Welcome To Your Benefits Website
Everything you need to understand, compare, and enroll in your Page Autos benefits — all in one place.
Plan Year: July 1, 2026 – June 30, 2027
Everything you need to understand, compare, and enroll in your Page Autos benefits — all in one place.
Plan Year: July 1, 2026 – June 30, 2027
Page Autos strives to provide you and your family with a comprehensive and valuable benefits package, and we want to make sure you’re getting the most out of it. That’s why we’ve put together this benefits website — a single place to review your plans, compare your options, and complete your enrollment with confidence.
Elections you make during open enrollment will become effective July 1, 2026. If you are a new hire, your elections will be effective on the first of the month following 60 days from your date of hire.
Take some time to explore the plans, contacts, and resources available to you here. If you have any questions along the way, your HR team and your All Atlantic Benefits service team are here to help.
Page Autos offers a full benefits package built to support you and your family — medical, dental, vision, life, disability, and a wide range of voluntary and supplemental coverages. Use this site to compare your plan options, get to know your carriers, and connect with the people who can help you make confident decisions during enrollment and throughout the year.
WellNet Healthcare (PHCS Network) — (267) 348-3492 · wellnet.com
Cigna — (267) 348-3492 · cigna.com
Three medical plans are available: two WellNet Healthcare plans on the open PHCS network and one Cigna PPO. All three plans include free virtual care through Sam by UCM Digital Health for PCP, specialist, behavioral health, ER, urgent care, and nutrition. WellNet plans also waive the deductible and out-of-pocket maximum when you use a WellNet Recommended Provider for MRIs, CT scans, PET scans, and surgical procedures — call WellNet Advocacy at (267) 348-3492 before scheduling.
| Feature | WellNet COPAY $5,500 Ded | WellNet COPAY $1,500 Ded | Cigna PPO |
|---|---|---|---|
| Network | PHCS Referenced-Based-Pricing (RBP) | PHCS Referenced-Based-Pricing (RBP) | Cigna PPO / Choice Fund PPO |
| Deductible (Single / Family) | $5,500 / $11,000 | $1,500 / $3,000 | $2,500 / $5,000 |
| Out-of-Pocket Max (Single / Family) | $6,250 / $12,500 | $4,000 / $8,000 | $7,250 / $14,500 |
| Coinsurance | 20% | 20% | 20% in / 30% out |
| Preventive Care | 100% | 100% | 100% in |
| Primary Care | 100% | 100% | 100% in |
| Specialist | $20 copay | $20 copay | $20 copay in |
| Telemedicine (Sam by UCM) | 100% covered | 100% covered | 100% covered in |
| Urgent Care | $50 copay | $50 copay | $50 copay in |
| Emergency Room | $500 copay | $500 copay | $1,000 copay |
| Rx (Gen / Pref / Non-Pref) | $0 / $35 / $60 | $0 / $35 / $60 | $0 / $35 / $60 |
| Specialty Rx | 30% after ded, $250 max | 30% after ded, $200 max | $250 copay |
| Dependent Child Age | Up to 30 (end of DOB month) | Up to 30 (end of DOB month) | Up to 30 (end of birth month) |
A Voluntary GAP Plan through OptiMed Health is available to help offset deductible and out-of-pocket costs on either WellNet or Cigna — see the GAP Insurance section for details.
Prescriptions are managed by Express Scripts on all three plans. Specialty medications may qualify for the SaveOnSP copay assistance program.
Sam by UCM Digital Health — 24/7 on-demand virtual care included free with every Page Autos medical plan. (844) 484-7362 · sambyucm.com
Download the Sam by UCM mobile app to get started, or call 1-844-4-VIP-DOC to connect with a provider.
