QUESTIONS & ANSWERS 2018 AUTONATION BENEFITS TABLE OF CONTENTS. 1 4 The Benefit Connection & Enrollment MSRP Biometric and Non-Tobacco Credits

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1 2018 ATONATION BENEFITS QESTIONS & ANSWERS TABLE OF CONTENTS QESTION TOPIC 1 4 The Benefit Connection & Enrollment 5 49 MSRP Biometric and Non-Tobacco Credits nitized Pricing Adding Dependents to Coverage BCBS In-Network Providers 59 Eligible Pay 60 Disability Coverage Flexible Spending Accounts SBCs and SPDs Definition of Spouse and Spouse Surcharge Healthcare Reform and the Insurance Marketplace 83 YouDecide ON YO.

2 2018 ATONATION BENEFITS 1. What are some key features I should know about? a. Benefits microsite Your one-stop benefits website It s your one-stop for benefits information! The Know Your Benefits website makes it easy to access benefits information, compare your plan options, link to enroll, schedule your MSRP screening and Advocate call, print ID cards, find providers, learn about Family Medical Leave Act and disability benefits, dental, vision, life insurance, Flexible Spending Accounts (FSA), find forms, and more! Visit to learn more! b. MyQHealth TM If you are enrolled in a national Blue Cross Blue Shield Brass, Bronze, Silver, Gold or Platinum medical plan option, navigating your benefits is now as simple as picking up the phone! Every national Blue Cross Blue Shield medical plan member can get fast, accurate and complete answers from MyQHealth TM. MyQHealth TM s Care Coordinators are your resource for fast, accurate answers and assistance with questions about providers, diagnostic tests and procedures, the MSRP Advocate Program, your plan medical and drug coverage, out-of-pocket costs and anything else to do with healthcare. Your personal care coordinator acts as your advocate to: Answer questions about upcoming tests and procedures. Pre-certify you for services to make sure you are covered. Explain your prescription drug coverage and how to use it. Help you review your MSRP Biometric Screening results. Assist you with finding cost-effective, quality providers. Help you resolve billing issues. Listen in strict confidence to your concerns and provide knowledgeable, caring assistance. Provide advice to help you lead a healthy life. MyQHealth TM makes it easier than ever for you and your family members to understand, use and get the greatest possible value from your medical and prescription drug benefits. c. Healthcare Bluebook TM If you are enrolled in a national Blue Cross Blue Shield Brass, Bronze, Silver, Gold or Platinum medical plan option, you have access to a great new price and quality comparison tool! The price for a medical service such as an MRI varies widely in your area. Knowing the charges for a medical service or procedure helps you avoid sticker shock and can save you hundreds or thousands of dollars in out-of-pocket costs. Healthcare Bluebook TM takes the mystery out of healthcare pricing. You can see a fair price that providers in your area charge and compare their pricing for a huge variety of healthcare services and procedures. Equally important, you can check independent, third-party quality rankings to find not only the most affordable, but also the best, providers for any given service. ON YO. 2

3 2018 ATONATION BENEFITS Knowledge is power you can use Healthcare Bluebook TM makes healthcare costs transparent and makes you a more informed consumer. Find the best, most affordable providers and know exactly what you will pay, so you can stay within your budget. Did you know that prices for the same medical procedure can vary by as much as 500% depending on the facility you choose? Bluebook s FAIR PRICE shows you the actual amount paid based on rates your health plan negotiates with each facility. Bluebook makes it easy to search for and see fair prices, and what each provider charges in comparison. You can access Healthcare Bluebook TM through the MyQHealth TM portal at or call to learn more and put Healthcare Bluebook TM to work for you. d. Pre-certification requirements You must pre-certify to be covered for certain services and procedures Pre-certifying helps reduce your out-of-pocket costs by avoiding duplicate services and making sure a service is covered by your medical plan. If you are a national Blue Cross Blue Shield Brass, Bronze, Silver, Gold or Platinum plan member, the following services will require pre-certification: MRIs, MRAs, CAT scans and PET scans, regardless of location Outpatient surgery Therapy (physical, occupational, speech, behavioral) Durable medical equipment over $500 and all rentals Dialysis Home healthcare Hospice Transplants Sleep studies Oncology services (chemotherapy and radiation) Hospitalizations including inpatient acute care, skilled nursing, skilled rehabilitation, and behavioral health or substance abuse Partial hospitalization and intensive outpatient for mental health or substance abuse e. Imaging and diagnostic lab tests are covered at free-standing facilities only if you are a national Blue Cross Blue Shield Brass, Bronze, Silver, Gold or Platinum plan member You must use free-standing (not hospital) facilities to be covered for imaging and diagnostic lab tests. Diagnostic lab tests, x-rays and imaging will only be covered in an outpatient facility when required during a visit to an emergency room, urgent care or retail clinic, or during an inpatient hospital stay or outpatient surgery. ON YO. 3

