Benefits for the road ahead.
Everything you need to understand, compare, and enroll in your 2027 benefits — plan details, carrier contacts, and the people who can help.
January 1 – December 31, 2027
Full-time employees working 30 or more hours per week are eligible. New hires join the 1st of the month following 30 days from date of hire.
PDFDownload the 2027 Benefits Guide (PDF)How to enroll
This site holds your full plan details and documents. When you’re ready to enroll, use either option below.
Option one: enroll over the phone
Schedule a call with a benefits counselor at HoffmanAutoGroup.MyBenefitsAppointment.com or call (844) 738-0003.
Scheduling and appointments are available Monday – Friday, 8:00 am – 5:00 pm EST.
Schedule my appointmentOption two: enroll in Paycom
- Start. On the Benefits tile, click Benefit Enrollment. The Progress Box on the right tracks each plan — a green check means enrolled, a red X means declined.
- Confirm your details. Select Start Enrollment, review your personal information, and add any dependents (Social Security Number and date of birth required). Click Save and Next.
- Choose your plans. Accept or decline each plan, pick your coverage level and covered dependents, and add beneficiaries where required (such as life insurance). You can exit at any time — your progress is saved.
- Finalize. Review your selections, click Finalize, then Sign and Submit. Any plan you don’t enroll in is declined. Print your confirmation from the Benefit Confirmation page.
After you enroll: view or print your coverage anytime under Current Benefits on the Main Menu. For a life change such as marriage or a new dependent, go to Qualifying Events on the Benefits tile, add the event and date, and upload supporting documents (for example, a marriage or birth certificate).
Eligibility and plan basics
Who can enroll, when coverage starts, and how to make changes during the year.
January 1, 2027 – December 31, 2027.
Full-time employees working 30 or more hours per week may enroll in the benefits on this site.
Coverage begins the 1st of the month following 30 days from your date of hire.
Eligible dependents
- Your spouse
- Children under age 26 — natural, step, legally adopted, or under your legal guardianship
- Unmarried children over 26 who cannot support themselves due to a mental or physical disability, mental illness, or developmental disability
Age limits by plan type are noted in each section below.
Qualifying events
Changes outside open enrollment are only allowed after a qualifying event, and you must notify Human Resources within 30 days. Examples include the death of a spouse, child, or other qualified dependent, and a change in employment status or in coverage under another employer-sponsored plan.
Medical Insurance
Hoffman Auto Group offers three WellNet plans on the PHCS / Open Network. Every plan covers preventive care, physician visits, convenience care clinics, and telemedicine through Sam by UCM at 100%, with a $20 specialist copay and a $50 urgent care copay. Each plan also includes an HRA benefit of $750 (employee) / $1,500 (family) that reduces what you pay toward your deductible and out-of-pocket maximum.
| Plan | Bronze $5,000 | Gold $2,500 | Platinum $1,000 |
|---|---|---|---|
| Network | PHCS / Open Network | ||
| Deductible (individual / family) | $5,000 / $10,000 | $2,500 / $5,000 | $1,000 / $2,000 |
| Deductible after HRA | $4,250 / $8,500 | $1,750 / $3,500 | $250 / $500 |
| Member coinsurance | 20% | 10% | 0% |
| Out-of-pocket maximum | $6,500 / $13,000 | $5,000 / $10,000 | $4,000 / $8,000 |
| Out-of-pocket maximum after HRA | $5,750 / $11,500 | $4,250 / $8,500 | $3,250 / $6,500 |
| Preventive care, physician visits, convenience care clinic | Covered 100% | ||
| Telemedicine (Sam by UCM) | Covered 100% — primary care, urgent & emergency care, mental health care | ||
| Specialist | $20 copay | ||
| Urgent care | $50 copay | ||
| Emergency room | 20% after deductible | $500 copay | $500 copay |
| Independent clinical lab & free-standing X-ray | Covered 100% | ||
| Hospital lab / hospital X-ray | 20% after deductible / $50 copay | 10% after deductible / $50 copay | 0% after deductible / $50 copay |
| MRI, MRA, CT & PET (office or independent center / outpatient hospital) | $500 copay / 20% after deductible | $200 copay / 10% after deductible | $150 copay / 0% after deductible |
| Outpatient surgery (ambulatory surgical center / hospital) | $1,500 copay / 20% after deductible | $500 copay / 10% after deductible | $350 copay / 0% after deductible |
| Inpatient hospital & inpatient provider services | 20% after deductible | 10% after deductible | 0% after deductible |
| Prescriptions | $0 / $35 / $60 / 30% after deductible | $0 / $35 / $60 / 30% after deductible, up to $500 max | $0 / $35 / $60 / specialty $500 |
| Lifetime maximum | Unlimited | ||
| Dependent children | Covered to age 26; coverage ends at the end of the calendar year | ||
- The ‘after HRA’ rows show what you actually pay once the $750 / $1,500 HRA is applied.
