IN-NETWORK
BENEFITS |
Copayment Plus 3500 POS |
Copayment Plus 5500 HMO |
Deductible |
Individual: $3,500
|
Individual: $5,500
|
Coinsurance |
You pay 30% (after deductible)
|
You pay 30% (after deductible)
|
Out of Pocket Maximum |
Individual: $7,000
|
Individual: $8,550
|
Office Visit Copay |
$0 Doctor on Demand$25 Designated PCP$40 Other PCP
$60 Non-PCP
$40 Urgent Care
|
$0 Doctor on Demand$25 Designated PCP$40 Other PCP
$60 Non-PCP
$40 Urgent Care
|
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$350 copay |
$400 copay |
Prescription DrugCost Per Tier |
Tier 1: $25 copay (deductible waived)
|
Tier 1: $30 copay
|
The Arc of East Central Iowa
ENROLL IN YOUR BENEFITS
WELCOME TO YOUR BENEFITS PORTAL
Explore this portal to understand your options, make confident choices, and enroll with ease. Ensure you and your family are covered for the year ahead.
HOW TO ENROLL
To simplify the enrollment process you can:
-
Enroll or re-enroll
-
Make changes to your benefits
-
Add or remove dependents
-
Enroll in flexible spending account(s)
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits portal whenever you or your family members have questions or want to review your benefits.
BENEFIT HIGHLIGHTS
BENEFITS SPOTLIGHT
Regular, full-time employees scheduled to work at least 30 hours per week are eligible for benefits. You must also be a citizen of the United States (U.S.) or non-U.S. citizen who is a legal permanent resident of the U.S.
BENEFIT TIP
If you and your spouse are both employees of the company, only one of you may cover your dependent children. Additionally, you cannot be covered as both an employee and a dependent. You must each enroll either individually or together with one as an employee and one as a dependent.
QUALIFYING LIFE EVENTS (QLE)
This is a change in your situation - like getting married, having a baby, or losing health coverage - that may allow you to enroll in health insurance outside the yearly Open Enrollment Period.
PREVENTIVE CARE
This step can help prevent future health concerns and lower health insurance costs. Learn more about what's covered and what isn't.
ADDITIONAL COVERAGE
Coverage at your fingertips - Home, Auto, and More! Get agent recommendations based on your needs.
APPROACHING RETIREMENT?
Understanding how Medicare works—and how it compares to your current coverage—can help you make informed decisions.
UNLOCK BENEFITS CLARITY
Ever feel lost in the world of employee benefits? We know it can be confusing. Our Monthly Minute communications library and your company's Benefits Education video library provide clear, concise information to help you understand your valuable benefits package.
BENEFITS QUESTIONS?
OUR BENEFITS STAFF IS HERE TO HELP
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
WELCOME
WE'RE SO GLAD YOU'RE HERE!
WHAT YOU NEED TO KNOW
Enrollment in benefits can be one of the most important decisions you will make this year.
Take time to review your benefits information.
Attend benefit enrollment meetings.
Ask questions when you do not understand.
ELIGIBILITY
All benefits are effective the first of the month following 30 days after date of hire.
The enrollment deadline is the last day of the month before your effective date (unless noted).
Enrollment requests must be received by Human Resources within 30 calendar days following the date of the event.
DEPENDENT ELIGIBILITY
Your eligible dependents include:
-
Your legal spouse;
-
Married or Unmarried dependents who are:
-
Your natural, adopted, legal guardianship and/or stepchildren from birth until the end of the month in which they reach the age of 26, regardless of whether they are eligible for another group health plan as an employee.
CHANGES
Changes to your benefits enrollment can only be made:
-
At the time of hire
-
During the annual enrollment period
-
January 1 effective date
-
-
Due to a Qualifying Life Event
Qualifying Life Events (QLE) include:
-
Marriage
-
Divorce / Legal Separation
-
Birth of a child
-
Adoption of a child
-
Loss of other employer-sponsored coverage
-
New election of other employer-sponsored coverage
RESOURCES
The Plan Documents & Notices page contains benefit summaries (SBC), summary plan descriptions (SPD), brochures, forms, and applicable applications.
ENROLL IN YOUR BENEFITS
You have 30 DAYS from your date of hire to enroll in your new benefits.
EDUCATE
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
EVALUATE
Make your benefit decisions and make sure you have what you need to enroll...
Do you have your Dependents' birthdays and Social Security Numbers?
How about your Beneficiary(s)' address?
Having correct First and Last names on hand is also helpful.
ENROLL
Email Doriene Loomis at
dloomies@arceci.org
for benefit enrollment instructions.
Email Doriene Loomis dloomis@arceci.org for benefit enrollment instructions.
- Enroll or re-enroll
- Make changes to your benefits
- Add or remove dependents
- Enroll in flexible spending account(s)
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits portal whenever you or your family members have questions or want to review your benefits.
BENEFITS QUESTIONS?
OUR BENEFITS STAFF IS HERE TO HELP
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
MEDICAL
2026 MEDICAL BENEFITS
Administered by Wellmark BlueCross BlueShield.
