BENEFITS OWNER'S MANUAL - 2019 DRIVETIME - The Genius Way to Live - DriveTime Benefits Package

 
BENEFITS OWNER'S MANUAL - 2019 DRIVETIME - The Genius Way to Live - DriveTime Benefits Package
2019 DRIVETIME
BENEFITS OWNER’S MANUAL

The Genius Way to Live
BENEFITS OWNER'S MANUAL - 2019 DRIVETIME - The Genius Way to Live - DriveTime Benefits Package
TABLE OF CONTENTS                                                          www.drivetimebenefits.com        BENEFITS ELIGIBILITY                                                                                                           www.drivetimebenefits.com

                                                                                                                         EMPLOYEE ELIGIBILITY
                                                    2                 2                     2
        Your Benefits                           EMPLOYEE          DEPENDENT           LIFE STATUS
                                                                                                                         If you are a regular, active employee you are eligible to enroll in DriveTime’s Benefits Program! You can enroll in benefits as a
        Eligibility Explained                   ELIGIBILITY       ELIGIBILITY        CHANGE EVENT
                                                                                                                         new hire within your first 30 days of employment. After that, you have to wait until Open Enrollment or a Life Status Change
                                                                                                                         Event to enroll or make changes to your elections.

        New Hire Benefits                                              3                      4
        Enrollment                                             NEW HIRE BENEFITS         BENEFITS                                    Benefits are active on your 31st day of employment and end on your termination day at midnight.
                                                                  OVERVIEW              CHECKLIST

                                                                     5                   6
        Medical                                                   COMPARING           MEDICAL
        Coverage                                                  TWO PLANS        COVERAGE RATES

                                                                                           7                          YOU CAN ALSO ENROLL DEPENDENTS                                          VERIFYING DEPENDENTS ELIGIBILITY
        Dental Plan                                                                   DENTAL PLAN                                                                                             DriveTime conducts dependent eligibility verification for all
        Overview                                                                       OVERVIEW                                                                                               employees who cover dependents on their benefits (this
                                                                                                                                                         Children/stepchildren:               includes medical, dental and vision). You are required to
                                                                                                                Legal spouses                            Medical for up to age                provide documentation verifying the eligibility of each of
        Vision Plan                                                                         8                   Common-law spouses (TX only)             26 and dental/vision
                                                                                                                                                                                              your covered dependents. For a complete listing of
                                                                                       VISION PLAN                                                       for ages 19-25, if
        Overview                                                                        OVERVIEW
                                                                                                                Children and stepchildren                enrolled as a full-time              acceptable documents for dependent eligibility verification,
                                                                                                                Adopted children                         student                              visit the benefits enrollment website at:
                                                                                                                                                                                              WWW.MYDTBENEFITS.COM
        Disability & Life                                                                    9
                                                                                     Disability & Life
        Insurance                                                                       Insurance         If you have questions on dependent eligibility, please contact the
                                                                                                                                                                                                      IF YOU DO NOT PROVIDE PROOF OF DEPENDENT ELIGIBILITY:
                                                                                                          Benefits Department or see the “Summary Plan Descriptions”
                                                                                                          posted on the www.drivetimebenefits.com website.
        Retirement Savings                                                                  10                                                                                                    •    They will not be eligible for medical, dental and/or vision
                                                                                       Retirement
        (401k)                                                                        Savings (401K)
                                                                                                                                                                                                       coverage and will be removed from your benefits start date.
                                                                                                                                                                                                  •    They will not be eligible for COBRA.

        Voluntary                                                     11                     12                                                                                                   •    Enrolling an ineligible dependent on your plan
        Benefits                                                    Hospital           Critical Illness                  WHAT IS A LIFE STATUS CHANGE?                                                 is an integrity issue and could result in
                                                                   Indemnity            & Accident                                                                                                     termination of your employment.

        How to Enroll in                                             13                      14                  Marriage or divorce              Gain or loss of coverage
        Benefits                                                  How to Enroll         Confirm your             Birth or adoption of a child     Change in employment status                 It is your responsibility to ensure your dependents meet, and
                                                                                          elections              Death of spouse or               Change in dependent eligibility             continue to meet, the requirements for eligible dependents
                                                                                                                                                                                              under the DriveTime Health Plan.
                                                                                                                 dependent
        Your Wellness                                                 15                    16                                                                                                In order to cover dependents on your benefits, you must
        Program                                                  Your Wellness          Your Wellness                                                                                         submit documentation verifying your dependents’ eligibility
                                                                   Program               Resources        Any changes you make as a result of a qualified life change                         before your benefits start date (your benefits begin on your
                                                                                                          event must be submitted within 31 days of the qualifying event.                     31st day of employment). Please upload your documentation
                                                                                                                                                                                              on www.mydtbenefits.com, submit via email with your
        Paid Time Off, Tuition                     17                 18                   18             The Life Status Change transaction can be found on the                              employee ID to drivetime@winstonbenefits.com, or fax with
                                               PTO & Tuition        Leave of                              www.mydtbenefits.com website. If you miss this enrollment
        Assistance & Leave Process            Reimbursement         Absence
                                                                                        Maternity &
                                                                                                          window, you will have to wait until the next annual Open
                                                                                                                                                                                              your employee ID to 732-903-9271. If not received, benefit
                                                                                       Bonding Pay                                                                                            elections for your dependents will not be processed.
                                                                                                          Enrollment to make benefit changes.

        Contact Benefits & Frequently Asked        19                  20                  21
        Questions                                Contact           Glossary of         Frequently
                                                 Benefits            Terms           Asked Questions

 DRIVETIME BENEFITS OWNER’S MANUAL 2019                                        Table of Contents    1        DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                           Benefits Eligibility   2
BENEFITS OWNER'S MANUAL - 2019 DRIVETIME - The Genius Way to Live - DriveTime Benefits Package
OPEN ENROLLMENT BENEFITS OVERVIEW                                                                                              www.drivetimebenefits.com   OPEN ENROLLMENT - CHECKLIST                                                                                    www.drivetimebenefits.com

          WELCOME - HERE’S HOW YOU GET STARTED
                                                                                                                                                                                        OPEN ENROLLMENT:
                                                                                                                                                                                                                                         OPEN ENROLLMENT BEGINS 10/01/2018 AND WILL LAST
          Please make sure to complete each of these steps to ensure your enrollment in benefits. If you have any problems completing any of the                                                                                         UNTIL 10/12/2018 for benefits that take effect on
          steps, make sure to contact us via email and we will be glad to assist you. You’ll find a full checklist outline available for you to use on                                                                                   1/1/2019. Don't miss your chance to enroll or make
          the next page to help you keep track of your deadlines in accordance with your hire date.                                                                                     10/01/2018 - 10/12/2018                          changes for the 2019 year!

