2018 - 2019 EMPLOYEE

BENEFIT GUIDE

NOVEMBER 1, 2018 – OCTOBER 31, 2019

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TABLE OF CONTENTSWelcome 3

Frequently Asked Questions 4

Section 125 Tax Savings 5

Medical Benefits 6

Health Savings Account (HSA) 7

Voluntary Worksite Benefits 10

Dental Benefits 12

Vision Benefits 13

Disability Insurance 14

Life Insurance 15

Go365 16

Florida Quit Program 18

Telemedicine 19

Cost-Saving Suggestions 20

Contact Information 21

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Morgan Auto Group2018 - 2019

Welcome to Open Enrollment! As a member of Morgan Auto Group you are eligible for a wide range of valuable benefits designed to:

• Promote the health and wellness of you and your family• Protect your income while you are working• Build financial security for retirement• Help you balance your personal responsibilities and work life

Some benefits are provided automatically, while you must actively choose others. Morgan Auto Group provides you with many benefits options enabling you to choose the package that best meets your needs. This year you will have the opportunity to meet with a Benefits Counselor to make your elections.

This guide gives you an overview of the benefits available to you. During this Open Enrollment period, you have the opportunity to reevaluate your benefits status and make any necessary changes.

Sincerely,

Human Resources

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Q: WHO IS ELIGIBLE FOR BENEFITS?A: All regularly scheduled employees working at least

30 hours per week are eligible for benefits. Coverage may also be elected for dependents, including your legal spouse and dependent children to age 26.

Q: WHEN DO I BECOME ELIGIBLE FOR BENEFITS?

A: Employees are eligible for benefits the 1st of the month following 60 days of full-time employment.

Q: WHAT BENEFITS REQUIRE RE-ELECTION DURING OPEN ENROLLMENT?

A: All benefits will be required to be re-elected during Open Enrollment. This is the case even if you wish to renew benefits with no changes.

Q: WHAT IF I DO NOT MAKE CHANGES TO MY CURRENT ELECTIONS?

A: You will still be required to re-elect benefits.

Q: WHAT IF I WANT TO CHANGE MY ELECTIONS OR I AM ENROLLING FOR THE FIRST TIME?

A: Employees may change benefit elections during this Open Enrollment period. Once elections are made, you are unable to make any changes to your coverage unless you experience an IRS approved qualifying event.

Q: WHAT IF I MAKE A MISTAKE IN MY COVERAGE OR CHANGE MY MIND?

A: Once Open Enrollment closes, changes cannot be made unless you experience an IRS approved qualifying event. Please be very careful when selecting your coverage as this coverage will remain active for the remainder of the benefit year.

Q: WHAT IF I EXPERIENCE AN IRS APPROVED QUALIFYING EVENT?A: Notify HR and complete appropriate documentation

within 30 days of experiencing an IRS approved qualifying event. Otherwise, no changes will be allowed until the next Open Enrollment period. Examples of qualifying events include: marriage, legal separation, divorce, birth or adoption, death, change in spouse’s employment status and change in eligibility.

Q: WHEN DO MY OPEN ENROLLMENT ELECTIONS TAKE EFFECT?

A: Open Enrollment elections will take effect November 1, 2018. The complete plan year is November 1, 2018 through October 31, 2019.

FREQUENTLY ASKED QUESTIONS

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CHANGING YOUR BENEFIT ELECTIONS

Internal Revenue Service (IRS) regulations state that benefit elections cannot be changed during a plan year unless you experience an IRS approved qualifying event. Generally, these may include:

If you experience an IRS qualifying event during the year, you may choose new levels of coverage at that time, consistent with the qualifying event that takes place. If you get married, for example, you can add your new spouse.

Important: You have only 30 days from the date of an IRS approved qualifying event to enroll or drop dependents or yourself from the applicable benefits. To make changes to your benefit elections, please notify Human Resources and supply supporting documentation (e.g., marriage certificate, birth certificate, etc.) within 30 days of change.

AUTOMATIC TAX SAVINGS

Your medical, dental, and vision premiums are automatically paid using pre-tax payroll deductions. Since the premiums are taken out before you pay taxes, your taxable income is actually reduced and you pay less in taxes over the course of a year.

* The example below shows how pre-tax contributions save you money.

Once your benefit options go into effect, they remain in effect for the entire plan year. Your benefit elections can be changed only at the next annual Open Enrollment (effective November 1) or as a result of an IRS approved qualifying event (explained above in the Changing Your Benefit Elections section).

