Associate Benefits 2024- 2025
Contents Note From Bean Automotive Eligibility And Enrollment Bi-Weekly Associate Payroll Contributions
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WELCOME TO ANNUAL ENROLLMENT! Bean Automotive appreciates your commitment to our success. We’re equally committed to providing you with competitive, affordable health and wellness benefits to help you take care of yourself and your family. Please read this guide carefully. It has a summary of your plan options and helpful tips for getting the most value from your benefits plans. We understand that you may have questions about annual enrollment, and we’ll do our best to help you understand your options and guide you through the process. This guide is not your only resource, of course. Any time you have questions about benefits or the enrollment process, you can contact your Human Resources representative. Although this guide contains an overview of benefits, for complete information about the plans available to you, please see the summary plan description (SPD).
Medical
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How To Be A Smart Consumer
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Medical Gap
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Wellness
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Prescription Drugs
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Supplemental Health Benefits
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Dental Vision
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18
Life And Disability Insurance
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Additional Benefits Glossary Of Terms
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Contacts
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Bean Automotive • 2024-2025 Benefits Guide
NOTE FROM BEAN AUTOMOTIVE
To be the leading automotive group within our industry, serving our customers, associates and communities. Bean Automotive recognizes that benefits are an important part of your total compensation package. Our benefits program provides competitive and valuable benefits for you and your eligible dependents. This guide will serve as a valuable resource to help you better understand the range of benefits and resources available to you. We understand the importance of fostering a supportive environment that promotes both physical and mental health. We believe that investing in your well- being not only enhances your individual quality of life but also contributes to the overall success of our company. As you may be aware, our medical plan is self-funded, meaning that the company assumes the financial risk for providing medical benefits to our associates. This unique approach allows us to have greater control over the design and administration of our benefits. It’s crucial to emphasize that the decisions we make regarding our medical plan directly impacts the costs for the upcoming plan year. Every medical claim filed and every healthcare service utilized affects the overall expenses of the plan. Therefore, it’s essential for each of us to be mindful of how we utilize our medical benefits and make informed decisions about our health and wellness. Navigating healthcare can be complex, and we are here to support you every step of the way. If you have any questions or need assistance with your benefits, please don’t hesitate to reach out to our HR team.
Together, we can work towards a healthier and more sustainable future for our company and our associates!
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ELIGIBILITY AND ENROLLMENT
Who is Eligible? Benefits are available to all full-time associates working a minimum of 30 hours per week and their dependents. For those enrolling during Open Enrollment, your benefits will become effective on May 1, 2024. For new hires, your benefits will become effective the first of the month following 60 days after date of hire.
Making Changes You may only make changes to your elections during open enrollment each year or during the year if you experience a qualifying event. Qualifying events include, but are not limited to: z Birth, legal adoption, or placement for adoption. z Marital status. z Dependent child reaches age 26. z Spouse gains or loses employment or
Eligible dependents include:
Your legal spouse or domestic partner
eligibility with current employer. z Death of a covered dependent.
z Spouse or dependent becomes eligible or ineligible for Medicare/Medicaid or SCHIP. z Change in residence that changes eligibility for coverage. z Court-ordered change. Changes to your coverage due to a qualifying life event must be made within 30 days of that life event. Proof of the qualifying life event is required (marriage certificate, divorce decree, birth certificate, or loss of coverage letter).
Your children from birth to age 26*
(Including your natural/legally adopted/stepchildren, and/or your unmarried dependent children of any age who are mentally or physically disabled and who are dependent on you for support) *There is considerable variation among state laws in terms of eligibility requirements. At least 30 states have extended dependent coverage, regardless of student status. Most states require that a young adult be unmarried and financially dependent on their parents in order to qualify for extended dependent coverage. Please contact your Human Resources Department for your state law requirements. How to Enroll To sign up for benefits, visit paycomonline.net/ v4/ee/web.php/app/login before the end of your enrollment period.
Note: Any change you make to your coverage must be consistent with the change in status.
