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Welcome to Alexander’s Mobility Services!

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 your local Office Administrator as shown on
page 4 of this guide.

Contents

Important Information ………………………………………… 2 Tips for Using Your Dental Benefits ……………………. 12

Enrollment Information ……………………………………….. 3 Vision Insurance …………………………………………………. 13
Resources and Contacts ….…………………………………… 4 Employee Assistance Program …………………………... 13
Online Benefits Enrollment ………………………………….. 5 Life and AD&D Insurance …………………………………... 14
Medical Insurance ……………………………………………….. 6 Disability Insurance ………………………………………….... 15

Health Advocate ………………………………………………….. 6 Travel Assistance ………………………………………………... 15
Telemedicine…………………………………. …………………... 7 Flexible Spending Accounts ………………………………… 16

Tips for Using Your Medical Benefits …………………... 10 Employee Contributions ……………………………………... 17

Dental Insurance …………………………………………………. 12 Notes…………………………. ……………………………………... 18
IMPORTANT INFORMATION

California Individual Mandate

Even though the Affordable Care Act (ACA) penalty for not having health coverage (known as the individual mandate) has been
reduced to zero, if you are a taxpayer in California, you will still be required to have health coverage (unless you qualify for an
exemption) or pay a penalty for the 2020 tax year. Several other states have reinstated an individual mandate requirement and
others are considering doing so in the future. You may consider these options to satisfy this requirement:
• Enroll in a medical plan offered by Alexander’s Mobility Services or another group medical plan meeting the requirements for
minimum essential coverage;
• Purchase coverage through a health insurance marketplace;
• Enroll in coverage through a government-sponsored program if eligible.
However, if you choose to purchase coverage through the marketplace, because Alexander’s Mobility Services medical plans are
considered affordable and meet minimum value under the Affordable Care Act, you may not be eligible for a subsidy, and you may
not see lower premiums or out-of-pocket costs through the marketplace. In addition, employer contributions to your medical
benefits will be lost and your portion of medical premiums will no longer be paid via payroll deductions on a pre-tax basis
Annual Notices

Various state and federal laws require that employers provide disclosure and annual notices to their plan participants. Alexander’s
Mobility Services has posted all federally required annual notices on ADP and our intranet for you to download and read at your
convenience.

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
• HIPAA Notice & Privacy Packet

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