Page 2 - Oremor EE Guide 01-18_FINAL1
P. 2
Welcome to OREMOR Automotive Group!
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 Department:
• Sheralee Urbano, Executive, Human Resources Director: (909) 563-7810 | sheralee@oremor.net
• Debbie Layton, Payroll/Benefits: (909) 563-7734 | Debbie@romeromotors.com
Contents
Important Information ………………………………………… 2 Tips for Using Your Dental Benefits ……………………. 11
Enrollment Information ………………………………………. 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 Identity Theft …………………………………………………….. 14
Dental Insurance …………………………………………………. 10 Employee Contributions …………………………………….. 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 options to satisfy this requirement:
• Enroll in a medical plan offered by OREMOR Automotive 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 Automotive 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 addition, employer
contributions to your medical benefits will be lost if you choose to purchase coverage through the marketplace, and your portion of
medical premiums will no longer be paid via payroll deductions on a pre-tax basis.
For more information on your coverage options, please visit www.healthcare.gov.
Annual Notices
Various state and federal laws require that employers provide disclosure and annual notices to their plan participants. OREMOR
Automotive Group will distribute all federally required annual notices upon hire and during each annual open enrollment period.
The following is a list of the annual notices:
• Medicare Part D Notice of Creditable Coverage
• HIPAA Notice of Privacy Practices
• Women's Health and Cancer Rights Act (WHCRA)
• Newborns’ and Mothers’ Health Protection Act
• Special Enrollment Rights
• Medicaid & Children’s Health Insurance Program
• Summary of Benefits and Coverage
2
