Flexible Spending Account

A Healthcare Flexible Spending Account (FSA) allows you to use pre-tax dollars to pay for eligible healthcare expenses, saving you money. Your contributions go into your FSA account before federal income or Social Security taxes are withheld. You pay less in taxes, leaving you more disposable income. The IRS manages the guidelines for the FSA plan, so special rules apply.

The Healthcare FSA is available for all benefits-eligible team members, including those not enrolled in the Jim Ellis medical plan. You can use the FSA for your expenses and the expenses of your taxable dependents.

About Reimbursable Expenses

Qualified FSA expenses include a variety of healthcare products and services for you, your spouse, and your taxable dependents.  Your FSA may cover medical expenses like copays, deductibles, and coinsurance.  Out-of-pocket dental and vision expenses are also eligible for reimbursement. A flyer containing information about eligible expenses is located on the Resources page.  www.fsastore.com is also a great resource for eligible Healthcare FSA expenses.      

How it Works

The Healthcare FSA allows you to direct a portion of your pay, up to $3,300 on a pre-tax basis, into a special account to reimburse yourself for qualifying out-of-pocket expenses.  Equal amounts are taken out of each of your paychecks, and your annual FSA contribution is not subject to federal income tax.  As you incur eligible expenses during the year, you simply use your debit card or submit the expenses to the administrator for reimbursement.  Plan participants pay a $3.50 monthly post-tax administrative fee via payroll deduction.

FSA Debit Card

All FSA plan participants receive a MasterCard debit card which can be used at the time of purchase.  The debit card provides a convenient way to pay for eligible expenses, eliminating the need to pay out-of-pocket, file claims, and be reimbursed.  Certain vendors may not accept the FSA debit card.  In these cases, payment and claim filing for reimbursement is required.   All FSA participants are highly encouraged to set-up direct deposit, so that your manual claims may be reimbursed promptly and efficiently.  Please refer to the Resources page for the Direct Deposit Authorization Form.  

 

Plan Administration & Receipt Requirements

The Healthcare FSA plan is administered by Medcom.  Per IRS regulations, Medcom requires appropriate documentation for all FSA claims, and Medcom may request receipts for debit card transactions.  It is very important that all FSA plan participants  retain your receipts, per IRS guidelines.

All Healthcare FSA participants have access to your account through the Medcom portal and member app. All participants are encouraged to login to your account and review your balance regularly.  If receipts are required, you will be notified on the dashboard of your online portal.  The portal and member app are the most efficient way to review your balance, submit documentation, and obtain assistance from Customer Service.  Please reference the Resources page for a flyer that explains the online portal.

Use It or Lose It

The FSA plan is governed by the IRS, and special rules apply in exchange for the tax savings. Claims must be incurred by December 31, 2025 to be eligible for reimbursement for the 2025 plan year. The IRS requires that any unused money in your account at the end of the plan year be retained by your employer and forfeited by the team member. However, the IRS allows Healthcare FSA plan members to roll over up to $660 of unused funds for future use.

Questions? Call Medcom Benefit Solutions at (800) 523-7542 or the Benefits Service Center at (770) 295-1100.

Sample Debit Card

                                                                

Medical

Jim Ellis offers two medical plan options: the High Medical Plan and the Low Medical Plan. Nova Healthcare Administrators is the third party administrator, and Cigna PPO is the network.  The medical plans includes an integration with HealthJoy, a healthcare guidance app that improves your healthcare experience while helping you save both time and money. We encourage all medical plan members to use the HealthJoy app when medical services are needed.

Although the plan includes out-of-network coverage, your costs are significantly reduced if you remain in the Cigna PPO network.

Quality Matters

All doctors are not the same.  Your medical plan includes tools and resources to help you and your family members find high-quality healthcare. 


The Edison Centers of Excellence program is mandatory for cancer (new diagnoses), orthopedic, spine, joint, and non-acute cardiac procedures. To receive coverage for one of these procedures, members are required to access the Edison Smart Care Centers network. The medical plan also includes access to Edison’s Smart Care Centers for additional conditions on a voluntary basis.

In-Network Medical Summary

Understanding your Healthcare Providers

Nova Healthcare

The High Medical Plan provides 100% coverage after a copay, and the copays apply to the out-of-pocket maximum. The Low Medical Plan has copays for office visits, and most other services are subject to a deductible.  Although the plans includes out-of-network coverage, your costs are significantly reduced if you remain in the Cigna PPO network.  You may access Cigna PPO network information as follows:

OR

Sample ID Card

You will provide your Nova Healthcare ID Card to your Cigna PPO doctor or hospital when you schedule medical care, and pay your copay at the time of service.

Preventive Care and Unlimited Coverage

In compliance with the Affordable Care Act, preventive care is covered at 100% with no member cost share.  There are no pre-existing limitations, and the plan includes unlimited coverage for covered services.

Nova $0 Preventive Care Services List

Prescription Drug Coverage

Your Jim Ellis medical plan includes retail and mail order prescription drug benefits administered by Pharmacy Benefit Dimensions. The prescription drug benefit is included in the medical plan out-of-pocket.

Retail Pharmacy Benefit

The retail pharmacy network includes an extensive listing of retail stores, grocery store pharmacies, and independent pharmacies. To help manage the cost of prescriptions for both our team members and for Jim Ellis, the pharmacy network does not include CVS or Walgreens. We encourage team members to obtain prescriptions from grocery store pharmacies such as Kroger and Publix to reduce team members' cost and the plan’s cost.

90-Day Supply Pharmacy Benefit

Your plan includes the following options for a 90-day supply:

  • Mail order: Mail order is a cost-effective way to receive your maintenance medications.
  • 90-day supply retail benefit: Certain maintenance medications are accessible at your retail pharmacy in a 90-day supply if the script is written for 90 days. Although not all medications are available for a 90-day supply via the retail benefit, this is another convenient way to access your maintenance medications.

As a reminder, specialty medications are excluded (not covered) on the pharmacy benefit.

