Benefits Overview

Penkhus Motor Company remains committed to providing a competitive, cost-effective benefit program. Please review your 2024/25 Benefits Enrollment Guide for information on all of your benefits.

2024/25 Benefits Program Updates:

Voluntary Short Term Disability and Voluntary Long Term Disability will be offered through Mutual of Omaha for the 2024/25 plan year.
An Employee Assistance Program will be provided by Mutual of Omaha.
Your H.S.A. accounts will be administered by Rocky Mountain Reserve effective August 1, 2024.

2024 Enrollment Guide

PMC 2024-25 Benefits Enrollment Guide

How to Enroll

NEW!

For the August 1, 2024 enrollment, you will be using the Flock enrollment system. Please refer to the Employee Quick Start Guide for further details about Flock and how to log in.

Only employees who want to change their elections or add or drop a dependent need to log in to Flock. Your current elections will roll over on August 1 if you do not make changes.

Action Required - for employees needing to make changes to their current elections

1) All eligible associates needing to make changes to their elections must follow the directions in the below Employee Quick Start Guide in order to:

Review your associate demographic information and update as necessary
Add dependent information
Review your basic benefit programs
Review, select or waive medical, dental, vision, voluntary life, voluntary STD and voluntary LTD benefits.
Provide your beneficiary information for the Basic Life and AD&D and Voluntary Life/AD&D Insurance

2) Log-In Information

You will receive an email from Flock asking you to create a password.
Follow the link in the email and you will be taken directly to the Flock Enrollment System, where you can watch a video with step-by-step instructions.

ELIGIBILITY

You must be a full-time employee working 30 hours or more per week
Coverage begins for enrolled eligible employees on the first of the month following 60 days of employment

ELIGIBLE DEPENDENTS

Legally married spouse
Domestic Partner
Children until they turn 26 regardless of student, marital, or employment status. This includes natural children, stepchildren, adopted (or placed for adoption), children of your domestic partner and children for whom you are legal guardian.

You will not be allowed to make a change after the open enrollment window closes, unless you experience a qualifying life event.

Health Insurance 101

Employee Quick Start Guide

Medical

Penkhus Motor Company offers a comprehensive medical plan offering with a choice between a Gold (PPO), Silver (PPO) and Bronze (HDHP) plan offering. All plans utilize Cigna's Open Access Plus (OAP) network. The Bronze and Silver plans are In-Network only plans. The Gold plan is the only plan that offers Out-of-Network benefits.

The Gold and Silver plans are copay-based plans with the key difference between the two being the deductible and out of pocket maximums. The Silver plan provides a more competitive cost on a per pay period basis, while the Gold plan costs more with less out of pocket cost when experiencing medical claims.

How do I locate Medical Providers?

Follow the medical link to the Cigna website:
Click on 'Find a Doctor, Dentist or Facility'
Click on 'Employer'
Search Provider Directory
Login/Register to MyCigna

How do I access my Medical ID Card?

Login to Cigna portal
Select 'Download an ID Card'

PPO vs HDHP

HSA

A qualified high deductible health plan with a Health Savings Account is an alternative to traditional health insurance plans. The HSA is a savings product that offers a different way for consumers to pay for their health care costs. You must be covered by a Qualified High Deductible Health Plan (QHDHP), such as PMC's Bronze plan, to be able to contribute to an HSA.

Your HSA is your money. Whatever you do not spend in a given year rolls over to the next. If you change jobs or retire, your HSA balance goes with you.

Rocky Mountain Reserve (RMR) will be your new HSA vendor for the 2024/25 plan year. You may continue to use your Benefit Wallet account, but your employer will only be setting up new HSA accounts through RMR. If you choose to maintain your HSA account through Benefit Wallet and not roll over to RMR, please be advised that there could be a fee associated with the account.

To Create Your Online HSA Account

Go to https://rockymountainreserve.com
Click on "Login/Register" in the top right-hand corner
Click on "Employee Registration"
Username will be the name you use to log in for the web portal and mobile application.
The password must contain at least 3 of these: special character, number, upper or lower case letter
For Employee ID Use SS# or other assigned Employee ID.
For Registration ID select “Card Number” which is your Benefits MasterCard. If you do not have a card, your Employer will give you an Employer ID.

HSA

Dental

Penkhus Motor Company offers two Dental plan options through Delta Dental. The Patient Direct plan is offered at no cost to employees enrolling for single only coverage with an additional cost to employees to enroll dependents. The PPO plan is a buy up option with more comprehensive coverage.

How do I locate Dental Providers?

Follow the dental link to the Dental website:
Login to Dental portal
Search Provider Directory

How do I access my Dental ID Card?

Login to Dental portal
Select 'Download an ID Card'

Dental Insurance

Delta Dental Resources

Delta Dental Mobile App

Delta Dental Website & Portal Guide

Delta Dental PPO Benefit Summary

Delta Dental Patient Direct Summary

Vision

Your Vision plan is offered through Cigna with the provider network being Vision Service Plan (VSP). Click below to locate a vision provider.

How do I locate Vision Providers?

Follow the vision link to the Cigna website:
Login to Cigna portal
Search Provider Directory

How do I access my Vision ID Card?

Login to Cigna portal
Select 'Download an ID Card'

Vision Insurance

Life & Disability

Life/AD&D Insurance

Penkhus Motor Company believes in offering our employees the opportunity to provide for their family's future rather than leaving it to chance. Life insurance can provide your dependents with a lifetime of financial security and upon your death, can be used to pay off your debts - such as credit cards and your mortgage - or other expenses that could burden your family.

That's why Penkhus Motor Company provides Life and Accidental Death & Dismemberment (AD&D) insurance to full-time employees at no cost to you.

As an employee, you can purchase additional Life and AD&D for yourself, spouse, and dependents.

Disability Insurance

Becoming disabled is often and unexpected and a burdensome experience, and it can happen to anyone. Disability insurance can help protect your income in the event of a disability by providing you a benefit for injuries and sickness which are not work related.

Supplemental Health

Supplemental benefits help offset the unexpected medical expenses, such as emergency room fees, deductible and copayments. Penkhus Motor Company employees can purchase supplemental Accident, Cancer, Critical Illness, or Hospital Indemnity Coverage for themselves and their dependents through Aflac.

Contact Human Resources for more information or view the plan details in Flock

Aflac QR Code 2024

Critical Illness

Hospital Indemnity

Accident Insurance

EAP

Full-Time benefit eligible employees and their households have access to a comprehensive Employee Assistance Program through Mutual of Omaha.

To access the EAP program, please call 1-800-316-2796 or use the link mutualofomaha.com/eap.

Employee Assistance Program

Wellbeing Newsletter

Quick Links

Welcome to our Well-being Newsletter! Dive into a world of holistic health tips, mindfulness practices, and expert advice designed to nourish your body, mind, and soul. From nutrition insights to stress management techniques, we're here to empower you on your journey toward optimal well-being.

Penkhus Motor Company

Table of Content

Welcome

Benefits Overview

2024 Enrollment Guide