Open Enrollment: November 16–20, 2026

WellNet Healthcare Medical — three plans on the PHCS/Open Network.

All three plans list preventive care, physician visits, convenience care clinics, and Teladoc telehealth as covered 100%. Specialist visits have a $20 copay and urgent care has a $50 copay.

Each plan includes an HRA benefit of $750 individual / $1,500 family. The booklet shows the following deductible and out-of-pocket amounts after the HRA.

• Bronze $5,000 Ded Plan: $5,000 / $10,000 deductible ($4,250 / $8,500 after HRA); 20% member coinsurance; $6,500 / $13,000 out-of-pocket maximum ($5,750 / $11,500 after HRA); emergency room 20% after deductible; prescriptions $0 / $35 / $60 / 30% after deductible.
• Gold $2,500 Ded Plan: $2,500 / $5,000 deductible ($1,750 / $3,500 after HRA); 10% member coinsurance; $5,000 / $10,000 out-of-pocket maximum ($4,250 / $8,500 after HRA); emergency room $500 copay; prescriptions $0 / $35 / $60 / 30% after deductible up to $500 maximum.
• Platinum $1,000 Ded Plan: $1,000 / $2,000 deductible ($250 / $500 after HRA); 0% member coinsurance; $4,000 / $8,000 out-of-pocket maximum ($3,250 / $6,500 after HRA); emergency room $500 copay; prescriptions $0 / $35 / $60 / specialty $500.

Dependent children are covered to age 26, with coverage ending at the end of the calendar year. Review the plan documents for complete benefits and limitations.

Humana Dental — two PPO options on the PPO/Traditional Preferred network

• Dental PPO Low: $50 individual / $150 family calendar-year deductible (waived for preventive) · $1,500 annual maximum · preventive 100%, basic 80%, major 50% · no orthodontia
• Dental PPO High: $50 individual / $150 family calendar-year deductible (waived for preventive) · $3,000 annual maximum · preventive 100%, basic 90%, major 60% · orthodontia 50% for adults and children to age 19, $1,500 orthodontia maximum

Three cleanings every 12 months on both plans. Endodontics, periodontics, and oral surgery are classified as basic services; implants are major. Out-of-network claims are reimbursed at the 90th percentile of usual and customary charges. Register at Humana.com to view your ID card, claims, and find a dentist.

Dependent children are covered to age 26; coverage ends at the end of the month of their birthday.

Humana Vision — Humana Insight Network.

• Exam and materials: $10 copay each.
• Frequency: exams, lenses, and frames every 12 months.
• Lenses: single, bifocal, and trifocal covered in full after copay.
• Frames: $160 allowance; $210 at a PLUS Provider. Elective contacts: $160 allowance.

Dependent children are covered to age 26, with coverage ending at the end of their birthday month. The guide includes instructions for finding a network provider.

Mutual of Omaha Life & AD&D — employer-paid basic coverage plus voluntary buy-up

Basic Life & AD&D (paid by Hoffman Auto Group): $25,000 for all full-time employees eligible for benefits. Benefits reduce to 65% at age 65 and 50% at age 70.

Voluntary Life:

• Employee: $10,000 increments up to 5x annual salary, maximum $500,000 · guarantee issue $150,000 at initial enrollment
• Spouse: $5,000 increments up to 100% of your elected amount, maximum $100,000 · guarantee issue $35,000 at initial enrollment · coverage ends when you reach age 70
• Child(ren): $10,000 from 14 days old to age 26 (full-time student) · you must elect employee coverage to enroll children

Increases at a later Open Enrollment require health questions or an exam. Voluntary benefits reduce to 65% at age 65 and 50% at age 70. Includes Living Care / Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion.

Mutual of Omaha Voluntary Short-Term Disability — income protection for shorter absences

• Benefit: 60% of weekly salary, up to $2,000 per week
• Elimination period: 7 days accident / 7 days sickness
• Benefit duration: 25 weeks
• Pre-existing condition period: 3 months / 6 months

You must be a permanent employee regularly scheduled to work at least 30 hours per week and actively at work on the coverage effective date. Coverage begins the first of the month following your waiting period.

