benefits nho - rev 071411

Report
Welcome To Our
 Medical
 Wellness Program
 Dental
 Vision
 401(k)
 Disability
 Life
Insurance
 Flexible Spending Account
 Healthcare and Dependent care
 Wellness
Grants and Wellness Challenges
 WhiteGlove (AZ and TX employees only)
For more information about Benefits:

Visit the Benefits website at:
www.drivetimebenefits.com

or
Visit our DASH portal:
DASH/Corporate/Benefits



Benefits Plan Year is
effective January 1 –
December 31, 2011
New hires have 60
days from hire date to
enroll in benefit
elections i.e.
“New Hire Window”
Instructions to enroll
and confirm are
posted on the Benefits
website at
www.drivetimebenefits.com
Hint: Enroll in Benefits as soon as you can, your first 60 days goes
by fast! This is your only opportunity to elect benefits (other than
during Open Enrollment/Life Status Change).
Hint: You will only need to submit your Wellness Steps if you plan
to elect Medical coverage and choose to participate in the Wellness
Program.
•
•
Log into Self Service
You can log in from DASH or from home through the Benefits Website
www.drivetimebenefits.com
•
Detailed instructions can be found on the Benefits website under “Enrollment”
at www.drivetimebenefits.com
•
When you are finished, CONFIRM YOUR ELECTIONS AND PRINT YOUR
CONFIRMATION PAGE. We advise you to keep this confirmation page for your
records
Please note: “SAVING”
is NOT the same as
“CONFIRMING” your
elections. If you make
changes and do not
hit the CONFIRM
button, your changes
will not be effective.

Medical – United Healthcare
◦ Medical is the only carrier to issue an insurance card.


Dental – MetLife
Vision – VSP
◦ Dental & Vision coverage accessed by providing SSN
when you make appointment with your doctor.
CO-PAY
Set amount one pays to go to the doctor, urgent care or
emergency room
•For example = $25 for a primary care doctor visit
DEDUCTIBLE
Amount of money you pay before your insurance starts to
pay
•For example; currently = $500 Individual / $1,000
Family
•This is over and above any co-pays
CO-INSURANCE
Money you have to pay for health services after you have
paid the deductible and co-pays
•For example = 80/20 split
OUT-OFPOCKETMAXIMUM
Out-of-pocket-maximum is the most you have to pay in
deductibles and co-insurance for covered health services
during the plan year. This does not include co-pays.
•For example; currently = $3,000 Individual / $6,000
Family

What’s covered?
◦ Download and read Summary Plan Descriptions at
www.drivetimebenefits.com


Click on Summary Plan Descriptions!
What are the bi-weekly premium rates?
◦ Rate available to view on
www.drivetimebenefits.com


Would you like to save $1,200 on your
Medical insurance?
Wellness Program premium discounts are
divided into three tiers based on completion
of Wellness Steps and meeting minimum
Wellness Biometric standards. You must
complete all steps to be
in the Wellness Program.

Step 1 – Biometric Testing
◦ Your results from your biometric testing could
impact the your wellness rate:
 Blood Pressure, BMI, Cholesterol

Step 2 – Complete Online Health Risk
Assessment

Step 3 – Annual Physical

Step 4 – Wellness Coaching (if needed)
2011 Wellness Program Requirements
Biometric Testing
Within 60 day after your medical coverage is effective
Online Health Risk
Assessment (HRA)
Within 60 days after your medical coverage is
effective
Annual Physical
Due by December 15, 2011
Wellness Coaching
Employee identified as “high risk” due to health risk
factors tested for during Biometric testing process
must participate in Wellness Coaching or be subject
to removal from the Program. If you are contacted by
United HealthCare, you will need to comply.
No Smoking
At home or work
Failure to comply with Wellness Program requirements will result in removal from the Wellness Program.
In addition to our Wellness Program
mandatory 1-2-3 steps, we also consider
three risk factors to determine what your
medical insurance premium will be.
Wellness 2.0 is based on the following risk factors:
Blood
Pressure
Wellness
2.0
Body Mass
Index (BMI)
Cholesterol
The Wellness Program medical premium rates will be based on
our tiered system:
 Three Tiers:
◦ 1 - Meet all 3 tier requirements = biggest discount
◦ 2 - Meet 2 of 3 tier requirements = smaller discount
◦ 3 - Meet 1 or less of tier requirements = no discount

Below is an example of possible combinations in each tier:
TIERS
BMI
BP
CHOLESTROL
1
Pass
Pass
Pass
2
Pass
Pass
Does Not Meet
3
Pass
Does Not Meet
Does Not Meet
PLEASE NOTE: If you cover your spouse, your spouse must meet the DT Requirements
as well. Coverage will default to the lower tier if spouses are not equal. For example, if
the employee meets all 3 tiers but the spouse only meets 2 requirements, the rate will be
at the 2 tier rate.
Exceptions and Wellness 2.0
◦ Any employee or spouse who has a medically
certified reason for not being able to comply with any
of the Wellness 2.0 requirements (blood pressure,
BMI and/or cholesterol) should review the medical
exception form on the Benefits website to take to
your physician.
◦ For BMI only, we are allowing a 6 month check (after
your initial Biometrics screen) to be completed by
your physician showing your progress for working
towards getting your BMI closer to the pillars we have
set forth.
◦ Complete details and forms for Wellness 2.0 can be
found on the Benefits website at
www.drivetimebenefits.com
Save some bucks in the Wellness Program!
The Wellness Program is completely voluntary.
If you do not wish to participate, you are still eligible for
medical insurance at the Non-Wellness rates.
Did you know our
Wellness program has
been around since 2005!