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Bean Automotive • 2024-2025 Benefits Guide
BI-WEEKLY ASSOCIATE PAYROLL CONTRIBUTIONS
Medical & Prescription Drug
Core Plan
Buy-Up Plan
Qualified Wellness Non-Qualified Qualified Wellness Non-Qualified
Associate
$39.97
$149.52
$54.51
$169.22
Associate + spouse
$310.60
$420.15
$355.05
$469.76
Associate + child(ren)
$259.46
$369.01
$278.55
$393.25
Family
$554.89
$664.44
$626.35
$741.06
Medical GAP
APL
Associate
$12.52
Associate + spouse
$25.04
Associate + child(ren)
$25.54
Family
$38.06
Dental
Delta Dental
DHMO
DPPO
Associate
$5.04
$16.43
Associate + spouse
$8.28
$30.56
Associate + child(ren)
$11.02
$40.48
Family
$14.21
$50.14
Vision
Sun Life
Associate
$2.84
Associate + spouse
$5.11
Associate + child(ren)
$7.93
Family
$8.83
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To find a network provider: Go to cigna.com z Find a doctor, dentist or facility z When asked how member is covered, select “Employer or School” z You can search by type of doctor, name of provider or address z If asked name of plan, select PPO If you need assistance, please call J.P. Farley at 800.634.0173 or visit jpfarley.com/find-a-provider.php and choose Cigna PPO .
MEDICAL J.P. FARLEY ADMINISTRATOR -
USING THE CIGNA PPO NETWORK Your medical benefits are administered by J.P. Farley offered through Cigna’s network, providing coverage for both in-network and out-of-network. You will always have stronger benefits when visiting in-network providers. Your prescription drug coverage is provided through SmithRx. Please note that you will receive one ID card to use for both medical services and prescription drugs.
Starting April 1, 2024, J.P. Farley will administer your current medical benefits. You will receive an ID card packet which includes a transition flyer. This flyer will provide instructions for healthcare providers on how to submit claims from April 1 until April 30, 2024. Effective May 1, 2024, J.P. Farley will commence administering your new medical benefits. From this date onwards, all claims can be submitted to your plan for processing in accordance with the directions provided on the new ID card.
Medical Plans effective 05/01/2024
Core Plan
Buy-Up Plan
In-Network Preventive Care
Covered 100% Covered 100%
Covered 100% Covered 100%
Telehealth (Teladoc)
Primary Physician Office Visit
$30 copay $50 copay
$25 copay $50 copay
Specialist Office Visit
Diagnostic Test (X-Ray, Blood Work)
Independent Lab/Facility: $25 copay Independent Lab/Facility: $25 copay
Independent Facility: $200 copay per scan
Independent Facility: $200 copay per scan
Advanced Imaging (MRI, CAT)
Outpatient Surgery
Ambulatory Surgery Center: $150 copay Ambulatory Surgery Center: $150 copay
Urgent Care
$50 copay
$75 copay
$300 copay + 20% coinsurance (deductible waived)
Emergency Room
Deductible + 20% coinsurance
Prescription Drugs - Retail (30-day supply) Generic/Brand Preferred/Brand Non- Preferred/Specialty* Prescription Drugs - Mail Order (90-day supply) Generic/Brand Preferred/Brand Non-Preferred
$10/$40/$70
$10/$40/$70
$20/$80/$140 $20/$80/$140 Services not listed with a copay (such as outpatient surgery or a hospitalization) are subject to deductible, then coinsurance until the out-of-pocket maximum is satisfied. Plan Year Deductible (Individual/Family) $5,000/$10,000 $3,000/$6,000 Coinsurance (Member Pays) 20% 20% Out-of-Pocket Maximum (Individual/Family) $10,000/$20,000 $6,750/$13,500 Out-of-Network Plan Year Deductible (Individual/Family) N/A $9,000/$18,000 Coinsurance (Member Pays) N/A 40% Out-of-Pocket Maximum (Individual/Family) N/A $18,000/$36,000
This is a summary of coverage; please refer to your summary plan description for the full scope of coverage. *Specialty medications are not covered by this plan. They are provided under a separate plan through SmithRx.
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Bean Automotive • 2024-2025 Benefits Guide
HOW TO BE A SMART CONSUMER
Patient Advocacy
J.P. Farley’s Patient Advocates provide members with personalized assistance to help make sure your family receives the appropriate, quality-based health care by utilizing your benefits effectively. Patient Advocates can assist members by helping shop for health care based on your plan design, compare facilities, save money, and get the best quality for your medical services. Did you know that in-network prices for the same procedure can vary by over 500% depending on the facility you choose? The quality of healthcare services can also greatly differ from provider to provider making it even more important to be fully engaged in your healthcare decisions. J.P. Farley’s Patient Advocates can help locate high quality health care providers empowering you and your family to make better care decisions and frequently save you money in the process. J.P. Farley’s web-based cost comparison tools provides added 24/7 access to locate lower cost and in-network providers to help save money on hundreds of common medical services and procedures by showing you the cost ranges in your area.
z Patient Advocates: 800.634.0173 | benefits@jpfarley.com Online Cost Tool: jpfarley.deerhold.com
Online Access
The J.P. Farley mobile-enabled website provides members access to your healthcare information and gives you easily accessible tools to manage your claims, help estimate costs, find providers, access ID Cards, and more--anytime and anywhere. It’s built to be your go-to health plan resource when you’re on the go. z Registration: Visit jpfarley.com and click “login” to access the web portal. Members (18 years or older) will receive a registration code by mail following their effective date. Members should follow the instructions to gain access to the web portal and mobile app. z App: Members may follow the onscreen prompts to download the progressive web app directly from jpfarley.com’s login screen.