Mutual of Omaha Voluntary Long-Term Disability — income protection for extended disabilities

• Benefit: 60% of monthly salary, up to $10,000 per month
• Elimination period: 180 days
• Benefit duration: reducing benefit duration or Social Security normal retirement age
• Own occupation: 24 months
• Pre-existing condition period: 3 months / 12 months

Mutual of Omaha Group Accident pays specified benefits for covered on- and off-the-job accidents, in addition to other coverage.

• Hospital admission: $2,000.
• ICU confinement: the guide lists $400 (365 days).
• Hospital confinement: the guide lists $800 (15 days).

Benefits can also apply to covered fractures, dislocations, ambulance services, medical expenses, and other listed injuries and services. Review the policy for payment frequency, limits, and applicable health screening benefits.

Mutual of Omaha Group Critical Illness — a lump-sum payment after a covered diagnosis

Pays a cash benefit directly to you after a covered diagnosis, to use for expenses health insurance may not cover.

• Employee: $10,000 or $20,000
• Spouse: $10,000 or $20,000 (must be less than or equal to the employee amount)
• Child(ren): 50% of the employee amount, up to $10,000 · from birth to age 26

Review the guide and policy for applicable health screening benefits, limits, and exclusions.

Mutual of Omaha Group Hospital Indemnity — cash to help with the costs of a hospital stay

• Admission: $1,000 hospital / $2,000 ICU
• Daily confinement: $100 hospital / $200 ICU

Benefits are paid directly to you and can be used for medical bills, deductibles, or daily living expenses while you recover. Includes a health screening benefit that pays cash for covered preventive screenings each calendar year.

MetLife Legal Plans — a network of attorneys for a monthly payroll deduction

You, your spouse, and your dependents get legal help for the most frequently needed personal matters, with no copays, deductibles, or claim forms when you use a network attorney for a covered matter. For non-covered matters that are not otherwise excluded, the plan provides a combined maximum of four hours of network attorney time per year for you, your spouse, and qualified dependents.

• Money matters: debt collection defense, identity theft defense, personal bankruptcy, tax audit representation
• Home & real estate: sale or purchase of a home, mortgages, refinancing, eviction defense, tenant negotiations
• Estate planning: simple and complex wills, living wills, powers of attorney, trusts
• Family & personal: adoption, name change, divorce (20 hours), guardianship, immigration assistance, review of any personal legal document
• Also: civil lawsuits, elder-care issues, traffic tickets (not DUI)

Create an account at members.legalplans.com to see your coverages, choose an attorney, and use the self-help document library, which is available even if you do not enroll.

MetLife Pet Insurance — help with vet bills for your dogs and cats

Covers accidental injuries, illnesses, exam fees, surgeries, medications, ultrasounds, hospital stays, X-rays and diagnostic tests, plus hip dysplasia, hereditary and congenital conditions, chronic conditions, alternative therapies, and holistic care. Pre-existing conditions may not be covered.

Get a quote or enroll at metlife.com/getpetquote.

Employee Benefits Corporation Flexible Spending Account helps you pay eligible out-of-pocket health care expenses.

• 2027 maximum contribution: $3,500.
• Carryover: up to $700.
• The guide requires a minimum $100 contribution election for 2027 to be eligible to carry funds into 2028.
• If you continue enrollment, you keep your current card; a new card is not issued.

Use the EBCentral app to review account details and submit claims, receipts, or other requested documentation.

Employee Benefits Corporation HRA — each Vermont medical plan includes a benefit of $750 individual / $1,500 family. See the medical summaries for the booklet’s deductible and out-of-pocket amounts after HRA.

Present your medical insurance card when receiving care. After your insurer issues an Explanation of Benefits (EOB), follow your HRA plan’s instructions to submit eligible claims online or through EBCentral with the required EOBs. Respond to requests for itemized bills or other documentation.

