Plan Year: February 1, 2026 – January 31, 2027
Action required this year.
Hello and welcome! We are excited to have you as part of Atlantic Coast Automotive. We understand that choosing your benefits is an important decision for you and your family. Everyone’s needs are unique. We offer a variety of benefits and options so you can choose what works best for you and your family. We created this website to help you make informed decisions.
Atlantic Coast Automotive is committed to providing strong, sustainable health coverage. For 2026, medical premiums are flat, plan options remain the same, and free telemedicine through Sam by UCM Digital Health is included with every medical plan.
Three medical plans through WellNet Healthcare. All plans include free Sam by UCM telemedicine, and the Essential and Complete plans waive deductible/out-of-pocket when using WellNet Recommended Providers.
| Feature | Base HDHP | Essential | Complete (In-Net) | Complete (Out-of-Net) |
|---|---|---|---|---|
| Network | PHCS/RBP | PHCS/RBP | Cigna | Cigna |
| Deductible | $3,500 / $7,000 | $2,000 / $4,000 | $1,000 / $2,000 | $6,000 / $18,000 |
| Out-of-Pocket Max | $9,000 / $18,000 | $9,000 / $18,000 | $5,000 / $10,000 | $15,000 / $30,000 |
| Coinsurance | 30% | 30% | 20% | 50% |
| Primary Care | 30% after ded | $25 copay | $25 copay | 50% after ded |
| Specialist | 30% after ded | $35 copay | $0 copay | 50% after ded |
| Urgent Care | 30% after ded | $150 copay | $150 copay | 50% after ded |
| ER | 30% after ded | $500 copay | $400 copay | |
| Rx (Gen/Pref/NonPref/Spec) | Ded then $10/$65/$90/$250 | $10/$65/$90/$250 | $10/$65/$90/$250 | Not Covered |
WellNet Concierge: 800-915-9497 — coordinate imaging, outpatient, and inpatient procedures for $0 copay/$0 deductible.
Sam by UCM Digital Health — 24/7 virtual care included free with every medical plan. (844) 484-7362 · sambyucm.com
MetLife Dental PPO — (800) 438-6388
| Benefit | Low PPO In-Net | Low PPO Out-of-Net | High PPO In-Net | High PPO Out-of-Net |
|---|---|---|---|---|
| Preventive | 100% | 60% | 100% | 100% |
| Basic | 70% | 40% | 80% | 80% |
| Major | 50% | 15% | 50% | 50% |
| Deductible | $50/$150 | $100/$300 | $50/$150 | $50/$150 |
| Annual Max | $2,000 | $2,000 | $5,000 | $5,000 |
| Ortho (child to 19) | 50% / $1,000 lifetime | 50% / $1,000 lifetime | ||
MetLife Vision — (833) 393-5433 (Superior) · (855) 638-3931 (VSP)
| Benefit | PPO Low | PPO High |
|---|---|---|
| Network | Superior Vision | VSP Choice |
| Exam Copay | $10 | $0 |
| Materials Copay | $25 | $10 |
| Frame Allowance | Up to $130 | Up to $155 |
| Contacts (elective) | Up to $130 | Up to $155 |
| Frequency | 12 months | 12 months |
Lincoln Financial — (800) 423-2765
$50,000 for all full-time employees. Reductions: 35% at age 70, 50% at age 75; terminates at retirement.
Includes Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion.
Lincoln Financial Voluntary Disability — (800) 423-2765
PNC BeneFit Plus HSA — paired with the Base HDHP. (844) 356-9993
PNC BeneFit Plus Health Savings Account (HSA) — Available with the Base HDHP Plan. 2026 contribution limits: $4,400 single / $8,750 family. Age 55+ can contribute an additional $1,000 catch-up. Your HSA is triple tax-advantaged, portable, and rolls over year to year.
Spousal Advantage Plan (Catilize Health) — If your spouse has access to group medical coverage through their employer, enroll in that plan and Atlantic Coast Automotive will reimburse 100% of eligible co-pays, coinsurance, and deductibles up to ACA out-of-pocket limits — plus reimburse premium contributions up to monthly maximums. Contact Catilize Health at 877-872-4232.
Catilize Health Spousal Advantage Plan — (877) 872-4232
If your spouse has employer coverage, enroll there and Atlantic Coast reimburses 100% of eligible copays, coinsurance, and deductibles up to ACA limits ($10,600 single / $21,200 family). No premium deducted from your paycheck, plus premium-contribution reimbursement up to $200–$500/month depending on tier.
Not eligible if alternate coverage is HDHP with active HSA contributions, Medicare/Tricare/VA/Medicaid, ACA marketplace, or limited benefit plan.
OptiMed Health GAP — 1-800-836-6036
| Plan | Deductible | Inpatient Max | Outpatient Max |
|---|---|---|---|
| Low | $0 | $4,000 | $4,000 |
| High | $0 | $6,000 | $6,000 |
Mental health/substance abuse included on both plans.
Lincoln Financial Hospital Indemnity
| Benefit | Plan 1 (Low) | Plan 2 (High) |
|---|---|---|
| Hospital Admission | $500/yr | $1,000/yr |
| ICU Admission | $1,000/yr | $2,000/yr |
| Hospital Confinement | $150/day | $250/day |
| ICU Confinement | $300/day | $500/day |
| Health Screening | $50/yr | $50/yr |
Complications of pregnancy included on both plans.