After Taxes Pre-Tax

Gross annual income $20,000 $20,000Annual employee-paid insurance premiums $2,000 $2,000

Taxable income $20,000 $18,000

Federal income and Social Security taxes $2,370 $1,917

Net (take-home) pay $15,630 $16,083$453 More Take-Home Pay!

* The Section 125 Plan provides tax savings by deducting your health care premiums from your gross salary prior to calculation of federal income and Social Security taxes, as allowed under Internal Revenue Code Section 125.

Assumes a $20,000 gross income; married filing jointly; family medical insurance coverage; and residence in a state that does not impose state income tax.

• Marriage• Divorce• Legal separation• Death of spouse or other dependent• Birth, adoption, or placement of a child for adoption• You, your spouse, or dependent experience a change in work

hours that impacts your benefits eligibility (e.g. from full-time to part-time or vice versa)

• You, your spouse, or dependent begin or end employment

• Relocation into or out of your plan’s service area• Dependent’s eligibility changes due to age, student status,

marital status, or employment• You, your spouse, or dependent become entitled to Medicare

or Medicaid• You are issued a judgment, decree, or order that requires you

to provide accident or health coverage for your dependent child

SECTION 125 TAX SAVINGS

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UNITEDHEALTHCARE

Coverage HDHP / HSA PlanIn-Network Out-of-Network

Deductible*Individual / Family

Calendar Year$4,000 / $8,000

(Embedded)

Calendar Year$5,000 / $10,000

(Embedded)

Network Name UnitedHealthcare Choice Plus N/A

CoinsuranceCarrier / Member 80% / 20% 60% / 40%

Telemedicine $49 Copay N/A

Primary Physician Service Ded. + 20% Ded. + 40%

Specialist Physician Service Ded. + 20% Ded. + 40%

Preventive Care Covered 100% Ded. + 40%Inpatient Hospitalization Ded. + 20% Ded. + 40%

Outpatient Surgery Ded. + 20% Ded. + 40%Emergency Room Ded. + 20% In-Network Ded. + 20%Urgent Care Services Ded. + 20% Ded. + 40%Diagnostic Lab / X-Ray Ded. + 20% Ded. + 40%Advanced Imaging Ded. + 20% Ded. + 40%

Prescription Drugs $10 / $35 / $60, after the Annual Deductible has been met N/A

Mail-Order (90 Days) 2.5 X Retail Copay, after the Annual Deductible has been met N/A

Refill Requirement 90 Day Refills are required for routine drugs. You may opt-out by calling the number on your ID Card. Prescription Formulary Advantage PDL N/A

Out-of-Pocket Max Individual / Family

Calendar Year$5,000 / $10,000

(Embedded)

Calendar Year$6,000 / $12,000

(Embedded)

Semi-Monthly Deductions (24x Per Year) Non-Tobacco Tobacco

Employee $30.38 $126.81

Employee + Spouse $308.36 $443.37

Employee + Child(ren) $265.17 $361.60

Employee + Family $559.72 $694.73

*An embedded deductible is a system that combines individual and family deductibles in a family health insurance policy. When a health plan has embedded deductibles, it just means that a single member of a family doesn’t have to meet the full family deductible for after-deductible benefits to kick in. Embedded Family Deductibles. If you have family medical insurance with an embedded deductible, your plan has both individual and family deductibles. (In other words, there is an individual deductible embedded within the family deductible.)

Morgan Auto Group has partnered with UnitedHealthcare to provide Medical coverage. UnitedHealthcare is an extremely reputable carrier and has a strong network of providers nationwide. Please see the table below which provides coverage highlights for the plan. For a complete benefits summary, please refer to your UnitedHealthcare plan documents.

MEDICAL BENEFITS

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HEALTH SAVINGS ACCOUNT KEY POINTS

Enrollment in the medical plan being offered through UnitedHealthcare allows you to open a Health Savings Account (HSA) where you can deposit money to pay for your health expenses. Morgan Auto Group has partnered with Valley National Bank to make opening an HSA easier for you. Contributions to your HSA are tax deductible, and income earned on funds in the HSA grows tax-deferred. Your HSA may also be invested into a number of mutual funds, allowing you to invest tax-free to save for either retirement or qualified expenses.