    IMPORTANT BENEFITS DEADLINES

                                                                    STEP 1 Benefits Orientation
                                                                    Learn about the benefits available to you through this Owner's Manual,
                                                                    on www.drivetimebenefits.com, or through EVO found on DASH.
                                                                                                                                                                     STEP 1 BENEFITS OPEN ENROLLMENT                                                             Your deadline:

                                                                                                                                                                                                                                                                 10/12/2018
                                                                    STEP 2 Enroll in Benefits
                                                                    Log on to www.mydtbenefits.com. From there, click on Open
                                                                    Enrollment to elect your benefits (this will include adding dependents,
                                                                    assigning beneficiaries for life insurance, etc.). Be sure to click “Confirm”                    STEP 2 ENROLLING IN BENEFITS                                                                Your deadline:
                                                                    to submit.
                                                                                                                                                                                                                                                                 10/12/2018
                                                                    STEP 3 Dependent Verification
                                                                    In order to cover dependents on your benefits, you must submit                                   STEP 3 DEPENDENT PAPERWORK                                                                  Your deadline:
                                                                    documentation verifying your dependents’ eligibility before your benefits
                                                                    start date. You can upload your documentation on www.mydtbenefits.com
                                                                    (click on Dependent Verification and then How Do I Submit Documents).                                                                                                                        10/26/2018

                                                                    STEP 4 Benefits Take Effect                                                                      STEP 4 BENEFITS TAKE EFFECT                                                                 Benefits Effective:
                                                                    Benefit Coverage Cards
                                                                    If you elected medical coverage, you will receive your insurance card for
                                                                    United Healthcare in the mail at your home address listed in Ultipro (http://
                                                                                                                                                                                                                                                                 01/01/2019
                                                                    n32.ultipro.com).
                                                                    Please note, dental and vision coverage providers do not send coverage
                                                                    cards. Go to www.drivetimebenefits.com to learn more.
                                                                                                                                                                     STEP 5 BIOMETRIC TESTING & ANNUAL PHYSICAL                                                  Your deadline:
                                                                                                                                                                     If you currently have medical coverage with DriveTime, you (and

                                                                    STEP 5 Wellness Program Steps
                                                                                                                                                                     your covered spouse) will need to completed your wellness steps
                                                                                                                                                                     by November 15th to secure discount for following plan year.                                11/15/2018
                                                                    Save money on your per pay medical premiums by participating in the                              Not yet covered by DriveTime's medical plan? If you are picking
                                                                    Wellness Program. Once your medical coverage is effective,                                       up coverage for the first time in 2019 you will need to have your
                                                                      1. go to www.drivetime.mywellmetrics.com to print your wellness                                wellness visit done by FALL 2019
                                                                         screening form.
                                                                      2. Then schedule an appointment with your doctor to complete your
                                                                         physical and biometric screening.
                                                                      3. Make sure to verify your earned points 72 hours after your doctor
                                                                         submits your results at www.drivetime.mywellmetrics.com.
                                                                         Complete challenges on the website to earn additional points.

 DRIVETIME BENEFITS
           BENEFITS OWNER
                     WNER’’S MANU
                             MANUAL 2019                                                                                New Hire Benefits Overview   3      DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                                  4
                                                                                                                                                                                                                                                                     Open Enrollment Benefits Checklist
BENEFITS OWNER'S MANUAL - 2019 DRIVETIME - The Genius Way to Live - DriveTime Benefits Package
MEDICAL COVERAGE - OVERVIEW                                                                                                 www.drivetimebenefits.com   MEDICAL COVERAGE - RATES                                                                                                                                                 www.drivetimebenefits.com

                                                                                                                                                                                                            *If you do not complete your wellness steps you will be defaulted to the standard tier rates.*

            TWO MEDICAL PLANS TO CHOOSE FROM                                                                                                                                                                          The Traditional Plan                                                                     The Liberty Plan
                                                                                                                                                                COMPARE
            See more information on these options below.
            Need help choosing which is right for you? Call (855) 430-4558.                                                                                       RATES
                                                                                                                                                                                                      FULL-TIME                                    PART-TIME                                 FULL-TIME                                    PART-TIME
                                                                                                                                                           WELLNESS DISCOUNT
                                                                                                                                                             EMPLOYEE                                  $31.90                                        $163.07                                   $24.65                                       $137.34

COMPARING THE                  The Traditional Plan                                          The Liberty Plan                                                EMPLOYEE + SPOUSE
                                                                                                                                                             EMPLOYEE + CHILD(REN)
                                                                                                                                                                                                       $112.20
                                                                                                                                                                                                       $85.80
                                                                                                                                                                                                                                                     $385.97
                                                                                                                                                                                                                                                     $288.73
                                                                                                                                                                                                                                                                                               $86.70
                                                                                                                                                                                                                                                                                               $66.30
                                                                                                                                                                                                                                                                                                                                            $325.08
                                                                                                                                                                                                                                                                                                                                            $243.18
   PLANS                                                                                                                                                     EMPLOYEE + FAMILY                         $144.10                                       $484.70                                   $111.35                                      $408.24
                               Preferred Provider Organization (PPO) plan that               High deductible health plan that comes with an
                               comes with co-pays for office visits and prescription         option to save tax-deferred in a Health Savings                 STANDARD RATE
                               coverage.                                                     Account (HSA).
                                                                                                                                                             EMPLOYEE                                  $95.86                                        $218.72                                   $65.91                                       $182.40
                                                                                                                                                             EMPLOYEE + SPOUSE                         $254.94                                       $438.52                                   $182.07                                      $387.14
                                                                                                                                                             EMPLOYEE + CHILD(REN)                     $152.50                                       $358.05                                   $123.67                                      $286.05
 DEDUCTIBLE                    $850 Individual / $1,700 Family                               $1,350 Individual / $2,700 Family                               EMPLOYEE + FAMILY                         $277.84                                       $590.29                                   $216.55                                      $488.79

 CO-PAY                        $30 Primary / $50 Specialist / $75 Urgent Care                Use Health Savings Account (HSA). Pay up to                      *Please note Wellness Tier Rates have changed. *