International Pharmacy Program - ENGEDI RX

Jim Ellis offers an international pharmacy program, administered by ENGEDI RX, which helps covered health plan members obtain certain medications at zero cost.

If you’re taking a medication that is eligible for this program, you will be required to obtain your prescription through ENGEDI RX in 2024 or pay a higher price. Questions? Call ENGEDI RX at (800) 663-8029.

Centers of Excellence Program

The Edison program is mandatory for cancer (new diagnoses), orthopedic, spine, joint, and non-acute cardiac procedures and conditions. In order for these conditions to be covered on the health plan, medical plan members must engage with Edison and visit a Smart Care Center for care.

Distance and cost should never get in the way of you receiving the best possible medical care. Our team members who are enrolled in medical will have full access to Edison’s Smart Care Network. All possible barriers have been removed for the best care and all travel expenses will be covered for you and a companion. All team members, spouses, and dependent children who are enrolled in the
medical plan are eligible. This is ZERO COST HEALTHCARE at AMERICA’S BEST MEDICAL CENTERS for the diagnosis types listed below.

Why are Edison's medical centers considered the best of the best?

  • Medical centers that are recognized as the top in the world based on risk-adjusted quality outcomes.
  •  Multi-disciplinary teams who deliver a fully vetted diagnosis, the best possible treatment, and extraordinary surgical outcomes.
  • Team-based diagnosis and treatment plan with doctors who are paid a salary rather than paid by procedure.

Get to Know Edison

We encourage you to reach out and learn how Edison can help you and your family today. We understand how frightening a new diagnosis can be, which is why we have partnered with Edison to give you the best resources and care possible!

Phone: (866) 982-7988

Email: ehc@edisonhealthcare.com

HealthJoy Benefits Guidance App

HealthJoy is the virtual access point for all your healthcare navigation and team member benefits needs. This resource is provided by Jim Ellis to help you make the most of your benefits. HealthJoy connects you and your family with the right benefits at the right moment in your care journey, saving you time, money, and frustration. 

HealthJoy offers 24/7 access to their healthcare concierge team. In addition, you have access to a benefits wallet that contains pertinent benefits information. The app and resources helps you:

  • Locate in-network providers
  • Find extra savings on your prescriptions
  • Navigate your benefits.
  • Chat with a HealthJoy representative through the HealthJoy app or by calling (877) 500-3212

Below are some videos to help you better understand HealthJoy and how to use it

Scan the HealthJoy QR Code to dowload the HealthJoy app:

Diabetic Members

The health plan includes benefits and resources to help you manage your diabetes at a competitive cost.

  • Diabetic equipment and supplies are covered on the pharmacy portion of your health plan rather than the medical portion. Your equipment will be obtained from a local in-network pharmacy or ProAct, one of the mail-order pharmacies. 
    • To fill through ProAct
      • Members need to call ProAct Pharmacy and set up their account (see mail order tip sheet on the resources page of the benefits website).
      • Have your physician submit a new 90-day script for any needed supplies.

Once the script is reviewed, approved, and processed, the equipment will be mailed directly to your home.

 If the specific supplies are included on the formulary, the applicable tier copay applies.   

Members may receive a free blood glucose meter and unlimited strips and lancets through the Livongo program.  Access the program through the HealthJoy app and refer to the Chronic Condition Management programs described below.

For members who do not participate in Livongo, test strips and lancets, if covered on the formulary, are typically covered at the Tier 2 $60 copay. 

Continuous Glucose Monitors (CGMs) and Insulin Pumps are subject to the Tier 2 copay of $60 for all medical plan members. This copay applies for this equipment for members who do and do not participate in the Livongo diabetes management program.   Note:  The Freestyle Libre is the formulary CGM, available at the $60 copay.   

Diabetes and Other Chronic Care Management

The Jim Ellis medical plans include Livongo's Chronic Care Management program, which supports chronic conditions such as diabetes and hypertension. The program provides help for members at risk for developing diabetes or hypertension by addressing lifestyle and behavioral drivers. 

Virtual Exercise Therapy (MSK Program)

Virtual MSK Therapy is an exercise program for minor back and joint pain. The program includes:

  • Virtual tools and resources, plus guidance from a personal coach
  • Exercises take approximately 15 minutes per day
  • Addresses back, neck, shoulder, knee, hip, hand, wrist, elbow, ankle and foot pain
  • Provides a convenient alternative to in person therapy and surgery

Spousal Health Plan Eligibility

  • Employees covering new spouses on the health plan for 2025 will be required to provide proof of current marriage (marriage certificate and joint marital document, i.e. mortgage / bank statement, utility bill, etc.).
  • Spouses with other employer-sponsored health coverage are not eligible for the Jim Ellis health plan.  An affidavit acknowledging no other employer-sponsored health coverage will be required.
  • If you are covering a spouse for health coverage, you will receive an email from the Benefits Service Center following Open Enrollment explaining the documentation needed.

Tobacco Surcharge and Cessation

  • $25 per month tobacco surcharge applies to team members enrolled in the health plan who use tobacco products.
  • To avoid the separate $25 per month surcharge, you must complete the non-tobacco affidavit or be an active participant in tobacco cessation by the deadline.
    • Obtain the non-tobacco affidavit from the Resources page or Human Resources.
    • Complete and sign the affidavit within 60 days of your benefits effective date (or by the annual due date) to avoid the surcharge.
    • Submit the affidavit to Human Resources (hr@jimellis.com) to ensure it is processed timely.

If you use tobacco products and complete the smoking cessation program, the tobacco surcharge will be waived.  A free tobacco cessation program is offered through Truth Initiative's EX Program. The EX Program is a personalized and convenient digital quit-tobacco program built in collaboration with Mayo Clinic that helps you beat your addiction and live tobacco-free whether you smoke, vape, dip or chew.
It’s FREE from Jim Ellis. Plus, you could avoid a $25/month surcharge! Get started today at Go.TheEXProgram.com/JimEllis

Note: Tobacco products include all forms of tobacco, including but not limited to cigarettes, e-cigarettes containing nicotine, vapes containing nicotine, Zyn (nicotine pouches), and chewing tobacco.