Mutual of Omaha — (800) 927-9197 · mutualofomaha.com/dental
Two dental plans are available on the Mutually Preferred Network. Both waive the deductible for preventive care. The PPO High plan adds child orthodontia and a higher annual maximum.
| Feature | PPO Low | PPO High |
|---|---|---|
| Network | Mutually Preferred | Mutually Preferred |
| Individual / Family Deductible | $50 / $150 | $50 / $150 |
| Deductible Waived for Preventive | Yes | Yes |
| Annual Maximum (In / Out of Network) | $2,000 / $1,750 | $3,000 / $3,000 |
| Preventive (Type 1) | 100% in / 80% out | 100% in / 80% out |
| Basic (Type 2) | 80% in / 60% out | 80% in / 60% out |
| Major (Type 3) | 50% in / 40% out | 50% in / 40% out |
| Orthodontia (Type 4) | Not included | 50%, children only to age 26 |
| Ortho Lifetime Maximum | — | $1,500 |
| Implants | Major | Major |
| Out-of-Network Reimbursement | MAC | 80th UCR |
| Dependent Child Age | Up to 26 (end of birth month) | Up to 26 (end of birth month) |
Endodontics, non-surgical periodontics, surgical periodontics, and simple oral surgery are all classified as Basic services. Complex oral surgery and implants are Major.
Mutual of Omaha — (833) 279-4358 · mutualofomaha.com/vision
Vision coverage on the EyeMed Insight Network with annual exams and 24-month frame benefits.
| Feature | In-Network |
|---|---|
| Network | EyeMed Insight |
| Exam Copay | $10 |
| Materials Copay | $10 |
| Frequency (Exam / Lenses / Frames) | 12 / 12 / 24 months |
| Single, Bifocal, Trifocal, Lenticular Lenses | Covered in full after copay |
| Frames Allowance (after copay) | Up to $200 |
| Contacts (Elective) | $200 allowance |
| Dependent Child Age | Up to 26 (end of birth month) |
Mutual of Omaha — (800) 769-7159 · mutualofomaha.com
Page Autos provides Basic Life and AD&D insurance at no cost to all full-time employees eligible for benefits.
You can purchase additional life insurance for yourself, your spouse, and your children. Employee coverage must be elected to enroll a spouse or child.
| Coverage | Employee | Spouse | Child |
|---|---|---|---|
| Increments | $10,000 | $5,000 | — |
| Minimum | $10,000 | — | — |
| Maximum | $500,000 (not to exceed 5× salary) | $250,000 (not to exceed 100% of employee benefit) | $10,000 (14 days to age 26 if full-time student) |
| Guarantee Issue (Initial Enrollment) | Up to $150,000 | 100% of employee benefit, up to $50,000 | — |
Other features included: Living Care / Accelerated Death Benefit · Waiver of Premium · Portability · Conversion
Your voluntary life benefit reduces 65% at age 65, 40% at age 70, and 25% at age 75. AD&D pays the full Principal Sum for loss of life or two or more members; half the Principal Sum for loss of one member. Rate information is available in your enrollment kit or Paycom.
Mutual of Omaha — (800) 769-7159 · mutualofomaha.com
Disability coverage replaces a portion of your income if you can’t work due to a non-work-related injury or illness. Both Short Term and Long Term Disability are voluntary — you pay the premium.
| Feature | Voluntary Short Term Disability | Voluntary Long Term Disability |
|---|---|---|
| Elimination Period | 7 days accident / 7 days sickness | 90 days |
| Benefit | 60% of weekly salary, up to $750/week | 60% of monthly salary, up to $6,000/month |
| Benefit Duration | Up to 13 weeks | Reducing Benefit Duration or Social Security Normal Retirement Age |
| Own Occupation Period | — | 24 months |
| Pre-Existing Condition Look-back | 3 months / 6 months | 3 months / 12 months |
Eligibility: permanent employees 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 completion of your waiting period. Late entrants must complete Evidence of Insurability.
Employee Benefits Corporation (EBC) — (800) 346-2126 · ebcflex.com
The Healthcare FSA lets you set aside pre-tax dollars to pay for eligible out-of-pocket medical, dental, and vision expenses. Funds are loaded onto your BESTflex Benefits Card and available to spend from day one of the plan year — you don’t have to wait for your full election to accumulate.
| Feature | Details |
|---|---|
| Annual Contribution Limit | $3,400 |
| Carryover to Next Plan Year | Up to $660 |
Submitting documentation — manage your account and submit Benefits Card receipts, EOBs, or invoices through the My Mobile Account Assistant app or online at ebcflex.com. EBC will notify you by email or push notification within a few days of any purchase that needs documentation. You can also mail or fax in receipts if you prefer.