Beginning on January 1, 2011, DriveTime is a
tobacco free campus. This includes any and all
tobacco related products.
Only customers are permitted to use any tobacco
related products at any DriveTime facility/property.
All participants in a 2011 Wellness Program are not
permitted to smoke, at home or work for the 2011
Plan Year.
Anyone who needs to remove themselves from the
Wellness Program for not complying will need to
contact the Benefits Department.
Will you be adding Dependents to your benefits?
We require documentation for all newly added dependents to our
medical, dental and/or vision plans.
◦
Documents you can submit include birth certificates, marriage licenses,
tax records, etc. Full details can be found on the Benefits website at:
www.drivetimebenefits.com
◦ Employees who elect to cover dependents on their medical plan must
provide the necessary documents to prove their dependents are
eligible
◦ You have until your benefits are effective (60 days from hire date) to
submit documents
◦ Failure to comply with this step will mean your dependents will be
removed from your coverage!
◦ Benefits fraud will not be tolerated and could result in termination!

Beginning in 2011, Medicare is requiring all
dependents who have medical coverage to have a
SSN on file with any medical plan option.
◦ If you are planning to add dependents to your medical coverage,
please enter their SSN when adding in Self Service
◦ For any dependents with no SSN number, please contact the
Benefits Department as soon as possible



You may participate in our 401k Plan at any
point in time after your 61st day of
employment.
We offer a 40 cent match up to the first 6% of
you invest.
Enroll online or by phone with Fidelity
Short Term Disability (STD) & Long Term Disability (LTD)
• This is offered as a “combo” where DriveTime will pay for
your STD if you pay for your LTD.
•
•
•
Rates for this combo will vary for each employee as it is
based on pay.
If you elect as a NEW HIRE, you are not subject to any
pre-existing provisions like you will be if you elect later
on during an Open Enrollment period.
Think of STD/LTD as insurance for your paycheck; pays
60% with a 14 day waiting period.
DriveTime is paying a FREE Life Insurance policy for you.
 Be sure you enter your beneficiaries when you enroll for
your benefits.

You may also purchase additional amounts of insurance
for:
◦
Yourself
◦
Your spouse
◦
Your dependents
NOTE: As a new hire, if you elect additional life insurance
coverage for you or your spouse, you will NOT be subject to
pre-existing provisions like you will be if you elect the options
at a later time. Up to $30K, you do not need to complete the
Evidence of Insurability (EOI) for your spouse.



Even if you do not elect ANY benefits with
DriveTime, you still receive a FREE Life
Insurance policy.
It is important you enter beneficiaries in Self
Service so we have record of your wishes.
You may enter your Beneficiary Information at
anytime through ADP Self Service.
Enter
Beneficiaries
for Basic Life
and
Supplemental
Life. You can
designate
Primary and
Contingent
Beneficiaries
for your
policies.

Flexible Spending Account (FSA)
One of the only times the IRS will let you have tax free
money!
◦ Two Options
 Healthcare
 To be use for health related expenses (co-pays, prescriptions, dental work,
eyeglasses, etc)
 $3,000 Annual Maximum
 Dependent Care
 To be used for dependent care expenses
 $5,000 Annual Maximum
◦ Complete information can be found on the Benefits website at
www.drivetimebenefits.com
THIS IS A USE OR LOSE FEATURE – PLAN ACCORDINGLY
A Wellness Grant is a program where you can
apply for $100 for various health related items
◦ Gym membership fees, athletic apparel, shoes, even
the Wii Fit!
◦ $100 Grant awarded annually for health related items
◦ Eligible to apply after 90 days of employment and you
must be in the Wellness program (Tier 1 or 2).
◦ Want to learn more about Wellness Grants?
Visit DASH/Corporate/Benefits/Health & Wellness
 Annual, company-wide Wellness promotion events and
challenges sponsored by the Benefits Department
 May 1, 2011 – Company-wide 5K Walk-a-Thon for Lou
Gehrig’s Disease Research

◦
◦

Email us:
Are you at work?
Use Outlook and email
“Benefits Service Request”
Are you at home?
You can use any site and
email us at
[email protected]
Visit us:
www.drivetimebenefits.com
The more information (phone number, issue or
problem) employees or managers share in the
email, the better we are able to help.
It is not helpful to have an email which states, “I
need your help with my benefits.”
A better email would say, “I do not have my
medical insurance card. Can you please call me
at 480-123-4562, my employee ID is XXXXX?”
The response to emails will come from
“Service Request Notification”.
This shows our response to the
email/ticket.


Please stay on the call for additional
information about WhiteGlove Healthcare.
All other states do not have this coverage at
this time.
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 Employees of AZ and TX are currently eligible
 Automatic enrollment if you elect our Medical benefit
 WhiteGlove follows the same effective date as your Medical
benefit (61st day of employment)
 Schedule an appointment from 8 a.m. to 8 p.m., 365 days a
year, even during major holidays!
 See a Nurse Practitioner at work or at home
 $35 co-pay per visit, membership fee is paid by DriveTime,
WhiteGlove will also bill UHC for other services (labs, Rx, etc.)

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