Stuckey Automotive 2022 Benefits Open Enrollment

Administered by Lucent/Cigna

Stuckey Automotive is pleased to offer a new HDHP Plan with HSA coverage. This plan includes telemedicine through Teladoc. Telemedicine provides you with virtual access to a licensed physician 24/7, for a $0 copay!

Stuckey Automotive covers the cost of your Direct Primary Care (DPC) membership through Hampton Medical. DPC is a new model that supplements your medical insurance and gives you an all access pass to your doctor via text, phone, video, email, and in-person visits. The goal of DPC is to make it easy and affordable to help the help you need whenever and wherever you need it.

Watch the video below to learn more about Direct Primary Care (DPC). 

You have the option to elect the VIP Level Healthcare through People One Health. This plan is designed to supplement your medical insurance and help you keep your out-of-pocket costs down when you need care.

Administered by WEX

A Health Savings Account, commonly known as “HSA,” is an individual account you can open, add money to and spend on eligible health care expenses. 

The HSA is Unique Because:

• Money used for eligible expenses is not taxed.
• Investment earnings are not taxed.
• Money spent on eligible expenses is not taxed.
• The money rolls over year to year.
• You own the account and you control how the money is spent.

Eligible Expenses:
HSA money can be used tax-free for any eligible health care expenses. In general, eligible health care expenses are those that qualify toward the deductibles, copays, and coinsurance with your health insurance.

The money in your HSA must be used for eligible medical, dental, vision, and prescription drug expenses. If you use money for a dental, vision or medical expense that is not covered by the medical plan, it is important to understand that your medical plan deductible will still need to be met if an expense is incurred.

For a complete list of IRS approved Qualified Medical Expenses, visit www.irs.gov.

2022 Annual HSA contributions Limits:
(Add an extra $1,000 if you are age 55 or older)

• Single: $3,650
• Single+1/Family: $7,300

The Health Savings Account (HSA) is only available in combination with enrollment in an HDHP plan.

If you choose to elect HDHP coverage and open an HSA, Stuckey Automotive will contribute funds to your HSA on March 1, 2022:

• $500 for employee only coverage
• $1,000 for employee + one or more dependents

Administered by Delta Dental

Stuckey Automotive offers two Dental PPO Plans. Click the links below to learn more about what each plan covers.

• Plan 1 - Basic
• Plan 2 - Enhanced

All plans feature coverage for dental cleanings, x-rays, and fluoride treatments, as well as fillings, crowns, bridges, and more.  Plan 2 - Enhanced also includes coverage for major services such as crowns, inlays, and more.

To search for in-network providers, log on to www.deltadental.com. Locate a provider within the Delta Dental PPO network.

Administered by VBA

Stuckey Automotive offers a vision plan that provides coverage for eye exams, glasses, and contact lenses.

To search for in-network providers, log on to www.vbaplans.com/vision.

Administered by The Hartford

Long-Term Disability (LTD) 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 pays you a benefit of up to 60% of your monthly earnings, not to exceed $6,000 per month. The plan begins paying these benefits after you have been unable to work for 90 consecutive days.

Voluntary Short-Term Disability (STD) provides a weekly benefit for expenses incurred if you cannot work several weeks due to an illness or injury unrelated to work.

This coverage pays you a benefit of up to 60% of your weekly earnings, not to exceed $1,000 per week. The plan begins paying these benefits on the 1st day after the accident and the 8th day after the illness and will pay you a weekly benefit for up to 13 weeks.

Administered by the Hartford

Basic Life and AD&D Basic Life/AD&D plan is a 100% employer-paid benefit that provides your family with financial protection in the event of your death or the death of a covered dependent. The Accidental Death & Dismemberment (AD&D) plan protects you and your family in the event of your death or injury due to a covered accident in addition to the benefit provided by your Basic Life coverage. Stuckey Automotive provides coverage of 1 times your annual earnings up to a maximum of $50,000. 

Voluntary Life and AD&D are available in addition to your employer-provided Basic Life and AD&D. You may purchase Voluntary Life and/or AD&D insurance for your spouse and dependents only if you purchase insurance coverage for yourself. Benefits are payable to your beneficiary, so be sure to keep your beneficiary designation up to date.

Administered by The Hartford

Accident Insurance can help you cover the extra costs that can occur when you, your spouse or your children suffer a covered injury on or off-the-job. This plan also includes a $50 health screening benefit per year for each covered person that completes a qualified health screening.

Benefits are payable for such things as:

• Fractures and dislocations
• Hospitalizations and doctor visits
• Visits to the emergency room
• Physical therapy

Plan Features:

• No health questions to answer
• Guaranteed renewable
• Lump-sum benefit
• Family coverage options

Administered by The Hartford

This Critical Illness policy through The Hartford provides you with a lump sum cash benefit in the event you or a covered loved one is diagnosed with a covered condition such as cancer, heart attack, or stroke. This plan also includes a $50 health screening benefit per year for each covered person that completes a qualified health screening.

During this enrollment only, you can elect coverage without answering medical questions!

• Employee: up to $20,000
• Spouse: up to 50% of employee's coverage amount
• Child(ren): up to 50% of employee's coverage amount

Administered by The Hartford

An unexpected hospital stay can put a strain on your budget. The Hartford's Hospital Indemnity Insurance provides money you can use to help cover the costs you might not anticipate. Helping you handle expensive hospital bills lets you focus more on recovering and less on how much the next test is going to cost. Enroll without answering medical questions.

• You’ll receive a lump sum payment to use as you see fit
• Pays on top of what your medical insurance covers
• Coverage for hospital admissions and confinement

Administered by Transamerica

Universal Life Insurance with Living Benefits through Transamerica provides lifelong protection with flexible premiums. This plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. This coverage also offers you "living benefits" should you need Long Term Care after becoming chronically ill and confined to a nursing or assisted living facility, or if you need to receive home health or adult day care.

The unique feature of Universal Life Insurance is that you build cash value with a guaranteed tax-deferred interest rate of 3% which may allow your premiums to remain level throughout the life of the contract.

During this enrollment only you can elect coverage, up to a certain amount, without answering medical questions!

This benefit will be effective April 1, 2022.

Medical

• Lucent Health - Claims
  
  • lucenthealth.com
  • 800-411-3650
• Cigna - To find a provider ONLY
  • Cigna PPO Network
  • mycigna.com
  • 855-830-9234

• Southern Scripts - Pharmacy
  
  • southerscripts.net
  • 800-710-9341
• Narus Health - Concierge Care
  
  • narushealth.com/concierge
  • 888-585-3309

Health Savings Account (HSA)

• wexinc.com
• 866-451-3399

Dental

• deltadental.com

Vision

• vbaplans.com
• 800-432-4966

Disability, Life and AD&D, Accident, Critical Illness, Hospital Indemnity

• TheHartford.com/employeebenefits
• 800-523-2233

Universal Life with Long Term Care

• transamerica.com
• 888-763-7474