If you continue your enrollment year-over-year, you will not receive a new Benefits Card — the existing card carries forward.
OptiMed Health GAP — (800) 482-8770 · optimedhealth.com
GAP Insurance is supplemental medical expense coverage designed to help offset the rising deductibles, copays, and out-of-pocket costs from your primary medical plan. OptiMed is your secondary carrier — you’ll always have a primary medical plan (WellNet or Cigna) and OptiMed reimburses eligible inpatient and outpatient costs after your primary processes the claim.
| Plan | Deductible | Inpatient Max | Outpatient Max | Family Max | Mental Health / Substance Abuse |
|---|---|---|---|---|---|
| Low | $0 | $3,000 | $3,000 | 3× | Included |
| High | $0 | $2,000 | $2,000 | 3× | Included |
What GAP covers — inpatient hospital stays, procedures, physician charges, mental health and substance abuse treatment, routine nursery care, outpatient surgery, radiation and chemotherapy, diagnostic imaging (X-ray, MRI, CT, PET, EKG, stress tests, cardiac catheterization), emergency room visits for accident or illness, urgent care for accident or illness, and kidney dialysis.
How to use it — always present both your primary insurance ID card and your OptiMed ID card at every appointment. Claims can be submitted online at optimedhealth.com or by mail. Customer Care: customercare@optimedhealth.com, Monday–Friday 8:00 AM–6:00 PM ET.
Mutual of Omaha Group Hospital Indemnity — (800) 769-7159 · mutualofomaha.com
Hospital Indemnity pays cash benefits directly to you when you’re admitted to or confined in a hospital. The cash can be used for anything — medical bills, deductibles, or daily living expenses while you recover.
| Benefit | Amount |
|---|---|
| Hospital Admission | $2,000 per admission |
| ICU Admission | $4,000 per admission |
| Daily Hospital Confinement | $100 per day |
| Daily ICU Confinement | $200 per day |
Mutual of Omaha Group Accident — (800) 769-7159 · mutualofomaha.com
Accident Insurance pays cash benefits for on- and off-the-job accidents and the medical care that follows. Benefits are paid in addition to any other coverage you have, and you can use the cash for anything you need.
| Benefit | Amount |
|---|---|
| Hospital / ICU Admission | $2,500 |
| Hospital Confinement | $700 per day |
| ICU Confinement | $1,400 per day |
Accident insurance pays for accidental death, dismemberment, dislocation or fracture, hospital confinement, intensive care, ambulance service, medical expenses, and outpatient physician treatment.
Mutual of Omaha Group Critical Illness — (800) 769-7159 · mutualofomaha.com
Critical Illness pays a lump-sum cash benefit when you’re diagnosed with a covered condition. The benefit is paid directly to you to use however you need — non-medical expenses, lost income, or anything else.
| Coverage | Amount |
|---|---|
| Employee Benefit Options | $10,000, $20,000, or $30,000 |
| Spouse Benefit | $5,000, $10,000, or $15,000 (100% of employee benefit amount) |
| Child Benefit | 50% of employee’s CI Principal Sum, up to $10,000 |
| Child Coverage Age | Birth through age 26 |
MetLife Legal Plans — (800) 821-6400 · members.legalplans.com
Legal help can be expensive. MetLife Legal Plans gives you, your spouse, and your dependents access to a nationwide network of experienced attorneys for a low monthly payroll deduction — no copays, no deductibles, and no claim forms when you use a network attorney for a covered matter.
What’s covered:
How to use it: create an account at members.legalplans.com, view your coverage, and select an attorney. Make an appointment directly with the attorney you choose. For non-covered matters, your plan also includes up to four hours per year of network attorney time and services.