Employment Termination of Coverage

Your medical plan coverage will terminate on the same date as your employment termination.  In certain cases, medical plan premiums may be paid by team members through the end of the pay period, but the medical plan coverage end date could be prior to the end of the pay period. 

Your medical coverage is a COBRA eligible benefit. Under COBRA regulations, you have the right to continue your medical benefits for a maximum period of 18 months from the date of your termination. This allows you to maintain access to the same medical benefits you had as an active team member.

Following your end of employment with Jim Ellis, you will receive a comprehensive COBRA continuation notice. This notice will provide you with additional details and instructions on how to proceed with continuing your medical coverage under COBRA. 

American Exchange

Health Insurance Enrollment Available Through American Exchange

 

American Exchange has partnered with Jim Ellis Atlanta as an option to provide team members with an insurance enrollment and advisory service for Individual Marketplace plans. By calling (888) 995-1674, you will be directed to a local Licensed Agent who can help you understand your health insurance options. The call is 100% free and individual rates may be a more cost effective option for your family.

 

You can also click here to set an appointment online: American Exchange.

Availability of Machine Readable Files

The Machine Readable Files (MRF's) for the Jim Ellis Nova Health Plan can be found at the below link:

https://jimellis.mrfcentral.com

This link is not expected to change. Applicable in-network and allowed amount files will be updated monthly, as required by the regulation, and any future changes needed to the Table of Contents file will be made as well. 

Price Comparison Tool

Make the Most of Your Health Care Dollars:

Nova’s online Price Comparison Tool, hosted by Green Light, makes it possible to obtain a cost estimate before a service or procedure takes place. You can also compare costs and quality ratings across different providers to help you make the best decisions for your health and budget.

 Get To Know The Price Comparison Tool

When you search for a medical service or procedure, you’ll see a list of providers who provide that service. You can choose a geographical area to search or look for a specific provider by name. Cost estimates will show how much you can expect to pay (based on your benefit plan, network, deductibles, and copays, if applicable).

How To Register

Log in to the Consumer Information Center and choose Price Comparison Tool from the Member Resources menu.

Click on Use the Price Comparison Tool.

Click Register to create an account. You will need the member ID number from your ID card.

Once registered, your Price Comparison Tool homepage will include plan-specific information (network, deductibles, and copays, if applicable). Using this information, you can search for care based on a medical service or procedure, geographical area, or provider name and receive a cost estimate of what you can expect to pay.

 

Questions? Nova can help! Whether you have questions or you would like to get a price estimate by phone, just call the Customer Service phone number found on your ID card.

New Hires

Welcome to the Jim Ellis Automotive Group family. We are very excited to have you on our team and look forward to empowering your success in your new career.
 

At Jim Ellis, we take pride in caring for our team members, and offer an incredible comprehensive benefits package. Below you will find the following details regarding your initial enrollment into your new benefits plan:

- The Enrollment Process
- Eligibility Information
- The Resources Available To You


Please Note: All team members are required to complete an active enrollment, even if you choose to waive all voluntary benefits. Details on this are below.
 

START HERE...

If you would like to review our 2025 New Hire Presentation, which reviews all benefits in more detail as well as the information listed below, click here.

If you would like to review our 2025 New Hire Benefits Guide, click here.


Important Documents

Enrollment Process

You will need the following information to complete your enrollment:

  • Your name, date of birth, and Social Security Number.
  • The name(s), date(s) of birth, and Social Security Number(s) of your dependent children up to age 26 (if applicable).
  • Your spouse's name, date of birth, and Social Security Number (if applicable).
  • Your current mailing address.
  • The full name, address, and date of birth of your life insurance beneficiary (must be at least 18 years old). This is required for all enrollments, as we provide Basic Life Insurance at no cost to you.
     

For your convenience, we offer 2 ways to enroll in your new benefits:

  1. By Telephone: Simply call the Benefits Service Center at (770) 295-1100. The Benefits Service Center hours are Monday - Thursday from 8:00 AM - 6:00 PM. Our Benefits Specialists will explain your choices and complete the enrollment for you.
     
  2. Online Enrollment: You can access our online enrollment portal here.
     
    • Step 1: Click "Get Started Now". You will be prompted to enter your email address, the last 4 digits of your Social Security Number, and your Date of Birth. You will then be prompted to create a password.
       
    • Step 2: Click "Begin Enrollment" and follow the prompts. For future logins, your User ID will be your email address.
       

After you have completed your enollment:

Once you have completed your new hire enrollment, you will receive a confirmation statement. Please review this carefully and contact the Benefits Service Center at (770) 295-1100 if you need to make any changes.

Eligibility Information

Team Member Eligibility:

Team members must work 30+ hours per week to qualify for the benefits package.

You are eligible for benefits on the 1st day of the month following 60 days from your hire date. You must enroll in benefits by the 25th of the month before your effective date.

  • Example:
    • Hire Date: Jan 15
    • 60 Day Mark: March 15
    • Enrollment Deadline: March 25
    • Benefits Effective Date: April 1

As a New Hire, you can elect up to $200,000 in Life Insurance with No Health Questions. This is referred to as a Guaranteed Issue amount and is only available during your new hire enrollment. Future elections (or increases) will require a health questionnairre to be completed, which will determine your eligibility status.

IMPORTANT: Your voluntary benefits (Medical, Dental, Vision, Voluntary Life Insurance, Disability, Accident, Critical Illness and Identity Theft) will ALL be waived if you do not complete your enrollment.

*Note: The Employee Assistance Program through SupportLinc is available to ALL team members, beginning immediately on your date of hire. More information on this program is available here.