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Patient Empowerment
Case Management
Your healthcare plan offers a benefit called Case Management, which can assist you in times of serious illness or injury when you or a family member require complex care. Case Managers are Registered Nurses that can help you by providing educational materials about your condition, guiding you through all areas of the healthcare system and answering questions about your care and treatment plan. Case Managers empower you with knowledge, help you to understand what you can do for yourself or a loved one to aid in recovery and to maintain optimal management of a disease or a condition by: z Answering questions z Provide educational materials about specific conditions z Lend a hand finding appropriate treatment z Locate community resources that are willing to help for free z Work to maximize your benefits under the healthcare plan z Serve as your advocate between you and doctors and hospitals z Coordinate necessary care and services to meet your needs *J.P. Farley partners with MedWatch for this service.
Through J.P. Farley, you have access to educational and plan-based resources.
z Start your journey to better health and wellness by utilizing the wellness benefits offered by through your health plan. z Call a Patient Advocate to obtain plan-based incentives, decision- making support, as well as cost and quality data. z Contact an Advocate regarding billing questions and to receive balance billing assistance.
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Bean Automotive • 2024-2025 Benefits Guide
Disease Management Program
Utilization Management
Utilization Management is provided through your Cigna PPO as part of your health plan. Additionally, J.P. Farley’s Patient Advocates are available to engage with members to utilize plan benefits effectively. Members should call to discuss quality-based options with a Patient Advocate. z Lowers cost by identifying services/ procedures that are not medically necessary, cosmetic, experimental or investigational z Precertification is designed to procedures triggers referrals into Case Management and Disease Management in real time to curtail overall costs z Ensures members receive the right care at the right place
Your health plan includes J.P. Farley’s team of MedWatch nurses—who are available to assist you in managing your health! The team can help you make informed decisions, guide and motivate you to control your symptoms, manage chronic diseases, provide case management and improve your health. This program is included in your benefits -there’s no additional cost to participate. J.P. Farley’s MedWatch team will work closely with you, your family, and your doctor to help you manage your health, assist with medical decision-making based on clinical guidelines. Contact one of the clinicians today at 800.634.0173 to get started!
*J.P. Farley partners with MedWatch for this service.
Telemedicine
J.P. Farley provides access to telemedicine through Teladoc.
The program lets you get the care you need — including most prescriptions — for a wide range of minor acute conditions. Now you have access to these board-certified doctors via secure video chat or phone, without leaving your home or office. When, where and how it works best for you.
teladoc.com 800.835.2362
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MEDICAL GAP AMERICAN PUBLIC LIFE (APL)
secured.ampublic.com 800.256.8606, option 2
The Supplemental Medical Gap plan is designed to help cover your out-of-pocket expenses, such as deductibles, copayments, and coinsurance associated with inpatient and outpatient services of the underlying major medical plan. Be sure to provide your APL ID card along with your J.P. Farley ID card when seeking services from your medical provider so they may file your claim . If your medical provider is unable to accept the assignment of benefits, you may file a claim directly with APL.
If benefits are to be paid to provider, the provider should file the claim to receive benefits. If benefits are to be paid to you, APL will need: z MEDlink claim form (Form C101) from ampublic.com z The Explanation of Benefits (EOB) from J.P. Farley z A uniform itemized hospital bill (Form UB-04) for inpatient and outpatient hospital claims z The physician’s itemized statement of services rendered when filing for treatment in a physician’s office (Form CMS-1500)
Services
Coverage Maximum
Benefits Covered
z Treatment while confined in a hospital
$1,000 per covered person per calendar year $2,000 per calendar year for all covered persons combined
z
z Inpatient treatment of a mental or emotional disorder (max 30 days) z Ambulance service when resulting in hospital confinement z Treatment in emergency room, urgent care, physical therapy facility, surgery, and diagnostic testing z Outpatient treatment of a mental or emotional disorder (max 30 days)
In-Hospital
z
$1,000 per covered person per calendar year $2,000 per calendar year for all covered persons combined
z
Outpatient
z
Ambulance service
z
Emergency Room Deductible
$200 per covered person per occurrence
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Bean Automotive • 2024-2025 Benefits Guide
WELLNESS TUNE UP YOUR HEALTH
We are excited to announce changes to our wellness program for the 2025-2026 plan year. As part of our ongoing commitment to associates health and well-being, we implemented new initiatives to now include spouses to participate in our wellness program. In order to encourage positive lifestyle choices that result in good health and wellbeing, Bean Automotive will offer associates and their spouses an opportunity to earn a discounted bi-weekly payroll deduction if they elect our health insurance coverage. If you elected spouse or family coverage, both you and your spouse must meet the qualifications individually in order to receive the health insurance premium incentive. Associates and spouse must complete the following voluntary activities by the March 31st deadline each year: z Requirement 1: Participate in the on-site biometric screening z Requirement 2: Obtain your annual preventive physical exam with your provider z Requirement 3: Obtain a minimum of one (1) preventive screening with your provider If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means. Contact your Human Resources at hr@beanauto.com, and we will work with you and, if you wish, with your doctor. If you are unable to participate in any of the program events, activities or goals because of a disability, you may be entitled to a reasonable accommodation for participation, or an alternative standard for rewards. For worksite accommodations please contact Human Resources at hr@beanauto.com.