- Register for the member portal at WellNet.com › Portal Login using the ID number on your welcome letter or ID card. The WellNet mobile app (App Store and Google Play) gives the same access.
- ID cards arrive by mail; download a copy from the portal or app in the meantime.
- Need a provider? Call WellNet Advocacy, Monday – Friday 8:30 am – 7:00 pm EST, at (267) 348-3492 or email Advocacy@wellnet.com.
Teladoc
Talk to a U.S.-licensed doctor anytime, anywhere by phone or video for non-emergency conditions such as the flu, sinus infections, and bronchitis — for $0 per visit.
- Create your account by phone, in the app, or on the website, and complete your medical history.
- Request a visit and a Teladoc doctor will contact you.
- Feel better — the doctor diagnoses your symptoms and sends a prescription if needed.
Your WellNet medical plan also includes telemedicine through Sam by UCM at no cost.
Flexible Spending & Reimbursement Accounts
Employee Benefits Corporation (EBC) administers the Health Reimbursement Arrangement paired with your WellNet medical plan, the Health Care Flexible Spending Account, and Dependent Care accounts through the BESTflex Plan. FSA elections come out of your paycheck before taxes, so you pay less tax and have funds ready for eligible medical, dental, vision, and dependent care expenses.
| 2027 account details | |
|---|---|
| Health Care FSA maximum contribution | $3,500 |
| Carryover | Up to $700 of unused funds carries into the next plan year. If you continue enrollment you will not receive a new card — keep using your current Benefits Card. |
| Rollover requirement | To be eligible to roll over benefits into 2027, a minimum contribution election of $100 is required for the 2026 plan year. |
| HRA (with your medical plan) | $750 employee / $1,500 family, applied toward your deductible and out-of-pocket maximum |
- Manage everything in the EBCentral app (App Store or Google Play): check balances, lock or replace your Benefits Card, get a push notification after every card swipe, and submit receipts or claims from your phone.
- If a purchase needs documentation, EBC notifies you within a couple of days — snap a photo of the receipt in the app or upload it at ebcflex.com.
- Participant services: (800) 346-2126 · participantservices@ebcflex.com
Dental Insurance
Two Humana PPO options on the PPO / Traditional Preferred network. Both cover preventive care at 100% with the deductible waived, and you can see any dentist — in-network dentists keep your costs lowest, and out-of-network care is reimbursed at the 90th percentile of usual and customary rates.
| Plan | Dental PPO Low | Dental PPO High |
|---|---|---|
| Network | PPO / Traditional Preferred — same benefit levels in or out of network | |
| Deductible (individual / family) | $50 / $150 | $50 / $150 |
| Deductible waived for preventive | Yes | Yes |
| Deductible period | Calendar year | Calendar year |
| Annual maximum | $1,500 | $3,000 |
| Preventive (Type 1) | 100% | 100% |
| Basic (Type 2) | 80% | 90% |
| Major (Type 3) | 50% | 60% |
| Orthodontia (Type 4) | Not covered | 50% — adults & children to age 19, $1,500 maximum |
| Cleanings | 3 in 12 months | 3 in 12 months |
| Endodontics, periodontics & oral surgery | Covered as Basic | Covered as Basic |
| Implants | Covered as Major | Covered as Major |
| Out-of-network reimbursement | 90th UCR | 90th UCR |
| Dependent children | Covered to age 26; coverage ends at the end of the birth month | |
- Register at Humana.com/Register (select ‘I’m a Member’, then ‘Something else’ as your plan type) to view ID cards, check claims, and find an in-network dentist.
