WELCOME

Helping you and your family reach and maintain good health is very important to Simms Chevrolet. Simms Chevrolet is 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.


Simms 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.

ENROLLMENT

All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Simms Chevrolet. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Children eligibility is as follows:


Medical & Vision: End of the year in which they turn age 26

Dental: 26th birthday


The benefit choices you make during your 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.

MEDICAL/RX

HAP Medical/Rx


HAP will continue to be the medical and prescription carrier this year. The plans that will be offered effective January 1, 2023 are as follows:



PPO $3500 SBS

PPO $3500 SBS

PPO $1200 SBC

PPO $1200 SBC

HMO HSA $2700

HMO HSA $2700

HDHP+HSA

HDHP+HSA

Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

VIRTUAL VISITS

HAP Amwell


Simms provides those employees who are covered by one of the HAP medical plans access to virtual visits with Amwell. Amwell provide members the opportunity to receive medical and mental health care from the comfort of your own home. With Amwell, 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.


Consultation appointments with a doctor are at no charge to you. You can visit the weblink above or download the Amwell App from the App Store, Google Play, or Windows Store.

Virtual Visits

Virtual Visits

HSA

(Health Savings Account)

UMB Bank


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:

  • Covered by a Qualified High Deductible Health Plan
  • You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
  • You cannot be covered by Medicare or Medicaid
  • You cannot be eligible to be claimed as a tax dependent
  • You have not received VA benefits in the past 90 days


2023 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+

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

DENTAL

MMA/MetLife


Eligible employees can choose to enroll in the dental plan with MetLife. To find out if your provider is in-network, please visit the website below.






Dental Insurance Overview Video

Dental Insurance Overview Video

VISION

MetLife


Eligible employees can choose to enroll in the vision plan with MetLife To find out if your provider is in-network, please visit the website below.




Vision Insurance Overview

Vision Insurance Overview

CARRIER CONTACTS

HAP - Medical/Rx | (800) 422.4641 | www.hap.org

UBM Bank - HSA | (866) 520.4472 | www.hsa.umb.com

MetLife - Dental | (800) 942-0854 | www.metlife.com

MetLife - Vision | (855) 638.3931 | www.metlife.com