Enrollment closes at 11:59 PM on April 25, 2026. If you miss the deadline, you will not be able to add, drop, or change coverage until next year's Open Enrollment unless you experience a qualifying life event.
Plan Year: May 1, 2026 – April 30, 2027
Welcome to your 2026-2027 Open Enrollment. Take a few minutes to review your options and complete your elections between April 1 and April 25, 2026. Your new benefits take effect May 1, 2026.
Action required this year.
Hello and welcome! We are excited to have you as part of Habberstad Motorsport. 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.
Habberstad Motorsport offers a comprehensive benefits package for full-time employees working 30 or more hours per week. Below you'll find a summary of each plan available for the 2026–2027 plan year. For complete plan details, refer to the Benefits Guide and individual plan summaries in the Documents section.
Point C — (877) 230-3747 · pointchealth.com
Habberstad Motorsport offers four self-funded medical plan options through Point C, with access to Northwell Direct (Tier 1) and the Anthem Blue Card National PPO (Tier 2) provider networks. Pharmacy benefits are administered by CarelonRx. Group #: PCT42625.
| Feature | Affordable HSA | Mid HSA | Buy Up HSA | Platinum |
|---|---|---|---|---|
| Network Access | In-Network Only | In-Network Only | In-Network Only | In & Out-of-Network |
| Deductible — Northwell (Single / Family) | $2,500 / $5,000 | $1,750 / $3,500 | $1,000 / $2,000 | $0 / $0 |
| Deductible — Anthem (Single / Family) | $5,000 / $10,000 | $5,000 / $10,000 | $5,000 / $10,000 | $0 / $0 (in-net) · $500 / $1,000 (out-of-net) |
| Out-of-Pocket Max (Single / Family) | $6,450 / $12,900 | $6,450 / $12,900 | $6,450 / $12,900 | $2,500 / $5,000 |
| Coinsurance | 0% after ded | 0% after ded | 0% after ded | 0% in-net · 30% out-of-net |
| Preventive Care | Covered 100% | Covered 100% | Covered 100% | Covered 100% |
| Primary Care | 0% after ded | 0% after ded | 0% after ded | $15 copay |
| Specialist | 0% after ded | 0% after ded | 0% after ded | $30 copay |
| Urgent Care | 0% after ded | 0% after ded | 0% after ded | $30 copay |
| Emergency Room | 0% after ded | 0% after ded | 0% after ded | $150 copay |
| Rx (Gen / Pref / Non-Pref) | Ded then $10 / $35 / $70 | Ded then $10 / $35 / $70 | Ded then $10 / $35 / $70 | $15 / $35 / $75 (Rx ded $100, waived for Tier 1) |
HSA-eligible plans pair with the EBC Health Savings Account. Pharmacy benefits administered by CarelonRx — visit carelonrx.com or download the CarelonRx app to manage prescriptions.
Virtual care is included with your Point C medical plan.
Cost-share: Platinum plan covers virtual visits at 100%. HSA plans apply 0% coinsurance after deductible.
Mutual of Omaha — (800) 927-9197 · mutualofomaha.com/dental
| Feature | DPPO Low | DPPO High |
|---|---|---|
| Network | Mutual of Omaha Preferred Proprietary | Mutual of Omaha Preferred Proprietary |
| Annual Deductible (Individual / Family) | $50 / $150 (waived for preventive) | $50 / $150 (waived for preventive) |
| Annual Maximum | $1,000 | $2,500 |
| Preventive (In / Out) | 100% / 80% | 100% / 100% |
| Basic (In / Out) | 80% / 60% | 90% / 80% |
| Major (In / Out) | 50% / 50% | 60% / 50% |
| Orthodontia | Not covered | 50% — Adult & Child, $1,500 lifetime max |
| Out-of-Network Reimbursement | MAC | UCR |
| Waiting Periods | None | None |
Maximum rollover included on both plans. Dependent children covered up to age 26.
Mutual of Omaha — (833) 274-4358 · mutualofomaha.com/vision
| Feature | In-Network (EyeMed Insight) |
|---|---|
| Exam Copay | $10 |
| Materials Copay | $10 |
| Frequency (Exam / Lenses / Frames) | 12 / 12 / 12 months |
| Single, Bifocal & Trifocal Lenses | Covered in full after copay |
| Frames Allowance | $200 |
| Contacts (Elective) | $200 allowance |
Dependent children covered up to age 26. Download the EyeMed Members App to view your benefits and ID card on the go.
Mutual of Omaha — (800) 769-7159
Basic Life & AD&D — Provided by Habberstad Motorsport at no cost to you. Coverage amount: $10,000. Benefits reduce 35% at age 65 and 50% at age 70; coverage terminates at retirement.
Voluntary Life & AD&D — Optional coverage you can purchase for yourself, your spouse, and your children:
Includes Living Care Benefits, Waiver of Premium, Portability, and Conversion. Voluntary benefits also reduce 35% at age 65 and 50% at age 70.
Mutual of Omaha — (800) 769-7159
Voluntary Short-Term Disability (STD)
Voluntary Long-Term Disability (LTD)
New York Disability Benefits Law (DBL) — Required state coverage for non-work-related injury or illness. Pays up to 50% of average weekly wage, capped at $170/week, for up to 26 weeks (combined with PFL). 7-day waiting period.