4 2018 ATONATION BENEFITS 2. Where do I go if I want to enroll or need more information about my benefits? How do I sign on? Go to and click Benefits Enrollment and Changes, then click the link Enroll Now. You can also log on at If you have questions, you can reach a customer service representative by phone Monday through Friday, 8 a.m. to 8 p.m. EST at BENE(2363). 3. What features are available online? Easy to navigate icons Medical Credit Chart view the MSRP healthy credits Tools to compare benefit options and prices MSRP Healthy Credit forms if you do not pass your MSRP Biometric Screening or use tobacco products Reference materials such as: Summary of Benefits and Coverage (SBCs), Summary Plan Descriptions (SPDs) and more Links to the insurance carriers websites to view which providers are in the medical and dental networks 4. How do I access The Benefit Connection enrollment site? Log on to If you are logging on for the first time, Click Are you a new user? and then enter the last 4 digits of your SSN and your birth date. Click Continue. Follow the prompts to create your ser ID and password. 5. What does MSRP stand for? MSRP stands for Medical Score Risk Predictor. This is the name of AutoNation s healthy incentive program. 6. Why is AutoNation offering the MSRP program? The MSRP program was created to provide you with the ability to become aware of any medical risks that you may have. 7. Why did AutoNation implement the MSRP Biometric Screening? Healthcare spending continues to increase. Reducing the rate of growth in healthcare costs requires awareness, action and accountability since both you and AutoNation share in the cost of medical coverage. While there is no single formula for lowering this cost increase, we must make changes to help control the rising costs. If we identify and understand risks up front, you can then choose to prevent chronic conditions such as heart disease and diabetes that can significantly impact rising medical costs. AutoNation intends to continue to provide high quality, affordable healthcare for you and your family in spite of the obstacles brought on by the Affordable Care Act (ACA). However, this requires each of us to continue to be aware and accountable for our health by making healthy lifestyle choices. This initiative will continue to be the driving force behind AutoNation s strategy to improve health and contain cost. 8. What healthy credits are available to me? There are financial incentives being offered by AutoNation to both you and your covered spouse. These financial incentives can equate to thousands of dollars off your expected medical cost for You will also have lower premiums for Additional Life Insurance and/or for Spouse Life Insurance if you enroll in these optional insurance plans. Please review the chart below to learn more. ON YO. 4

5 2018 ATONATION BENEFITS Take the following actions to earn your Healthy Credits. EMPLOYEE SPOSE Credit #1 MSRP Biometric Screening: EARN 25% off the total cost of medical coverage (if enrolled) MSRP Biometric Screening tests for 5 factors: BMI Blood pressure Glucose HDL cholesterol Triglycerides Be screened and pass 3 of 5 screening components or, if you fail, complete the alternative requirements by the deadline to earn the MSRP Biometric Healthy Credit. MSRP Biometric Screening: EARN 15% off the total cost of medical coverage (if enrolled) MSRP Biometric Screening tests for 5 factors: BMI Blood pressure Glucose HDL cholesterol Triglycerides Be screened and pass 3 of 5 screening components or, if you fail, complete the alternative requirements by the deadline to earn the MSRP Biometric Healthy Credit. Credit #2 MSRP Advocate: EARN 5% off the expected total medical cost of the employee portion of coverage (if enrolled) You must call a MSRP Advocate to discuss your MSRP results regardless of whether you passed or failed the MSRP Biometric Screening in order to get this credit. This credit applies to all employees who are screened (if you are not screened, you will not be eligible for this credit). MSRP Advocate: EARN 5% off the expected total medical cost of the spouse portion of coverage (if enrolled) You must call a MSRP Advocate to discuss your MSRP results regardless of whether you passed or failed the MSRP Biometric Screening in order to get this credit. This credit applies to all spouses who are screened (if you are not screened, you will not be eligible for this credit). Credit #3 Non-Tobacco Credit: EARN 20% off the expected total medical cost of the employee portion of coverage (if enrolled) During enrollment, you will be asked to answer a tobacco usage question. If you answer that you are not a tobacco user, you will receive the Non-tobacco credit. If you answer that you are a tobacco user you will have the option to complete a FREE tobacco cessation course and submit the course certificate, together with the Tobacco Cessation Affidavit, to The Benefit Connection within the applicable deadline. If you do not answer or select Prefer Not to Answer, you will not receive the credit. Non-Tobacco Credit: EARN 10% off the expected total medical cost of the spouse portion of coverage (if enrolled) The MSRP Biometric Screening for a spouse also tests for cotinine. If your spouse s cotinine test results are negative, your spouse will receive the Non-tobacco credit. If your spouse s cotinine test results are positive, your spouse will have the option to complete a FREE Tobacco Cessation course and submit the course certificate, together with the Tobacco Cessation Affidavit, to The Benefit Connection within the applicable deadline. Note: Detailed information on steps to take to achieve the alternatives to earn the healthy credits are included in questions #35 and #46. You can also go to and click the tile titled MSRP for more details. ON YO. 5