• The HSA is your account. The funds deposited into your HSA belong only to you. They can be used to pay for your health care expenses, as well as the eligible expenses of your legal spouse and dependent children, even if they are not enrolled in the plan with you.

• You can only spend what is available in the account, just like a regular checking or savings account. • Funds from the HSA can be used to pay for doctor’s visits, hospital charges, pharmacy expenses, dental and vision expenses. The IRS

determines what items qualify as eligible. Important: If funds are used for non-eligible expenses, you will be charged the taxes you would have otherwise paid, as well as an IRS penalty.

• You will receive a debit card to access the funds from your HSA and pay for your expenses. • Whatever money is left in your account at the end of the year “rolls over” to the next year. It will continue to accumulate, and even earn

interest, until age 65. This is not a “use it or lose it” account. • When you visit an In-Network doctor’s office, hospital, or pharmacy, you will pay 100% of UnitedHealthcare’s negotiated rate for the

services provided. Once your medical and pharmacy expenses add up to the deductible, then UnitedHealthcare pays 80% of medical expenses, while you pay 20%. Once that 20% adds up to the Out-of-Pocket Maximum for the year, UnitedHealthcare will pay 100% of all other medical and pharmacy expenses for the remainder of the calendar year.

How much can I deposit into my Health Savings Account this year?

Type of Coverage 2018 HSA Contribution Limits* 2019 HSA Contribution Limits*Individual $3,450

$2,950 employee contribution + up to $500 Morgan Auto Group contribution = Total contribution $3,450

$3,500$3,000 Employee contribution + up to $500 Morgan

Auto Group contribution = Total contribution $3,500

Family $6,900$6,400 Employee contribution + up to $500 Morgan

Auto Group contribution = Total contribution $6,900

$7,000$6,500 Employee contribution + up to $500 Morgan

Auto Group contribution = Total contribution $7,000

Age 55+ + $1,000 + $1,000*Morgan Auto Group’s contributions count toward the annual contribution limits.

MORGAN AUTO GROUP WILL MATCH UP TO $500 OF EACH TEAM MEMBER’S CONTRIBUTIONS

For illustrative purposes only. Assumes $500 member contribution; Morgan Auto Group 100% match; use of $1,000 HSA fund toward individual plan medical deductible only.

HEALTH SAVINGS ACCOUNT (HSA)

==+Pre-Tax Member HSA Contribution(See above for limits)

$500

Morgan Auto Group match contribution to Member HSA

$500

Available for Member Medical Expenses

$1,000

Member Medical Deductible Exposure

$3,000

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HEALTH SAVINGS ACCOUNT (HSA)

HOW CAN AN HSA WORK FOR YOU?

While a traditional plan has low or no deductible, there is a higher monthly premium. Instead, when you enroll in a high-deductible health plan you will have the benefit of lower monthly premiums and can put your premium savings into an HSA to pay for qualified medical expenses. Below is an example of how an HSA can work for you!

Mark’s HSA works with his health plan*

• Mark is enrolled in individual level coverage. He chose a health plan that covers preventive care at 100% with an In-Network provider and has a deductible of $4,000.

• The costs of his routine physical exam and other preventive care are covered completely by his health plan when he uses an In-Network provider.

• Mark takes prescription medication on a regular basis. He is responsible for paying his prescriptions and other medical care until he has paid $4,000 – the amount of his deductible.

• After that, Mark is responsible for paying 20% of the cost – this is called “coinsurance” – until he reaches his plan’s Out-of-Pocket limit of $5,000.

Expense Charge What Mark pays What the plan paysAnnual Physical Exam $500 $0 $500*

Medication $5,000 $4,000 + $200(Deductible + Coinsurance) $800

Totals $5,500 $4,200 $1,300

*Plan covers preventive care at 100% when visiting an In-Network provider. Plan’s negotiated rates with Mark’s physician apply. *Plan calls for 20% Coinsurance once the deductible is met, up to a maximum Out-of-Pocket expense of $5,000.

Mark opens an HSA• He uses pre-tax payroll deductions and direct deposit, available from his employer, to save $3,000 in his HSA.• His federal tax savings with his HSA are approximately $979.50*.• Even if he uses the HSA to reimburse himself for all of his Out-of-Pocket expenses, he still saved $979.50.

Plus, keep in mind that with the high-deductible health plan associated with an HSA, Mark will likely pay less in premiums than if he was covered by another type of plan.

