Helping you and your family reach and maintain good health is very important to Mark Wahlberg CHEVROLET (MW Chevrolet). 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. MW Chevrolet remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees.
Please review the remainder of this page for more information regarding your 2023 benefit plan options. An educational presentation recording is also available below from our 2023 open enrollment.
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans on the 91st day of employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Dependent children eligibility is as follows:
Should your employment with Feldman end, your coverage will end as of the date of termination. If rehired within 6 months of your termination, a new hire waiting period will not apply.
NEW HIRES! Action Required: You must log into Feldman Automotive Connection and elect or waive benefits between the 1st and the 15th of the month prior to your 91st day of employment.
ENROLLMENT INSTRUCTIONS:
The only opportunity to modify your plan elections for 2023 is if you have a Qualifying Life Event. These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a Qualifying Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes in Feldman Automotive Connection within 30 days of the event (60 days if due to adding a new child from birth or adoption). You will need to provide supporting documentation to support the changes based on the Qualifying Life Event. Exception: HSA contributions can be changed at any time for any reason.
If you have questions or need to submit documentation for qualifying events, please contact Human Resources at HR@feldmanauto.com.
BCBSM Group #007047840 | BCN Group #00285431 | (866) 518.8054 | www.bcbsm.com
We offer a variety of medical plans for you to choose from, all of which include prescription drug coverage. The plan offerings available for 2023 are highlighted below. For more details you may review the plan summaries.
PPO Plan - The most flexible.
The Point of Service (POS) - Very similar to the PPO Plan
The HSA plans allow you to pair those plans with a Health Savings Account (HSA) if you meet qualifications of eligibility (more info in the HSA section).
You may view participating providers at the link below or consult with your existing providers. Helpful tips when searching providers -
(866) 346.5800 | www.healthequity.com
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
HSA IRS Maximums are as follows:
$3,850 for a single contract | $7,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
If you are only covered by an HSA plan for part of the 2023 calendar year, your maximum allowable contribution is prorated based on the date you are covered by an HSA plan.
Reminder: You can make changes to your HSA elections at any time for any reason. Please contact Human Resources to request a change to your HSA.
(844) 606-1608 | www.bcbsmonlinevisits.com
Those employees who are covered by one of the BCBSM/BCN medical plans have access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home. With BCBSM Online Visits, eligible employees and dependents have access to board certified doctors, psychiatrists and licensed therapists 24 hours a day, 7 days a week, 365 days per year.
Common Medical Services Include: Bladder Infections | Cold/Flu Symptoms | Sore Throat | Pink Eye | Rashes | Sinus Infections | Ear Infections | Stomach Issues | Bronchitis
Services for Mental Health Include: Therapy Visits: Therapists such as psychologists, licensed clinical social workers, marriage and family therapists and professional counselors use talk therapy. Therapy is available to adults and children aged 10 and older by appointment from 7 a.m. to 11 p.m. Visits typically last 45 minutes. | Psychiatry Visits: Psychiatrists can make diagnoses and prescribe and manage medications. Psychiatry is available to adults aged 18 and over and visits are by appointment only. Extended hours during evenings and on weekends may be available. The initial visit usually lasts 45 minutes with 15-minute follow-up visits
HOW MUCH DOES IT COST?
Medical Visits:
Mental Health: For both non-HSA and HSA plans, the costs of these services are Subject to your plans normal cost sharing for mental health services, often, deductible & coinsurance. The charges applicable for the type of services, which will apply towards your deductible, are as follows:
Prescription copays/cost sharing will apply if medication is prescribed.
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
Group #5383 | (800) 524-0149 | www.deltadentalmi.com
Eligible employees may pick between the Low or High plans. The High plan will provide richer benefits and offers both in and out of network benefits. If you choose to see an out of network dentist, you may experience additional out of pocket expenses as balanced billing will likely apply. The Low plan includes a structed coverage plan and only offers in-network benefits, please note that this plan includes a limited network so be sure to review in-network providers before selecting this plan. Plans cannot be changed mid-year without a qualifying event.
To find out if your provider is in-network, please visit the website below.
Group #5107 | (800) 672-7723 | www.e-nva.com
MW Chevrolet offers vision coverage through National Vision Administrators (NVA) to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Review your coverage details in your Benefit Guide.
Exams, Lenses, & Contacts are covered once every 12 months; Frames are covered once every 24 months.
?
To find out if your provider is in-network, please visit the website below.
(800) 631-3539 | www.paylocity.com
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money. Below are details of the MW Chevrolet FSA plan options -
Health Care FSA
Dependent Care FSA
800.423.2765 | www.lincolnfinancial.com
MW Chevrolet provides you with financial protection options life and disability insurance with Lincoln Financial Group (LFG).
LIFE/AD&D INSURANCE
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term 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 employee coverage, this will be in addition to your employer provided Basic Life coverage.
Newly Hired Employees (and your spouse/children) are eligible for Guarantee Issue coverage - No Medical Questions! These Guarantee Issue amounts also apply to a newly eligible spouse and/or children. If the Supplemental Life is not elected when first eligible, you will be required to submit Evidence of Insurability (EOI) should you choose to elect at a later date. Guarantee Issue amounts for new employees (and their families) and for newly eligible spouses and children are as follows: Employee $150,000 | Spouse $25,000 | Child $10,000
Future Increase Option: During the annual open enrollment you may be eligible fo increase your supplemental life insurance with no medical questions! Employees may increase their coverage by up to 2 increments, not to exceed the Guarantee Issue amount, with no Evidence of Insurability!
WHO IS 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.
DISABILITY INSURANCE
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.
Newly Hired Employees are eligible for Guarantee Issue STD & LTD coverage - No Medical Questions! If the STD or LTD benefits are not elected when first eligible, you will be required to submit Evidence of Insurability (EOI) should you choose to elect at a later date.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
800.423.2765 | www.lincolnfinancial.com
MW Chevrolet provides a competitive benefits package for all employees 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 employees. Additional benefits include:
The resources below are provided to all full-time employees at no additional cost:
As you consider your benefit options, please be sure to review all of your open enrollment information and resources available to you.
If you have additional questions or concerns, please contact Human Resources at: hr@feldmanauto.com