6 2018 ATONATION BENEFITS 9. Where do I go to complete my MSRP Biometric Screening? It s easy to participate. You can complete your screening at a Quest Diagnostics Patient Service Center nearest to you. Go online to and click the tile titled MSRP, then click on the button to schedule an appointment and you will be linked to the Quest Diagnostics website, where you can view locations, dates and times available to make your appointment. 10. Do I need to fast before my biometric screening? Yes. You should fast between 9 and 12 hours prior to your appointment. To ensure the most accurate results possible, follow these guidelines when preparing for your biometric screening: Do not eat or drink anything except water for 9 12 hours before your screening unless directed by your doctor. Drink at least two 8-oz glasses of water 1 2 hours prior to your screening to ensure proper hydration. Being properly hydrated is essential for a positive biometric screening experience. If you are on medication(s), please continue to take your medication(s) as prescribed. 11. What if I don t fast before the screening? Not fasting before the screening will alter your results and may lead to elevated numbers that will flag a risk factor. For the most accurate results please follow the steps outlined in question # How is the MSRP Biometric Screening performed? The screening consists of a simple blood draw, your height and weight measurements and a blood pressure check. The entire process typically takes less than 15 minutes. 13. What lab factors will the MSRP Biometric Screening include? The MSRP Biometric Screening is an assessment of 5 lab factors that are accurate predictive indicators of your risk for diabetes, heart disease or stroke. These factors are: Blood pressure HDL cholesterol (which is your good cholesterol) Triglycerides (which checks for fat in your blood) Glucose (which is your blood sugar) Body Mass Index (BMI) The screening for spouses also includes a cotinine test which tests for nicotine in the blood. Refer to question #45. ON YO. 6

7 2018 ATONATION BENEFITS 14. What are the measurements of the MSRP Biometric Screening that indicate a risk factor? In other words, if your results match the following, you have failed that measure. Blood Pressure Systolic equal to or greater than 130 Diastolic equal to or greater than 85 HDL Cholesterol Below 40 mg/dl in males Below 50 mg/dl in females Triglycerides Equal to or greater than 150 mg/dl Glucose (Blood Sugar) Equal to or greater than 100 mg/dl BMI (Body Mass Index) Equal to or above Why take a blood pressure measurement? Hypertension, commonly referred to as high blood pressure, is when the blood pressure is elevated. Hypertension is associated with a high risk of heart attack or stroke. A normal value for the systolic blood pressure is <120. You are considered pre-hypertensive if your systolic pressure is Stage 1 hypertension is and Stage 2 hypertension is 160. A normal diastolic blood pressure is <80, while pre-hypertensive is 80 89; Stage 1 hypertension is and Stage 2 hypertension is Why test for HDL cholesterol? If you have a low level of HDL cholesterol (the good cholesterol), you have an increased risk for heart disease. nlike other cholesterol levels, the HDL cholesterol test result is best if it is high. A normal value for males is equal to or greater than 40 mg/dl and equal to or greater than 50 mg/dl for females. 17. What do triglycerides measure? Triglycerides are fats in your blood. The level of triglycerides in your blood can indicate how efficiently your body processes the fat in your diet. A normal range is less than 150 mg/dl. 18. What is the importance of the glucose measurement? Glucose is the main source of energy for all cells in the body. The test measures the concentration of glucose in your blood to screen for problems with the way your body processes sugar. A glucose level above the expected range is called hyperglycemia and can suggest the possibility of diabetes. The normal range is below 100mg/dL. 19. What is Body Mass Index or BMI? BMI is a measure of body fat based on your height and weight. ON YO. 7

8 2018 ATONATION BENEFITS 20. Why should I know my BMI? BMI has been shown to be closely linked to risk for some types of heart disease, when not in the normal range. Obesity poses a huge public health problem as excess body fat contributes to a number of medical conditions/diseases. Not maintaining a healthy weight for your height can greatly increase your risk of developing coronary heart disease, diabetes, some cancers and other conditions such as gallstones. 21. How is BMI calculated? The formula is: (your weight in pounds/your height in inches) X 703 or follow these 3 steps: 1. Take your height in inches and multiply it by itself (i.e. 6 feet = 72 inches x 72 inches = 5,184 inches). 2. Take your weight in pounds and divide it by the number in step 1 (215 lbs./5,184 inches =.0414). 3. Multiply the number in step 2 by 703 (.0414 x 703 = 29.15). Find this number on the chart below. 22. What are the BMI ranges? BMI Weight Status Below 18.5 = nderweight = Normal = Overweight 30 and Above = Obese 23. Who can participate in the MSRP Biometric Screening? Eligible AutoNation employees and spouses can participate in the MSRP Biometric Screening at designated times during the year. 24. Do I have to participate in the MSRP Biometric Screening? I think this is intrusive and I do not want to have a blood draw. No, the screening is voluntary. You are still provided the opportunity to purchase healthcare through the AutoNation benefit program. However, if you do not participate in the screening you will not be able to take advantage of the MSRP biometric healthy credit which can equate to thousands of dollars in savings off of your AutoNation medical premiums for The MSRP Biometric Screening is a voluntary process. If you choose not to be tested you will not be eligible for the 25% MSRP Biometric Screening healthy credit for you and, if your spouse chooses not to be screened, he/she will not be eligible for their 15% healthy credit. You and/or your spouse will also not be eligible for the 5% MSRP Advocate credit and finally, your spouse, will not be eligible for the 10% Nontobacco credit. 25. How much will the MSRP Biometric Screening cost? The screening is provided FREE of charge to you. AutoNation is sponsoring the cost of the screening. ON YO. 8

