Your Employee Benefits

Four medical plans administered by WellNet Healthcare, with free EVO virtual care covered 100% on every plan:

• Base HDHP — PHCS/RBP network, $3,500 / $7,000 deductible, 30% coinsurance. Deductible and out-of-pocket costs are waived entirely when you use a WellNet Recommended Provider (after the IRS minimum deductible).
• Base Copay Plan —  PHCS/RBP network, everyday care by copay: $25 physician, $35 specialist, with a $3,500 / $7,000 deductible and 30% coinsurance for bigger services. Deductible and out-of-pocket costs are waived when you use a WellNet Recommended Provider (after the IRS minimum deductible). 
• Essential EPO — Cigna network, in-network only. Predictable copays: $25 physician, $35 specialist; $2,000 / $4,000 deductible.
• Complete Plan — Cigna network, the richest option: $1,000 / $2,000 in-network deductible, $0 specialist copay through WellNet Concierge, plus out-of-network coverage.

If you have access to group medical and prescription coverage through your spouse or domestic partner, the Spousal Advantage Plan reimburses your eligible out-of-pocket medical expenses — copays, coinsurance, and deductibles — at 100%, up to the Affordable Care Act out-of-pocket limits, with no premium deducted from your paycheck. A premium contribution reimbursement may also apply when your cost on the alternate plan exceeds what you would have paid here.

Enrollment requires waiving the New Motors medical plan and completing an attestation in your enrollment system. Certain alternate coverage doesn't qualify: Medicare, Tricare, Medicaid, exchange or individual policies, and HDHPs with active HSA contributions.

GAP is supplemental medical expense insurance that pays secondary to your medical plan — helping cover inpatient hospital stays, outpatient surgery, imaging (X-ray, MRI, CT, PET), ER and urgent care accident treatment, chemotherapy and radiation, and dialysis. Inpatient mental health and substance abuse treatment is included, with a $0 gap-plan deductible on both options:

• Low Option — up to $4,000 inpatient / $4,000 outpatient per year
• High Option — up to $6,000 inpatient / $6,000 outpatient per year

Two PPO options on the MetLife PDP Plus network, both covering dependents to age 26 and including 50% orthodontia for dependent children to age 19 with a $1,000 lifetime maximum:

• Low PPO — preventive 100% in-network, basic 70%, major 50%; $2,000 annual maximum
• High PPO — preventive 100%, basic 80%, major 50%; $5,000 annual maximum, with matching in- and out-of-network coverage

Two options, with exams, lenses, and frames refreshing every 12 months on both:

• Low PPO — Superior Vision network: $10 exam copay, $25 materials copay, lenses covered in full, up to $130 for frames or elective contacts
• High PPO — VSP Choice network: $0 exam copay, $10 materials copay, up to $155 for frames — plus both a contact and frame benefit rather than one or the other

Cash benefits paid directly to you when an accident happens:

• $200 emergency care treatment · $200 initial care visit · $225 diagnostic exam
• $275 major diagnostic exams (CT, MRI, PET, and more) · $1,750 air ambulance
• $1,000 hospital admission · $250/day hospital confinement · $2,000/day ICU admission
• $100 health assessment benefit once per 12 months

Cash benefits paid directly to you during a covered hospital stay, in two options — complications of pregnancy included, plus a $50 annual health screening benefit on both:

• Plan 1 (Low) — $500 hospital admission, $1,000 ICU admission, $150/day hospital, $300/day ICU
• Plan 2 (High) — $1,000 hospital admission, $2,000 ICU admission, $250/day hospital, $500/day ICU

Pairs with the Base HDHP medical plan. A Health Savings Account lets you set aside pre-tax dollars for qualified medical expenses — contributions, growth, and qualified withdrawals are all tax-advantaged, unused funds roll over year to year, and the account is yours even if you change jobs or retire.

2026 IRS limits: $4,400 single / $8,750 family, plus $1,000 catch-up at age 55+. Contribute through payroll or directly; funds sit in an FDIC-insured deposit account with optional mutual fund investing.

 Free all-in-one virtual care, covered 100% on every New Motors medical plan: 24/7 everyday and urgent care, virtual primary care, mental health support with talk therapy and medication management, and preventive care. Median wait for a Quick Care visit is about 5 minutes. 

Register at care.evohealth.com using the personal email address listed in ADP — not your work email — or call (844) 484-7362. Switching to EVO for primary care also includes a full genetic testing bundle with your wellness visit. 

All-in-one identity, financial, and device protection powered by Aura: alerts on threats to your identity, SSN, and online accounts; credit inquiry and bank transaction monitoring; VPN, safe browsing, and password manager; data-broker removal; and $5 million in identity theft insurance per adult member with 24/7/365 white-glove fraud resolution.

Monthly premium: $8.45 employee-only / $13.95 family

EmployeeConnect — 24/7 confidential support, guidance, and resources for you and your household at no cost, plus a 25% discount on services from attorney referrals. Call (888) 628-4824 or visit guidanceresources.com (username: LFGSupport, password: LFGSupport1).

Your Lincoln coverage also includes LifeKeys — free online will prep, grief counseling, and legal/financial sessions — (855) 891-3684, web ID LifeKeys — and TravelConnect for medical emergencies 100+ miles from home — (866) 525-1955, group ID LFGTravel123.

LifeTime Benefit Term with Long-Term Care — (855) 241-9891 · chubb.com

Life insurance that does double duty. It pays a cash benefit to your family if you pass away — money they can use for anything, like the mortgage, debt, or everyday bills.

You can also use it while you're living: if you ever need long-term care like home health care, assisted living, or nursing home care, the plan pays you 4% of your death benefit every month for up to 25 months, and your premiums are waived while you're receiving it. Extended care benefits can continue up to 50 additional months beyond that.

• Your rate is locked in and will never increase
• Keep your coverage if you change jobs or retire
• Coverage available for your spouse, children, and dependent grandchildren

Cash if it happens, and expert guidance the whole way. If you're diagnosed with cancer, this plan pays you $15,000 in cash — $5,000 at diagnosis and two $5,000 recovery payments over the following year — to spend however you need, on top of any other insurance you have.

It also includes genetics-based cancer support through healthŌme:

• At-home genetic screening to understand your inherited cancer risk
• A dedicated oncology nurse advocate
• Clinical trial search and enrollment help, plus expert review of your treatment plan
• Recurrence monitoring for up to three years after treatment

No medical questions to enroll, and it's HSA-compatible.

Eligibility: full-time employees working 30+ hours per week. New hires are effective the first of the month following 30 days (managers) or 60 days (full-time employees) after date of hire.

Making changes: elections are locked for the plan year unless you have a qualifying event — marriage or divorce, birth or adoption, a change in a child’s dependent status, a death in the family, or a change in employment status or other employer coverage. You must notify Human Resources within 30 days of a qualifying event.

Dependents: your spouse; children to age 26 (natural, step, adopted, or legal guardianship); and unmarried children over 26 who cannot support themselves due to disability.