Eligible expenses and reimbursements depend on your company’s HRA plan design. Review your Summary Plan Description and the guide’s HRA instructions.

Teladoc — talk to a doctor for $0, anytime, by phone or video

Set up your account to talk to a U.S.-licensed physician for non-emergency conditions like the flu, sinus infections, and bronchitis. Request a time, a Teladoc doctor contacts you, diagnoses your symptoms, and sends a prescription if needed.

Create your account by phone, on the Teladoc app, or at Teladoc.com and complete your medical history before your first visit.

Express Scripts provides prescription tools, including medication pricing, digital ID cards, pharmacy searches, and home-delivery information. Prescription cost-sharing depends on your selected medical plan.

SaveOnSP offers copay assistance for eligible specialty medications. To receive the reduced cost, complete the assistance enrollment process and consent to pharmacy-account monitoring. Choosing not to participate can result in higher coinsurance.

Review the guide and your plan materials for eligible medications and instructions. The example costs in the SaveOnSP flyer are illustrative, not your personal prescription price.

MetLife Identity & Fraud Protection powered by Aura — proactive protection from identity theft, scams, and cybercrime

• Identity theft & financial fraud protection: three-bureau credit monitoring and alerts, credit and bank account freeze, dark web monitoring, and a $5 million identity theft insurance policy per adult
• Scam & cybercrime prevention: Wi-Fi security VPN, antivirus, password manager, data broker removal, and call, text, and email scam protection
• Smart family safety (family plans): unlimited dependent minors and up to 10 adults, each with their own full-feature Aura account
• Services & reimbursement: 24/7 US-based support, white glove fraud resolution, and a $50,000 cyber insurance policy

Review the featured Payroll Deductions document for employee costs.

Mutual of Omaha EAP, Travel Assistance & Will Preparation — no-cost support included with your Mutual of Omaha coverage

Employee Assistance Program (EAP): confidential help for you and your eligible dependents with personal or job-related concerns, including emotional well-being, family and relationships, and legal and financial matters. EAP professionals are available 24 hours a day, seven days a week, with three face-to-face sessions and a robust network of licensed mental health professionals.

Travel Assistance: 24/7 worldwide access to local medical referrals, pre-trip assistance, identity theft protection, and emergency travel support for you, your spouse, and dependent children on any trip up to 120 days and more than 100 miles from home.

Will Preparation by Epoq: free, secure online preparation of a Last Will & Testament, Power of Attorney, Healthcare Directive, and Living Trust at willprepservices.com with code MUTUALWILLS.

2027 Open Enrollment: November 16–20, 2026. Enrollment is passive this year, but you are encouraged to review your benefits.

How to enroll: review or change your benefits in Paycom from the Benefits tile, or schedule a phone appointment with a benefits counselor at HoffmanAutoGroup.MyBenefitsAppointment.com or call (844) 738-0003, Monday–Friday, 8:00 a.m.–5:00 p.m. EST. When completing enrollment in Paycom, review each plan and your final selections before you Sign and Submit. Have Social Security numbers and dates of birth ready for any dependents you are adding.

Eligibility: full-time employees working 30 or more hours per week. New hires are eligible the first of the month following 30 days from the date of hire. Eligible dependents are your spouse, children to age 26, and unmarried children over 26 who cannot support themselves due to a disability.

Qualifying events: outside Open Enrollment, you can only change elections within 30 days of a qualifying event such as marriage, divorce, birth or adoption, a change in employment status, or a change in coverage under another employer plan. Add the event in Paycom under Qualifying Events with supporting documents, and notify Human Resources at benefits@hoffmanauto.com.

Pre-tax premiums: health, dental, vision, and certain supplemental premiums are deducted before taxes under the Section 125 cafeteria plan, which is why mid-year changes are limited to qualifying events.

Virtual care: the medical plans list Teladoc telehealth as covered 100%. Review your benefit guide for plan details and instructions for accessing care.