9 2018 ATONATION BENEFITS 26. What happens if my spouse or I forget to complete the MSRP Biometric Screening and the deadline to do such has ended? You will not be able to get the MSRP biometric healthy credits applied to your medical and/or life insurance premiums. 27. I would prefer to have my MSRP Biometric Screening done by my personal physician. Is that allowed? Yes, that is an option. In order to get the healthy credits, all the tests outlined in question #13 must be completed. For spouses, a cotinine test must also be conducted to test for nicotine in the blood. Contact The Benefit Connection at for additional information on how to obtain a MSRP Physician Results form to take to your doctor and a MSRP Physician Reimbursement form to be reimbursed for the cost of your office visit. You will still have to call the MSRP Advocate to take advantage of the additional 5% healthy credit. 28. What if I have a medical condition and will not pass my MSRP Biometric Screening? Can I still get the healthy credits? Yes, you can still qualify for the healthy credits. See question #35 for details. 29. If I am on a leave of absence during the testing time period, will I be granted an extension to be screened? You will have the same opportunity to be screened during the same period as if you were actively at work. You can schedule your MSRP Biometric Screening at a Quest Diagnostics Patient Service Center near you. Or, if because of a medical condition you are unable to have a blood draw done, you can contact The Benefit Connection to find out how you can still qualify for the financial incentives and healthy credits. Additionally, if you are under medical treatment with your doctor, you can contact The Benefit Connection for a MSRP Physician Results form and have your physician complete the biometric screening. Therefore, no deadline extensions would be applicable. The screening deadlines still apply for these alternate methods. 30. My doctor does not want me to take the biometrics test, what should I do? Contact The Benefit Connection for the MSRP Biometric Physician Waiver form. You will need to take the form to your doctor and have the completed form submitted (with your office visit receipt) by the screening deadline. You will be reimbursed for what you had to pay for the doctor office visit. If your completed form is approved and received by the deadline you will be eligible for the MSRP Biometric healthy credits. 31. Will the company pay for my time off to go to the Lab to complete my biometrics? AutoNation is providing FREE biometric screening that can be scheduled at your convenience after work hours at any of the Quest Diagnostics Patient Service Centers near you. Since you have the opportunity to schedule at your convenience, around your work schedule, you will not need to take time off work to be screened. ON YO. 9

10 2018 ATONATION BENEFITS 32. If the screener is unable to draw my blood, can I still receive the healthy credits? In rare cases the screener may be unable to do a blood draw. Two options are available: a) you can be rescreened at a later date (still within the deadline period), or b) you can contact The Benefit Connection to obtain the MSRP Biometric Physician Waiver form. You would need to visit your doctor and have the form completed and submitted before the screening deadline. You will be reimbursed for the amount you paid for the office visit and if your completed form is approved and received by the deadline, you will be eligible for the healthy credits. 33. When and how will I get my MSRP Biometric Screening results? Approximately five business days after your screening you will receive an from Quest with a link to their website to view your results. You can also go online to and click the tile titled MSRP then click the button titled Schedule Your Screening or View Your Biometric Results. You will be linked to the Quest Diagnostics Blueprint for Wellness site. You will need to enter your ser Name and Password to log-in and view your results. Your personalized report has an easy-to-understand guide that compares your results to the nationally recognized industry norms. 34. What if I do not receive my results via ? Contact Quest Diagnostics at: Monday Friday 7:00 a.m. 8:30 p.m. CST and Saturday 7:30 a.m. 4:00 p.m. CST 35. If my MSRP Biometric Screening results indicate I have 3 or more risks can I still receive the healthy credits? Yes. Please follow the steps shown below: a. Access the MSRP Biometric Screening Program portal by going to b. Click the tile titled MSRP. c. Click the Learn More button within the tile titled Complete the Biometric Screening. d. Click the MSRP Biometric Screening Physician Affidavit form link. e. Print the form and schedule an appointment with your doctor. Take your MSRP Biometric Screening results and the MSRP Biometric Screening Physician Affidavit form to your doctor s appointment. Ask your doctor to complete the physician section. f. Get a receipt for any copay or cost that you paid for the doctor s office visit. The receipt should include your name, date of the visit, office visit cost you paid and the name of your physician. g. You will be reimbursed for your out-of-pocket cost for the physician s office visit only. Any other tests or procedures your physician chooses to perform will not be covered under the MSRP Program. To receive reimbursement, complete the MSRP Physician Biometric Reimbursement Form and attach a copy of your receipt. h. Submit the completed MSRP Biometric Screening Physician Affidavit form via fax to: by the deadline noted on the form if you are a new hire or have a Qualified Life Event during the year. i. Keep a copy of the form and receipt for your records. ON YO. 10