Spouse Eligibility:

  • Spouses must be legal spouses to be eligible for benefits
  • Same gender legal spouses are eligible
  • Common law spouses are not eligible
  • Domestic partners are not eligible
  • Spouses with other employer-sponsored covereage are not eligible

You will need the following documentation to complete enrollment for your spouse:

  • Online Affidavit during enrollment
  • Signed Spousal Affidavit
  • 2 pieces of Joint Marital Documentaion
    • Marriage Certificate +
    • Mortgage Statement, Utility Bill, Tax Statement, Bank Statement, etc.

After you have completed enrollment:

  • You will receive an email from the Benefits Service Center following enrollment.
  • Documentation is due within 30 days of your effective date.


Dependent Eligibility:

  • Natural, adopted, and stepchildren are all eligible for benefits up to age 26
  • Coverage ends at the end of the month of their 26th birthday
  • Grandchildren are not eligible
  • Disabled dependent children are eligible with no age limit

Your Resources

You have several Resources available to you regarding your benefits package as well as various company information. Below is a listing of each resource and when to use it.

The Jim Ellis Benefits Website:

On our benefits website, there is detailed information regarding each individual benefit offered to you. This is also where you can access all important documentation related to each, individual benefit. Those documents are located here.
 

Benefits Service Center:

Our Benefits Specialists are here to assist you with any benefits questions you may have on Monday - Thursday from 8:00 AM - 6:00 PM and on Friday from 8:00 AM - 5:00 PM.

Jim Ellis Team Member Portal:

The Team Member Portal is your online resource for:​​​​

  • Company events, news, and announcements (located on the Welcome Page)
  • Viewing and updating your personal information (address changes, dependent changes, etc.)
  • Viewing attendance, paid time off, and sick time
  • Viewing and printing benefits forms
  • Searching the company directory
  • Accessing your Jim Ellis email
  • And much more...

To register for the Team Member Portal:

  • Visit https://workforcenow.adp.com
  • Click on the first bullet point: "First Time Users Register Here"
  • When asked for your Registration Code enter: JIMELLIS-ADPNET (registration code is case-sensitive)
  • You must register with your full name as it appears on your pay
    check.
  • Please read carefully and select your security questions.
  • Enter your contact information accurately so you may receive
    emails from the company and your activation code for the
    portal from ADP.
  • After your initial registration, you can access the Portal from
    anywhere at anytime, using a laptop, desktop, or mobile device.
  • If you do not have your own desktop, you can access your Jim
    Ellis email through the Portal. A link to the email login screen is
    located on the Welcome Page. You are encouraged to check
    your email regularly for inter-company communication!

Please direct questions about the Employee Portal to:

Telemedicine

The Teladoc telemedicine benefit is available for all full-time, benefits-eligible Jim Ellis team members and your family members. Teledoc’s telemedicine benefit provides 24-hour access to board-certified licensed physicians . This convenient benefit helps you and your family members get the care you need when you need it.  Speak with a licensed physician for non-complex medical needs and advice. Medical members access Teladoc through the HealthJoy healthcare guidance app. Team members not enrolled in medical access Teladoc by contacting Teladoc directly at www.teladoc.com/mobile or 800-Teladoc.

 

Important Documents

Teladoc members can consult with a physician 24/7/365 by phone, online video, or mobile app from anywhere. You can get advice and treatment for non-emergency medical concerns.  You can also use Teladoc for medical advice and care in the following situations:

  • When your primary care physician is not available or accessible.
  • After normal business hours, nights, and weekends.
  • When you are at home, traveling, or don’t want to take time off work for a doctor’s appointment.
  • When you need a prescription refill (not all scripts will be filled by your Teledoc physician).

Consult Fees

$0 Consult Fee for General Medical Appointments

Common Medical Conditions Treated

  • Allergies
  • Bronchitis
  • Sinus issues
  • Cold / flu
  • Headaches / migraines
  • Respiratory infections
  • Stomach ache and diarrhea
  • Urinary tract infections
  • And more

Benefits of Using Teladoc

  • Quicker recovery
  • Save time and money
  • Choice of consultation method
  • Convenient prescriptions

Reasons to Use Teladoc

How to Access Coverage

Medical Plan Participants
Access Teladoc through the HealthJoy portal at www.healthjoy.com

 

Employees and Dependents Not Enrolled in Medical
Access Teladoc through www.teladoc.com/mobile or by calling (800) Teladoc (835-2362)

  • Detailed instructions are available here.
  • Members must register with the name on file (Matt vs Matthew)
  • When registering, do not click, "I received a registration code from my employer or Insurance Company."
  • Add any dependents when registering for your account so they can seek services when needed.

Employee Assistance Program

Jim Ellis is pleased to provide the SupportLinc Employee Assistance Program (EAP) for all team members (including part-time employees) that you can use upon your date of hire with no waiting period. SupportLinc offers expert guidance to help address and resolve everyday issues.  Click here to watch a video for more information on this valuable new program: SupportLinc EAP Overview Video.

 

What Is SupportLinc?
Designed to help you manage life’s challenges as well as balance home and work, SupportLinc is a no-cost, confidential program available to you and your family members. Licensed counselors are available 24 hours a day, 365 days a year, for support, guidance, and referrals to help you resolve a broad range of concerns.

 

For additional information regarding the SupportLinc EAP program, please register and watch this recorded webinar.

From the everyday issues like job pressures, anxiety, relationships, financial pressures, personal grief, loss, or a disability, SupportLinc can be your resource for professional support.  You and your benefit eligible family members can access this program at any time.

The service includes in-the-moment support, and up to 8 face-to-face or virtual sessions per issue per year, so each member of your family can get counseling help for their own unique needs.  Text therapy is also available.  1 week of text therapy would count as one session, so up to 8 weeks of text therapy is available.

 

Important Documents

Important Notes

SupportLinc Employee Assistance Program (EAP) is available whenever is most convenient for you, to address anxiety, work-related pressures, relationships, home responsibilities, substance abuse, and much more.