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The member portal should be the first stop for all SmithRx plan members. To register or log in, visit member.mysmithrx.com
PRESCRIPTION DRUGS SMITHRX
SmithRx is your Pharmacy Benefits Management (PBM). PBMs coordinates the interaction between your employer, physician, and pharmacy. You’re automatically covered when you enroll in your health plan. Provide your medical ID card to your pharmacy and ask them to update your insurance profile. The pharmacy will need the BIN, PCN, Member ID, and RxGroup number to process any covered prescription(s).
z Making sure you pay the correct copay at the pharmacy. z Setting up your medications to be covered according to your plan design. z Managing clinical requirements related to your prescriptions.
Important Information about Prior Authorization If your physician prescribes a medication requiring a prior authorization, you will need to go through an additional authorization process. The SmithRx Clinical Team reviews requests for these selected medications to help ensure appropriate and safe use of medications for your medical condition(s). To see if your medication(s) require prior authorization, please contact SmithRx Member Support at 844.454.5201.
Specialty Medications Prescribed specialty medications covered by your plan benefits can be secured through the following specialty pharmacies:
Please have your prescriber send your specialty prescription to either Kroger Specialty Pharmacy or SenderraRx. To utilize the specialty pharmacy, simply call either of the pharmacies above to enroll. Many specialty medications require prior authorization, so please call SmithRx Member Support to check coverage and start any necessary authorization processes.
Kroger Specialty Pharmacy 888.355.4191
SenderraRx 888.777.5547
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Bean Automotive • 2024-2025 Benefits Guide
Home Delivery from Amazon Pharmacy Home Delivery SmithRx partners with Amazon Pharmacy as a home delivery option for your medications. With this partnership, your medication arrives right at your doorstep in secure, discreet packaging. You’re kept in the loop with status updates throughout the delivery process, ensuring end-to- end order tracking. Amazon Prime members get free 2-day delivery, or 5-day delivery without Amazon Prime. Sign-up for Amazon Pharmacy by following these instructions: z Visit www.amazon.com/smithrx and click on “Get Started”. If you are already an Amazon customer, then follow the simple sign-up process. If you’re not yet an Amazon customer you’ll need to sign-up, validate yourself and then follow the instructions. z Verify and/or add your insurance: you may find an additional 2-digits to your prepopulated member ID. It is important to verify your full member ID on your card against the insurance profile. Reminder: please have your insurance member ID card ready to double check all of your information. z Once you are signed-up and your medication(s) are processed, you will receive a notification from Amazon Pharmacy that your medications are ready to order and you will need to go back to your account to check out.
Registering with SmithRx You can create an account on the SmithRx Member Portal at member.mysmithrx.com to view important pharmacy benefits information like your prescription claims, plan details, formulary, and helpful resources. Use the Find My Meds tool to search for the lowest-cost prescription drugs at nearby pharmacies. Pharmacy Network There are over 83,000 pharmacies in network including retail pharmacies like CVS, Walgreens, RiteAid, Walmart, Costco, and more. Mail order pharmacies like Amazon Pharmacy and Walmart Mail Order, and specialty pharmacies like Senderra and Kroger. For specific pharmacy questions or to check whether your local pharmacy is in-network, please contact the SmithRx Member Services team at 844.454.5201.
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SmithRx’s Connect 360 Programs – Low Cost Prescription Solutions ASSIST PROGRAM The Assist Program compares cost savings opportunities on your generic drug prescriptions. Any brand drugs simply process using your standard prescription benefit with no interruption. Your member ID has all the information that your pharmacy needs to fill your medications. When the pharmacy submits your claim, the decision engine finds the lowest cost option for you and that’s what you pay at the counter.