                                                                                                                                                                                                                                                                                                        FSA
                                                                                             100% of annual deductible; then 80/20                                *Please note if you choose to participate in the Liberty plan you will be
                                                                                             coinsurance to Out-of-Pocket max.                                       auto enrolled in an H.S.A. for the minimuim election amount of
                                                                                                                                                                    $100.00. If you do not wish to be enrolled you will have to opt out
 HOSPITAL                                                                                    Use Health Savings Account (HSA). Pay up to                                            during the open enrollment period.
                               $200 Co-Pay + deductible + 80/20 coinsurance
 CO-PAY                                                                                      100% of annual deductible; then 80/20
                                                                                             coinsurance to Out-of-Pocket max.                                           ABOUT SAVINGS ACCOUNTS
                                                                                                                                                                                                                                                                                                                    vs
                                          (                                      )                                                                                                                                                                                                                   HSA
                               Co-Pays:       1st - 2nd visit = $250 per visit                                                                                              • The Liberty Plan has a Health Savings Account (HSA) to
 EMERGENCY                                                                                   Use Health Savings Account (HSA). Pay up to                                      allow you to save money for your health expenses.
                                              			                                            100% of annual deductible; then 80/20
 ROOM                                         6th or more - $500 per visit
                                                                                                                                                                              DriveTime will match up to a certain amount and it will be
                                                                                             coinsurance to Out-of-Pocket max.                                                fully-funded into your account at the beginning of the year!
                             Deductible+ 80/20 coinsurance is also applied for all visists                                                                                  • The Traditional Plan has a Flexible Spending Account
                               Co-Pays apply $10/$35/$60/20% (max $250)                      Use Health Savings Account (HSA). Pay up to 100%                                 (Healthcare FSA) to allow you to save money for your
 PRESCRIPTIONS                 Mail Order: $20/$70/$120                                      of annual deductible; then co-pays to                                            health expenses. The full election amount will be funded
                                                                                                                                                                              into your account at the beginning of the year!
                               Injectable Drugs: 10%                                         Out-of-Pocket max.
                                                                                                                                                                                                                                           Health Care FSA                                                             HSA
 OUT-OF-                                                                                                                                                                  Dependent Care FSA
                               $3,750 Individual / $7,500 Family (includes deductible)       $2,600 Individual / $5,200 Family (includes deductible)                                                                                     Traditional Plan Only                                                  Liberty Plan Only
 POCKET MAX
                                                                                                                                                                        Child/Elder Care Expenses Only                                        *Qualifying Healthcare                                          *Qualifying Healthcare
 PREVENTIVE                    100% Covered                                                  100% Covered                                                               NOT FOR HEALTH CARE EXPENSES                                                 Expenses                                                        Expenses
 CARE                          (includes preventive health services specified in             (includes preventive health services specified in                                     Maximum Election:                                             Maximum Election:                                                  Maximum Election:
                               the health care reform law)                                   the health care reform law)
                                                                                                                                                                                         $5,000                                                         $2,650                                                $3,500 / $7,000
 DEPENDENT                                                                                                                                                                                                                                                                                                         individual                family
 ELIGIBILITY                   Up to age 26                                                  Up to age 26                                                                                                                                                                                                    Rolls over to next year
                                                                                                                                                                              Does NOT rollover                                               Does NOT rollover
                                                                                                                                                                              DriveTime does NOT match                                        DriveTime does NOT match                                       DT matches $250 (indv.) / $500
 LIFETIME                                                                                                                                                                                                                                                                                                    (family)
                                                                                             Unlimited                                                                        Employee contributions                                          Total election available on first pay
 MAX                           Unlimited                                                                                                                                                                                                                                                                     Employee contributions funded on pay
                                                                                                                                                                              funded on pay dates                                             date
                                                                                                                                                                                                                                                                                                             dates
                                                                                                                                                                              Pre-tax deduction                                               Pre-tax deduction
                                                                                                                                                                                                                                                                                                             Pre-tax deduction
                                                                                                                                                                              Provide receipts to Discovery                                   Provide receipts to Discovery
                                                                                                                                                                              Benefits and keep in case of audit                              Benefits and keep in case of audit                             Keep receipts in case of audit
                                                                                                                                                                                                                                                                  *See IRS Publication 502: Medical & Dental for eligible expenses.

 DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                   MedicalCoverageOverview 5      DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                                                                 Medical Coverage Rates 6
BENEFITS OWNER'S MANUAL - 2019 DRIVETIME - The Genius Way to Live - DriveTime Benefits Package
DENTAL COVERAGE                                                                                                                                                    www.drivetimebenefits.com       VISION PLAN                                                                                                                                       www.drivetimebenefits.com

                                                                                                                                                                                                                                                                                                                                           DID YOU KNOW?
                                                                                                                                                                                                                                                                                                                                           VSP has a TruHearing Program, which
                  Three plans to choose from! - WHICH IS RIGHT FOR YOU?                                                                                                                                         KEEPING YOUR EYES HEALTHY                                                                                                  can provide you and your family
                                                                                                                                                                                                                                                                                                                                           members with discounts of up to 50%
                  For a healthy smile, DriveTime offers dental coverage through MetLife. All three plans allow you to see any                                                                                   To help maintain your vision, DriveTime offers vision coverage through VSP. The plan allows you to see any eye doctor;     on hearing aids. Sign up at
                  licensed dentist; however, you will save money by selecting an in-network MetLife dentist.                                                                                                    however, you will save money by selecting an in-network VSP physician.                                                     vsp.truhearing.com.

                                                     DENTAL
                                                    COVERAGE                                                                                                                                                                            VISION COVERAGE
                                                   PROVIDED BY                                                                                                                                                                            PROVIDED BY
                                                                                                               800-942-0854
                                                                                                              www.metlife.com/dental                                                                                                                                                                         800-877-7195
                                                                                                                Group #: 102860                                                                                                                                                                                 www.vsp.com
                                                                                                                                                                                                                                                                                                              Group #: 12139952

  DENTAL PREMIUMS
                                                                                                                                                                                                           STANDARD PLAN PREMIUMS                                                          PREMIER PLAN PREMIUMS
                                          FULL-TIME STANDARD PLAN                  FULL-TIME ENHANCED PLAN                 FULL-TIME PREMIER PLAN                   PART-TIME & IC RATES
                                                                                                                                                            PART-TIME AND IC RATES                          EMPLOYEE                                                $3.78                  EMPLOYEE                                              $6.34
   EMPLOYEE                                       $4.11                                   $4.19                                   $8.31                                                                     EMPLOYEE + SPOUSE                                       $7.38                  EMPLOYEE + SPOUSE                                     $12.36
                                                                                                                                                            CAN BE VIEWED AT
   EMPLOYEE + SPOUSE                             $10.46                                  $11.55                                  $20.28                                                                                                                             $7.94
                                                                                                                                                            WWW.DRIVETIMEBENEFITS.COM                       EMPLOYEE + CHILD(REN)                                                          EMPLOYEE + CHILD(REN)                                 $18.36
   EMPLOYEE + CHILD(REN)                         $10.56                                  $12.60                                  $22.29                                                                                                                             $8.43
   EMPLOYEE + FAMILY                             $17.23                                  $21.01                                  $36.81                                                                     EMPLOYEE + FAMILY                                                              EMPLOYEE + FAMILY                                     $19.50