- ID cards are mailed within 10 days of enrollment; print or email one from MyHumana if you need care sooner.
- The MyHumana mobile app offers the same tools, plus teledentistry when you can’t get to an office.
Vision Insurance
Humana Vision on the Humana Insight Network covers your annual exam, lenses, and frames with low copays and generous allowances — visiting an in-network provider keeps your cost lowest.
| Humana Vision | In-network copays & allowances |
|---|---|
| Network | Humana Vision (Humana Insight Network) |
| Exam copay | $10 |
| Materials copay | $10 |
| Frequency (exam / lenses / frames) | 12 / 12 / 12 months |
| Single, bifocal & trifocal lenses | Covered in full after copay |
| Frames | $160 allowance after copay — $210 allowance at PLUS providers |
| Elective contacts | $160 allowance |
| Dependent children | Covered to age 26; coverage ends at the end of the birth month |
- Use Humana’s Find an eye doctor tool to search the Humana Vision network by location or doctor name.
- Retail and online options in network include LensCrafters, Pearle Vision, Target Optical, Walmart, Sam’s Club, Oakley, Ray-Ban, Glasses.com, and ContactsDirect.com.
Life Insurance
Employer-paid Basic Life and AD&D. Hoffman Auto Group provides $25,000 of life and accidental death & dismemberment coverage to every benefit-eligible full-time employee at no cost to you. Benefits reduce to 65% at age 65 and 50% at age 70.
Voluntary Life. Add protection for yourself, your spouse, and your children through payroll deduction.
| Voluntary life | Employee | Spouse | Child(ren) |
|---|---|---|---|
| Benefit amount | $10,000 increments, not to exceed 5× annual salary; maximum $500,000 | $5,000 increments, not to exceed 100% of the employee’s elected amount; maximum $100,000 | $10,000 |
| Guarantee issue at initial enrollment | Up to $150,000 | Up to $35,000 | — |
| Age rules | Benefit reduces to 65% at age 65 and 50% at age 70 | Coverage ends when the employee reaches age 70 | 14 days old to age 26 (full-time student); the employee must elect coverage to enroll children |
- Any increase at a later open enrollment requires health questions or a health exam.
- Includes Living Care / Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion.
Short & Long Term Disability
Voluntary disability coverage replaces part of your income if a non-work-related injury or illness keeps you from working. Short term disability covers the first weeks; long term disability continues if you remain disabled.
| Plan | Voluntary Short Term Disability | Voluntary Long Term Disability |
|---|---|---|
| Elimination period | 7th day accident / 7th day sickness | 180 days |
| Maximum benefit | 60% of your weekly salary, up to $2,000 per week | 60% of your monthly salary, up to $10,000 per month |
| Benefit duration | 25 weeks | Reducing benefit duration or Social Security normal retirement age |
| Own occupation | — | 24 months |
| Pre-existing condition period | 3 months / 6 months | 3 months / 12 months |
- Elimination period: the number of days you must be disabled before benefit payments begin.
- Benefit duration: the maximum period benefits are paid during a period of disability.
- Definition of disability: you are unable to perform the main duties of your occupation on a full-time basis due to a non-work-related injury or sickness.
- Eligibility: permanent employees regularly scheduled to work at least 30 hours per week who are actively at work on the coverage effective date.
- Effective date: the first day of the month following completion of your waiting period.
Accident, Hospital Indemnity & Critical Illness
Voluntary plans that pay cash benefits directly to you, on top of your medical coverage, when the unexpected happens.