ACCESS PROGRAM
The Access Program helps the pharmacy apply copay coupons to medications that help reduce the cost of prescriptions for both you and your employer. Your medications will not exceed your copay. In fact, you will often pay less. Depending on your medication, you may pay nothing at all.If you are taking medications that qualify for the Copay Maximization Program, you will receive communication from the SmithRx support specialists via phone or email. It is important that you engage with them and provide them the information they request.
ACCESS PLUS PROGRAM
Many high-cost specialty medications can be accessed through advocacy foundations and grant programs when a medication is not covered under the pharmacy benefit. SmithRx assists in navigating the patient assistance landscape to obtain medication coverage. If you quality, you will be able to receive your medication at no cost to you or your employer. If approved, the medication will be shipped to you free of charge. If denied but your medication is covered on the formulary, you can continue to get your medication through the pharmacy benefit as usual.
What steps do I need to take if my medication qualifies for the Patient Assistance Program?
1. You will be contacted by the support specialist to begin the enrollment process. 2. You will need to electronically sign an authorization form that allows the specialist to act on your behalf for the sole purpose of applying for these grant programs. 3. Some applications may require additional documentation (i.e., tax return, medical expense summary). You will be asked to submit this documentation to SmithRx via secure encrypted email. 4. Some applications may require SmithRx to work with your doctor. If that is the case, SmithRx may ask you to contact your doctor to request that they submit the required forms. 5. It’s important that you work with us throughout this process to ensure timely approval of your application and prevent any delays in your medical treatment.
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Bean Automotive • 2024-2025 Benefits Guide
MARK CUBAN COST PLUS DRUG (MCCP)
SmithRx has partnered with Mark Cuban Cost Plus Drug (MCCP) to provide savings on select high- cost generic and brand medications through mail order. This allows you to have your medications delivered to your doorstep, either at the cost of your mail order or specialty copay. In certain cases, through our Connect 360 programs, you may even receive the medication at no cost. MCCP partners with Truepill and HealthDyne for fulfillment, both of which have licensed pharmacists available 24/7 for consultations or questions about your medication. After confirming that your medication can be filled at MCCP, have your provider send the prescription to Mark Cuban Cost Plus Drug Company. In many cases, SmithRx will work with your provider to facilitate the prescription transition process. Once the script is received, you will receive an email within 24 hours confirming its receipt. You can then visit costplusdrugs.com to create an account and order your medication. Your insurance will cover standard shipping. You will be responsible for the cost if it needs to be expedited. Once ordered, the medication will be shipped to your home.
LOW COST INSULIN PROGRAM
The SmithRx Connect 360 Diabetes Low Cost Insulin Program helps lower the cost of your insulin at the pharmacy. By switching to generic and biosimilar insulin products, this helps reduce your copay. Your insulin can be filled at any pharmacy within the SmithRx network.
INTERNATIONAL SOURCING
SmithRx offers the option to connect the members with an independent, third party international sourcing company that can help members obtain select prescription drugs at a lower cost, by mail, from international pharmacies.
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SUPPLEMENTAL HEALTH BENEFITS THE HARTFORD
Our medical plans provide great coverage for you and your family’s healthcare needs. Still, everyone’s needs are slightly different. That’s where supplemental health options come in! These benefits are designed to protect your family’s finances in case of an unforeseen injury or illness. Please visit thehartford.com/employee-benefits/employees for additional details. Accident Insurance Accident Insurance pay cash benefits directly to you to help pick up some of the costs remaining after your health insurance plan kicks in following a covered accident. FEATURES: z Some covered examples include ground ambulance, emergency room, accident follow- ups and physical therapy appointments z Use your cash for the expenses you choose such as deductibles, copays, mortgage payment, groceries and other bills you may have z Benefits are paid regardless of any other insurance you may have with other insurance companies z Your coverage is portable; you can take it with you if you change jobs or retire z This plan includes a health screening benefit of $50 per covered person per year if you complete an eligible health screening Critical Illness Insurance Critical Illness Insurance helps protect your income and personal assets when out-of-pocket expenses increase as a result of a specified illness. This plan covers conditions like: heart attack, stroke, end stage renal failure, invasive cancer, and more. FEATURES:
z Pays a lump-sum cash benefit upon diagnosis of a covered illness that can be used however you choose z Associates can choose coverage in amounts of $5,000 to $30,000 in increments of $5,000
z Coverage is available for your dependents; up to 100% of your elected amount for spouse or partner and up to 50% of your amount per child z This plan includes a health screening benefit of $50 per covered person per year if you complete an eligible health screening
Hospital Indemnity Insurance The thing about a hospital stay is you don’t expect it – but you can plan for it. Hospital Indemnity Insurance helps protect you and your family from the financial crunch of a hospital stay.