                                                                                                                                                                                                                                                                   *Same rates for full-time and part-time
 DENTAL BENEFITS
                                                                                                                                                                                                     VISION BENEFITS
                                                STANDARD PLAN                                          ENHANCED PLAN                                        PREMIER PLAN
                                       In-Network            *Out-of-Network                       In & Out-of-Network                                 In & Out-of-Network                                                                        STANDARD                                             PREMIER                             Out of Network
Preventive (Cleanings,                    100%                  80%                                          100%                                                100%
Exams, X-Rays, Composite           2 cleanings per year 2 cleanings per year                          2 cleanings per year                                4 cleanings per year                        COMPREHENSIVE EXAM                       $15 co-pay                                          $15 co-pay
Fillings)                                                                                                                                                                                                                               Available every 12 months                           Available every 12 months
                                                                                                                                                                                                                                                                                                                                                   Up to $50

Deductible                            $50 Individual             $75 Individual                          $50 Individual                                      $50 Individual                           SINGLE VISION LENSES                     $15 co-pay                                          $15 co-pay                                      Up to $105
                                                                                                                                                                                                                                        Available every 12 months                           Available every 12 months
                                       $150 Family                $225 Family                             $150 Family                                         $150 Family
                                                                                                                                                                                                      FRAMES                         $150 allowance ($80 at Costco)                     $200 allowance ($110 at Costco)                            Up to $50
Annual Maximum                             $1,500                       $750                                   $1,750                                              $5,000                                                                 then 20% discount                                   then 20% discount
                                                                                                                                                                                                                                       Available every 24 months                          Available every 12 months
Basic (Fillings, Simple                      80%                        60%                                     80%                                                 90%                                                                                OR                                                    AND
Extractions, Endodontics,
Periodontics, Crown Repairs)                                                                                                                                                                         CONTACTS                       $150 allowance for contacts ($60                   $150 allowance for contacts ($60                            Up to $70
                                                                                                                                                                                                                                                 co-pay)                                            co-pay)
Major (Implants, Bridges,                    50%                        40%                                     50%                                                 50%                                                                Available every 12 months                          Available every 12 months
Crowns, Dentures)                                                                                                                                                                                    LASER CORRECTION                                                                                                             *If you go to an out-of-network provider, you
                                                                                                                                                                                                                                    Average 15% discount only with                      Average 15% discount only with             will be required to submit your expenses for
                                                                                                                                                                                                                                          contracted facilities                               contracted facilities                               reimbursement.
Orthodontia                          50% Child Only             50% Child Only                        50% Child & Adult                                   50% Child & Adult
~ Lifetime Maximum                       $1,500                     $750                                   $1,500                                              $2,000

              *Mississippi, Texas and Georgia have legal restrictions that require that the coverage for in- and out-of-network be the same. The benefit is 80% for diagnostic and
              preventative, 60% for basic services, and 40% for major services. Maximum annual benefit is $1,750.

    DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                                                                    Dental Plan       7    DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                                                     Vision Plan       8
DISABILITY & LIFE INSURANCE                                                                                               www.drivetimebenefits.com      RETIREMENT SAVINGS (401k)                                                                                         www.drivetimebenefits.com

           BASIC LIFE INSURANCE - AT NO COST TO YOU!                                                                                                               PARTICIPATE IN DRIVETIME’S 401K
           Even if you do not enroll in any benefits with us, you are still provided the coverage. It is very important for you                                    Financial reward doesn’t just happen, it takes years of planning to build a foundation that allows you to enjoy a good
           to make your beneficiary elections via ADP Self-Service and add the names of the people or organizations for                                            life during retirement. It also takes a commitment to saving money now during your active-working years. DriveTime
           your wishes to be honored. We encourage all DriveTime employees to elect primary and secondary                                                          offers a 401(k) Retirement Savings Plan. Your contributions are deposited into your account before you pay taxes,
           beneficiaries.                                                                                                                                          saving you money.

                                                             LIFE INSURANCE
                                                              PROVIDED BY                                                                                                                 401K PLAN
                                                                                                                                                                                         PROVIDED BY

                                                                                                                                                                                                                               800-890-4015
                                                                                                                                                                                                                                    www.401k.com

                                                                                                Note: If already an existing employee and picking up
                                                                                                coverage for the first time during open enrollment you
                                                                                                will be subject to Evidence of Insurability (EOI).

    LIFE INSURANCE                                        1x ANNUAL EARNINGS TO $50,000 MAXIMUM                                                                                                                   Time with                     VESTING SCHEDULE
                                                                                                                                                                                                                  company
                                                          A free policy courtesy of DriveTime for all employees
                                                                                                                                                                    DRIVETIME
                                                                                                                                                                    MATCHES!                                       0-11
                                                                                                                                                                                                                              0% Match Vested
    SUPPLEMENTAL                                          5x ANNUAL EARNINGS UP TO $500,000                                                                                                                        mos.
    LIFE INSURANCE                                        Maximum taken in increments of $10,000 / Guaranteed issue at first enrollment
                                                                                                                                                                    DriveTime will match $0.40 on                                                                               5+
                                                                                                                                                                                                                                                                                years
                                                                                                                                                                    every dollar for the first 6% of
                                                          opportunity without need for evidence of insurability: $300,000                                                                                          1 yr
                                                                                                                                                                    the salary you contribute.                                         20% Match Vested                                 DT Match Vested

    SPOUSE LIFE                                           COVERAGE AVAILABLE UP TO $100,000
                                                                                                                                                                                                                                                                                      100%
                                                                                                                                                                    UPDATE ANYTIME                               2 yrs                               40% Match Vested
    INSURANCE                                             Must elect coverage to enroll / Cannot exceed one’s own election amount / May
                                                          elect coverage in $5,000 increments / Spouse guaranteed issue: $30,000                                    You may increase, decrease or
                                                                                                                                                                    stop your contributions
                                                                                                                                                                    anytime through Fidelity’s                   3 yrs                                               60% Match Vested
    DEPENDENT LIFE                                        COVERAGE AVAILABLE UP TO $10,000                                                                          website.