- Group Accident pays for on- and off-the-job accidents — accidental death, dismemberment, dislocation or fracture, hospital confinement, intensive care, ambulance service, medical expenses, and outpatient physician treatment.
- Group Hospital Indemnity helps with medical and daily living expenses when you are admitted or confined to the hospital.
- Group Critical Illness pays a lump sum after a covered diagnosis that you can use for non-medical expenses health insurance doesn’t cover.
| Plan | What it pays |
|---|---|
| Group Accident | |
| Hospital admission | $2,000 |
| Hospital confinement — ICU | $400 per day, up to 365 days |
| Hospital confinement | $800 per day, up to 15 days |
| Group Hospital Indemnity | |
| Admission | Hospital $1,000 | ICU $2,000 |
| Daily hospital confinement | Hospital $100 | ICU $200 |
| Group Critical Illness | |
| Employee | $10,000 or $20,000 lump sum |
| Spouse | $10,000 or $20,000 — must be less than or equal to the employee’s amount |
| Child(ren) | 50% of the employee’s principal sum, up to $10,000; from birth to age 26 |
- Health screening benefit: these plans pay a cash benefit when you complete a covered preventive screening (annual physical, dental or vision exam, mammogram, colonoscopy, blood chemistry profile, and more), 1–2 times per calendar year per insured person. Submit the claim form online, by email, fax, phone, or mail — forms at mutualofomaha.com/support/forms.
- Accident, Critical Illness, and Hospital Indemnity do not provide coverage for sickness and are not a substitute for major medical insurance.
Employee Assistance, Travel Assistance & Will Prep
Employee Assistance Program (EAP). Life’s not always easy. Mutual of Omaha’s EAP helps employees and their eligible dependents with personal or job-related concerns — emotional well-being, family and relationships, legal and financial matters — with access to EAP professionals 24 hours a day, seven days a week, three face-to-face sessions, information and referral resources, and a robust network of licensed mental health professionals.
| Service | How to use it |
|---|---|
| Employee Assistance Program | Mutual of Omaha · (800) 316-2796 · mutualofomaha.com · 24/7 access for employees and eligible dependents |
| Travel Assistance | World Travel · US inquiries (800) 856-9947 · outside the US call collect (312) 935-3658 · ID number 9900M002. Covers you, your spouse, and dependent children on any single trip up to 120 days, more than 100 miles from home — pre-trip assistance, local medical referrals, identity theft protection, and emergency travel support, 24/7. |
| Will Preparation by Epoq | willprepservices.com · code MUTUALWILLS · free, secure online preparation of a Last Will & Testament, Power of Attorney, Healthcare Directive, and Living Trust, tailored to your situation. |
MetLife Legal Plans & Identity Protection
MetLife Legal Plans. For a monthly fee paid through payroll deduction, you, your spouse, and your dependents get unlimited access to network attorneys for the most frequently needed personal legal matters — estate planning, buying or selling a home, tax audits, family matters, consumer disputes, elder-care issues, traffic matters, and more — with no copays, deductibles, or claim forms when you use a network attorney for a covered matter. Non-covered matters get four hours of network attorney time per year, and you can create wills, living wills, and powers of attorney online in as little as 15 minutes.
MetLife + Aura Identity & Fraud Protection. Proactive protection from identity theft, scams, and cybercrime in one app: 3-bureau credit monitoring and alerts, dark web monitoring, a password manager, VPN and antivirus, scam call and text protection, a $5 million identity theft insurance policy per adult, a $50K cyber insurance policy, and 24/7 US-based support. Family plans cover unlimited dependent minors plus up to 10 adults you choose.
| Plan | Details |
|---|---|
| Legal Plans — how to use it | Create an account at members.legalplans.com or call (800) 821-6400, Monday – Friday, 8:00 am – 8:00 pm ET. Find an attorney, make an appointment — that’s it. |
| Identity & Fraud Protection Plus — Individual | $10.95 per month |
| Identity & Fraud Protection Plus — Family | $16.95 per month |
| MetLife + Aura support | (844) 931-2872 |
- Legal plan accounts also give you access to a self-help document library for simple legal forms, available whether or not you enroll.