FEATURES: z First day hospital confinement benefit: $1,000 up to 3 days per year z Daily hospital confinement benefit: $200 up to 30 days per year
z Daily ICU confinement benefit: $400 up to 10 days per year
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Bean Automotive • 2024-2025 Benefits Guide
DENTAL DELTA DENTAL
To find a network provider, call Delta Dental at 800.521.2651 (DPPO) or 800.422.4234 (DHMO) or visit deltadentalins.com. Select “Delta Dental PPO” or “Delta Dental Premier” for the DPPO and select “DeltaCare USA” for the DHMO.
Although you can choose any dental provider, when you use an in-network dentist, you will generally pay less. If you choose an out-of-network provider, you may be billed the difference between what Delta Dental pays, and what your out-of-network provider charges for the services.
Delta Dental DPPO
Network: Delta Dental PPO/Premier Annual Deductible (Individual/Family)
In-Network
Out-of-Network
$50/$150
$50/$150
Annual Maximum (per person)
$5,000
$2,500
Diagnostic and Preventive Care Includes oral exams, cleanings, fluoride treatments, sealants and x-rays
100%
100%
Basic Services Includes fillings, simple extractions and general anesthesia
80% after ded
70% after ded
Major Services Includes crowns, bridges, dentures, oral surgery, endodontics, periodontics and implants
50% after ded
40% after ded
Orthodontia (Children and Adults) Orthodontia Lifetime Maximum
50%
50%
$1,000
$1,000
Delta Dental DHMO
Network: DeltaCare USA
In-Network Only
Office Visit
$0-$35
Preventive and Diagnostic Dentistry Includes x-rays, cleanings, and sealants Restorative Dentistry Includes fillings. inlays, onlays and crowns Endodontics Includes anterior and molar root canals
$0-$70
$0-$380
$0-$380
Periodontics Includes osseous surgery, scaling and root planning
$0-$345
Oral Surgery Includes simple and surgical extractions
$0-$130
Orthodontia Children and Adults
$1,150-$2,100
The member is ultimately responsible for verifications of the accuracy and appropriateness of all fees applicable to any dental benefit provided by a network provider. We urge members to verify all fees for proposed treatment via Schedule of Benefits and/or with the Member Services Department prior to treatment.
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VISION SUN LIFE - VSP NETWORK
To find a network provider, call VSP at 800.877.7195 or visit vsp.com.
Our vision care benefits include coverage for eye exams, lenses and frames, contact lenses, and discounts for laser
surgery. The vision plan is built around the VSP providers, who have higher benefits at a lower cost to you. When you need services, consider using an in-network provider for the most bang for your buck! When you use an out-of-network provider, you will be reimbursed for services according to the grid below.
Sun Life Vision
Network: VSP
In-Network
Out-of-Network Reimbursement
Examination
$5
$45
Lenses Single
$10
$30
Bifocal
$10
$50
Trifocal
$10
$60
Frames
$130 + 20% off over the allowance $70 allowance at Costco and Walmart
Eyeglass Frames
$70
Contact Lenses* Elective
$130
$105
Medically Necessary
$10
$210
Frequency Examination
12 Months
Lenses
12 Months
Frames
12 Months
Contact Lenses
12 Months
*In lieu of eyeglasses.
Laser Vision Correction Discount
z Average 15% off the
regular price or 5% off the promotional price z Discounts only available from contracted facilities z Once per eye per lifetime
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Bean Automotive • 2024-2025 Benefits Guide
LIFE AND DISABILITY INSURANCE THE HARTFORD Basic & Voluntary Life Insurance Bean Automotive provides Employer Paid Life Insurance and AD&D to all full-time eligible associates in the amount of: z All Executive and Managers $25,000 z All Other Full-Time Benefit Eligible Associates and Technicians $15,000 Accidental Death and Dismemberment (AD&D) benefit amount will match your benefit amount. Benefits will reduce 65% at age 65 and will terminate at retirement. If you would like additional coverage, Voluntary Life and AD&D insurance is available to you, your spouse and your dependent children. You must enroll in coverage for yourself in order to cover your spouse or children. If you don’t enroll in Voluntary Life when it’s first available to you, or elect an amount over the Guaranteed Issue, you may be required to complete an Evidence of Insurability (EOI) form.
