long-Term Disability insurance at group discounted rates. These plans help replace part of your income while you are recovering and unable to work.
Short Term Disability replaces 60% of your weekly earnings, up to a maximum of $1,500. You will need to satisfy a 7-day elimination period for both injury and illness, and the benefit is payable for up to 13 weeks. Note that some pre-existing conditions may not be covered until you've been enrolled for 12 consecutive months.
Long Term Disability continues a benefit and picks up after the short-term disability plan ends. Long Term replaces 60% of your monthly income up to $7,000 per month. You will need to satisfy a 90-day elimination period; this is the time period when you would be covered under the short-term disability benefits. These benefits can continue to age 65 if deemed appropriate. Mental illness and substance abuse conditions are limited to 24 months of benefit. Note that some pre-existing conditions may not be covered until you've been enrolled for 12 consecutive months.
NOTE: If you chose to waive this benefit when you were a new hire and wish to enroll in the plan now, your coverage will be effective upon approval of your medical underwriting application. Log onto the Ease portal to make an election and complete the Evidence of Insurability form.
UHC Value Adds
Notices
In this section you will find a collection of benefit related notices that we are required to provide.
- HIPAA Special Enrollment Rights
- Newborns' and Mothers' Health Protection Act
- Women's Health and Cancer Rights Act
- Premium Assistance Under Medicaid and Children's Health Insurance Program (CHIP)
- HIPAA Notice of Privacy Practices
- Exchange Notice
- General COBRA Notice
Questions
As you consider your benefit options, please be sure to review all available information and contact us if you have any questions.
Jackie Sanchez
Controller
Kenosha Toyota
262-857-1700
jsanchez@kenoshatoyota.com