    INSURANCE                                             One rate covers all children ( 6 mos. - 26 yrs. old) / Guaranteed issue: $10,000 / $5,000
                                                          policy rate is $0.23 per pay period / $10,000 policy rate is $0.46 per pay period.                                                                     4 yrs                                                                80% Match
                                                                                                                                                                    IT’S YOUR                                                                                                         Vested
                                                                                                                                                                    INVESTMENT
    DISABILITY                                            SHORT-TERM DISABILITY                                                                                                                                5+ yrs
                                                          60% of salary to a max of $1,385 per week / 14-day waiting period before payments                         You have complete ownership of
                                                          begin (DriveTime pays for this policy if you purchase LTD).                                               your contribution and earnings. If
                                                                                                                                                                    you leave DriveTime, it all goes
                                                          LONG-TERM DISABILITY                                                                                      with you.
                                                                                                                                                                                                                               10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
                                                          60% of salary to a max of $6,000 per month
                                                          CORE PLAN: 5 year benefit duration
                                                                                                                                                                                                                                                        % Match Vested
                                                          BUY-UP: Buy-up option to Social Security Normal Retirement Age (65).                                                                                                                              by DT

 DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                             Disability & Life Insurance   9       DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                     Disability & Life Insurance    10
Note: If already an existing employee and picking up voluntary benefit coverage for the first time during
                                                                                                            open enrollment you will be subject to Evidence of Insurability (EOI).
VOLUNTARY BENEFITS                                                         www.drivetimebenefits.com
                                                                                                                                                                                                                                  www.drivetimebenefits.com

          Hospital Indemnity, Critical Illness, and Accident Insurance

 DRIVETIME BENEFITS OWNER’S MANUAL 2019                                  Voluntary Benefits            11                                                                                                               Voluntary Benefits       12
HOW TO ENROLL IN BENEFITS                                                                                                         www.drivetimebenefits.com        HOW TO ENROLL IN BENEFITS (CONTINUED)                                                                                  www.drivetimebenefits.com

           TO ENROLL LOGIN TO WWW.MYDTBENEFITS.COM                                                                                                                         STEP 4 YOUR BENEFITS ELECTION PAGE
           All enrollments or changes to your benefits are completed online. All new hires have 30 days from their hire date to enroll. Follow
           the instructions below to get started.

                                                                                                                                                                                                                     FOLLOW THE PROMPTS LEADING
                                                                       STEP 1 LOGIN TO                                                                                                                                YOU THROUGH EACH OF YOUR
                                                                                                                                                                                                                         ENROLLMENT OPTIONS.
                                                                       WWW.MYDTBENEFITS.COM
                                                                                                                                                                                                                                                                               YOUR
                                                                        Login using your employee ID . Your password is the last four                                                                                                                                        BENEFITS
                                                                        digits of your social security number followed by your six digit                                                                                                                                     ELECTION
                                                                        employee id number.                                                                                                                                                                                    PAGE

                                                                       STEP 2 ACCESSING BENEFITS
                                                                        After logging in on the home page, click on the tab called
                                                                        “Manage My Benefits” at the top of the page.

                                                                       From here you will be taken to a screen that says available
                                                                       transactions.

                                                                                                                                                                                                                                                                                                    ELECT & CONFIRM BENEFITS FOR 2019
                                                                        STEP 3 ENROLLMENT PROCESS                                                                                                            Make sure to click “Confirm Elections” at the end of the
                                                                                                                                                                                                             page after reviewing all of your benefit elections. If you
                                                                        Now you will start the enrollment process by clicking the START NOW                                                                  do not confirm, your updates will not go into effect and
                                                                        button found under available transactions 2019 OPEN ENROLLMENT.                                                                                     will result in no coverage!
        2019 OPEN ENROLLMENT

                                                                                                                                                                                                                                                                          MAKE SURE
                                                                                                                                                                                                                                                                          YOU HAVE
                                                                                                                                                                                                                                                                          COMPLETED
                                                                                                                                                                                                                                                                          THE
                                                                                                                                                                                                                                                                          CONFIRMATION
                                                                                                                                                                                                                                                                          STEP!

                                                                                                                         CONTINUE ON NEXT PAGE

 DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                       How to Enroll in Benefits       13    DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                           How to Enroll in Benefits                          14
YOUR WELLNESS PROGRAM                                                                              www.drivetimebenefits.com

         Earn points to save $ on your Medical Premiums
         DriveTime’s Wellness Program is designed to help employees, including spouse (if enrolled), identify health risk factors
         before they become serious health problems. To get started, you and your spouse (if enrolled) will need to complete steps to
         earn points. Your discount is based on how many points you earn. If you cover a spouse, you each earn your own points for
         the wellness program; your discount will be based on the lesser of the two amounts of points earned.

                 Your participation in this program is voluntary, but why not save money while taking care of your health?
                 Save up to $1,544.40 per year with employee only coverage, and up to $3,256.76 per year with family coverage.

                                START WITH THE FOLLOWING STEPS TO EARN YOUR FIRST 1,800 POINTS!
                STEPS

           NON- TOBACCO USER
                                                                                                             POINTS EARNED

                                                                                                                 600
                                                                                                                                                YOUR WELLNESS
                                                            DOCTOR’S OFFICE OR LAB                               600                            RESOURCES
           ANNUAL PHYSICAL                                  DOCTOR’S OFFICE                                      600                                                                                     At DriveTime, we want to help you to be the best you can be, as we strive to be the
                                                                                                                                                WELLTIME (ADURO)                                         best company we can be. WellTime will make it easy and fun for you to challenge
                                                                                                                                                Website: www.drivetime.mywellmetrics.com                 yourself, your health decisions, and provide you with the tools and support to
                                                                                                                                                Phone: 855-864-0721                                      develop healthy habits, and earn points toward your wellness tiers and great
                                         HOW DO YOU EARN POINTS FROM BIOMETRICS?                                                                Email: Support@AduroLife.com                             incentives while you are doing so.

        BIOMETRIC CATEGORY                                     VALUE TO PASS                            POINTS EARNED IF PASS/EXEMPT            GUIDANCE RESOURCES                                       Call Guidance Resources for help finding a doctor for your wellness visit or for
                                                                                                                                                                                                         emotional health services. You and your family have access to a full range of
                                                              Glycohemoglobin A1c test:                                                         Phone: 866 799-2728
        Blood Sugar (Glucose)                                                                                                                                                                            emotional health services through an employee assistance program (EAP) and
                                                                                                                  300                           Website: www.guidanceresources.com
                                                                   6.2% or less                                                                                                                          mental health and substance abuse (MHSA) benefits.
                                                                                                                                                (Web ID: DTEAP)
        Body Mass Index (BMI)                                 Less than 29.9 kg/m2                                300
                                                                                                                                                HEALTHY PREGNANCY                                        The Healthy Pregnancy Program through United Healthcare provides health
        Cholesterol                                           200 mm/dl or less or                                                                                                                       assessments, customized educational materials and maternity nurse support
                                                              Total/HDL 4.0 or less
                                                                                                                  300                           PROGRAM (United Healthcare)                              throughout your pregnancy.
                                                                                                                                                Phone: 888-246-7389
        Blood Pressure (BP)                                   139/89 mm/Hg or less                                300
                                                                                                                                                                                                         Call the Cancer Resource Center to speak with nurses who specialize in cancer
                                                                                                                                                CANCER RESOURCE CENTER                                   treatment and can help you understand your cancer diagnosis or seek treatment.
       WHAT ARE THE WELLNESS TIERS?                                                                                                             (United Healthcare)
                                                                                                                                                Phone: 800-842-5658

                              WELLNESS DISCOUNT                                                                                                 PRESCRIPTION DRUGS                                       Call Optum RX for more information on your prescription drug coverage through
                                                                                          WELLNESS BONUS!                                                                                                the DriveTime Medical Plan.
                                                                                                                                                (United Healthcare)
                                                                                                                                                Phone: 800-842-5658

                                    3,000 + POINTS                                          3,500 + POINTS                                       TELADOC (United Healthcare)                             If you ever feel sick and cannot meet with your primary healthcare doctor, call
                                                                                                                                                                                                         Teladoc. Available 24/7/365 for no charge to employees and dependents covered
                                                                                                                                                Phone: 800-835-2362                                      on DriveTime’s medical plan.