Insurance Coverage
Benefit Amount
Guarantee Issue
Other Benefits Included
Choice of $10,000 Increments
z
Accidental Death & Dismemberment (AD&D)
z
Not to exceed 6 times your annual salary
Up to $200,000 at initial enrollment
z
z
Voluntary Associate Life
Living Care/Accelerated Death Benefit
z
Maximum Amount $500,000
z
Choice of $5,000 Increments
z
Waiver of Premium
Not to exceed 100% of associate’s elected amount
z
z
Voluntary Spouse Life
Up to $50,000
z
Portability
z
Maximum Amount $200,000
z
Conversion
$10,000
Up to $10,000
Voluntary Child Life
z
z
z
Disability You have the opportunity to purchase Short-Term and/or Long-Term Disability. These plans give you income protection in the event you are ill or injured in a non-work related injury, and can’t come to work. If you don’t enroll in Disability coverage when it’s first available, you may be required to complete and an Evidence of Insurability (EOI) form.
Short-Term Disability Benefits
Long-Term Disability Benefits
Elimination Period
7 days
Elimination Period
180 days
Weekly Benefit
60% of weekly earnings
Monthly Benefit
60% of monthly earnings
Maximum Weekly Benefit $1,000
Maximum Monthly Benefit $6,000
The greater of your Social Security Normal Retirement Age or 3.5 years
Maximum Benefit Period 25 weeks
Maximum Benefit Period
Pre-Existing Period
3/6/12
Pre-Existing Period
3/12
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Associate Assistance Program Description We are pleased to offer an Associate Assistance Program to assist you and your family through difficult times. z Unlimited access to Master’s-level counselors by phone 24/7. z Up to 3 face-to-face visits with a counselor at no cost. z Unlimited access to helpful tools and resources online. z Referrals available.
Identify Theft Protection
Description Every online transaction leaves a trace behind, taking on a life of its own, which can put your credit and identity at risk. LifeLock can help monitor your credit and protect your identity. With the LifeLock Benefit Essential protection plan, you have full restoration services with extra layers of protection such as identity alert system, credit monitoring and application alerts, secure VPN, dark web monitoring, million dollar protection package, Norton Device Security for PCs, Mac and mobile devices, Norton Family Parental Controls, password manager and much more!
Contact information Ability Assist & HealthChampion 800.964.3577 guidanceresource.com Use Company Code: HLF902 Use Company Name: ABILI
Contact information Norton LifeLock: my.norton.com 800.607.9174 Who pays? Bi-Weekly Associate Payroll Contributions:
Select: Ability Assist Program to create your own confidential user name and password
Who pays? Employer Paid
Associate Only Family
$3.92 $6.91
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Bean Automotive • 2024-2025 Benefits Guide
Travel Assistance & ID Theft Protection Description
Pet Insurance
Description No matter what unpredictable antics your beloved extended family member gets into, your family isn’t complete without them. Beginning May 1, 2024, you can enroll in MetLife Pet Insurance and feel confident that their health and your wallet are protected if you’re faced with an unexpected trip to the vet. Why MetLife Pet Insurance? z Coverage for dogs or cats z Levels of coverage from $500-unlimited z Deductible options of $250-$2,500 z Choice of 50%-100% reimbursement on veterinary bills z Routine wellness $125-$575 annual allowance z 24/7 access to Telehealth Concierge Services Includes exam fees, surgeries, medications, ultrasounds, hospital stays, X rays and diagnostic tests
Travel Assistance with ID Theft Protection includes pre-trip information to help you feel more secure while traveling. It can also help you access professionals across the globe for medical assistance when traveling 100+ miles away from home for 90 days or less. ID Theft services are available to you and your family at home or when traveling.
Contact information U.S: 800.243.6108 International: 202.828.5885 Travel Assist ID: GLD-09012
Who pays? Employer Paid
Contact Information metlife.com/getpetquote 800-438-6388
Who pays? Discounted rate available. Each pet’s premium will be unique based on the age, breed, location, as well as what coverage amount you select. You can set up an automatic payment via credit card through the online portal or ACH via call center.
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EstateGuidance Will Services
Legal Plan
Description MetLaw covers you, your spouse and dependents with an unlimited number of personal legal matters with an attorney of your choice. Legal matters range from estate planning documents, family law, immigration assistance, real estate matters, document preparation, traffic offenses, personal property protection, financial matters and more!
Description Whether your assets are few or many, it’s important to have a will. Through The Hartford you have access to Estate Guidance. It helps you protect your family’s future by creating a will online— backed by online support from licensed attorneys. Just follow the instructions to create a will that’s customized and legally binding.
