Table of Content
- Header
-
Page
- Welcome!
- Eligibility
- How To Enroll
- Medical Benefits
- PPO $5,000 MedFlex Network:
- Medical Mutual App
- MedMutual Discount Info
- RX Benefits
- Health Savings Account
- Guardian EAP
- Dental Benefits
- Vision Benefits
- Basic Life
- Accident and Critical Illness
- Additional Resources
- Contact Us
- Footer
Welcome!
Welcome To Open Enrollment
Helping you and your family reach and maintain good health is very important to Jay Auto Group. Jay Auto is pleased to offer a selection of benefits designed with your health and financial well-being 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.
Eligibility
Employee Eligibility
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.
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.
Common life events include Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents.
How To Enroll
1. You will receive an email with a link to Ease. Click the blue “log in” button with the email message to be directed to the enrollment portal.
2 Enter your User ID and password
3. If you do not remember your User ID and Password please contact Traci Swain with NFP at traci.swain@nfp.com.
4. Follow instructions and enroll in your benefits
5 Make sure to sign your forms, save your elections and print your confirmation statement.
If you need help or have any questions, please reach out to Traci Swain at NFP
traci.swain@nfp.com
Click the ease square below!
Medical Benefits
Jay Auto Group offers 3 medical plans through Medical Mutual.
With 3 plan options from Medical Mutual there is something for everyone.
Medical: Provided through Medical Mutual - 3 Plans
Plan 1 - $3,000 H.S.A.
Single Deductible $3,000
Family Deductible $6,000
Plan 2 - $4,000 PPO
Single Deductible $4,000
Family Deductible $8,000
Plan 3 - $5,000 MedFlex PPO
Single Deductible $5,000
Family Deductible $10,000
For More plan details please look at the employee benefit guide
The PPO $5,000 plan provides In-Network benefits only and has a narrower network. To take advantage of the plan benefits you must utilize providers that are in Medical Mutual's MedFlex Network. The MedFlex network does not include the Cleveland Clinic, as well, if you are choosing this network, it is highly recommended that you confirm that your provider is in this network. Again, this is a plan that only offers coverage in-network. If you seek care from a provider that is not In-Network, you will be responsible for the cost.
One distinction to the above in-network benefits, is if you are seeking service outside of the MedFlex network while traveling. In this situation, Medical Mutual will cover out-of-network convenience clinic and urgent care visits as in-network.
The below tab will link you to the Medical Mutual site where you can look up whether your provider is covered in the MedFlex network. If you have any questions, please don't hesitate to reach out to the customer service number on the back of your Member ID card.
Medical Mutual App
Determine Costs
With our My Care Compare feature, you can view cost estimates before you go to the doctor.
Find a Provider
Use your device’s GPS to find the nearest doctor, hospital or urgent care facility covered by your plan. Then, get directions from your current location. You can now also view quality and patient ratings for providers.
Access Your ID Card
You always have your ID card with you with our app. View the front and back of your card and call any of the phone numbers listed with just a tap. You can also email and fax your card to your provider
MedMutual Discount Info
WW® (formerly Weight Watchers)
Living a healthier lifestyle can reduce your risk of chronic disease, help you gain energy and improve your quality of life. Whether you want to eat healthier, increase movement, lose weight or develop a positive mindset, Medical Mutual can help. We’ve teamed up with WW® to help you get on the right path to better health.
As a Medical Mutual member, you’ll save almost 50% off WW® programs when you start or renew your WW® membership.
QuitLine Tobacco Cessation Program
Kick the habit with Medical Mutual’s QuitLine, a free tobacco cessation program that’s designed to help you quit all forms of tobacco.
You'll receive a variety of helpful resources to help you succeed:
- A personalized plan for quitting that’s designed around your goals
- Support and advice including up to five phone sessions with a trained Quit Coach®
- A Quit Guide with helpful tips to help you quit
- A free supply of nicotine replacement therapy (NRT)
Fitness Discounts
Joining a fitness center is easy and affordable with GlobalFit®. Medical Mutual members save money on enrollment and membership fees. The GlobalFit network includes thousands of fitness centers, including regional chains and local favorites.
RX Benefits
Where Can I find A Drug List?
Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.
You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.
Health Savings Account
A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
UNDERSTANDING YOUR HSA
–Pre-tax contributions are deducted through payroll and deposited into your HSA account;
–You can use your HSA available funds to pay for qualified medical expenses tax-free;
–HSA funds can be used for non-eligible expenses, but will be subject to regular income taxes and a 20% excise tax penalty.
–Unused funds remain in your account for future use and roll over each calendar year;
–HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds; and
–You can change your HSA contribution at any time during the plan year for any reason.
Guardian EAP
Dental Benefits
Jay Auto Group offers a dental plan that is perfect for you and your family!
Vision Benefits
Jay Auto Group offers 1 vision plan with Guardian using the VSP network.
Your vision benefit through Guardian is described below. Please refer to www.guardiananytime.com for a list of vision providers. Guardian utilizes the VSP network which includes retail providers such as LensCrafters, Pearle Vision, Sears, Target and JCPenney in addition to many independent optometrists and vision providers.
Plan Offers
-Exams every calendar year
-Low-cost copays
-Contact, Lenses, Frames, and more
See the full plan details in the employee benefit guide or contact HR
Basic Life
BASIC LIFE INSURANCE
Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. AD&D insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.
Company Paid Benefit - Provided to you at no
Coverage Amount
Flat $25,000 Benefit
Accidental Death and Dismemberment (AD&D)
Amount equal to your Life benefit
Benefit Reduction Schedule
Your insurance will reduce to:
–60% of the original amount at age 70
–75% of the original amount at age 75
ADDITIONAL PLAN PROVISIONS
Portability
If your employment ends or you retire,
you may be eligible to continue your
term insurance at group rates.
Conversion
When coverage ends under the plan, you can convert to an individual permanent life policy without evidence of insurability.
Accident and Critical Illness
Accident Insurance
A serious injury can cost you a lot of money – not only in medical bills but in things like income from lost work hours. Some injuries are minor, but others are debilitating and require significant medical care. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs.
What’s Covered?
-Emergency Room Visits
-Ambulance Transportation
-Emergency Helicopter Transportation
-Hospital Admissions & Per Diem Charges
-Intensive Care &Rehabilitation Unit Care
-Diagnostic Exams
-Follow-up Treatments
-Physical Therapy
Critical Illness Insurance
How would you pay your bills if you were suddenly diagnosed with cancer and couldn’t work? Critical illness insurance doesn't’ pay your medical bills. It pays you if you’re diagnosed with a covered illness. The benefit is paid directly to you and is your choice how to spend it.
What’s Covered?
COVERAGE OPTIONS
Choose either $5,000 or $10,000 of coverage
Benefit Reduction Schedule
Your insurance will reduce on the policy anniversary following your birthdate:
50% of the original amount at age 70
Additional Resources
Contact Us
Account Team Contacts
Joel Richman
Producer / Sales Consultant
joel.richman@nfp.com
216-225-9885
Kevin Lurie
Producer / Sales Consultant
kevin.lurie@nfp.com
216-410-6751