HSA Deposits $3,000HSA Balance remaining from prior year $2,500

Total HSA funds available for Mark to spend $5,500Federal income tax savings on deposits $979.50

Total Out-of-Pocket cost from chart above (Deductible + Coinsurance) $4,200Amount Mark carries forward $1,300

*Assumes Mark is in the 25-percent federal tax bracket and lives in a state where HSAs are not taxed. He also saves 7.65 percent in FICA taxes (Medicare and Social Security).

The above examples are for illustrative purposes only.

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HEALTH SAVINGS ACCOUNT (HSA)

HOW CAN AN HSA HELP YOU ACCUMULATE FUNDS AND SAVE MONEY ON TAXES?

An HSA is a great way to help you accumulate funds on a pre-tax basis, which can be used for eligible medical expenses. There is also an automatic tax savings since your taxable income will be reduced by the amount you fund your HSA.

Accumulation AssumptionsAverage contribution per year $3,000

Average medical expenses per year $750Federal income tax bracket 25%

State income tax bracket 5%

Year HSA Value Estimated Tax Savings1 $2,250 $9002 $4,500 $9003 $6,750 $900

Total estimated tax savings over 3 year period: $2,700

The above examples are for illustrative purposes only.

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VOLUNTARY WORKSITE BENEFITS

CRITICAL ILLNESS INSURANCE

Unum’s Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered, specified critical illness such as a heart attack, stroke or specified disease. Even those who plan for unexpected events with life, disability and health insurance may discover that some expenses associated with a critical illness can still remain unpaid. Without adequate protection, you may have to access retirement savings or rely on other financial sources in your time of need. This policy helps preserve your lifestyle in the event of a specified critical illness. It provides benefits to you directly and allows you to use the funds however you choose. This plan does have a pre-existing condition limitation. There is a 6 month look back period and 12 month exclusion period.

You can elect coverage for yourself, your spouse and children. Rates are based on coverage amount selected. Refer to your Unum plan documents for rate information.

If you enroll in the Unum Critical Illness plan there is a $50 wellness benefit for each covered person per calendar year, when the covered individual completes their annual preventive wellness visit.

Coverage Level Coverage Amount*

Employee $5,000 - $30,000 in increments of $5,000

Spouse $5,000 - $15,000 in increments of $5,000

Child 50% of Employee coverage amount

*Please review your Unum plan documents for full plan details and limitations.

HOSPITAL INDEMNITY INSURANCE

Morgan Auto Group recognizes that a hospital admission and confinement can result in expenses, both foreseen and unforseen. That’s why through Unum you have the opportunity to enroll in a Hospital Indemnity Plan. This plan is designed to pay you directly when you need it most and the funds can be used however you choose: to help pay for Out-of-Pocket medical expenses like deductibles and coinsurance. To enroll in the Hospital Indemnity Plan an employee must be enrolled in the Medical Plan being offered by Morgan Auto Group.

Benefit Highlights*

Hospital Admission $1,000 per admission to a max of 1 admission per calendar year, per insured

Hospital Confinement $100 per day to a max of 60 days per calendar year, per insured

ICU Confinement $200 per day to a max of 15 days per calendar year, per insured

ER / Urgent Care Benefit $150

Pre-Existing Condition Limitation 6 month look back period, 12 month exclusion period*Please review your Unum plan documents for full plan details and limitations.

Semi-Monthly Deductions (24x Per Year) Hospital Indemnity Insurance

Employee $13.78

Employee + Spouse $27.89

Employee + Child(ren) $17.97

Employee + Family $32.08

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VOLUNTARY WORKSITE BENEFITS

ACCIDENT INSURANCE

Unum’s Accident Insurance is an indemnity plan that provides you and your family with hospital, doctor, Emergency Room, accidental death and catastrophic accident benefits in the event of a covered accident. These benefits can help with the unexpected Out-of-Pocket medical and non-medical expenses associated with an accident. Your Accident Insurance offers benefits for accidents on and off the job! Please refer to your Unum plan documents for full plan details, limitation and exclusions.