                                   Medical rate discount!                           Earns you a $50 Amazon Gift Code!

                                                                                                                                                    DriveTime is a Tobacco-Free Workplace                                       Want some extra motivation?
                                                                                                                                                    You can call ADURO if you’re enrolled in medical coverage to                Participate in challenges on the WellTime site
  PLEASE NOTE:                  0-2,999 POINTS         No discount on your medical rates                                                            help you quit smoking. DriveTime also offers DT’s Quit                      (www.drivetime.mywellmetrics.com) and you could earn a
                                                                                                                                                    Tobacco Reimbursement Program.                                              $50 Amazon gift code!

DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                             Your Wellness Program   15   DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                              Your Wellness Resources   16
PERSONAL TIME OFF & TUITION REIMBURSEMENT                                                                                                            www.drivetimebenefits.com      LEAVE OF ABSENCE                                                                                                                                  www.drivetimebenefits.com

                                                                                                                                                                                                                LEAVE OF ABSENCE WITH DRIVETIME
              WORK / LIFE BALANCE IS IMPORTANT                                                                                                                                                                  Our Leave of Absence Program is administered through the Leave Department. We handle Family Medical Leave Act
                                                                                                                                                                                                                (FMLA), Personal Leaves of Absence (PLOA) and Americans with Disabilities (ADA) requests.
              DriveTime knows you work hard at your job. That is why we offer personal time benefits to help enrich your life and
              enjoy your time outside of work. PTO is accrued in hours per pay period by all active FullTime and PartTime employees.                                                                            There are three different types of FMLA: continuous, intermittent and military. Generally, FMLA is 12 weeks or 480 hours of
              Note:PartTime accrual rates can be found on the benefits website: www.drivetimebenefits.com.                                                                                                      “job protection” with no pay.* If an employee has Short-Term Disability (STD) or Long-Term Disability (LTD), it may cover 60%
                                                                                                                                                                                                                of pay after 14 days of their leave of absence.

                                   PAID HOLIDAYS                                                                          WHEN TO USE PTO                                                                              *FMLA, PLOA and Military Leaves are unpaid. Employees will be required to use up to 40 hours of accrued PTO if available,
                                                                                                                                                                                                                       which will run concurrent with their leave time. Employees may not borrow PTO when on a leave.

                        New Year’s Day             Labor Day                                                 PTO can be used for vacation, illness injury and/or                           ARE YOU ELIGIBLE FOR LEAVE?
                        Memorial Day               Thanksgiving Day                                          personal business. You begin accruing PTO upon your
                                                                                                             date of hire. It may be taken as soon as it is accrued,                            TYPES OF LEAVE                          ELIGIBITLIY                                    DEFINITION                                       EXAMPLE
                        Independence Day           Christmas Day
                                                                                                             subject to approval by your manager.
                                                                                                                                                                                           CONTINUOUS FMLA                  Employed for at least 12 months              Employee may take up to 12 weeks                           Birth of a child
                                                                                                                                                                                                                                   or 1,250 hours                             per rolling 12 months

                                                                                                                                                                                           INTERMITTENT FMLA                Employeed for at least 12 months            Employee may take up to 480 hours of             Migraines; employee is in and out
                                                                                                                                                                                                                                    or 1,250 hours                      unpaid FMLA in 15 minute increments                           of work
  FullTime PTO ACCRUAL RATES                                    NON-CALIFORNIA
                                                                  EMPLOYEES               FullTime PTO ACCRUAL RATES                                              CALIFORNIA
                                                                                                                                                                  EMPLOYEES
                                                                                                                                                                                           PERSONAL LEAVE (PLOA)             Employed full-time for at least               Can take 6 weeks of leave with                          Personal issues
    LENGTH OF SERVICE             CLASSIFICATION            PAID HOURS/ YEAR                LENGTH OF SERVICE                CLASSIFICATION           SICK PTO      VACATION PTO                                               6 consecutive months                     approval from regional-level manager

                                                                                                                                                                                           AMERICANS WITH                    All employees are eligible as of          Substantially limits normal life functions          Employee needs time beyond
  LESS THAN 1 YEAR             Hourly / Retail Sales             88 hrs                   LESS THAN 1 YEAR               Hourly / Sales Advisor     1 hr earned        44 hrs              DISABILITIES ACT (ADA)                     date of hire                             (walking, talking, etc.).                      FMLA for depression
                                                                                                                                                      for every
  LESS THAN 1 YEAR                   Salaried                   128 hrs                   LESS THAN 1 YEAR                      Salaried                30 hrs         84 hrs              MILITARY LEAVE                    All employees are eligible as of         Employees may take leave for the duration                    Military training
                                                                                                                                                       worked;                                                                        date of hire                              of military training.
  BETWEEN 1 & 3 YEARS             All employees                 136 hrs                   BETWEEN 1 & 3 YEARS                All employees                             92 hrs
                                                                                                                                                     capped at
                                                                                                                                                        48 hrs                                                                                                        Spouses and family of service members are
  BETWEEN 3 & 5 YEARS             All employees                 160 hrs                   BETWEEN 3 & 5 YEARS                All employees                             116 hrs                     FMLA runs on a rolling calendar schedule, meaning an                 eligible for leave under FMLA as well.
  5 OR MORE YEARS                 All employees                 192 hrs                   5 OR MORE YEARS                    All employees                             148 hrs          NOTE:      exact 12 month period of time (not a calendar year)

                                                                                                                                                                                                     HOW TO REQUEST A LEAVE OF ABSENCE                                                                     RETURNING TO WORK
       Your annual PTO is “use-it-or-lose-it” meaning you cannot rollover your paid time off hours into the following year (except CA sick and vacation hours, subject to
       the max carry over). See employee handbook regarding AZ paid sick leave law.
                                                                                                                                                                                                Email leave@drivetime.com                                                                 When you return to work you will need to provide a doctor’s release
                                                                                                                                                                                                Include your reason for leave (such as your own or family member’s                        if your LOA was due to a health condition. This is different from the
                                                                                                                                                                                                health condition or if the reason is due to a work-related injury).                       LOA certification and can be written on a prescription pad.
                                                                                                                                                                                                Also include the first anticipated day of absence or whether the                          Fax the release to the Leave Department at 866-665-7197. You will
              TUITION REIMBURSEMENT                                                                                                                                                                                                                                                       not be able to return to work without it.
                                                                                                                                                                                                request is for intermittent leave.
              We encourage you to improve your performance and professional development. All regular full and part-time employees
              who have completed 60 days of continuous service are eligible for assistance with tuition costs. The maximum
              reimbursement of tuition and registration fees will be up to $5,250 per calendar year for a full-time employee and                                                             IF YOU ARE ELIGIBLE: The Leave department will notify you and send you the certification packet to be completed by a doctor.
              $3,150 for a part-time employee.