Contact information estateguidance.com Use code: WILLHLF
Contact information MetLaw: legalplans.com Access Code: Legal 800.821.6400 Who pays? Discounted rates available
Who pays? Employer Paid
Funeral Concierge Services
Beneficiary Assist Counseling Services
Description The Hartford’s Funeral Concierge offers a suite of online tools and live support to help guide you through key decisions. It allows for pre-planning, documentation of wishes, and even offers cost comparisons of funeral related expenses. After a loss, this service includes family advocacy and professional negotiation of funeral prices with local providers—often resulting in significant savings.
Description The Hartford offers you Beneficiary Assist counseling that can help you or your beneficiaries (named in your policy) cope with emotional, financial and legal issues that arise after a loss. Includes unlimited 24/7 phone access for legal and financial advice or emotional counseling with up to 5 face-to-face sessions or equivalent professional time for one service or a combination of services, for up to a year from the date a claim is filed.
Contact information everestfuneral.com/hartford Use code: HFEVLC 866.854.5429
Contact information 800.411.7239
Who pays? Employer Paid
Who pays? Employer Paid
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Bean Automotive • 2024-2025 Benefits Guide
GLOSSARY OF TERMS COPAYMENT : A copayment (copay) is the fixed dollar amount you pay for certain in-network services on a PPO-type plan. In some cases, you may be responsible for coinsurance after a copay is made. COINSURANCE: Your share of the costs of a healthcare service, usually figured as a percentage of the amount charged for services. You start paying coinsurance after you’ve met the deductible. Your plan pays a certain percentage of the total bill, and you pay the remaining percentage. DEDUCTIBLE: A deductible is the amount of money you must meet before your plan begins paying for services covered by coinsurance. Some services, such as office visits that require copays do not apply to the deductible. For example, if your plan’s deductible is $1,000, you’ll pay 100 percent of eligible healthcare expenses until you have met the $1,000 deductible. After that, you share the cost with your plan by paying coinsurance.
FORMULARY : A list of prescription drugs covered by the plan. Also called a drug list.
HIGH DEDUCTIBLE HEALTH PLAN (HDHP): This is a type of medical plan that requires the member to reach a deductible prior to having services covered by coinsurance. All expenses paid by the member count toward the deductible and out-of-pocket maximum. IN-NETWORK: A group of doctors, clinics, hospitals and other healthcare providers that have an agreement with your medical plan provider. You pay a negotiated rate for services when you use in-network providers. OUT-OF-NETWORK: Care received from a doctor, hospital or other provider that is not part of the plan agreement. You’ll pay more when you use out-of-network providers since they don’t have a negotiated rate with your plan provider. You may also be billed the difference between what the out-of-network provider charges for services and what the plan provider pays for those services. OUT-OF-POCKET MAXIMUM: This is the most you must pay for covered services in a plan year. After you spend this amount on deductibles and coinsurance, your health plan pays 100 percent of the costs of covered benefits. However, you must pay for certain out-of-network charges above reasonable and customary amounts.
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Medical J.P. Farley Member services: 800.634.0173 Website: jpfarley.com Email: benefits@jpfarley.com CONTACTS
Human Resources
Silvia Rondon Human Resources Director 305.728.6820 silvia.rondon@beanauto.com Carmen Martinez Benefits & Payroll Supervisor 305.728.6814 carmen.martinez@beanauto.com Cindy N. Garcia Benefits and Payroll Coordinator 305.728.6844 cindy.garcia@beanauto.com Jeannette Gomez Human Resources Generalist II 305.728.6856 jeannette.gomez@beanauto.com Addilena Torres Human Resources Generalist II 305.728.6824 addilena.torres@beanauto.com Pamela Malagon Human Resources Generalist 305.728.6823 pamela.malagon@beanauto.com Sugerys Batista Human Resources Specialist 305.728.6825 sugerys.batista@beanauto.com
Medical Gap American Public Life (APL) Member services: 800.256.8606, option 2 Website: secured.ampublic.com
Prescription Drugs SmithRx Member services: 844.454.5201 Website: member.mysmithrx.com Dental Delta Dental Member services: 800.521.2651 (DPPO)
or 800.422.4234 (DHMO) Website: deltadentalins.com
Vision Sun Life/VSP Member services: 800.247.6875 Website: vsp.com
Supplemental Health Benefits The Hartford Member services: 866.547.4205 Website: thehartford.com/employee-benefits/employees
Support Line 833.226.8357 benefitsassistance@lockton.com
Life & Disability The Hartford Member services: 800.523.2233 Website: thehartford.com
Annual notices are available here: https://online.flippingbook.com/view/506885415/
Plan documents are available here: https://online.flippingbook.com/view/506901783/
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Bean Automotive • 2024-2025 Benefits Guide
NOTES
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The descriptions of the benefits are not guarantees of current or future employment or benefits. If there is any conflict between this guide and the official plan documents, the official documents will govern.
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