Benefit Highlights* Pay Out*

AmbulanceGroundAir

$400$1,500

Hospitalization BenefitsAdmission; orIntensive Care Unit Admission(Either Admission or Intensive Care Admission benefit is payable once per covered accident)

Confinement (per day up to 365 days per covered accident)Intensive Care Unit Confinement (per day up to 15 days per covered accident)

$1,000$1,500

$200$400

Emergency Room Treatment $150

Medical Imaging Test (MRI, MR, CT, CAT, EEG) $200

Fractures $75 - $7,500**

Burns (2nd degree and 3rd degree) $1,000 - $10,000**

Accidental Death EmployeeSpouse Child

$50,000$20,000$10,000

*Please review your Unum plan documents for full plan details and limitations. **Varies based on kind. See plan document for more details.

Semi-Monthly Deductions (24x Per Year) Accident Insurance

Employee $6.50

Employee + Spouse $10.58

Employee + Child(ren) $11.76

Employee + Family $15.84

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Morgan Auto Group is pleased to partner with UnitedHealthcare to offer Dental coverage this year. Your annual Open Enrollment period gives you the opportunity to enroll in one of three plans. Both PPO plans offer the choice of using either In-Network or Out-of-Network providers.

UNITEDHEALTHCARE DENTAL PLANS

CoverageDMO D1069

Network Name: Solstice S800BPPO 1 4P548

Network Name: Options PPO 30PPO 2 4P547

Network Name: Options PPO 30In-Network Only In-Network Out-of-Network* In-Network Out-of-Network*

DeductibleIndividual / Family

N/A

Calendar Year$50 / $150

Calendar Year$50 / $150

Maximum Annual Benefit Calendar Year $1,000 $1,000 $1,500 $1,500

Preventive See Fee Schedule 100% 100% After Ded. 100% 100%

After Ded.

Basic See Fee Schedule 80% After Ded.

50% After Ded.

80% After Ded.

80% After Ded.

Major See Fee Schedule 50% After Ded.

30% After Ded.

50% After Ded.

50% After Ded.

Orthodontia See Fee ScheduleCovered 50%

$1,000 Lifetime Maximum Child Only to age 19

Covered 50%$1,000 Lifetime Maximum

Child Only to age 19

*Plans with Out-of-Network benefits may require greater cost share (Deductible/Coinsurance) and charges may exceed the carrier’s “reasonable and customary” rate or “maximum allowable charge”, this may result in leaving the member paying the balance. Some plans do not cover claims from Out-of-Network providers. Please refer to the summary of benefits or contact the carrier to better understand Out-of-Network coverage.

Semi-Monthly Deductions (24x Per Year)

DMO PPO 1 PPO 2

Employee $5.76 $9.95 $17.53

Employee + Spouse $10.08 $22.02 $39.16

Employee + Child(ren) $12.49 $30.83 $49.86

Employee + Family $15.85 $42.92 $71.47

DENTAL BENEFITS

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VISION BENEFITS

Morgan Auto Group offers vision coverage through UnitedHealthcare. There is one plan to choose from. Visit an In-Network provider to access benefits for annual eye exams, prescription contacts, or lenses and frames. If you visit an Out-of-Network provider, you may be required to submit a claim to UnitedHealthcare to access your benefits.

UNITEDHEALTHCARE VISION PLAN F2985Network Name: UnitedHealthcare Vision

Coverage In-Network Out-of-Network Frequency of Benefits

Eye Examination $10 Copay Reimbursed up to $40 Once Every 12 MonthsEyeglass Lenses(Standard Plastic):SingleBifocalTrifocalLenticular

$25 Copay

Reimbursed:

up to $40up to $60 up to $80

up to $100

Once Every 12 Months

Eyeglass Frames $150 Allowance + 30% off Balance over $150 Reimbursed up to $70 Once Every 24 Months

Contact Lenses **Selection Contacts

Non-Selection Contacts

Up to 6 boxes(Fitting & Follow-up covered

at 100%)$150 Allowance

Reimbursed up to $150 Once Every 12 Months

Laser Vision Correction Discount Pricing Available N/A N/A

** If elective (in lieu of glasses coverage, outside the covered-in-full section)

Semi-Monthly Deductions (24x Per Year) UnitedHealthcare Vision PlanEmployee $3.18Employee + Spouse $6.36Employee + Child(ren) $6.04Employee + Family $10.38

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DISABILITY INSURANCE

SHORT-TERM AND LONG-TERM DISABILITY

Disability insurance provides income protection, should you become disabled due to a non-work-related illness or injury. Premiums are based on your age and salary and will be payroll deducted. Refer to your Unum plan and enrollment documents for rate sheets, premium calculation examples, and complete plan information.