                                                                                                                                                                                    MATERNITY AND BONDING PAID TIME OFF FOR EMPLOYEES WHO ARE EXPECTING
   COMMUNITY COLLEGE                                                    ANY PASSING GRADE (A, B or C) = 100% REIMBURSEMENT                                                          DriveTime knows how important it is for parents to bond with their new baby. For this reason, we offer
                                                                                                                                                                                    the following paid bonding leave to employees with at least one year of employment as of the date their
   UNIVERSITY                                                             A or B = 100% REIMBURSEMENT                            C = 80% REIMBURSEMENT                              leave begins.
                                                                                                                                                                                    Newborn Bonding Leave Pay: Both new mothers and new fathers who have at least one year of employment with DriveTime are eligible to receive one
                                                                                                                                                                                    week (5 consecutive days) of paid time off at their regular base rate of pay. Mother's Child Birth Recovery Leave Pay: New Mothers can receive paid
                                                                                                                                                                                    time off at their regular base rate of pay for the recovery from child birth (1 week at the regular base rate of pay, eligible to employees who have at least one
                                                                                                                                                                                    year of employment / 2 weeks at the regular
                                                                                                                                                                                    base rate of pay, eligible to employees who have ate least three years of employment)

 DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                     Personal Time Off & Tuition Reimbursement          17      DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                                            Leave of Absence    18
CONTACT BENEFITS                                                                                www.drivetimebenefits.com     BENEFITS GLOSSARY OF TERMS                                                                                                                www.drivetimebenefits.com

    GENERAL INFORMATION                   Email: benefits@drivetime.com            Phone: 888-781-5654, Option 1
    DriveTime Benefits Department         Website: www.drivetimebenefits.com                                                      COBRA     Under certain circumstances, you (or your covered dependent) may continue health care coverage when it would otherwise end through the
                                                                                                                                            Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) coverage. Please contact the Benefits Department for additional materials and
                                                                                                                                            refer to the summary plan description regarding termination coverage.

    MEDICAL PLANS                         Group # 709715         Website: www.myuhc.com
    United Healthcare                     Phone: 800-842-5658    App: MyUHC                                                       COINSURANCE       Coinsurance is similar to copayment, except it’s a percentage of costs you pay. For instance, you may pay 20% of the cost of a
                                                                                                                                                    $100 medical bill. So you would pay $20 and the health plan would pay the rest.

    PRESCRIPTIONS                         Phone: 800-842-5658    Website: www.myuhc.com
                                                                                                                                  CO-PAYMENT       A co-payment is a fixed amount you’ll pay for a medical service after you’ve met your deductible. For example, after meeting your
    Optum Rx                                                     Click on “Manage My Presciptions”                                                 deductible you may pay $25 for a visit to the doctor’s office that would cost $150 if you didn’t have coverage. The health plan pays the rest.

    HEALTH SAVINGS ACCOUNT                Phone: 800-791-9361                                                                     COST-SHARING      Arrangements such as deductibles, co-payments, (or co-insurance) where you pay some of the cost of your health care and
                                                                                                                                                    the company pays a portion of your health care.
    Optum Health                          Website: www.optumhealthbank.com

                                                                                                                                  DEDUCTIBLE      If you need medical care, a deductible is the amount you pay for care before the insurance company starts to pay its share. Once you meet
    FLEXIBLE SAVINGS                      Phone: 866-451-3399                                                                                     your deductible, your insurance company begins to cover some costs of your care. Many plans provide preventive services, and sometimes
                                                                                                                                                  other care, before you’ve met your deductible.
    ACCOUNT Discovery Benefits            Website: www.discoverybenefits.com

                                                                                                                                  EXPLANATION OF BENEFITS           The statement sent to you and your physician listing services received, amount billed and any payments made.
    DENTAL PLAN                           Group # 102860         Website: ww.metlife.com/dental
    Metlife                               Phone: 800-438-3688
                                                                                                                                  FLEXIBLE SPENDING         You can use to pay for copayments, deductibles, some drugs and other health care costs. FSAs are limited to $2500 per year.
                                                                                                                                                            A Flexible Spending Account is a special account you put money into that you use to pay for certain out-of-pocket health care
                                                                                                                                  ACCOUNT                   costs. You don’t have to pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on
    VISION PLAN                            Group # 12139952      Website: www.vsp.com                                                                       the money you set aside

    Vision Service Plan                    Phone: 800-877-7195
                                                                                                                                  IN-NETWORK      A system of contracted physicians, hospitals and other health care professionals that provide health care to enrollees at lower
                                                                                                                                                  rates, negotiated by insurance carriers.
    RETIREMENT SAVINGS                     Group # 83096                English: 800-890-4015
    Fidelity                               Website: www.401k.com        Spanish: 800-587-5282
                                                                                                                                  NO YEARLY OR         Health plans can’t put dollar limits on how much they will spend each year or over your lifetime to cover essential health benefits.
                                                                                                                                                       After you’ve reached your out-of-pocket maximum, your insurance company must pay for all of your covered medical care with
                                                                                                                                  LIFETIME LIMITS      no limit.
    LIFE INSURANCE & DISABILITY           Group # 102860         Website: ww.metlife.com/insurance
     MetLife                              Phone: 800-438-3688
                                                                                                                                  OUT-OF-NETWORK         Coverage for treatment obtained from non-participating physicians or other health care professionals. With an out- of- network
                                                                                                                                                         physician, there are no network discounts and you will have more out- of- pocket expenses when compared to going to an in-
    WELLNESS PROGRAM                       Phone: 855-864-0721 Fx: Email: support@adurolife.com
                                                                                                                                                         network physician.

