NAPA Benefits Overview
NAPA Transportation, Inc.
We’re glad you’re here. NAPA is committed to providing benefits that support your health, financial security, and overall well-being. This guide outlines what’s available to you.
Full-time employees who work a minimum of 30 hours per week and have completed 90 days of employment are eligible to participate in NAPA’s benefit plans.
Your legally married spouse may be enrolled in eligible plans.
Medical only
Spouses are eligible for medical coverage only if they do not have access to medical insurance through their own employer.
Eligible children include biological, step, adopted, and children under your legal custody.
- Must be under age 26
- Disabled children age 26+ may remain eligible if they meet applicable plan requirements
New hire — 90-day window
Coverage begins on your 90th day of employment. Complete enrollment within your first 90 days. If you miss this window, wait for Open Enrollment in May.
Annual Open Enrollment — each May
The annual opportunity to add, change, or drop coverage for the upcoming plan year.
Qualifying Life Events (QLE)
Benefit elections are locked for the plan year unless you experience a qualifying life event. Contact HR within 30 days of the event to make a change.
- Marriage or divorce
- Birth or adoption of a child
- Child reaching the maximum age limit
- Death of a spouse or dependent child
- Loss of coverage under a spouse’s plan
- Gaining eligibility for Medicaid or CHIP
For the 12th consecutive year, NAPA has held employee medical premiums unchanged, despite national healthcare costs continuing to rise annually. We’re proud to continue making this investment in our employees and their families.
- Plan type: Self-funded
- Network: PHCS
- Administrator: Imagine 360
- Pricing model: Reference-based pricing
Imagine 360 offers a member portal that allows access to:
- View claims and explanation of benefits
- Find in-network providers
- Access your digital ID card
- Manage your account online
| Service | Your cost (in-network) |
|---|---|
| Preventive care | |
| Preventive office visit / lab / preventive tests | Covered 100% |
| Office visits — sickness & injury | |
| Primary care physician | $20 copay |
| Specialist / chiropractic / physical therapy | $40 copay |
| Virtual care (First Stop Health) | Covered 100% |
| Outpatient diagnostics (lab/X-ray) | Deductible + 20% |
| Hospital & urgent care | |
| Urgent care | $40 copay |
| Emergency room | $150 copay |
| Complex imaging | Deductible + 20% |
| Ambulance | Deductible + 20% |
| Inpatient hospital stay | Deductible + 20% |
| Outpatient surgery | Deductible + 20% |
Key Terms
A set dollar amount you pay at the time of a specific service, such as a doctor visit or urgent care.
The amount you pay out of pocket before the plan begins sharing costs.
The percentage of costs you are responsible for after meeting your deductible. You pay 20%; the plan pays 80%.
Prescription coverage is bundled with medical and administered through True Rx. For high-cost or specialty medications, NAPA has partnered with SHARx. Eligible prescriptions may be free for you and your covered dependents. If one of your prescriptions qualifies for the program, SHARx will reach out to you directly.
| Service | Supply limit | Your cost |
|---|---|---|
| Prescription Card Service — 100% after applicable copay | ||
| Formulary generic drugs | 30 days | $4 copay |
| Non-formulary generic drugs | 30 days | $20 copay |
| Formulary brand name drugs | 30 days | $40 copay |
| Non-formulary brand name drugs | 30 days | $70 copay |
| Mail Order Service — 100% after applicable copay | ||
| Formulary generic drugs | 90 days | $8 copay |
| Non-formulary generic drugs | 90 days | $40 copay |
| Formulary brand name drugs (Tier 2) | 90 days | $80 copay |
| Non-formulary brand name drugs (Tier 3) | 90 days | $140 copay |
First Stop Health is available at no cost to all medically enrolled employees and their covered dependents.
Talk To A Doctor 24/7
- Cough and sore throat
- Sinus, ear, UTI infections
- Skin rash
- Muscle/joint pain
- Medication refills
Talk To A Counselor
- Anxiety and depression
- Marital/relationship concerns
- Substance use
- Work/life stress
Access to 2,600+ imaging providers nationwide. Choosing the right facility for your MRI, CT, or PET scan can significantly reduce your cost.
At no cost to enrolled members and dependents. Includes a blood glucose meter, unlimited strips and lancets, and personalized health guidance.
New for 2026–2027. Free orthopedic care for enrolled employees and dependents. Deductibles, copays, and coinsurance do not apply.
