During your personalized individual meetings, EOI benefit counselors will:
Review your benefits package available
Answer questions and provide additional information
Enroll you in your selected benefits for the 2025-2026 plan year
Although the public health emergency ended, we encourage everyone to continue following the guidelines and recommendations of health experts to keep themselves and their communities safe. Through this transition, we are committed to providing our members with the information and resources they need now and in the future.
Napleton Automotive Group is pleased to offer two Preferred Provider Organization (PPO) options as well as our HDHP plans with UMR.
Please see above or reference your benefit guide for more detailed information on each plan.
Teladoc Virtual Office Visits
Teladoc allows you to consult with a network of state-licensed primary care physicians providing cross-coverage consultations over the phone or through a face-to-face online *video consultation 24 hours a day, seven days a week, and 365 days a year.
Teladoc physicians diagnose non-emergency medical issues, recommend treatment, and prescribe short-term, non-DEA-controlled medication when necessary. This service is readily available, convenient, and more cost-efficient than going to see your primary care provider.
*Video consultations are available in all states except Idaho, Iowa, Louisiana, Missouri, Ohio, and Texas.
CVS Caremark Pharmacy
Making sure you get the medication you need is our priority. You can decide the most convenient way to fill your Rx – with options like contactless delivery to your door or pickup at a pharmacy in your network. The choice is yours.
Talkspace
Something on your mind? Message a dedicated therapist anytime, anywhere.
With UMR’s Talkspace online therapy, you can regularly communicate with a therapist, safely and securely from your phone or desktop. No office visit is required.
Here’s how Talkspace can fit your life:
Real Appeal
Lose weight and get help to keep it off.
UMR is excited to introduce a new healthy weight management program through Real Appeal. With the help of experts in weight management behavior change, Real Appeal uses the secrets to weight loss that may help people lose weight. They have proven experience in helping people develop simple weight loss plans that actually work.
The Real Appeal program includes:
Administered by MetLife
The Napleton Automotive Group Employee Dental Plan provides you and your family with coverage for preventive dental care and both major and minor dental procedures to improve overall oral health.
You have the flexibility to use any dentist of your choice; however, you can manage your out-of-pocket costs by remaining in-network.
Find a Dental PPO Provider
With MetLife Dental insurance, you can choose from thousands of general dentists and specialists nationwide. You can find names, addresses, languages spoken, and phone numbers of participating dentists by searching our online Find a Dentist directory.
Step 1: Go to metlife.com
Step 2: Select “Find a Dentist” next to “How can we help you?”
Step 3: Select “PDP Plus” next to “Choose your network.” Enter your ZIP, City, or State and select the “Find a Dentist” button.
MetLife Dental Benefit Summary
Administered by VSP Network through MetLife
The Napleton Automotive Group Employee Vision Plan provides coverage for eye exams, lenses, and frames—vision care for the whole family.
Additional Savings on Glasses and Sunglasses
Get 20% off the cost for additional pairs of prescription glasses and non-prescription sunglasses, including lens enhancements. At times, other promotional offers may also be available.
Find a vision provider at www.metlife.com/vision.
MetLife Vision Benefit Summary
Administered by TELUS Health
EAP service offers caring and professional assistance for a broad range of concerns, including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse. Services are confidential and available 24 hours a day, seven days a week for you and your eligible dependents. This service is available to everyone at no cost.
Short-Term Disability
Administered by Voya
If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion of your income for a defined maximum period of time.
During your new hire enrollment period only, you can elect coverage without answering medical questions!
| Disability Coverage | Voluntary Short-Term |
| Waiting Period | Begins on the 8th day of continuous injury or illness |
| Benefit Amount | 60% of weekly earnings (increments of $10) |
| Maximum Benefit | $1,000 per week |
| Length of Payment Period | 12 weeks |
| Premium Contribution | Employee pays 100% of the premium |
| Additional Notes: | Pre-existing condition exclusions apply |
Long-Term Disability
Administered by Voya
Napleton Automotive Group's Long-Term Disability plan provides a monthly benefit in the event that you become disabled and are unable to work. Long-Term Disability provides replacement income to give you financial security.
This coverage is entirely optional and is paid for by the employee.
| Disability Coverage | Voluntary Long-Term |
| Waiting Period | Begins on the 91st day of continuous injury or illness |
| Benefit Amount | 60% of monthly earnings |
| Maximum Benefit | $5,000 per month |
| Length of Payment Period | SSNRA |
| Premium Contribution | Employee pays 100% of the premium |
| Additional Notes: | Evidence of Insurability is required for late entrants or anyone who has previously declined coverage |
Administered by Voya
Hospital Indemnity coverage offers a customizable and flexible plan design that will help supplement your major medical plan offering. This coverage provides benefits that employees can use to offset deductibles, co-pays, and out-of-pocket medical and non-medical expenses related to covered events that cause financial exposure, such as hospital confinement.
Administered by Voya
Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Always make sure your beneficiaries are updated. The cost of the benefit is 100% paid for by the company. Benefits reduce by 35% at age 65 and to 50% of the original amount at age 70.
Benefit Amount:
Administered by Voya
Voluntary Term Life/AD&D allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. Costs are determined on group discounted rates. Always make sure your beneficiary information is updated.
An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 100% of what the employee takes out on themselves.
The cost of the benefit is 100% paid for by you. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will go up as you age. See your plan documents for more detail.
Plan details
Administered by Voya
Accident can happen to anyone at any time. Accident insurance pays a cash benefit for injuries, treatments, and loss due to a covered accident. You can use the benefit however you see fit - to help pay for out-of-pocket medical costs or everyday expenses.
Administered by Voya
Critical illness coverage offers the protection you need when a critical illness is diagnosed. A lump sum benefit of $10,000, $20,000, or $30,000 is available for employees to help with treatment and recovery; the benefit is 100% of the employee amount for spouses and 50% of the employee amount for children if electing to cover them.
Administered by The Standard (formerly Allstate)
Whole Life insurance offers protection beyond an individual’s working years, potentially for your lifetime. With a guaranteed death benefit that will never decrease, level premiums that will never increase, cash value accumulation, living benefits and other options. Whole Life goes beyond typical term life insurance.
Whole Life Insurance
Seguro de Vida Integral
Additional Information: