Page 2 - Oremor EE Guide 01-17_Updated 11.17.16
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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) 563‐7810 | sheralee@oremor.net
Debbie Layton, Payroll/Benefits: (909) 563‐7734 | Debbie@romeromotors.com
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 nearly every American to be enrolled in medical coverage or pay a penalty. This is referred
to as the individual mandate. You have several op ons to sa sfy this requirement:
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
Have no coverage and incur a tax penalty
Because OREMOR Automo ve Group’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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