11 2018 ATONATION BENEFITS 36. Is it legal to require biometric screening by an employer? Isn t that an invasion of privacy? First, the MSRP Biometric Screening is voluntary. You do not have to participate. Secondly, it is legal for employers to provide incentives and screening programs to promote health awareness. As to privacy, if you chose to be screened any individually identifiable medical information obtained through the screening process is considered protected health information and is subject to the same privacy, storage and security requirements as any other sensitive medical information. 37. If my religious beliefs prevent me from participating in the biometric screening, what can I do to earn the financial incentives and healthy credits? Contact The Benefit Connection for the MSRP Biometric Physician Waiver form. You will need to take the form to your doctor and have the completed form submitted by the screening deadline. You will be reimbursed for what you had to pay for the doctor office visit. If your completed form is approved and received by the deadline you will be eligible for the healthy credits. 38. Does the MSRP Biometric Screening test for drug use? No, this screening does NOT test for any drug use. The test will measure your: Blood pressure HDL cholesterol (which is your good cholesterol) Triglycerides (which checks for fat in your blood) Glucose (which is your blood sugar), and Body Mass Index (BMI). The screening for spouses also includes a cotinine test which tests for nicotine in the blood. Refer to question # Who is performing the MSRP Biometric Screening? The tests are performed by professionally trained and licensed Quest Diagnostics staff. 40. Why is the biometric test taken via a blood draw instead of finger stick? The simple blood draw is the same as a doctor would order and is a more accurate, predictive method for reporting results. ON YO. 11

12 2018 ATONATION BENEFITS 41. Who sees my biometric results? Results are confidential and are only available to: You Quest Diagnostics AON/Hewitt s Medical Director for purposes of stratifying the data and analyzing the impact of the screening on risk factors to identify opportunities for program enhancements. Quantum Health, for purposes of administering the MSRP Advocate component of the program. Contracted third parties for the purpose of enhancing patient care services, assisting with Plan communications and/or Plan administration and management and processing your screening results and determining which healthy incentive credits apply to you. ATONATION DOES NOT SEE ANY INDIVIDAL RESLTS; ONLY DE-IDENTIFIED, AGGREGATE DATA. 42. What is the MSRP Advocate credit? Once you are screened, and regardless of whether you passed or failed the MSRP Biometric Screening, you and your covered spouse will each be eligible to receive an additional 5% credit off the total cost of your medical coverage just by calling the MSRP Advocate to discuss the results of your screening. You can schedule your call online at by clicking MSRP, or by calling You must schedule your MSRP Advocate appointment time prior to the deadline. Quest Diagnostics will have your results 3 5 business days after your screening. You can go online to view your results and print a comprehensive report. The MSRP Advocate will be available to discuss your results 5 business days after your results are posted. The MSRP Advocate will help discuss what areas you may want to focus on for improvement based on your screening results. You must take the MSRP Biometric Screening in order to participate in the MSRP Advocate program. ON YO. 12

13 2018 ATONATION BENEFITS 43. How do I schedule my MSRP Advocate call? a. Schedule your Advocate call by going online at and clicking the My Health section. You can also call a MyQHealth TM Care Coordinator to schedule at b. Click on the Health Coaching tab to find the Schedule Now button to schedule your MSRP Advocate call. ON YO. 13

14 2018 ATONATION BENEFITS c. Schedule your call by clicking on a time slot that is available in blue. You must schedule your MSRP Advocate call at least 4 hours in advance. The scheduler will adjust to your current time zone. If you need help, click Help in the top right corner to call a MyQHealth TM Care Coordinator. ON YO. 14

15 2018 ATONATION BENEFITS d. After clicking on an available time slot, you will request your appointment and be able to set a reminder via or text. 44. If I don t schedule my MSRP Advocate call, can I simply call the advocate without an appointment? In order to provide you with the best customer service experience, you must schedule your MSRP Advocate call ahead of time. nscheduled calls will not be allowed. ON YO. 15

16 2018 ATONATION BENEFITS 45. What do I need to do to earn the Non-Tobacco credit for my 2018 benefits? Employees: During your enrollment, there will be a tobacco usage question online. You will be asked to answer the question. If you answer that you are not a tobacco user, the non-tobacco healthy credit will be automatically applied. Spouses: The MSRP Biometric Screening for a spouse also tests for cotinine. If your spouse s cotinine test results are negative, your spouse will receive the Non-Tobacco credit. 46. If I (or my spouse) is a tobacco user, can I (or my spouse) still get the Non-Tobacco healthy credit (if I answer that I am a tobacco user online or if my spouse has a positive cotinine test result)? Yes. You (and your spouse) are able to qualify for the Non-Tobacco healthy credit by signing up and completing the tobacco cessation course. After you complete the course print the course completion certification; complete the Tobacco Cessation Affidavit form and submit both by the deadline. Follow the steps below: 1. Go to click MSRP, then click Learn More, in the tile Earn the Non-Tobacco Credit. 2. Complete the AutoNation Tobacco Cessation Course to earn your Non-Tobacco healthy credit. 3. Before starting the course, you will be prompted to enter your first and last name. 4. Once you ve completed the course, print the course completion certificate. 5. Print and complete the Tobacco Cessation Affidavit. To retrieve the form: a. Access the program portal at b. Click on the tile titled MSRP. c. Click the Learn More button in the tile Earn the Non-Tobacco Credit. e. Click the Tobacco Cessation Affidavit link. 6. Submit the completed Tobacco Cessation Affidavit and course completion certificate via fax to or via mail to the address below by the deadline noted on the form. The AutoNation Benefit Connection P.O. Box The Woodlands, TX Why are you picking on me for using tobacco products and not on people that drink heavily or other people who have bad lifestyle behaviors? Smoking and other tobacco use have been well documented in many medical journals and there is overwhelming medical evidence that indicates that using tobacco products and having an unhealthy BMI are the primary drivers of healthcare cost in the S; and is also a corollary of healthcare costs at AutoNation. By taking control of one s behavior and making better lifestyle choices you will lower or help hold medical cost/inflation down in the future, which will positively impact the cost trend in healthcare for all employees and their families. ON YO. 16