New York Paid Family Leave (PFL) — Up to 12 weeks of leave at 67% of average weekly wage, capped at $1,228.53/week (2026 maximum). Use for bonding with a new child, caring for a family member with a serious health condition, or military family matters. No waiting period. PFL premium for 2026 is 0.4320% of annual wages, capped at $411.91/year.
You cannot receive PFL and DBL at the same time. Combined leave maximum is 26 weeks within a 52-week period. FMLA runs concurrently with PFL.
EBC (Employee Benefits Corporation) HSA — paired with the Affordable, Mid, or Buy Up HSA medical plans. (800) 346-2126 · ebcflex.com
EBC Dependent Care FSA — Save pre-tax dollars on eligible work-related dependent care expenses. (800) 346-2126 · ebcflex.com
Mutual of Omaha — (800) 769-7159
Hospital Indemnity pays a cash benefit when you're admitted or confined to a hospital, helping cover out-of-pocket costs your medical plan doesn't.
| Benefit | Amount |
|---|---|
| Hospital Admission (initial day) | $1,500 |
| Hospital ICU Admission (initial day) | $1,500 |
| Hospital Confinement (per day) | $100 |
| ICU Confinement (per day) | $100 |
| Complications of Pregnancy | Included |
Mutual of Omaha — (800) 769-7159
Accident Insurance pays a cash benefit if you or a covered family member suffers a covered accidental injury — use the money however you need.
| Benefit | Amount |
|---|---|
| Emergency Care Treatment | $400 |
| Initial Care Visit | $175 |
| Diagnostic Exam | $175 |
| Air Ambulance Transportation | Up to $2,000 |
| Accident Hospital Admission | $2,000 |
| Accident Hospital Daily Confinement | Up to $240/day |
| Accident ICU Admission | Up to $2,000 |
| Accident Follow-Up (up to 3 within 90 days) | $175 |
| Acupuncture | $100 |
| Fractures & Dislocations | Refer to plan summary |
Mutual of Omaha — (800) 769-7159
Critical Illness pays a lump-sum cash benefit if you're diagnosed with a covered condition. Rates are based on age and coverage level.
| Covered Condition | Initial Benefit | Recurrence |
|---|---|---|
| Invasive Cancer | 100% | 100% |
| Non-Invasive Cancer / Cancer in Situ | 25% | 25% |
| Skin Cancer | $250 | $250 |
| Heart Attack | 100% | 100% |
| Stroke | 100% | 100% |
| Coronary Artery Disease | 50% | 100% |
| Major Organ Failure | 100% | 100% |
| End Stage Renal Disease (ESRD) | 100% | None |
Dependent coverage requires employee enrollment.
These value-added services are included with your Mutual of Omaha coverage at no additional cost.
Employee Assistance Program (EAP) — (800) 316-2796 · mutualofomaha.com/eap
Travel Assistance — US: (800) 856-9947 · Outside US (collect): (312) 935-3658
Will Preparation by Epoq — willprepservices.com · Code: MUTUALWILLS
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 May 1, 2026 – April 30, 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
COBRA Continuation Coverage
If you lose group health coverage due to a qualifying event (termination, reduction in hours, divorce, loss of dependent status, etc.), you and your covered dependents may be eligible to continue coverage at group rates for a limited time under COBRA. Contact Human Resources for details.
Section 125 — Pre-Tax Premium Deductions
Your medical, dental, vision, and certain supplemental premiums are deducted from your gross pay before taxes under a Section 125 Cafeteria Plan, lowering your taxable income. Election changes outside
Medicare Part D — Creditable Coverage
Your prescription drug coverage under this plan is considered creditable, meaning it is at least as good as standard Medicare Part D coverage. You may delay enrolling in Medicare Part D without facing a late enrollment penalty as long as you remain covered by a creditable plan. The Medicare Part D annual enrollment window is November 15 – December 31.
Medicaid & CHIP Premium Assistance
If you or your children are eligible for Medicaid or CHIP and also eligible for employer health coverage, your state may help pay your share of the premium. Call 1-877-KIDS-NOW or visit insurekidsnow.gov to learn more.
| Name | Phone | |
|---|---|---|
| Taylor FoleyHuman Resources | TFoley@habberstadbmw.com | (631) 418-3255 |
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Point C
Health Plan Administrator (TPA)
(877) 230-3747
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Group # PCT42625. Member portal: portal.pointctpa.com
Northwell Direct
Medical Network (Tier 1)
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Tier 1 provider network for Point C medical plans
Anthem BCBS
Medical Network (Tier 2)
(877) 230-3747
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Tier 2 / Blue Card National PPO network
CarelonRx
PBM
(855) 402-2583
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Pharmacy benefit manager for Point C medical plans
Mutual of Omaha
Dental
(800) 927-9197
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Mutual of Omaha
Vision
(833) 274-4358
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Employee Benefits Corporation (EBC)
HSA / Dependent Care FSA
participantservices@ebcflex.com
(800) 346-2126
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HSA paired with Affordable, Mid, or Buy Up HSA medical plans
Mutual of Omaha
Life & AD&D, STD & LTD, Hospital Indemnity, Accident, Critical Illness
(800) 769-7159
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Mutual of Omaha
EAP
(800) 316-2796
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