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Welcome to Petroleum Marketing Equipment!

This guide provides a summary of your benefit options and is designed to help you make choices and enroll for coverage. If you
would like more information about any of the benefits described here, please contact the Human Resources.

Contents

Important Information 2 Employee Assistance Program 11
Enrollment Information 3 Life/AD&D Insurance 12
Online Benefits Enrollment 4 Will Prep Services 13

Medical Insurance 5 College Tuition Rewards 13
Dental Insurance 10 Resources and Contacts 14
Vision Insurance 11 Employee Contributions 15

IMPORTANT INFORMATION

ACA Annual Notices

The Affordable Care Act (ACA)’s penalty for not having health coverage Petroleum Marketing Equipment’s plans are
(known as the individual mandate) has been eliminated. However, if partially arranged by Petroleum Marketing
you are a taxpayer in California, Massachusetts, New Jersey, Vermont Equipment and governed by its plan rules and
or the District of Columbia, you will be required to have health documents. Various state and federal laws require
coverage (unless you qualify for an exemption) or pay a penalty for the that employers provide disclosure and annual
2020 tax year – these states have an individual mandate requirement. notices to their plan participants.

You may consider these options below to satisfy this requirement: The following is a list of the annual notices:
• Enroll in a medical plan offered by Petroleum Marketing Equipment • Medicare Part D Notice of Creditable
or another group medical plan meeting the requirements for Coverage
minimum essential coverage; • Women's Health and Cancer Rights Act
• Purchase coverage through a health insurance marketplace; (WHCRA)
• Enroll in coverage through a government-sponsored program if • Newborns’ and Mothers’ Health Protection
eligible. Act
• Special Enrollment Rights
If you choose to purchase coverage through the marketplace, because • Medicaid & Children’s Health Insurance
Petroleum Marketing Equipment’s medical plans are considered Program
affordable and meet minimum value under the Affordable Care Act, you • HIPAA Notice of Privacy Practices
may not be eligible for a subsidy, and you may not see lower premiums • Summary of Benefits and Coverage (SBC)
or out-of-pocket costs through the marketplace. In addition, employer
contributions to your medical benefits will be lost, and your portion of Petroleum Marketing Equipment distributes
medical premiums will no longer be paid via payroll deductions on a pre annual notices to new-hires, and each year during
-tax basis. open enrollment. You may also request a copy by
contacting the Human Resources or download a
copy from Ease.

For More Information
Go to www.healthcare.gov.

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