17 2018 ATONATION BENEFITS 48. My spouse is not currently covered under my medical coverage. I am thinking about adding my spouse to my coverage. How can my spouse complete the MSRP Biometric Screening? In order for your spouse to complete the MSRP Biometric Screening, you first have to add him/her as a dependent. Go to The Benefit Connection website at and add your spouse to our medical coverage. See question #52 for instructions on how to add a new dependent to coverage. 49. I dislike needles. What should I do to get through the screening? Here are some tips from the wikihow website: Remember to breathe slowly and deeply. Focus on maintaining your breathing. A slow, steady breath will calm your nerves and give your mind something to latch onto. Try not to look. Look away and try to focus on something engaging. Think about something else. Distract yourself! You could bring an ipod to listen to music to take your mind off of the screening. Try to relax! Remember to relax, look away, count from 1 to 10, or backwards from 10. When you are distracted, you are not thinking about the needle. By the time you reach the end of your countdown, the screening will be over and you ll be ready to leave. Tell yourself that it only takes a matter of seconds. 50. What is unitized pricing? nitized pricing was implemented to provide a healthcare cost sharing approach that more equitably aligns the cost of medical contributions with expected costs for employees and dependents. In general, a spouse of an AutoNation employee costs almost twice as much as an employee, while children cost about one-half as much. In response to employee feedback for a more fair and balanced premium system, insurance contributions are broken out by this equation. nitized pricing also enables incentives to be offered separately to each category. Simply, a unit is the recognized cost of each category of coverage: an employee, a spouse and a child. 51. I am covering five dependent children. I heard that unitized pricing caps at four dependents. Does that mean that my fifth dependent will not be covered? You can cover all of your eligible dependent children up to the age of 26, whether you have one child or 10 children. You will pay a premium amount for each child, up to four children. After the fourth child, the premium will remain the same (for the children portion of your premium, regardless of how many children you cover). For example, if the cost of adding one child to medical coverage is $20/pay period, then two children would be $40/pay period, three children would be $60/pay period and four children would be $80/ pay period. If you add any more children, thereafter, your dependent child portion of the premium will remain at $80. This amount gets added to your cost (and your spouse s) to equal your total premium cost. ON YO. 17

18 2018 ATONATION BENEFITS 52. How do I add a new dependent to coverage? You can add your dependent online through The Benefit Connection website at If you are adding your dependent during your New Hire enrollment: 1. Once you log on, on the Benefit Connection home page, click the New Hire Enrollment tile. 2. Review the Before You Enroll in Your Benefits steps. 3. Click the Add a Dependent button in Step 3 and follow the prompts to add your dependent information, OR 4. Click the green Enroll Now button and read and acknowledge the prompts leading to the Enroll In Your Benefits page. 5. Select the plan you wish to add your new dependent to by clicking the blue View/Change button. 6. Once in the plan you wish to add your new dependent to, scroll to the bottom of the page. nder Choose Who s Covered, click + Add a Dependent. 7. On the Add Dependent Information page, enter the dependent s information, and click the blue Continue button. 8. Select all plans you wish to add the dependent to and click the blue Continue button. 9. Review your added dependent(s) information and click the blue Continue button. 10. Once you are done making your elections click the green Complete Enrollment button to view a summary of your changes. You can print your confirmation page by clicking the Print This Page icon. 11. You must submit the Dependent Certification documents to The Benefit Connection as follows within 31 days of enrolling your dependent. See Where do I send the Dependent Certification form and supporting documentation? section below for instructions for submitting dependent certification documentation. 12. Once your documents are submitted, check The Benefit Connection website a few days later to see if your dependent(s) have been added to coverage. 13. Once approved, make sure to print a new confirmation statement with the updated pricing per pay period. Remember, dependents will NOT have coverage until the birth certificate(s) and/or marriage license is received by The Benefit Connection and has been approved. If you are adding a dependent through a Qualified Life Event (QLE): 1. Once you log on, on The Benefit Connection home page, click Life Events in the toolbar on the top of the screen to access the Life Events menu page. 2. Select the type of Life Event you wish to process, review the QLE Checklist, and click Change Your Coverage, and follow the prompts to access the Your Dependent Information screen. 3. Click Add, and follow the prompts to add your dependent information and complete your QLE. For example, if you want to add a dependent to your medical coverage, you will need to click the blue View/Change box next to Medical to add your dependent or make any changes to your medical coverage. Once you are on the page that lists the medical options available to you, scroll down to the bottom of the page to select the dependents you wish to cover. Then click the blue Continue button. ON YO. 18

