Eligibility Information

Eligible employees may participate in our Medical and Dental insurance plans.

Full-time employees may enroll in either a single, two person or a family contract.  New employees are eligible the first day of the month following their hire. The open enrollment period is September to make any changes.

Medical Insurance

Marchese Ford pays the first $420.00 of the cost of your medical insurance per month. Our Health Insurance carrier is Highmark ( formerly Blue Cross Blue Shield of Northeastern New York ) and the Capital District Pysicians Health Plan (CDPHP). Weekly rates for our plans are shown below:

	Single	Two	Emp/Child	Family
Highmark Gold POS Classic	77.61	252.15	199.79	400.51	Summary of Benefits
Highmark Gold Radius High	88.07	273.06	217.56	430.30	Summary of Benefits
CDPHP Triple Zero	61.08	219.08	171.68	353.61	Summary of Benefits
CDPHP Embrace	77.73	252.38	199.99	400.84	Summary of Benefits
CDPHP Platinum	116.15	329.22	265.29	510.33	Summary of Benefits

• Blue Shield Enrollment Application

• CDPHP Enrollment Application

• Marchese Ford Health Plan Summary Plan Description

• Heath Care Participant Wavier

Upon termination, you may be entitled to continuation or conversion of the group medical insurance plan in accordance with the terms of the policy and/or applicable state law. You are responsible for payment of the entire premium after termination. For further information see COBRA in the Employee Handbook.

Please note that you have the option to have your health related payroll deductions made on a before-tax basis, which saves you an average 25% off the "take home pay" cost of these deductions due to your savings on State and Federal Income taxes and Social Security / Medicare taxes.

 If you wish your Health Plan contributions deducted before tax then you will be included in our Section 125 POP Plan. Plan documents are below:

• Section 125 POP Plan Summary

• Section 125 POP Plan

Dental Insurance  

Marchese Ford pays the cost of the employees’ single dental insurance. Dependent coverage and upgrades are paid by the employee. Dental Insurance is provided through the Guardian.  Our Group number is G-00529922. Member response telephone number is 800-541-7846.

Weekly rates are as follows:

Single	Two	Emp/Child	Family
0	7.89	10.72	20.25

• Guardian Summary of Benefits

• Guardian Group Insurance Booklet

• Enrollment Booklet & Application

Group Life Insurance

 Marchese Ford provides each full time employee with life insurance in the amount of $10,000.00.  When an employee reaches 65 the original benefit is reduced to 65% and at 70 it is reduced to 50%.

• Group Term Life Certificate Summary

• Group Accidental Death and Dismemberment Certificate Summary

• Your Group Life Insurance Benefits

• Your Group Accidental Death and Dismemberment Benefits

• Beneficiary Designation Form

• Life Claim Form

 

           If you have any questions you may contact our insurance specialists at

Nicholas J Marino & Co.   Contact number 518-446-1444