Coverage Short-TermVoluntary (Employee Paid)

Long-TermVoluntary (Employee Paid)

Benefit Pays 60% of Average Salary 50% of Average SalaryMaximum Benefit $2,000 per Week $8,000 per MonthElimination Period 14 Days 180 DaysMaximum Benefit Period 24 Weeks Social Security Normal Retirement AgeEvidence of Insurability Late Entrants* Late Entrants*

Pre-Existing LimitationThe disability plans have a 3 month look back period. If you have been treated for an illness or injury 3 months prior to the effective date of the plan, benefits will not

be payable until 12 months after coverage begins.

*Late Entrants: A Late Entrant is anyone who enrolls in this disability plan more than 31 days after becoming eligible for the plan. Late Entrants may be subject to provide Evidence of Insurability.

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LIFE INSURANCE

BASIC GROUP LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE

Morgan Auto Group provides all benefit eligible employees with group term life and matching AD&D in the amount of $20,000 through Unum. Benefit reductions begin at age 65.

It is your responsibility to keep an updated beneficiary form on file.

VOLUNTARY TERM LIFE AND AD&D INSURANCE

Additional life and AD&D insurance is available for purchase on yourself, your spouse, and your child(ren) on a voluntary basis. Premiums are based on your age and the coverage amount selected and will be payroll deducted. See your Unum enrollment kit for employee, spouse, and child rate information. Refer to your Unum plan documents for complete benefit information.

Insured Available Increments Maximum Benefit Guarantee Issue

Employee $10,000 5 X Annual Earnings up to $500,000 $200,000

Spouse $5,000 100% of Employee election up to $250,000 $25,000

Child(ren) $1,000Age 14 days to 6 months: $1,000

Age 6 months to 20 (26 if full-time student): up to $10,000$10,000

WHOLE LIFE INSURANCE *NEW COVERAGE OFFERING*

Unum’s Whole Life Insurance plan provides the ability to give loved ones peace of mind and protect them from the financial impact of covered individual’s passing. Whole Life Insurance provides lifelong protection. Over time, Whole Life policies build cash value that grows tax-deferred and can be accessed during the covered individual’s lifetime.

Insured Available Increments Maximum Benefit

Employee $2,000 $300,000

Spouse $2,000 $75,000

Child(ren) $5,000 $50,000

Evidence of Insurability (health history questionnaire) may be required for enrollment in Whole Life insurance. Refer to your Unum plan documents for policy details.

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IT’S YOUR PERSONALIZED WELLNESS AND REWARDS PROGRAM.Getting healthier is easier – and lots more fun – with Go365™. When it comes to health and wellness, you have your own approach.One that works for you. Go365 makes it easier to get moving along your path with more ways to start, more Activities to unlock, andmore ways to rack up rewards.

UNLOCK ACTIVITIES.Go365 is all about you. You’ll receive Activities personalized to help you reach your health goals, no matter where you are on your journey to better health. Just unlock your Activities and earn Points for higher Status.

STAY INSPIRED.Getting healthier can be hard. Go365 makes it easier by connecting you to all the tools and resources you need to get there. Tracking your activity is a breeze – just connect your compatible apps or fitness devices and earn points for all your healthy activities.

EARN REWARDS.Making healthier choices is a lot more fun with Go365. The more you move up in Status, the more Bucks you can earn and spend on great items in the Go365 Mall. Plus, Bonus Bucks, surprise rewards, and monthly Jackpot drawings make getting healthy more fun!

MORE POINTS. HIGHER STATUS.Earning Points pays off big with higher Status levels. Get your spouse and kids involved too and see how fast you can move up in Status.

5,000One adult per policy

8,000One adult per policy

10,000One adult per policy

8,000combined two adults per policy

12,000combined two adults per policy

15,000combined two adults per policy

+3,000for each member18 years and older per policy

+4,000for each member 18 years and older per policy

+5,000for each member 18 years and older per policy

3 ways to get to Bronze

1. Complete at least one Health Assessment section online or on the Go365 App

2. Get a Biometric Screening3. Log a verified workout

HERE’S HOW MANY POINTS YOU NEED TO MOVE UP IN STATUSStart here and move up

BlueBronze

Silver

Gold

Platinum

GO365

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Platinum

Did you know? A Verified Workout is achieved with as little as 1,000 steps!!

Activate your Go365 Account & Begin to Enjoy REWARDS in ONE of three ways!