Two plan options are available to meet your needs. Both include two preventive exams and cleanings per year. Visit deltadentalins.com to find a provider.
| Plan detail | Tier 1 | Tier 2 |
|---|---|---|
| Annual deductible — individual | $50 (excludes preventive) | $50 (excludes preventive) |
| Annual deductible — family | $200 (excludes preventive) | $200 (excludes preventive) |
| Annual benefit maximum | $1,000 | $1,500 |
| Covered services — your cost | ||
| Preventive (exams, cleanings, X-rays) | No charge | No charge |
| Basic (fillings, extractions, root canals) | You pay 20% | You pay 20% |
| Major (crowns, dentures, bridges, implants) | You pay 50% | You pay 50% |
| Orthodontics (lifetime max) | $1,000 | $1,000 |
Covers eye exams, lenses, frames, and contacts. Visit davisvision.com to find a provider.
| Benefit | Frequency | In-network cost |
|---|---|---|
| Eye exam | Every 12 months | No charge |
| Lenses | Every 12 months | No charge |
| Frames — fashion level | Every 24 months | No charge |
| Frames — designer level | Every 24 months | $20 copay |
| Frames — premier level | Every 24 months | $40 copay |
| Contact lenses | Every 12 months | No charge |
Voluntary benefits provide a lump sum directly to you if you experience a covered injury, illness, or hospital stay. Coverage is available for you, your spouse, and dependents. You must enroll within your first 90 days of employment. Premiums are paid via convenient payroll deduction.
Accident Insurance
Pays cash benefits directly to you for covered accidental injuries regardless of any other insurance you have.
- Fractures, dislocations, burns, concussions
- ER visits, ambulance, X-rays, physical therapy
- Sports Package: 25% benefit increase (up to $1,000/year) for injuries from organized sports
- Wellness Benefit: $100 for a covered health screening test
- Additional Accident Benefit: $175 paid when your first claim is reported
Critical Illness Insurance
Lump sum paid directly to you upon diagnosis of a covered condition. Use it however you need including bills, mortgage, childcare, or lost income.
- No lifetime maximum on benefits
- Recurrence benefit: receive 100% of your face amount again if a covered condition recurs (treatment-free period applies)
- Wellness Benefit: $50 for a covered health screening, eye exam, or preventive visit
- Childhood conditions covered at 100% (autism, cerebral palsy, Type 1 diabetes, and more)
Covered conditions include: cancer, heart attack, stroke, ALS, Alzheimer’s, coma, coronary artery obstruction, Parkinson’s, and more. Spouse: 100% of face amount. Children: 50% of face amount.
Hospital Indemnity (Hospital Cash)
Cash benefits paid directly to you when hospitalized due to injury or illness, regardless of other coverage you have.
- Hospital Admission: $1,000 per admission (max 1/year)
- ICU Admission: $2,000 per admission
- Confinement: $100/day (up to 30 days/year)
- ICU Confinement: $200/day (up to 15 days/year)
- Newborn Nursery: $75/day
- First Confinement Bonus: Extra $100 on your first covered hospital stay
Combines permanent life insurance and long-term care benefits in one plan. Available on a guaranteed issue basis with no medical questions and no denial up to benefit limits. Your rate does not increase as you age.
Scan for complete plan details, benefit summaries, and voluntary benefit pricing.
napatran.com/napa-benefits-hub
NAPA pays 100% of the basic life and AD&D premium through Symetra. All eligible employees are automatically enrolled on their 90th day of employment.
| Covered person | Company-paid benefit |
|---|---|
| Employee | $15,000 |
| Spouse | $5,000 |
| Child(ren) | $2,000 |
| Covered person | Benefit option | Guaranteed issue |
|---|---|---|
| Employee | Up to $200,000 (in $10,000 increments; max 5× salary) | 5× annual salary / $100,000 |
| Spouse | Up to 100% of employee / $100,000 | Up to $25,000 |
| Child(ren) | Up to 100% of employee benefit | Up to $10,000 |
| Benefit | 40% or 60% of weekly earnings (up to $1,500/week) |
| Benefits begin | Day 15 of qualifying disability |
| Maximum duration | 24 weeks |
| Benefit | 60% of monthly earnings (up to $5,000/month) |
| Benefits begin | Day 180 or when STD ends |
| Maximum duration | 2 years (prior to age 68); to age 70 at 68; 1 year at 69+ |
Scan for complete life and disability plan details, coverage amounts, and pricing.
napatran.com/napa-benefits-hub
- Auto-enrolled at age 21 after 6 months of service (default: 1% pre-tax)
- Contribute 1%–90% of your pay
- Traditional pre-tax 401(k) or Roth 401(k) options
- Your contributions are always 100% yours
- NAPA contributions fully vest at 6 years
- Choose from a variety of investments in ADP Retirement Savings
- Loan provisions available (subject to plan rules)
- Hardship withdrawals and rollovers permitted
- Manage contributions, investments, and account details via ADP Self Service at adp.com
Available at no cost to all employees and eligible family members — 24/7. When calling, mention Symetra as NAPA’s sponsor.