19 2018 ATONATION BENEFITS 4. Once you are done making your elections click the green Complete Enrollment button to view a summary of your changes. You can print your confirmation page by clicking the Print This Page icon. 5. You must submit the dependent certification documents to The Benefit Connection within 31 days of enrolling your dependent. See question #53 for instructions on how to submit dependent certification documentation. 6. Once your documents are submitted, check The Benefit Connection website a few days later to see if your dependent(s) have been added to coverage. 7. Once approved, make sure to print a new confirmation statement with the updated pricing per pay period. Remember, dependents will NOT have coverage until the birth certificate(s) and/or marriage license is received by The Benefit Connection and has been approved. Pricing shown on the website is per pay period, and only reflects costs for employee coverage + VERIFIED dependents. If your dependent is not yet verified, the cost will not be updated until you complete the certification process and the dependent is approved. If you are adding a dependent without a QLE: 1. Once you log on, on The Benefit Connection home page, click Show More under the Highlights for You tile. 2. Click on the Dependent Summary tile on the screen to access the Your Dependent Information screen. 3. Click Add, and follow the prompts to add your dependent information 53. Where do I send the Dependent Certification form and supporting documentation? You can send the form by: Mail to: Dependent Verification Center P.O. Box 1401 Lincolnshire, IL Or via fax: Or upload via: The Benefits Connection website at If I do not see that my dependents were approved, what do I do? Contact a Benefit Connection representative at Monday through Friday, 8 a.m. 8 p.m. EST. 55. Why do I have to certify my dependents? We all share in the cost of benefits. To help manage the total cost of benefits, only those who are eligible can participate in the benefit plans. ON YO. 19

20 2018 ATONATION BENEFITS 56. How often will I need to certify my dependents? Once they are approved by The Benefit Connection you can keep them on coverage until they no longer meet the definition of an eligible dependent. The definition of an Eligible Dependent can be found in the Summary Plan Descriptions which are available online at The Benefit Connection website. Definitions are found in the back of the Summary Plan Descriptions under Important Definitions. However, every year a random dependent re-certification audit will take place between August 1 and September 30. If your dependents are selected for the audit you will need to complete the dependent re-certification form, verifying they are still your dependents and meet the plan definition. You do not need to resubmit a marriage license or birth certificates. If you do not sign, complete and send the re-certification form to The Benefit Connection by the September 30 deadline, your dependents will be dropped from coverage and offered COBRA. You can re-enroll the dependents if you have a Qualified Life Event (QLE) during the year that would allow that change or during the next Annual Enrollment Period. 57. How can I check if my current provider is part of the national BlueCross BlueShield network if I am not yet enrolled? 1. Go to 2. Enter the prefix QDW in the Your Plan Select a Plan field 3. Enter your location 4. Filter which type of provider you are looking for in the Select a Category drop down 5. se the search bar to indicate which specific specialty or provider s name you are looking for 6. The provider s that populate will be in network with your Plan 58. How can I check if my current provider is part of the national BlueCross BlueShield network if I am currently enrolled? 1. Go to: and register for your member website 2. Once registered, click on the Find a Provider tile in the lower left-hand corner of the home page 3. Then click on the link to the Blue Cross Blue Shield provider search site. 4. Enter the prefix QDW in the Your Plan Select a Plan field 5. Enter your location 6. Filter which type of provider (physician or facility) you are looking for in the Select a Category drop down 7. se the search bar to indicate which specific specialty or provider s name you are looking for 8. The provider s that populate will be in network with your Plan 9. You may also call the Care Coordinators at for assistance ON YO. 20

21 2018 ATONATION BENEFITS 59. What is Eligible Pay? Your Eligible Pay is used to determine Life Insurance and Disability benefit values and to calculate your premium amounts. The Life Insurance coverages, as well as the Disability Benefit Plan, use Eligible Pay. Eligible Pay is determined once a year, and is not adjusted for bonuses, transfers, rehires within 13 weeks, overtime, promotions, demotions or salary changes that occur during the Plan Year. Each year your Eligible Pay is based on earnings from the prior August 1 through July 31. For example, the 2018 Eligible Pay amount is calculated using your earnings from August 1, 2016 through July 31, If you have not been employed for a full year when the Eligible Pay is calculated, your Eligible Pay is based upon the average Eligible Pay for your job code. 60. Why should I enroll in the Disability Plan? Disability coverage provides you with a source of income if you are unable to work because of an illness, pregnancy, or injury that is not job-related. If you are not currently enrolled in the disability plan, consider how you will pay your bills if you are no longer able to work due to a disability. Short-term disability benefits begin after seven days if you are off work due to an illness or injury (that is not work-related), or pregnancy. Benefits continue for up to 25 weeks. Then long-term disability benefits begin if you continue to be disabled, even if it is work-related. Premium rates are based on your age and Eligible Pay. 61. What is a Flexible Spending Account? If you enroll in a Flexible Spending Account (FSA), you set aside money (on a pre-tax basis) that can be used to reimburse yourself for your and your family s out-of-pocket medical, prescription drugs, dental and vision expenses. This is called a Health Care Flexible Spending Account. There is also a separate Dependent Care Flexible Spending Account that allows you to set aside money (on a pre-tax basis) to reimburse yourself for your out-of-pocket child care and adult dependent care expenses. 62. What types of Flexible Spending Accounts does AutoNation offer? AutoNation offers a Health Care Flexible Spending Account and a Dependent Care Flexible Spending Account. 63. How much can I contribute to each of these accounts? If you are eligible, you can contribute as little as $24 or as much as $2,600 annually toward your Health Care Flexible Spending Account, and separately, $24 up to $5,000 annually toward your Dependent Care Flexible Spending Account. 64. Do I have to be enrolled in an AutoNation medical plan in order to participate in the Health Care Flexible Spending Account? No, you do not have to be enrolled in AutoNation s medical, dental or vision plans to take advantage of the Health Care Flexible Spending Account. ON YO. 21