Lincoln Financial Accident Insurance
Lincoln Financial Critical Illness
Covered conditions paid at 100% of benefit unless noted: Invasive Cancer, Heart Attack, Stroke, ALS, Advanced Alzheimer's, Advanced Parkinson's, MS, Benign Brain Tumor, End-Stage Renal Disease, Major Organ Failure, Permanent Paralysis. Non-invasive cancer & arterial/vascular disease at 25%; skin cancer $250 (1x lifetime). Health screening: $100/yr.
MetLife Legal Plans — Employee & Family: $20.25/month · (800) 821-6400 · members.legalplans.com
Network attorneys for estate planning, home sales, family matters, civil lawsuits, elder-care issues, traffic, debt collection defense, identity theft, tax audits, and more. No copays, deductibles, or claim forms with a network attorney.
MetLife · Aura Identity & Fraud Protection — (844) 931-2872
$5M identity theft insurance per adult, financial fraud monitoring, VPN/Wi-Fi security, password manager, 24/7/365 support, white-glove resolution.
MASA Medical Transport Solutions — $14/month · (800) 643-9023
$0 out-of-pocket for emergency air & ground ambulance, non-emergency inter-facility transport, and repatriation/recuperation (100+ miles from home). U.S. and Canada coverage regardless of network.
Spot Pet Insurance — (833) 343-2340 · spotpet.link/atlanticcoastauto
Accident, illness, and optional preventive coverage. Customizable annual limit, deductible, and reimbursement rate. Visit any vet in U.S. or Canada. 10% employee discount, 24/7 pet telehealth.
Additional voluntary coverage through Lincoln Financial and MetLife:
Employee Assistance Program (Employee Connect) — 24/7 support for life's challenges through Lincoln Financial. Call 888-628-4824. User: LFGSupport / Password: LFGSupport1.
TravelConnect — No-cost travel assistance when you're 100+ miles from home. Call 866-525-1955, Group ID: LFGTravel123.
LifeKeys — Free will preparation, ID theft assistance, grief counseling, and memorial planning for insured employees and dependents. Call 855-891-3684.
Plan summaries, forms, and resources for your reference.
Full-time employees working 30 or more hours per week are typically eligible for benefits. Eligible dependents generally include your spouse, children under 26 (natural, step, adopted, or under legal guardianship), and adult children over 26 who are unable to support themselves due to disability.
Changes to benefit elections outside of open enrollment require a qualifying life event reported to HR within 30 days:
The current plan year is February 1, 2026 – January 31, 2027. If you're a current eligible employee, your coverage continues throughout the plan year. If you're a new hire, your benefits start after your applicable waiting period of 60 days, and coverage is then effective on the first of the month. See the New Hires section for details on what you'll need to enroll.
If you miss your initial enrollment window, you'll need to wait until the next Open Enrollment — or experience a qualifying life event (marriage, birth, etc.) within the past 30 days. Outside of those windows, mid-year benefit changes generally aren't allowed.
Most carriers offer ID cards through their member portal or mobile app within a few weeks of your enrollment. You can also reach out to the carrier directly using the contact information in the Carrier Directory. If you can't locate yours or have questions, contact your Benefits Team for help.
When your employment ends, your benefits will continue through the end of your termination month or until the date specified by your plan. You may be eligible to continue coverage through COBRA — your HR team will provide details and election forms. Reach out to your HR team for plan-specific information.
For claims questions, contact your carrier directly using the phone number in the Carrier Directory. For help understanding your benefits, deductible status, or what's covered, your Benefits Team can also assist.
Full-time employees working 30 or more hours per week are eligible for benefits upon satisfying the applicable waiting period of 60 days. Coverage is effective on the first of the month following the end of your waiting period.
You have 30 days from your benefits eligibility date to enroll. Missed deadlines require waiting until next open enrollment or a qualifying life event.
Your dedicated enrollment support
| Name | Phone | |
|---|---|---|
| Zoe De La Luz | Zoe@atlanticcoastautomotive.com | (305) 558-1400 ext. 11818 |
| Kary Morrell | Kary@atlanticcoastautomotive.com | (305) 558-1400 ext. 11846 |
| Jonathan Sandoval | jonathans@atlanticcoastautomotive.com | (305) 779-7548 |
| Gerry Mendez | gerry@atlanticcoastautomotive.com | (772) 461-6000 ext. 81122 |
| Lisa Hull | lisa.hull@wayneakers.com | (561) 540-9688 |
No carriers match your search.
WellNet Concierge
Concierge
(800) 915-9497
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Sam by UCM
Telemedicine
(844) 484-7362
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WellNet Healthcare
Health Advocate
(267) 348-3492
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CVS Caremark
PBM
(833) 840-8995
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MetLife Vision (Superior)
Vision
(833) 393-5433
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MetLife Vision (VSP)
Vision
(855) 638-3931
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MetLife Dental
Dental
(800) 438-6388
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PNC BeneFit Plus
HSA
pncbenefitplus@healthaccountservices.com
(844) 356-9993
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Catilize Health
Spousal Advantage
memberservices@catilizehealth.com
(877) 872-4232
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Lincoln Financial
Life/AD&D, STD/LTD, Hospital Indemnity, Accident, Critical Illness
(800) 423-2765
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OptiMed Health
GAP
(800) 836-6036
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Aura
Identity & Fraud Protection
(844) 931-2872
Visit site
Spot
Pet Insurance
(833) 343-2340
Visit site
MetLife Legal Plans
Legal
(800) 821-6400
Visit site
MASA MTS
Emergency Transport
(800) 643-9023
Visit site