The Arc is committed to offering a variety of medical benefits that provide generous coverage for employees and their covered dependents. We offer medical plans to fit your budget and needs.
For full plan details, please review the plan documents.
MEDICAL PLANS COMPARISON
MONTHLY RATE |
Copayment Plus 3500 POS |
Copayment Plus 5500 HMO |
Employee |
$370.69 |
$161.25 |
Employee + Spouse |
$736.77 |
$319.03 |
Employee + Child(ren) |
$682.63 |
$295.70 |
Employee + Family |
$1,093.42 |
$472.75 |
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
DENTAL & VISION
2026 DENTAL & VISION BENEFITS
Administered by Delta Dental and Delta Vision.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans.
For full plan details, please review the plan documents.
SERVICES |
Premier DENTISTS |
Deductible |
Individual: $25 Family: $75 |
Annual Maximum |
$1,500 per person/year |
Diagnostic & Preventive Services |
Covered at 80%; deductible is waived |
Routine & Restorative Services |
You pay 50% (after deductible) |
Major Services |
You pay 50% (after deductible) |
Posterior Composites & Implants |
You pay 60% (after deductible) |
Orthodontic |
You pay 50% (after deductible) |
COVERAGE LEVEL |
MONTHLY RATE |
Age 21+ |
$33.64 |
Age 20 and under |
$23.80 |
Notes |
Must Calculate per Person |
For full plan details, please review the plan documents.
SERVICES |
VISION BENEFIT |
Eye Exam1 every 12 months
|
You pay $10 copay |
Frames*1 every 24 months
|
$130 allowance and 20% off the amount over your allowance. |
Lenses *1 every 12 months
|
In-network: Single Vision: You pay $10 copay |
Contact Lenses1every 12 months
|
$130 allowance and 15% discount on the balance over $130 |
Laser Vision Correction |
15% off retail price or 5% off promotional price |
*Charges for lenses, frames, and contact lenses above the available benefit will be the responsibility of the participant.
**Plan allows only lenses or contacts within the calendar year not both.
**Plan allows only lenses or contacts within the calendar year not both.
COVERAGE LEVEL |
MONTHLY RATE |
Employee |
$9.40 |
Employee + Spouse |
$17.88 |
Employee +Child |
$20.24 |
Employee + Family |
$26.72 |
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
FLEXIBLE SPENDING ACCOUNT (FSA)
2026 FSA BENEFITS
Administered by TASC.
We offer Flexible Spending Accounts (FSA), administered through TASC.
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNT (FSA) |
Dependent Care FSA |
|
Contribution limits |
2026 limits: $3,400/year maximum |
Single or married, filing jointly: $7,500/year maximum
Married, filing separate tax returns: $3,750/year maximum |
Claim deadline |
Use 2026 funds from January 1, 2026 through December 31, 2026. File claims by March 15, 2027. |
Use 2026 funds from January 1, 2026 through December 31, 2026. File claims by March 15, 2027. |
“Use it or lose it” rule apply? |
Yes |
Yes |
Unused funds carry over? |
Yes, you are allowed to carry over a maximum of $680 |
No |
What expenses are eligible? |
See www.irs.gov, Publication 502. |
Daycare expenses for your dependents while you are at work. See www.irs.gov, Publication 503. |
Can I invest the money in my account? |
No |
No |
ELIGIBLE EXPENSESBeyond Your Plan Coverage
|
|
Common examples |
|
Download information on Health Care and Limited FSAs from the Internal Revenue Service |
IRS - Publication 502 |
Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
|
Also, try: |
FSAstore.com |
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
LIFE & SUPPLEMENTAL
2026 LIFE & SUPPLEMENTAL BENEFITS
Administered by Mutual of Omaha, Embrace Pet Insurance, and Assurity.
We offer life, disability, and additional coverage plans to help you plan for your family's financial security.
For full plan details, please review the plan documents.
BASIC LIFE AND AD&D BENEFIT* |
|
Employer Paid Life and Accidental Death & Dismemberment |
Benefit of $25,000 paid by your employer |
EMPLOYEE-PAIDLIFE AND AD&D |
BENEFITS |
GUARANTEE ISSUE** |
Is EOI Required? |
Employee |
Elect in increments of $10,000, up to a maximum of $300,000 not to exceed 5 times their annual salary |
5 times earnings up to $100,000 |
Yes, for amounts over $50,000, unless you enroll when you first become eligible. |
Spouse |
Elect in increments of $5,000, not to exceed 100% of employee’s coverage or $100,000 |
100% of employee elected amount up to $25,000 |
Yes, for amounts over $25,000, unless you enroll when you first become eligible. |
Children |
Elect in increments of $1,000 with a $2,000 minimum and not to exceed 100% of the employee elected amount
|
$10,000 |
|
*100% of the cost of this benefit is covered by The Arc.
**New Hire / Open Enrollment Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI). To complete your EOI form click here.
**New Hire / Open Enrollment Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI). To complete your EOI form click here.
For full plan details, please review the plan documents.
