Page 2 - Oremor EE Benefits Guide 01-19.pub
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Welcome to Oremor Automotive Group!
This guide provides a summary of your benefit op ons and is designed to help you make choices and enroll for coverage. If you
would like more informa on about any of the benefits described here, please contact the Human Resources Department:
Sheralee Urbano, Execu ve, Human Resources Director: (909) 563‐7707 | Sheralee@oremor.net
Debbie Layton, Payroll Manager/Benefits: (909) 563‐7734 | Debbie@oremor.net
Mallory Sander, Benefits Administrator: (909) 563‐7735 | Mallory@oremor.net
Contents
Important Informa on ………………………………………… 2 Tips for Using Your Dental Benefits ……………………. 11
Enrollment Informa on ………………………………………. 3 Vision Insurance …………………………………………………. 12
Resources & Contacts …………………………………………. 4 Life and AD&D Insurance ………………………………….. 13
Plan Administrators ……………………………………………. 5 Disability Insurance ………………………………………….. 13
Medical Insurance ………………………………………………. 5 Travel Assistance ………………………………………………… 14
Tips for Using Your Medical Benefits ………………….. 8 Iden ty The …………………………………………………….. 14
Dental Insurance …………………………………………………. 10 Employee Contribu ons …………………………………….. 15
Important Information
The Affordable Care Act and You
The Affordable Care Act (ACA) requires applicable large employers to make affordable coverage available to their employees or risk
paying a penalty. Although the individual penalty is no longer valid, it is important that you understand your op ons for health
insurance coverage as follows:
Enroll in a medical plan offered by Oremor Automo ve Group or another group plan
Purchase coverage through a health insurance marketplace
Enroll in coverage through a government sponsored program
Because Oremor’s medical plans are considered affordable and meet minimum value under Health Care Reform, you will not
generally see lower premiums or out‐of‐pocket costs through the marketplace. In addi on, employer contribu ons to your medical
benefits will be lost if you choose to purchase coverage through the marketplace, and your por on of medical premiums will no
longer be paid via payroll deduc ons on a pre‐tax basis.
For more informa on on your coverage op ons, please visit www.healthcare.gov.
Annual Notices
Various state and federal laws require that employers provide disclosure and annual no ces to their plan par cipants. Oremor
Automo ve Group will distribute all federally required annual no ces upon hire and during each annual open enrollment period.
The following is a list of the annual no ces:
Medicare Part D No ce of Creditable Coverage
HIPAA No ce of Privacy Prac ces
Women's Health and Cancer Rights Act (WHCRA)
Newborns’ and Mothers’ Health Protec on Act
Special Enrollment Rights
Medicaid & Children’s Health Insurance Program
Summary of Benefits and Coverage
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