Confidential counseling
Stress, anxiety, depression, grief, substance use, credit issues, and more.
Financial guidance
Debt management, tax questions, retirement and estate planning.
Legal support
Family law, debt/bankruptcy, landlord issues, contracts, and civil/criminal actions.
NAPA has not increased medical premiums in 12 years! Our benefits are benchmarked against other transportation companies and we’re proud to say NAPA’s employee premium contributions are lower than industry averages across all coverage levels. Your weekly contributions are deducted pre-tax, reducing your taxable income.
| Coverage tier | Medical | Vision | Dental Tier 1 | Dental Tier 2 |
|---|---|---|---|---|
| Employee only | $32.28 | $1.77 | $3.65 | $7.00 |
| Employee + spouse | $75.27 | $3.64 | $7.30 | $14.05 |
| Employee + child(ren)* | $67.45 | $3.04 | $7.30 | $14.05 |
| Employee + family | $110.45 | $4.91 | $11.00 | $21.08 |
*If you cover more than one dependent, dental coverage moves to the family tier.
Scan for full plan details, carrier information, and voluntary benefit pricing.
napatran.com/napa-benefits-hub
This benefits guide is for informational purposes only and is neither an offer of coverage nor medical or legal advice. It contains only a partial description of plan benefits and does not constitute a contract. Please refer to the Summary Plan Description (SPD) for complete plan details. In case of conflict, plan documents will always govern.
If you need health insurance coverage before your employer-sponsored benefits begin, several coverage options may be available depending on your individual circumstances. This page outlines your options and introduces the resources available to help you find coverage and keep costs manageable in the meantime.
Benefits All In serves as NAPA’s independent benefits advocate. Carole and her team can help you navigate your options during the waiting period, compare marketplace plans, understand subsidy eligibility, and connect you with prescription assistance programs at no cost to you.
If you recently left a job where you had health insurance, you may be eligible to continue that coverage temporarily through COBRA (or a state equivalent). COBRA allows you to keep the exact same plan for up to 18–36 months, though you’ll pay the full premium plus a small administrative fee.
- You typically have 60 days from your qualifying event to elect COBRA
- Coverage is retroactive — you don’t have to elect it immediately; you can wait and see if you need it
- Can be expensive but provides seamless continuation of your existing providers and network
Starting a new job counts as a Special Enrollment Period, giving you 60 days to enroll in a Marketplace plan even outside of open enrollment. Depending on your income, you may qualify for significant premium tax credits that make coverage more affordable than COBRA.
- Visit healthcare.gov or call 1-800-318-2596
- Plans range from catastrophic (lower premium, higher deductible) to gold/platinum (higher premium, lower cost-sharing)
- Benefits All In can help you compare plans and estimate your subsidy eligibility
If your income is below a certain threshold, you may qualify for Medicaid — free or very low-cost health coverage through your state. Eligibility is based on household size and income.
- No waiting periods or enrollment windows
- Apply anytime at healthcare.gov or your state Medicaid office
- Pennsylvania: PA CHIP/Medicaid — compass.state.pa.us
FQHCs are federally funded community health centers that provide primary care, dental, mental health, and some specialty services on a sliding-fee scale based on your income — regardless of insurance status.
- Some visits may cost as little as $0–$20
- Find a center near you: findahealthcenter.hrsa.gov
- No insurance required
Even without insurance, several programs can dramatically reduce what you pay at the pharmacy. These can also be used by insured employees when they’re cheaper than your copay.
| Program | How it works | Best for | How to access |
|---|---|---|---|
| GoodRx | Free coupons that can reduce drug costs up to 80%. Compare prices across pharmacies. | Common generics, short-term meds | goodrx.com or GoodRx app — show coupon at pharmacy |
| SingleCare | Free prescription savings card accepted at 35,000+ pharmacies. No enrollment needed. | Brand-name and generic drugs | singlecare.com or call 844-234-3057 |
| NeedyMeds | Database of patient assistance programs, drug discount cards, and disease-specific resources. | Chronic condition medications, high-cost drugs | needymeds.org | Helpline: 800-503-6897 |
| RxAssist / PAP | Patient Assistance Programs offered directly by drug manufacturers — often free or near-free for qualifying individuals. | Brand-name medications, specialty drugs | rxassist.org — search by medication name |
| Mark Cuban’s Cost Plus Drugs | Transparent pricing at cost + 15% markup + $5 pharmacy fee. Dramatically lower prices on hundreds of generics. | Generic medications, ongoing prescriptions | costplusdrugs.com — prescription required |
| SHARx (NAPA partner) | Once enrolled in NAPA benefits, SHARx may make eligible specialty prescriptions free for you and dependents. | High-cost specialty medications | 314-451-3555, Option 1 |