Log a Verified Workout Select “Quick Links” after signing into Go365.com or

access Settings in the Go365 Mobile App to review device

connections or search participating fitness facilities online under “Quick Links.”

Review our device compatibility grid and video

for more information to complete.

Rewards DAILY!

Complete your Health Assessment

Select “Go365 Health Assessment” from the

Go365.com or Go365 Mobile App dashboard to complete. Easily completed within 10

minutes! Rewards up to 1,250 points!

Get a Biometric Screening – Your BIGGEST Go365 Point

Earning Opportunity!! Select “Activities” after signing

into Go365.com > find “Biometric Screening” under the “Prevention” category > click “View details” for more

information to complete. Rewards up to 4,000 points!

Primary Care Physician

Visit the Mall on Go365.com or the Go365 Mobile App to redeem your rewards!

GO365 REWARDS

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FLORIDA QUIT PROGRAM

The goal of our healthcare program is to provide you and your insured family members with access to services that promote healthier lifestyles.

If you are a tobacco user, you already know that one of the best things you can do for your health is to quit smoking. Morgan Auto Group supports those efforts and has a program in place to help you take action.

DID YOU KNOW THAT QUITTING SMOKING IMPROVES YOUR HEALTH IMMEDIATELY?

• Your blood pressure lowers 20 minutes after your last cigarette.

• Your risk of heart attack decreases after 24 hours.• You may experience fewer colds, flus and fewer attacks if

you have conditions like asthma. • You are less likely to develop - Asthma - COPD (including bronchitis and emphysema) - Heart disease - Diabetes

The best thing is these benefits increase the longer you stay tobacco free. Aside from the health benefits you gain from quitting tobacco, you can also benefit your wallet.

The average smoker spends more than $1,800 per year on tobacco. For an employee making $30,000 per year, quitting smoking is like getting a 6 percent pay increase.

DID YOU KNOW?

Nearly 70% of smokers want to quit according to the CDC. 25% have attempted quitting, and 4% to 7% are able to quit smoking without medication or smoking cessation programs.

• Smoking cessation programs have successful quit rates ranging from 10% to 30%.

Join Morgan Auto Groups Smoking Cessation Program!

Employees can call the toll-free Florida Quit Line at 1-877-U-CAN-NOW (1-877-822-6669) to speak with a trained and certified Quit Coach who will help assess their addiction and help them create a personalized quit plan. They will receive proactive coaching sessions, self-help materials, and quit aids like nicotine replacement therapy (PATCHES – 2 weeks).

These services are available at no cost to tobacco users who are ready to make a quit attempt.

Highlights of the program include

• Proactive coaching sessions • Self-help materials • Free nicotine replacement therapy • Counseling and materials in English, Spanish and Haitian

Creole; translation services for all other languages and TDD service for the hearing-impaired.

• Personalized quit plan • Access to dedicated coach

Call and sign up for your smoking cessation program today. If you participate in this program and become smoke free, you will be able to enjoy a decrease in your monthly medical rates.

Go online to www.quitnow.net/florida or call 1-877-U-CAN-NOW (1-877-822-6669) to quit today.

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TELEMEDICINE

Use virtual visits when:

} Your doctor is not available

} You become ill while traveling

} You are considering visiting a hospital emergency room for a non-emergency health condition

Not good for:

} Anything requiring an exam or test

} Complex or chronic conditions

} Injuries requiring bandaging or sprains/ broken bones

Virtual VisitsAccess to care online at any time

When you don’t feel well, or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now, you don’t have to.

A virtual visit lets you see and talk to a doctor from your mobile device or computer without an appointment. Most visits take about 10-15 minutes and doctors can write a prescription*, if needed, that you can pick up at your local pharmacy. And, it’s part of your health benefits.

Conditions commonly treated through a virtual visitDoctors can diagnose and treat a wide range of non-emergency medical conditions, including:

• Bladder infection/ Urinary tract infection

• Bronchitis• Cold/flu

• Diarrhea• Fever• Migraine/headaches • Pink eye

• Rash• Sinus problems• Sore throat• Stomach ache

Access virtual visitsLog in to myuhc.com® and choose from provider sites where you can register for a virtual visit. After registering and requesting a visit you will pay your portion of the service costs according to your medical plan, and then you will enter a virtual waiting room. During your visit you will be able to talk to a doctor about your health concerns, symptoms and treatment options.