 

  • Call (888) 881-LINC (5462) for in-the-moment support from a licensed clinician 24/7/365
  • Visit the web portal, www.supportlinc.com, to learn more about video coaching, text therapy, and self-guided resources
  • Use Live Chat on desktop or mobile
  • Email a question to support@curalinc.com
  • Up to 8 face-to-face or virtual sessions per issue per year including clinical and coaching
  • Text therapy: up to 8 weeks per issue per year

 

Information and help are free and completely confidential.  You can contact the SupportLinc program 24 hours a day, 365 days a year.  To get started, call (888) 881-5462, or log in to the SupportLinc web portal or eConnect® mobile app with group code: jimellisautomotivegroup.

Services Available

Information and help are free and completely confidential.  You can contact the SupportLinc program 24 hours a day, 365 days a year.  To get started, call 1-888-881-5462, or log in to the SupportLinc web portal or eConnect® mobile app with group code: jimellisautomotivegroup.

Identity Theft

Every 2 seconds, thieves steal another identity. Your identity includes more than your Social Security Number and bank accounts. The Allstate Identity Protection Pro Plus Plan does more than monitor your credit reports and scores. It safeguards your personal information and the data you share. Allstate Identity Protection gives you the tools and protection to monitor activity, stop identity theft early, and resolve it quickly. Most victims only discover they have a problem when they are denied credit or receive bills for items never ordered. We encourage you to consider this benefit as a proactive step to help protect your personal information.

The Allstate Identity Protection plan has extensive protection for you and your family.

Identity Theft Protection is designed to help you regain control of your name and finances after identity theft occurs. Trained counselors walk you through the process of remediating any damage. They help you write letters to creditors and debt collectors, place a freeze on your credit report to prevent an identity thief from opening new accounts in your name, and guide you through the restoration process. Benefits include but are not limited the below.

Identity Theft

  • Proactive Credit Monitoring
  • Credit Score Tracking
  • Social Media & Dark Web Monitoring
  • Student Loan Activity Alerts
  • Lost Wallet Protection
  • Data Breach Notifications
  • Credit Freeze & Dispute Assistance
  • Stolen Fund Reimbursement
  • IP Address Monitoring
  • Deceased Dependent Protection
  • 24 / 7 Remediation Support

Employment Termination of Coverage

Your Identity Theft plan will terminate on the last day of the month in which your employment termination occurs. This means that your coverage will conclude at the end of that specific month.

Wellness

Employee health and wellness is a priority for Jim Ellis.  The Jim Ellis Wellness Program is designed to help you improve your health with incentives when you complete simple tasks.  When you comply with the requirements by the due date, you avoid potential surcharges.

 

Important Documents

Surcharges are deducted post-tax on a quarterly basis.  Upon compliance, the surcharges are discontinued at the beginning of the following quarter of compliance. 

Avoiding the Tobacco Surcharge

To avoid the separate $25 per month surcharge, you must complete the non-tobacco affidavit or be an active participant in tobacco cessation by the deadline.

  1. Obtain the non-tobacco affidavit from the Resources page or Human Resources.
  2. Complete and sign the affidavit within 60 days of your benefits effective date (or by the annual due date) to avoid the surcharge.
  3. Submit the affidavit to Yvonne Teague in Human Resources to ensure it is processed timely.

If you use tobacco products and participate in the smoking cessation program, the tobacco surcharge is waived.  Free tobacco cessation program is offered through Truth Initiative and more information on this will be coming soon.

 

 

Note: Tobacco products include all forms of tobacco, including but not limited to cigarettes, e-cigarettes containing nicotine, vapes containing nicotine, and chewing tobacco.

Gym Membership

Disability

Disability coverage provides an income replacement benefit in the event you are unable to work due to an illness or accident and become disabled. Up to 1 in 4 (27%) of adults in the U.S. have some type of disability.

 

Important Documents

Short-Term Disability (STD) provides a benefit to replace a portion of your income for a short period of time.  The benefit amount is 60% of your earnings and the benefit duration is 13 weeks.

Long-Term Disability (LTD) pays you an income benefit every month up to age 65 as long as you remain disabled.  The benefit amount for LTD coverage is also 60% of your earnings.

 

Should you choose not to elect LTD coverage as a new hire, underwriting approval and an Evidence of Insurability (EOI) form will be required for future elections. Team members should select Voluntary Long Term Disability when completing the EOI Form.  There is no EOI requirement for future election of Short Term Disability.

Pre-Existing Conditions

Pre-Existing Condition Exclusion for Long Term Disability

The plan pays a limited benefit under the Long Term Disability plan for disabilities caused by pre-existing conditions during the first 12 months of disability coverage. 

A pre-existing condition is a sickness or physical condition for which you have been diagnosed or treated during the immediate 12 months prior to your coverage effective date.

You may elect up to the maximum benefit as a new hire with no health questions. 

Short-Term Disability Summary of Benefits
Benefit Amount 60% of weekly earnings
Maximum Weekly Benefit $500 (tax-free)
Maximum Benefit Period 13 weeks
Benefits Begin 1st day due to injury
8th day due to illness
Long-Term Disability Summary of Benefits
Benefit Amount 60% of monthly earnings
Maximum Weekly Benefit $5,000 (tax-free)
Maximum Benefit Period To age 65 or Social Security
Normal Retirement Age
Benefits Begin 91st day of disability

Employment Termination of Coverage

Disability coverage ends on your date of employment termination. 

Accident

Jim Ellis offers an accident plan through Voya Financial to protect you from unexpected non-occupational accidents, as it can be difficult to financially plan for the unexpected.  This plan provides a benefit payable according to a schedule, and the funds may be used for any purposes, including helping to pay for medical out-of-pocket costs like deductibles and coinsurance.  The expenses must result from a non-occupational / non-work related accidental injury. 

 

Important Documents

This plan reimburses you for your medical expenses according to the schedule and the benefit is paid directly to you. Coverage options are available for you, your spouse, and your dependent child(ren). It also includes a benefit for death, loss of limbs, hospital visits, and transportation by ambulance – as a result of a covered accident. Reference the plan summary below for more details.

