Plan Year: February 1, 2026 – January 31, 2027
No cost increase on health insurance plans
Same plan lineup as last year
Free telemedicine through Sam by UCM for all employees
Spousal coverage: Spouses with access to their own employer's plan must enroll there. If you or dependents move to a spouse's plan, eligible expenses are covered through an HRA card (Spousal Advantage Plan)
Essential Plan copays: $25 PCP, $0 labs, $35 specialist, $100 urgent care, $500 ER
$0 copay / $0 deductible for imaging, outpatient, and inpatient procedures when coordinated through WellNet concierge (800-915-9497)
Switch primary care to Sam and receive a full genetic testing program at no cost
Action required this year.
A message from Ali Ahmed — John Sisson Motors appreciates your continued trust and is committed to providing health coverage that meets your needs while keeping plans sustainable. For 2026, the company has taken proactive steps to strengthen benefits, manage costs, and reinvest in programs that support your well-being.
John Sisson Motors 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.
WellNet Healthcare — (800) 727-1733 · wellnet.com
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
John Sisson Motors provides $50,000 in employer-paid life and AD&D coverage for all full-time benefit-eligible employees. Benefit 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. (844) 356-9993 · pnc.com/pncbenefitplus
Catilize Health Spousal Advantage Plan — (877) 872-4232 · memberservices@catilizehealth.com
If your spouse has employer coverage, enroll there and John Sisson Motors 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 · optimedhealth.com
| 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 (1× 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. (888) 628-4824. User: LFGSupport / Password: LFGSupport1.
TravelConnect — No-cost travel assistance when you’re 100+ miles from home. (866) 525-1955, Group ID: LFGTravel123.
LifeKeys — Free will preparation, ID theft assistance, grief counseling, and memorial planning for insured employees and dependents. (855) 891-3684.
Full-time employees working 30+ hours per week are eligible. Eligible dependents include your spouse, children under 26 (natural, step, adopted, or legal guardianship), and unmarried children over 26 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 90 days of employment, and coverage is then effective immediately. 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 90 days of employment. Coverage is effective immediately 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
Answer
| Name | Phone | |
|---|---|---|
| Bob Yuska | Ryuska@kennyross.com | (724) 359-0052 |
| Kristin Betters | kbetters@kennyross.com | (724) 978-2311 |
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
Visit site
Lincoln Financial
Life/AD&D, STD/LTD, Hospital Indemnity, Accident, Critical Illness
(800) 423-2765
Visit site
OptiMed Health
GAP
(800) 836-6036
Visit site
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