22 2018 ATONATION BENEFITS 65. What is the deadline to file 2018 Flexible Spending Account claims? For expenses incurred from January 1, 2018 (or your benefits eligibility date, whichever is later) to December 31, 2018 you need to file your claim by April 30, What happens if I do not use the full amount in my Flexible Spending Account by the December 31 deadline? According to IRS regulations, the Flexible Spending Account Plan has a use it or lose it provision. Therefore, any unused or unclaimed Flexible Spending Account expenses not submitted by the deadline will be forfeited. 67. What is a Summary of Benefits and Coverage (SBC)? A Summary of Benefits and Coverage (SBC) summarizes important information about the medical coverage options in a standard format. The SBCs are intended to provide an apples-to-apples comparison of options to help in determining which medical option to choose. 68. What are Summary Plan Descriptions (SPDs)? Summary Plan Descriptions (SPDs) are documents that explain the benefits you may receive by enrolling in AutoNation s benefit plans. SPDs will help you understand the coverage provided, steps to follow to access plan benefits, specific exclusions or limitation under the plan and your rights (including appeals) and responsibilities as a member. 69. Where do I access my SPDs and SBCs? Summary Plan Descriptions (SPDs), which contain a comprehensive description of the benefit plans including the terms and conditions of participation, coverage and employee rights, and Summary of Benefits and Coverage (SBCs), which summarizes medical coverage options in a standard format, are available electronically by accessing The Benefit Connection website at: You can also request a paper copy of SBCs and SPDs at no charge from The Benefit Connection by calling Why is the Working Spouse Surcharge required if I cover my spouse under the AutoNation Medical Benefits Plan? The Working Spouse Surcharge only applies if your spouse is currently employed elsewhere and is eligible for his/her employer s medical coverage, but choses to be enrolled under the AutoNation plan instead. Due to healthcare reform, many employers are no longer covering spouses. These employers are structurally shifting their cost to employers like AutoNation. AutoNation is assessing the surcharge to help mitigate this cost shift. If your spouse is self-employed or is not working or is an AutoNation employee, the Working Spouse surcharge does not apply. 71. How much is the Working Spouse Surcharge? The surcharge is $150 per month, added to the medical contribution cost. ON YO. 22

23 2018 ATONATION BENEFITS 72. How is the term spouse defined under the IRS rules? The terms spouse, marriage, husband, and wife include spouses of the same or opposite sex if legally married under state or federal law. State law includes any domestic or foreign jurisdiction having the legal authority to sanction marriages. 73. Does spouse automatically include domestic partners? No, there is no Impact on Domestic Partnerships. The term spouse (and husband/wife or marriage) does not include individuals (whether the same or opposite sex) who have entered into a registered domestic partnership, civil union, or other similar formal relationship recognized under state law that is not denominated as a legal marriage under the laws of that state. 74. Does AutoNation recognize a common-law spouse? And wouldn t common-law be considered a domestic partnership? A common-law spouse is not included as an eligible dependent under the plan(s). 75. I want to add my spouse and stepchildren to my AutoNation coverage. Can I do that? The AutoNation plans cover stepchildren up to the age of 26. A dependent certification must be completed and supporting documentation such as a birth certificate for the stepchild must also be included with the certification. Additionally, a marriage license between the employee and the spouse (parent of the child or children) must be provided, proving the spouse is the parent of the child(ren). The documentation must be submitted by the deadline noted on the enrollment website. 76. Should I enroll in AutoNation medical benefits? We cannot make that decision for you. However, please be aware, in accordance with healthcare reform, as of January 1, 2014, most individuals are required to have health insurance or pay a tax if they don t. The AutoNation medical plans are considered Affordable and exceed the Minimum Value. Therefore, if you are eligible for the AutoNation medical benefits and you opt out of coverage you will not be eligible for the AutoNation premium subsidy or credits for the healthy lifestyle options and you lose the pre-tax contribution deduction. Further, you may be assessed a tax by the federal government if you do not have healthcare coverage. Additionally, if you opt out of coverage that is considered Affordable and provides Minimum Value, like the AutoNation plan does, you will be disqualified from receiving a subsidy from the federal government for the Marketplace coverages. 77. What is the Health Insurance Marketplace? Health Insurance Marketplaces (also known as Exchanges) have been established to create an easier way for consumers to buy health insurance. You will be able to compare the choices side-by-side. 78. Who runs the Marketplaces? The Marketplaces are run by the States, with the federal government stepping in if a state did not set them up. States can create multiple Marketplaces, so long as only one serves each geographic area, and can work to form regional Marketplaces. ON YO. 23