    ADURO                                  Fax 866-877-7095        Website: drivetime.mywellmetrics.com
                                                                                                                                  OUT-OF-POCKET       This is the total amount you’ll have to pay if you get sick. For example, if your plan has a $3000 out-of-pocket maximum, once you pay
                                                                                                                                                      $3000 in deductibles, coinsurance, and copayments the plan will pay for any covered care above that amount for the rest of the year.
                                                                                                                                  MAXIMUM
    EMPLOYEE ASSISTANCE (EAP)             Phone: 866 799-2728      Website: www.guidanceresources.com
                                                                   WEB ID: DTEAP
    Guidance Resources
                                                                                                                                  PREVENTATIVE CARE         Covers a set of preventive services like shots and screening tests at no cost to you.

    TELEMEDICINE                            Phone: 800-835-2362
    Teladoc                                 Website: www.teladoc.com                                                              PRIVACY RIGHTS UNDER HEALTH INSURANCE                    HIPAA includes provisions that protect the privacy of health participants. These provisions, which
                                                                                                                                                                                           went into effect April of 2003, govern how covered entities such as health insurance companies
                                                                                                                                  PORTABILITY & ACCOUNTABILITY ACT (HIPAA)                 and the plan sponsor must handle protected health information.. The company distributes HIPAA
                                                                                                                                                                                           Privacy Notices, in accordance with Federal Regulations. If you need to obtain a copy of the HIPAA
    LEAVE (FMLA/ADA/PLOA)                   Fax: 866-665-7197      Email: leave@drivetime.com                                                                                              Privacy Notice, please contact Human Resources Benefits Department.

    DriveTime Benefits Department                                  Website: www.drivetimebenefits.com

 DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                 Contact Benefits 1    DRIVETIME BENEFITS OWNER’S MANUAL 2019                                                                                                     Benefits Glossary    20
FREQUENTLY ASKED QUESTIONS - FAQ
CONTACT BENEFITS                                                                                            www.drivetimebenefits.com

    GENERAL INFORMATION                   benefits@drivetime.com                                                                           Q1: ARE THE WELLNESS STEPS REQUIRED FOR MEDICAL COVERAGE ?
    DriveTime Benefits Department         www.drivetimebenefits.com                                                                        A1: No,but they are required to earn your wellness discounts.

    MEDICAL PLANS                         Group # 709715              www.myuhc.com
                                                                                                                                           Q2: CAN I ADD A DEPENDENT TO MY COVERAGE DURING OPEN ENROLLMENT?
    United Healthcare                     800-842-5658
                                                                                                                                           A2: Yes, you can add qualified dependents to your medical, dental or vision coverage during Open Enrollment. You will need to provide documentation showing
                                                                                                                                           proof of relationship by 10/26/18. For more information about eligible dependents and what documentation is acceptable, please visit our website at:
    PRESCRIPTIONS                         800-842-5658                www.myuhc.com                                                        http://drivetimebenefits.com/overview/eligible-dependents.aspx.
    Optum Rx                                                          Click on “Manage My Presciptions”

                                                                                                                                           Q3: I KNOW I WON’T MEET ONE OR MORE OF THE BIOMETRIC REQUIREMENTS (BMI, BLOOD PRESSURE, CHOLESTEROL OR HBA1C), BUT I’VE BEEN
    HEALTH SAVINGS ACCOUNT                800-791-9361                                                                                     SEEING A DOCTOR FOR IT. CAN I GET CREDIT FOR THAT?
    Optum Health                          www.optumhealthbank.com
                                                                                                                                           A3: Yes, if your doctor is helping you manage a condition that prevents you from meeting the biometric requirements, they can fill out the Wellness Form along
                                                                                                                                           with the Appeals Form located on www.drivetime.mywellmetrics.com Click on complete a health screening.
    FLEXIBLE SAVINGS                      866-451-3399
    ACCOUNT Discovery Benefits            www.discoverybenefits.com                                                                        Q4: I COMPLETED MY WELLNESS FORM RECENTLY. DO I HAVE TO DO IT AGAIN?
                                                                                                                                           A4: If you completed your Physical or biometric testing in 2018, you do not need to do that step again for your 2019 medical coverage. If you are unsure
    DENTAL PLAN                            Group # 102860              www.metlife.com/dental                                              whether you completed those steps, please log on to the WellTime website, drivetime.mywellmetrics.com ,click on my points and then point history, to view
    Metlife                                800-438-3688                                                                                    your point totals.

    VISION PLAN                                                                                                                            Q5: I DON’T HAVE A PRIMARY CARE DOCTOR, HOW DO I FIND ONE?
                                           Group # 12139952            www.vsp.com
    Vision Service Plan                    800-877-7195                                                                                    A5: Call United Healthcare’s at 800-842-5658. Log in to www.myuhc.com or download the Health4Me App to find a primary care doctor available in your area.

    RETIREMENT SAVINGS                     Group # 83096               Eng: 800-890-4015 Spa:                                              CONVENIENCE
    Fidelity                               www.401k.com                800-587-5282
                                                                                                                                           A6: We recommend you find a primary care doctor to establish a doctor/patient relationship. If you choose to go to an urgent care or convenience care clinic, you
                                                                                                                                           need to confirm that they will complete the biometric testing, physical and complete the Wellness Form on your behalf. You will also be responsible for paying the
    LIFE INSURANCE & DISABILITY            Group # 102860                 800-438-3688                                                     additional cost for the visit.
                                           www.metlife.com/insurance
     MetLife
                                                                                                                                           ENROLLMENT
    WELLNESS PROGRAM                       Ph: 855-864-0721 Fx:         support@adurolife.com
    ADURO                                  866-877-7095                 drivetime.mywellmetrics.com                                        A7: New hires will need to elect Benefits twice. You will elect your New Hire Benefits for the remainder of 2019 (if applicable based on your date of hire)
                                                                                                                                           and also elect your 2019 Open Enrollment benefits.
    EMPLOYEE ASSISTANCE (EAP)              Ph: 866 799-2728             www.guidanceresources.com WEB ID:
                                                                        DTEAP
    Guidance Resources                                                                                                                     Q8: HOW DO I KNOW IF BENEFITS HAVE BEEN CONFIRMED OR IF MY WELLNESS FORM HAS BEEN RECEIVED?
                                                                                                                                           A8: Please log onto the WellTime site, drivetime.mywellmetics.com, to see if your wellness information has been received. For point discrepancies,
    TELEMEDICINE                            800-835-2362                                                                                   please reach out to support@adurolife.com. For benefit confirmation , once you complete your benefit enrollment print and email your confirmation to
    Teladoc                                 www.teladoc.com                                                                                yourself. If you are adding a dependent for the first time, contact the enrollment center 72 hours after document submission by phone 855-430-4558.

    LEAVE (FMLA/ADA/PLOA)                    Fx: 866-665-7197           leave@drivetime.com                                                www.drivetimebenefits.com
    DriveTime Benefits Department                                       www.drivetimebenefits.com

 DRIVETIME BENEFITS OWNER’S MANUAL 2017                                                                                 Contact Benefits
You can also read
Next slide ... Cancel