The end of the year in which your child (ren) dependent turns 26 years old.

you can make any changes to your benefits during Open Enrollment or if you have a qualifying life event throughout the year. There are no penalties, however please be sure you understand the plan that you are electing.

In plans that have an embedded deductible, the full family deductible includes an individual deductible. In other words, an individual deductible is embedded within the family deductible. Once a plan member meets the individual deductible, claims for that person will be covered according to the plan, even if the full family deductible hasn’t been met. But one person’s claims will not satisfy more than the individual deductible. At least one other family member’s claims need to count toward the remaining family deductible until the plan’s family deductible amount is met.

Under a non-embedded deductible, all family members qualify for plan benefits, if the total deductible amount is met by one or any combination of covered individuals. This means the cost of one individual’s care can meet the deductible for the whole family. Or the cost of care for any combination of family members can meet it. But no one receives any plan benefits until the total deductible is met.

You are seeing a cost because your provider either coded your visit incorrectly or they did additional work outside of the annual preventative services covered 100%.

You can sign up for Virgin Pulse through Enrollment (virginpulse.com): In the Search Bar, enter the sponsor organization’s name: STAN then select “Standard Motor Products”

Yes. If your spouse is your dependent, you and must spouse must both complete the Wellness Program on separate accounts. Your spouse must sign up on Virgin Pulse website and create their own account to access the Wellness Program.

You qualify for our Wellness Program if you are enrolled in one of SMP-sponsored medical plans.

If you fail to complete the Wellness Program by the deadline, you will receive an irreversible surcharge of $600 for the following calendar year.

If you fail to complete the Wellness Program by the deadline and are no longer on SMP-sponsored medical plan the following year, your surcharge will be voided.

If you are unable to access your account, you can contact Virgin Pulse’s support team at Support@virginpulse.com , your local HR representative or our benefits team at Benefits@smpcorp.com.

Our insurance covers annual physical per calendar year. It does not require 12 months in between.

Yes. If your medicals were after the deadline of the previous year, you can use them for the current’s year Wellness Program.

No. If your cancer screening such as mammogram is done every two years, insurance will not cover it if you choose to go the year before. We recommend doing another cancer test such as skin test.

You can log into your Virgin Pulse account and see if all required sections are completed. Or you can reach out to Virgin Pulse support team to confirm with them. We highly encourage all employees to keep a copy for themselves and submit the form from their Virgin Pulse account to ensure the form is submitted. Employees can also email it directly to Virgin Pulse’s support team at Support@virginpulse.com and contact them at 1-888-671-9395 to confirm they have received the form, if they do not receive a confirmation email

You can access your FSA information through Netbenefits.com

You are eligible to roll over up to $570 of your 2022 Health Care (HC) FSA balance into the 2023 plan year.

Refer to these three scenarios regarding the rollover feature:

Keep: If you elect a 2023 HC FSA, you are eligible to roll over up to $570 into 2023.
Waive: If you waive both a 2023 HSA and a HC FSA, you are eligible to roll over up to $570.
Switch: If you elect a 2023 HSA, you are waiving your carryover rights automatically and will be ineligible for
the $570 HC FSA rollover in 2023.

Any additional funds will be forfeited.

No, any reimbursement for the DC FSA must have dates from when you were employed by SMP, not prior to your hire date.

You would need to contact Fidelity at 1-800-544-3716 to request a new card.

No, you may waive medical coverage with us and still enroll in HCFSA/DCFSA. However, you may not enroll in our HCFSA if you are enrolled in an HSA plan outside of SMP.

FSA balances are located under the banner of Reimbursement Accounts at netbenefits.com.

You can contribute more to your HSA in 2023 (if enrolled in SMP Health Savings Account Health Plan).

The SMP contribution and your contributions cannot exceed the annual limits noted below.

Employee Only: $3,850

Employee + 1 or More: $7,750

Employees Age 55+: $1,000