- Identity protection rates shown are per employee per month, as listed in your benefits guide.
MetLife Pet Insurance
Pets make your family whole. MetLife Pet Insurance helps cover the cost of vet visits, accidents, illness, and more for your dogs and cats. Coverage includes accidental injuries, illnesses, exam fees, surgeries, medications, ultrasounds, hospital stays, X-rays and diagnostic tests — plus hip dysplasia, hereditary, congenital, and chronic conditions, alternative therapies, and holistic care. Pre-existing conditions may not be covered.
- Get a quote or enroll at metlife.com/getpetquote or call 1-800-GET-MET8.
- A small monthly payment helps you prepare for unexpected vet expenses down the road.
Our carriers
Who to call for ID cards, claims, and plan questions.
WellNet Healthcare
Member portal: WellNet.com › Portal Login · Advocacy@wellnet.com
Humana
Register at Humana.com/Register to view ID cards and claims
Mutual of Omaha
Claim forms: mutualofomaha.com/support/forms
World Travel
Outside the US call collect (312) 935-3658 · ID number 9900M002
Employee Benefits Corporation
participantservices@ebcflex.com · EBCentral app
MetLife Legal Plans
Client Service Center: Monday – Friday, 8:00 am – 8:00 pm ET
Who to contact
Your Human Resources team and your All Atlantic Benefits advisors are here to help.
Hoffman Auto Group Human Resources
Benefits questions, enrollment changes, and qualifying events.
Veronica Ferrari
veronica@allatlanticbenefits.com
Talk/Text: (305) 989-4676
Disclosures
Medicare Part D
This notice confirms that your prescription drug coverage is creditable, which means it does not prevent you from enrolling in Medicare Part D if you wish. The open enrollment period for Part D is November 15 through December 31. Delaying Part D enrollment will not result in higher premiums as long as you are covered by a creditable prescription drug plan.
If you are Medicare eligible, you will receive information on the Medicare Part D plans in your area. Premiums vary by location but are expected to average about $32–$37 per month. If you enroll, coordination of benefits will be required.
Section 125
You may be able to change your benefit elections during the plan year — additions, deletions, and cancellations — if you experience a qualifying event as defined by IRS Code Section 125, and only if the event affects your own, your spouse’s, or your dependent’s coverage eligibility.
You must report a qualifying event to Human Resources within 30 days of the event. After 30 days, additions and deletions will be denied, and you may be responsible both legally and financially for claims or expenses incurred by dependents who no longer meet eligibility requirements. Approved additions are generally effective on the date of the event; cancellations are processed at the end of the month.
Payroll deductions for health, dental, vision, and certain supplemental accident premiums are taken before your income is taxed under the Cafeteria Benefit Plan governed by IRS Code Section 125, which means you pay less tax on a per-pay and annual basis.
COBRA
The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 requires most employers sponsoring group health plans to offer employees and their families a temporary extension of health coverage (continuation coverage) at group rates in certain instances where coverage under the plan would otherwise end. An employee, an employee’s spouse, or a dependent child covered by the group health plan has the right to choose continuation coverage if coverage is lost for any qualified reason. Please speak with Human Resources for more information.
Medicaid and CHIP
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer, your state may have a premium assistance program that can help you pay for coverage. These programs help people who are eligible for Medicaid or CHIP but also have access to health insurance through their employer.
If you are not currently enrolled in Medicaid or CHIP and think you or a dependent might be eligible, contact your state Medicaid or CHIP office, call 1-877-KIDS NOW, or visit www.insurekidsnow.gov to find out how to apply. If you qualify, you can ask the state whether it has a program to help pay the premiums for an employer-sponsored plan.
The materials on this site provide a brief summary of the benefits offered and are not contractually binding. For complete information, please refer to the certificates of insurance. In the event of a discrepancy or omission, the carrier policy will govern.