Injury 2024 Benefit 2025 Benefit
Hospital Care
Surgery - Open abdominal, thoracic $1,000 $1,200
Blood $500 $600
Admission $1,125 $1,500
Confinement $350 / day up to 365 days $350 / day up to 365 days
Transportation $650 / trip up to 3 per accident $750 / trip up to 3 per accident
Lodging $150 / day up to 30 days $180 / day up to 30 days
Accident Care
Initial doctor visit $75 $100
Urgent care $200 $225
Follow-up doctor treatment $75 $100
Medical equipment $100 $200
Speech & physical therapy $40 up to 6 per accident $50 up to 10 per accident
X-Ray $40 $75
Common Injuries
Burns: 2nd and 3rd degree $1,125 to $12,500 $1,250 to $15,000
Emergency dental work $75 to $300 $90 to $350
Eye injury $80 to $275 $100 to $350
Torn knee cartilage $175 to $650 $225 to $800
Lacerations $25 to $400 $30 to $480
Tendon, ligament, rotator cuff $350 to $1,000 $425 to $1,225
Concussion $175 $300
Paralysis $13,500 to $20,000 $10,000 to $24,000
Injuries - Dislocations
 Non-surgical | Surgical Non-surgical | Surgical
Hip joint $3,200 | $6,400 $3,850 | $7,700
Knee $2,000 | $4,000 $2,400 | $4,800
Ankle or foot bones (other than toes) $1,200 | $2,400 $1,500 | $3,000
Shoulder $1,500 | $3,000 $1,600 | $3,200
Elbow, wrist $900 | $1,800 $1,100 | $2,200
Finger / Toe $250 | $500 $275 | $550
Hand bones (other than fingers), lower jaw, collarbone $900 | $1,800 $1,100 | $2,200
Partial dislocations 25% of the non-surgical benefit 25% of the non-surgical benefit
Injuries - Fractures
 Non-surgical | Surgical Non-surgical | Surgical
Hip $2,500 | $5,000 $3,000 | $6,000
Leg $1,800 | $3,600 $2,500 | $5,000
Ankle, hand, wrist $1,500 | $3,000 $1,800 | $3,600
Collarbone $1,200 | $2,400 $1,440 | $2,880
Rib(s) $350 | $700 $400 | $800
Shoulder $1,500 | $3,000 $1,800 | $3,600

Important Notes

  • Team members are eligible regardless of age
  • Spouses age 70 and older are not eligible to elect coverage. For 2025 coverage, this does not apply.
  • Coverage for eligible child dependent(s) is up to age 26

Sports Accident Coverage

The Voya Accident plan pays an additional 25% of the Hospital Care, Accident Care, and Common Injuries benefits to a maximum of $1,000 if the covered accident is as a result of an organized       sporting activity.

How to File a Claim

• Go to voya.com/claims.
• Select “Get Started” and then click “Let’s Get Started.”
• Click the button beside “Policyholder,” and then select who the claim is for.
• Click “Continue” and enter the required information.
• Your Group Name and Number are: Jim Ellis Automotive Group | 70271-4

Exclusions

All sicknesses including pregnancy, work-related injuries, services not medically necessary, being intoxicated in accordance with state laws, alcoholism, voluntary inhalation of gas/fumes/taking of poison, driving in any race or speed test or while testing an automobile or vehicle on any racetracks or speedway, injury while skydiving, hang gliding, parachuting, scuba diving, rodeo, or aviation except flight in a scheduled passenger aircraft, being under the influence of a narcotic/drug, intentionally self-inflicted injury, hernia, carpel tunnel syndrome, or any complication therefrom, bacterial infections.

Employment Termination of Coverage

Your Voya Accident plan will terminate on the last day of the month in which your employment termination occurs. This means that your coverage will conclude at the end of that specific month.

Critical Illness

Jim Ellis offers a Critical Illness benefit through Voya Financial that provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses upon diagnosis of a covered illness.  Critical Illness insurance helps you and your family maintain financial security during the recovery period of a serious medical event, such as cancer, heart attack, or stroke.  This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force.  (See certificate for complete details.)

 

Important Documents

Coverage amount for employees and spouses are available in $5,000 increments, as follows:

Team Member: $5,000 to $30,000

Spouse: $5,000 to $15,000

Child(ren): $1,000, $2,500, $5,000 or $10,000

 

The team member must be enrolled in coverage to elect spouse or child coverage, but the spouse coverage level cannot exceed the coverage elected on the team member.  There are no health questions when enrolling in this benefit, but the benefit will reduce by 50% at age 70 for both team members and spouses.  Effective January 1, 2025, there is no benefit reduction at age 70. Additional information on the plans is below.

Features

  • Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you

    • This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force.  (See certificate for complete details.)

  • This product could pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)

  • Benefits may be used however you'd like.  Typical uses include:

    • Out-of-pocket medical and non-medical expenses

    • Home health care needs and home modifications

    • Recovery and rehabilitation

    • Child care or caregiver expenses

    • Travel expenses to and from treatment centers

Wellness Benefit Included

The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:

  • Chest X-Ray
  • Mammogram
  • Hemocult
  • Colonoscopy
  • CA 125 and CEA blood tests
  • Prostate specific antigen testing
  • Pap Smear

 

2024 Wellness Benefit Amount

  • Team member: $50
  • Spouse: $50
  • Child(ren): $25 (maximum of $100 for all covered children

2025 Wellness Benefit Amount

  • Team member: $75
  • Spouse: $75
  • Child(ren): $75 per covered child, per calendar year