To learn more, login to myuhc.com

* Prescription services may not be available in all states.

Access to virtual visits and prescription services may not be available in all states or for all groups. Go to myuhc.com for more information about availability of virtual visits and prescription services. Always refer to your plan documents for your specific coverage. Virtual visits are not an insurance product, health care provider or a health plan. Virtual visits are an internet based service provided by contracted UnitedHealthcare providers that allow members to select and interact with independent physicians and other health care providers. It is the member’s responsibility to select health care professionals. Care decisions are between the consumer and physician. Virtual visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times or in all locations. Members have cost share responsibility and all claims are adjudicated according to the terms of the member’s benefit plan. Payment for virtual visit services does not cover pharmacy charges; members must pay for prescriptions (if any) separately.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

100-16667 6/15 © 2015 United HealthCare Services, Inc.

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STAY IN-NETWORKYou plan offers both In-Network and Out-of-Network benefits. However, it is less of a financial burden when you stay In-Network.

• UnitedHealthcare’s preferred laboratory provider is LabCorp. Utilize a LabCorp facility for the lowest, In-Network contracted rates. Lab work performed at a hospital or other laboratory may be subject to higher costs / deductible and coinsurance.

• Visit www.uhc.com to search for providers. Utilize UnitedHealthcare’s resources and tools to locate providers that are In-Network.

• Prior to your office visit, always verify if the provider is contracted In-Network.

ASK YOUR PHYSICIAN QUESTIONSBe inquisitive. These are examples of good questions to ask:

• Is there a generic alternative for this prescription?• Can this test be performed in your office versus a hospital or independent testing facility?• Is the lab or advanced imaging facility you’re recommending In-Network?• Are you applying a preventive code, rather than a diagnostic code, to my routine well visit?

KNOW A LITTLE ABOUT PHYSICIAN CODINGMiscoding procedures and visits is the number one reason for billing problems. If you go to the doctor for any type of preventive care, make sure the office codes it as such. Be aware there could be situations that start off as preventive that turn into diagnostic.

ORGANIZE YOUR HEALTHCARE INFORMATIONCreate a folder to ensure all your healthcare information stays together and take that folder with you to all appointments.• Include such items as: Summary Plan Descriptions (SPD), Explanation of Benefits (EOB), Bills & Receipts.

EMERGENCY ROOM VS. URGENT CARE FACILITYIf you have a life threatening emergency, please go straight to the Emergency Room. However, if you have a minor injury or experience an urgent situation that is NOT life-threatening, please consider going to an Urgent Care Facility. The Urgent Care Facility will: Save you money - Save you time - Help control future costs of health care for all employees.

SHOP FOR RX SAVINGS• Order brand name drugs through mail order prescription benefit to save on a 90-day supply.• Ask your physician for samples.• Visit these retail stores to save money on generic drugs:

COST-SAVING SUGGESTIONS

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CARRIER CONTACTS

Coverage Partner Phone / Website

Medicalwww.uhc.com(844) 333-7936

Mobile App Available: Health4Me

Health Savings Account (HSA)www.valleynationalbank.com

(727) 584-1100 Mobile App Available: Valley National Bank

Voluntary Worksite Benefits(Hospital Indemnity, Accident & Critical Illness Insurance)

www.unum.com(866) 679-3054

Dental www.myuhcdental.com(800) 445-9090

Vision www.myuhcvision.com(800) 357-0978

Disability Insurance www.unum.com(866) 679-3054

Life Insurance www.unum.com(866) 679-3054

401K

Adcock Financial GroupDarlene Landor (813) 935-4091 DLandor@adcockfinancial.com

Empower Retirement(855) 756-4738

www.empower-retirement.com

Morgan InsuranceINSURANCE SERVICES

info@morganinsuranceservice.com (844) 818-5550

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NOTES

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NOTES

This brochure and the plan charts contain the highlights of the benefit options available through the Morgan Auto Group’s package. They are intended to only be an overview to assist in your understanding the options that are available to you and some of the important terms that you need to consider. The charts are not intended to reflect all plan provisions. If there is a discrepancy within this booklet, the carrier plan documents will always prevail. For complete details, be sure to read all individual insurance option booklets and materials. That information is important to help you decide what choices are right for you. The Human Resources Department has all plan documents and summary plan descriptions available for your review. Remember to call Human Resources if you have any questions.