DISABILITY BENEFITS |
SHORT-TERM |
LONG-TERM |
Coverage amount |
60% of your weekly pay, up to $1,200 per week |
60% of your monthly pay, up to $5,000/month |
Elimination Period |
Benefits begin after 14-days elimination period/waiting period. |
Benefit begin after 180-days |
Benefits Period |
Benefits may be paid for up to 24 weeks |
Reducing Benefit Duration to Social Security Normal Retirement Age (SSNRA) |
Who Pays for Coverage? |
You, if you choose to enroll |
Your Employer |
DESIGNATE YOUR BENEFICIARY(S)
Choosing beneficiaries is an act of love and foresight. It secures the stability of your loved ones and empowers the causes closest to your heart.
First, collect the information you will need, such as:
-
Full legal name
-
Date of birth
-
Relationship (if applicable)
-
Tax Identification Number (TIN)
-
Social Security Number (SSN)
-
Employer Identification Number (EIN)
-
-
Mailing address
-
Email address
-
Phone number
Download the Beneficiary Change Form to add or change your beneficiary(s).
For full plan details, please review the plan documents.
ACCIDENT INSURANCE BENEFIT |
|
What is it?What is covered? |
Even with a good health insurance plan, a trip to the doctor or hospital can be expensive. Many people find themselves paying more out of their own pocket each year. If you or someone in your family are hurt in an accident, the last thing you want to think about is how you are going to pay for medical care. |
For full plan details, please review the plan documents.
CRITICAL ILLNESS BENEFIT |
|
What is it?What is covered? |
More people are surviving life threatening illnesses than ever before. Unfortunately the cost of critical illness care is high and medical bills can follow survivors long after they’ve proven victorious in their fight.
|
For full plan details, please review the plan documents.
HOSPITAL INDEMNITY BENEFIT |
|
What is it?What is covered? |
A hospital stay can be expensive even with a good health insurance plan. If you or someone in your family gets sick or injured and needs to go to the hospital, the last thing you want to think about is how you are going to pay for medical care. |
For full plan details, please review the plan documents.
PET INSURANCE BENEFIT |
|
What is it? |
The pet insurance plan is composed of the only plans specifically designed for employees and gives you superior protection at an unbeatable price : |
What is covered? |
The accident and illness pet health insurance policy from Embrace covers nearly everything*, including:
|
Cost of the Plans |
Get your free quote in minutes at EmbraceWorks.com |
Pre-Existing Conditions |
Carrier does not cover pre-existing conditions |
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
EMPLOYEE ASSISTANCE
2026 EMPLOYEE ASSISTANCE PROGRAM (EAP)
Administered by Mutual of Omaha.
The Arc is committed to our employees and their covered dependents. Our Employee Assistance Program (EAP) includes 24/7 services.
For full plan details, please review the plan documents.
EMPLOYEE ASSISTANCE PROGRAM
EMPLOYEE ASSISTANCE PROGRAM (EAP) |
|
Who is eligible? |
The EAP is available to:
You are not required to be enrolled in a medical plan. |
Is it confidential? |
YES.You have confidential access to experienced clinicians and professional staff. |
Can I access information online? |
Yes. Go to www.mutualofomaha.com/eap/. |
Is EAP Free? |
Unlimited phone consultations per year are free. Referrals for 4 face-to-face counseling sessions at no cost, if needed, may require payment. Call for details or speak with your HR representative. |
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
DOCUMENTS & NOTICES
PLAN DOCUMENTS & LEGAL NOTICES
Download the documents you need for each benefit plan you are enrolled in.
ANNUAL LEGAL NOTICES
MEDICAL 5500 HMO DOCUMENTS
MEDICAL 3500 POS DOCUMENTS
DENTAL PLAN DOCUMENTS
FSA DOCUMENTS
LIFE INSURANCE DOCUMENTS
EAP DOCUMENTS
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
NEED HELP?
CONTACT INFORMATION
Benefits contact information for when you need answers.
MEDICAL CARRIER
DENTAL CARRIER
VISION CARRIER
FSA CARRIER
LIFE INSURANCE CARRIER
DISABILITY INSURANCE CARRIER
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
BENEFITS EDUCATION
BENEFITS EDUCATION VIDEOS
Understand confusing benefits terms by browsing our extensive video library.
BENEFITS BASICS
PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE
MEDICAL
DENTAL & VISION
FLEXIBLE SPENDING ACCOUNT (FSA)
EMPLOYEE ASSISTANCE & WELLNESS
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
ADDITIONAL COVERAGES
ADDITIONAL SUPPLEMENTAL
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
ENROLL TODAY!
ENROLL IN YOUR BENEFITS
Enroll in your benefits or changing your existing enrollment.
EDUCATE
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
EVALUATE
Make your benefit decisions and make sure you have what you need to enroll...
Do you have your Dependents' birthdays and Social Security Numbers?
How about your Beneficiary(s)' address?
Have you decided how much to contribute to your HSA or FSA?
Having correct First and Last names on hand is also helpful.
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