How to File a Claim

  • Go to voya.com/claims.
  • Scroll down to the “Have a Wellness Benefit Claim?” section and click the “Start your claim” button.
  • Select “Policyholder” and complete the information requested.                            
    • Your Group Name and Number are: Jim Ellis Automotive Group 70271-4
Covered Diagnoses
Cancer (see certificate definition)
Carcinoma in situ (limited benefit)
Heart attack
Stroke
Major organ failure
End state renal (kidney) failure
Permanent paralysis
Coma (see certificate definition)
Coronary artery bypass surgery (limited benefit)
Deafness, blindness
Benign brain tumor
Occupational HIV
Enhanced 2025 Covered Diagnoses and Enhancements
Carcinoma in Situ (50%)
Coronary Artery Bypass (100%)
Sudden Cardiac Arrest
Type 1 Diabetes
Severe Burns
Transient Ischemic Attacks (10%)
Ruptured or Dissecting Aneurysm (10%)
Abdominal Aortic Aneurysm (10%)
Thoracic Aortic Aneurysm (10%)
Open Heart Surgery for Valve Replacement or Repair (25%)
Transcatheter Heart Valve Replacement or Repair (10%)
Coronary Angioplasty (10%)
Implantable (or Internal) Cardioverter Defibrillator (ICD) Placement (25%)
Pacemaker placement (10%)
Bone marrow and stem cell transplant (50%)
Multiple Sclerosis
Amyotrophic Lateral Sclerosis (ALS)
Parkinson's Disease
Advanced Dementia including Alzheimer's Disease
Huntington's Disease
Muscular Dystrophy
Infectious Disease (Hospitalization Requirement - 25%)
Additional Infectious Condition Diagnosis Benefit - $100
Additional Infectious Condition Hospital Confinement Benefit - $1,000
Addison's Disease (10%)
Myasthenia Gravis (50%)
Systemic Lupus Erythematosus (50%)
Systemic Sclerosis - Scleroderma (10%)
2025 Covered Conditions for your insured children:
Cerebral Palsy, Congenital Birth Defects, Cystic Fibrosis, Down Syndrome, Gaucher Disease - Type II or III, Infantile Tay Sachs, Niemann-Pick Disease,
Pompe Disease, Type IV Glycogen Storage Disease, Sickle Cell Anemia, Type 1 Diabetes, Zellweger Syndrome

Employment Termination of Coverage

Your Critical Illness policy will terminate on the last day of the month in which your employment termination occurs. This means that your coverage will conclude at the end of that specific month.

Life Insurance

In order to provide you and your family with financial protection in the event of your death, Jim Ellis provides Basic term life insurance and Accidental Death and Dismemberment coverage, or AD&D.  If you die as a result of an accident, the plan also pays either the amount of your life insurance or a percentage for loss of limbs, speech, hearing, and more.

Voluntary Term Life is also available and provides the opportunity to supplement the life benefit provided by Jim Ellis.  You may want to consider purchasing additional life insurance at favorable group rates. 

 

Important Documents

Beneficiaries

You will be required to provide your beneficiary information at the time of your enrollment. A beneficiary is a person who would receive your life insurance benefit in the event of your death.

 

Evidence of Insurability (EOI)

As a new hire, you are able to elect up to the Guarantee Issue of $200,000 for yourself and $50,000 for your spouse with no health questions. Should you wish to elect an amount that exceeds the Guarantee Issue, an Evidence of Insurability Form is required.  You may obtain an EOI Form from the Resources page or by calling the Benefits Service Center.  Most new and additional elections at Annual Open Enrollment also require an Evidence of Insurability (EOI).  To apply, simply complete the form and submit it to Anthem for review.  You will not be deducted for your pending amount unless / until you are approved.

Important Notes

  • There is no age cap to be eligible to enroll
  • Spouse life cannot exceed 50% of team member amount
  • Spouse premiums are based on the spouse's age
  • Child(ren) can be covered until age 26
  • Beneficiary information is required upon enrollment
  • Accidental Death and Dismemberment (AD&D) coverage is included
    • Benefit is doubled in the event of death due to accident
  • If you are below age 60 and diagnosed with a terminal illness with a life expectancy of less than 12 months, you may collect 75% of your life insurance benefit, up to $250,000, prior to your death. See certificate for details.

Maximums and Age Reductions

Plan Maximums

Team Member Life: Up to 5x earnings in $10,000 increments to a maximum of $500,000

Spouse Life: Up to 50% of employee amount in $5,000 increments to a maximum of $100,000

Child Life (15 days to Age 26): $10,000 coverage up to age 26

Guarantee Issue Amounts

Team Member Life: $200,000

Spouse Life: $50,000

Child Life: $10,000

Age Reductions

The team member and spouse voluntary life benefits reduce to 65% of original benefit following your 65th birthday and to 50% of original benefit following your 70th birthday.  The change will take place on January 1 following the birthdays.

Employment Termination of Coverage

Your life insurance coverage plan will cease on your termination date. You will have the opportunity to convert your Basic Employer-Paid Life Insurance and Group Voluntary Employee-Paid Life Insurance policy into an individual policy. To do so, you must complete a portability application within 30 days from your employment termination date.

This option allows you to maintain life insurance after your employment ends. Contact the Benefits Service Center at (770) 295-1100 for additional information regarding the portability process. 

Vision

The Anthem vision plan provides a benefit for an eye exam, eyeglass frames, and contact lenses or eyeglass lenses.  If you visit an in-network provider, you pay a copay for your standard eye exam, and the plan pays a benefit of up to $250 for frames and contact lenses.  There are additional copays and costs that could apply for a contact lens exam and eyeglass lens options.  With the Anthem vision plan, you may visit any vision provider.  However in order to maximize your vision benefit, we encourage you to visit an in-network provider. 

 

Important Documents

Frequency limitations: The exam benefit, lenses benefit, and frames benefit are all once per calendar year. Either the eyeglass benefit or the contact benefit may be used in the same benefit period.

Participating vision provider information can be found on the Resources page.

Vision Summary of Benefits In-Network
Eye Exam
Standard $20 copay
Eyeglass Lenses
Single $20 copay
Bifocal $20 copay
Trifocal $20 copay
Lenticular $20 copay
Lens Options
Transitions (children to age 19) $0 copay
Standard Polycarbonate (children to age 19) $0 copay
Factory Scratch Coating $0 copay
Standard Progressive $65 copay
UV Coating $15 copay
Standard Polycarbonate (Adults) $40 copay
Eyeglass Frames
 Plan pays $250 less $20 copay, then 20% off balance Additional pairs: 40% discount
Contact Lenses
Conventional & Disposable $250 allowance, then 15% off balance
Medically necessary (see definition below) Covered in full

Frequencies

  • Exam: Once per calendar year
  • Lenses: One pair per calendar year
  • Frames: One pair per calendar year

 

The plan covers either contact lenses OR eyeglass lenses once per calendar year.