MetLife Identity & Fraud Protection powered by Aura — (844) 931-2872 · metlife.com
An all-in-one digital security solution that protects your identity, money, assets, family, reputation, and privacy.
The Aura app keeps all your digital security tools in one place. Questions? Aura’s customer support team is available 24/7/365 at (844) 931-2872.
MASA Medical Transport Solutions — (800) 643-9023 · masamtsflorida.com · info@MASAmtsflorida.com
Even with strong health insurance, emergency ground and air ambulance can leave you with bills up to $5,000 for ground transport and $70,000 for air. MASA fills that gap with a low monthly fee — no deductibles, no health questions, easy claims, and coverage for your entire family.
| Benefit | Platinum | Emergent Plus |
|---|---|---|
| Monthly Cost (Single / Family) | $24.17 / $32.50 | $14 (any) |
| Emergent Ground Transportation | U.S. / Canada | U.S. / Canada |
| Emergency Air Transportation | U.S. / Canada | U.S. / Canada |
| Repatriation | Worldwide | U.S. / Canada |
| Non-Emergent Air Transportation | Worldwide | — |
| Escort Transportation | Worldwide | — |
| Mortal Remains Transportation | Worldwide | — |
| Visitor Transportation | BCA* | — |
| Minor Children / Grandchildren Return | BCA* | — |
| Vehicle Return | BCA* | — |
| Pet Return | BCA* | — |
| Organ Retrieval | U.S. only | — |
| Organ Recipient Transportation | U.S. only | — |
*Basic Coverage Area (BCA) includes the U.S., Canada, Mexico, and the Caribbean (excluding Cuba). Coverage includes your legal spouse / domestic partner and dependents up to age 26.
Spot Pet Insurance — (800) 905-1595 · spotpetins.com
Spot helps cover the cost of accidents, illnesses, and emergencies for your dogs and cats — including surgery, cancer treatment, prescription medications, microchip implantation, X-rays, behavioral issues, and dental disease.
Why Spot:
Get your free quote: spotpet.link/pageauto
Pre-existing conditions are not covered. Waiting periods, annual deductibles, coinsurance, benefit limits, and exclusions may apply. Plans are underwritten by United States Fire Insurance Company.
Voluntary benefits give you a way to fill the gaps that medical insurance doesn’t cover — from hospital admissions and accidents to legal questions, identity theft, and pet care. You pay the premium through payroll deduction, and you choose only the coverages that fit your situation. Each plan is summarized in the sections below.
(800) 316-2796 · mutualofomaha.com/eap
Confidential, 24/7 support for you and your eligible dependents on personal or job-related issues including emotional well-being, family and relationships, and legal or financial matters. Includes three face-to-face sessions, a robust network of licensed mental health professionals, and information and referral resources for whatever life throws at you.
US: (800) 856-9947 · Outside US (call collect): (312) 935-3658
Travel Assistance follows you worldwide, offering access to local medical referrals and emergency support services in foreign locations. Available for you, your spouse, and dependent children on any single trip up to 120 days in length, more than 100 miles from home. Includes pre-trip assistance, medical assistance, identity theft protection, and emergency travel support.
willprepservices.com · Access code: MUTUALWILLS
Free online will preparation through a secure account, including Last Will & Testament, Power of Attorney, Healthcare Directive, and Living Trust. Tailored to your life situation — single, married, parent, or grandparent — and accessible from the comfort of your own home.
(800) 338-4015 · empowermyretirement.com
Page Autos matches 25¢ for every $1 you contribute, up to 3% of your salary. To enroll or increase your contribution, call Empower or log in to empowermyretirement.com.
Prescription prices vary widely between pharmacies. GoodRx is free, requires no personal information, and helps you find the lowest-cost pharmacy in your area. The average GoodRx customer saves $355 a year. Many local retailers including Publix, CVS Health, Target, and Walmart also offer no- or low-cost medication options.
Plan summaries, forms, and resources for your reference.
Full-time team members working a minimum of 32 hours per week and their eligible dependents may participate in Page Autos benefits. Eligible dependents include your legal spouse or domestic partner, children up to age 26, and unmarried children of any age who are not able to support themselves due to a mental disability, physical disability, mental illness, or developmental disability.