Medically Necessary Definition and Process

The definition of medical necessity for vision coverage is as follows:

  • Non-elective (medically necessary) contact lenses are prescribed by a doctor solely for purposes of correcting a specific medical condition that prevents your vision from being corrected to a specified level of visual acuity using conventional eyeglasses. Choosing contacts over glasses for a standard prescription is considered elective/cosmetic.
  • Medically Necessary: Contact lenses that are applied to meet the requirements related to eye conditions. These eye conditions prevent the member from achieving a specified level of visual acuity with conventional spectacle lenses; the contact lenses may be any modality (soft conventional, soft disposable gas permeable, etc.) depending on the eye condition and the recommendation of the provider.

The provider provides an examination, and if the member has qualifying conditions that determine the member to be qualified for medically necessary contacts by the provider, then the in-network provider submits a preauthorization. The preauthorization process is not a pre-approval process; it is an eligibility review.  The preauthorization will be screened and sent to the National Optometric Director for approval.  Upon approval the provider will need to submit both the claim, preauthorization, and approval for processing.

Employment Termination of Coverage

Your vision insurance coverage will conclude on the last day of the month in which your employment termination takes place. 

Your vision coverage is a COBRA eligible benefit. Under COBRA regulations, you have the opportunity to extend your vision benefits for up to a maximum of 18 months from the date your coverage ends. This enables you to maintain access to the same vision benefits you enjoyed as an active Jim Ellis employee. 

Following your employment's conclusion with Jim Ellis, you will receive a comprehensive COBRA continuation notice with details on how to continue your vision coverage through COBRA. 

Dental

Jim Ellis offers a comprehensive dental plan with an extensive network of dentists through Anthem.  We encourage you to use network dentists in order to help manage the long term costs of the dental plan and reduce your out-of-pocket costs. 


Important Documents

The Anthem dental plan provides coverage both in and out-of-network.  However, you will make the most of your dental plan benefits if you visit participating Anthem dentists.  We encourage you to use a participating dental provider to reduce your out-of-pocket costs and help manage the long term costs of the plan.  Participating dentist information can be found on the Resources page.

 

Below is a benefit summary of your annual deductible and co-insurance costs.

Calendar Year Deductible
 		$50 individual | $150 Family
Does not apply to preventive or orthodontic care
Calendar Year Maximum
 $5,000
Orthodontia:
Children to age 19 only
 Plan pays 50%
$1,000 lifetime maximum
Preventive Care (Deductible Waived):
 Plan pays 100%
Exams and cleanings: 2 per 12 months
Fluoride: 2 per 12 months (children under age 16)
Bitewing x-rays: Once per calendar year
Full mouth x-rays: Once per 5 years
Bitewing x-rays: Once per calendar year
Type B - Basic Services (After Deductible):
 Plan pays 80%
Sealants: Once per 3 years (children under age 16)
Space maintainers: Once per 5 years (under age 16)
Amalgam and composite fillings: once per tooth per 2 years
Type C - Major Services (After Deductible):
 Plan pays 50%
Oral surgery: Simple and surgical extractions
Root canal
Periodontal maintenance and surgery
Scaling and root planing
Crowns, dentures, and fixed bridges
Inlays / Onlays
Implant services
Please refer to the Certificate for a complete listing of covered services and frequency limitations.

Important Notes

  • No age limitations for coverage

  • $50 team member deductible / $150 family deductible (waived for preventive and orthodontic care)

  • 100% Preventive Coverage / 80% Basic Coverage / 50% Major Services

  • Members utilizing participating dentists will enjoy discounted dental fees in addition to protection from balance billing for charges above the dentist’s maximum allowable charges. Members utilizing non-participating dentists will have the same benefits but may be subject to balance billing.

 

Finding a Provider

Access www.anthem.com and select "Find Care" and then either login or select "Guest."  Select “Dental” for type of care, and then select “Georgia” in the drop down.  Select “Dental” for the type of plan, and then “Dental Complete” for the plan / network.

Unique Plan Features

Your dental plan through Jim Ellis includes:

  • Accidental Injury Benefit - coverage at 100%, no deductible or coinsurance up to the dental plan annual maximum.
  • Online resources: “Ask a Dental Hygienist” and Cost Estimator tool
  • Benefits such as extra cleanings, gum maintenance, fluoride, sealants, and more for members with certain health conditions.
  • International Emergency Dental Program: 100% coverage for emergency dental services while traveling abroad.

Claims Process

In-Network

  • Participating dentists file the claim and accept payment from Anthem
  • Team members should not need to pay at the time of service for participating providers

 

Out-of-Network

  • For out-of-network dentists, if the dentist does not agree to file the claim as out-of-network with Anthem, team member pays at the time of service and files a claim for reimbursement
  • Charges by out-of-network providers that exceed Usual & Customary charges are the member’s financial responsibility. (Member pays the difference between the actual charge and the plan’s U&C reimbursement level.)

Employment Termination of Coverage

Upon your employment termination, it's important to understand how your dental plan coverage will be affected.

Your dental plan coverage will end on the last day of the month in which your employment termination occurs.  

Your dental coverage is a COBRA eligible benefit. Under COBRA regulations, you have the option to extend your dental benefits for a maximum period of 18 months from the date of your coverage ending. This allows you to maintain access to the same dental benefits you had as an active employee.

Following your end of employment with Jim Ellis, you will receive a comprehensive COBRA continuation notice. This notice will provide you with additional details and instructions on how to proceed with continuing your dental coverage under COBRA. 

Enrollment and Questions: (770) 295-1100

General Questions:  benefits@jimellisbenefits.com.

Benefits

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