Under Florida Statute §627.6562, dependent children residing in Florida may remain on a parent’s group health plan through the end of the calendar year in which they turn 30, provided the child meets all of the following conditions: is unmarried and does not have a dependent of their own; is a Florida resident or a full-time or part-time student; and is not covered under any other group or individual health plan or entitled to Medicare benefits.
Changes to benefit elections outside of open enrollment require a qualifying life event reported to HR within 30 days:
The current plan year is July 1, 2026 – June 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 First of the month following. 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 First of the month following 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 | |
|---|---|---|
| Lorena Lozano Coral Springs Auto Mall/Nissan of St. Augustine |
LLozano@CSAMAuto.com | (954) 509-3256 |
| Terry Droddy Honda of Annapolis |
tdroddy@hondaofannapolis.com | (410) 267-7100 |
No carriers match your search.
Sam by UCM Digital Health
Telemedicine
(844) 484-7362
Visit site
Vanity number 1-844-4-VIP-DOC. 24/7 virtual care included free with all medical plans.
Cigna
Medical
(267) 348-3492
Visit site
Cigna PPO / Choice Fund PPO networks. Phone is the shared WellNet Advocacy line per benefit book.
WellNet Healthcare
Medical TPA
(267) 348-3492
Visit site
Phone is the shared WellNet Advocacy line, also used for Cigna member support; advocacy@wellnet.com is the support email.
OptiMed Health
GAP Insurance
customercare@optimedhealth.com
(800) 482-8770
Visit site
Secondary carrier; reimburses inpatient/outpatient costs after primary medical processes the claim. Two plan tiers ($3K Low / $5K High).
Mutual of Omaha
Vision
(833) 279-4358
Visit site
EyeMed Insight Network.
Mutual of Omaha
Dental
(800) 927-9197
Visit site
Mutually Preferred Network. PPO Low + PPO High plans.
Empower Retirement
401(k)
(800) 338-4015
Visit site
Company matches 25 cents for every $1 contributed, up to 3% of salary.
Employee Benefits Corporation
FSA
(800) 346-2126
Visit site
Healthcare FSA only ($3,400 max, $660 carryover). BESTflex Benefits Card. My Mobile Account Assistant app for documentation.
Mutual of Omaha
Disability (STD/LTD)
(800) 769-7159
Visit site
Voluntary Short Term Disability + Voluntary Long Term Disability.
Mutual of Omaha
Life & AD&D
(800) 769-7159
Visit site
Employer-paid Basic $10,000 + Voluntary Life for Employee/Spouse/Child.
MetLife / Aura
Identity & Fraud Protection
(844) 931-2872
Visit site
Powered by Aura. $5 million identity theft insurance per adult member. 24/7/365 customer support.
Mutual of Omaha
Supplemental (Accident, Hospital Indemnity, Critical Illness)
(800) 769-7159
Visit site
Group Accident + Group Hospital Indemnity + Group Critical Illness, all under one MoO supplemental umbrella.
Spot Pet Insurance
Pet Insurance
(800) 905-1595
Visit site
Client-specific quote URL: spotpet.link/pageauto. Up to 20% employee discount (10% first pet + 10% multi-pet). Underwritten by United States Fire Insurance Company.
MASA MTS of Florida
Emergency Medical Transport
info@MASAmtsflorida.com
(800) 643-9023
Visit site
Two tiers: Platinum ($24.17 single / $32.50 family) and Emergent Plus ($14 any).
MetLife Legal Plans
Legal Plan
(800) 821-6400
Visit site
Nationwide attorney network. Four hours per year of network attorney time for non-covered matters. DUI not covered.
Mutual of Omaha
Employee Assistance Program
(800) 316-2796
Visit site
24/7 confidential support. Three face-to-face sessions. Travel Assistance: (800) 856-9947 US / (312) 935-3658 international collect. Will Prep through Epoq (willprepservices.com, code MUTUALWILLS).
