IN-NETWORK BENEFITS |
PPO Plan |
HDHP 1 PlanPPO |
HDHP 2 PlanPPO |
Preventive Care* |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Office Visit Copay(See more about telemedicine from Doctor On Demand below.) |
$0 Doctor On Demand $25 PCP $50 Non-PCP $40 Urgent Care |
$0 Doctor On Demand
Deductible then 20% coinsurance |
$0 Doctor On Demand
Deductible then 30% coinsurance |
Emergency Room Copay |
$500 copay |
Deductible then 20% coinsurance |
Deductible then 30% coinsurance |
Prescription DrugCost Per Tier |
Tier 1: $10 Tier 2: $40 Tier 3: $50 Tier 4: $200 |
Deductible then 20% coinsurance |
Deductible then 30% coinsurance |
Deductible |
$3,000 Single $6,000 Family |
$3,000 Single $6,000 Family |
$4,500 Single $9,000 Family |
Coinsurance |
You pay 20% Plan pays 80% |
You pay 20% Plan pays 80% |
You pay 30% Plan pays 70% |
Out-of-Pocket Maximum |
$6,000 Single $12,000 Family |
$3,600 Single $7,200 Family |
$6,550 Single $13,100 Family |
2ND ADVENTURE SERVICES
WELCOME TO YOUR BENEFITS PORTAL
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
How to Enroll
We partner with ADP Workforce Now to simplify the enrollment process! With ADP 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.
Unlock Benefits Clarity
Monthly Minute Communications Library
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.
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.
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
New Hires
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
Most benefits are effective the first day of the month following the date of hire for full-time employees working a minimum of 30 hours per week.
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.
Documents can also be found in ADP Workforce Now.
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?
Have you decided how much to contribute to your HSA or FSA?
Having correct First and Last names on hand is also helpful.
We partner with ADP Workforce Now to simplify the enrollment process! With ADP 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.
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
2027 MEDICAL BENEFITS
Administered by Wellmark.
2nd Adventure Services 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
* Preventive Care is defined by the Affordable Care Act (ACA). Visit Healthcare.gov/coverage/preventive-care-benefits to access a list of covered preventive services by gender and age.
BI-WEEKLY RATEWellness Participant |
PPO Plan |
HDHP 1 Plan |
HDHP 2 Plan |
Employee |
$112.51 |
$98.56 |
$46.61 |
Employee + Spouse |
$228.44 |
$198.08 |
$93.60 |
Employee + Child(ren) |
$205.69 |
$183.01 |
$84.22 |
Employee + Family |
$333.22 |
$297.67 |
$133.72 |
BI-WEEKLY RATENon-Wellness Participant |
PPO Plan |
HDHP 1 Plan |
HDHP 2 Plan |
Employee |
$163.83 |
$149.88 |
$97.92 |
Employee + Spouse |
$279.75 |
$249.39 |
$142.09 |
Employee + Child(ren) |
$257.01 |
$234.33 |
$135.53 |
Employee + Family |
$384.53 |
$348.99 |
$185.04 |
For full plan details, please review the plan documents.
DOCTOR ON DEMAND
Visit a doctor virtually anywhere, anytime.
Get treated for:
- Cold and flu
- Sore throats
- Allergies
- Fever
- Bronchitis, sinus infections
- Urinary tract infections
- Pink eye
- Skin condition
- Headache
- Other conditions such as mental health (if covered by your health plan)
HOW TO GET STARTED
HAVE YOUR ID CARD
Have your Wellmark Member ID card ready.
REGISTER OR SIGN IN
Create an account or sign in.
4 Ways to SAVE on Prescription Drug Costs
Many are feeling the strain of rising healthcare costs. Learn how to alleviate the burden of prescription medication costs and prioritize your health!
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
2027 DENTAL & VISION BENEFITS
Administered by Delta Dental and VSP.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans.
✨ If you have an HSA or FSA, you can use these funds to cover eligible expenses, such as your deductible or copay.
For full plan details, please review the plan documents.
DENTAL PLAN
BASE PLAN SERVICES |
PPO NETWORK |
PREMIER/ NON-PAR NETWORK |
Annual Maximum |
$1,500 |
$1,500 |
Deductibles |
$25 Individual $75 Family |
$50 Individual $150 Family |
Preventive Services |
Covered at 100% |
Covered at 100% |
Basic Services |
Routine & Restorative: Covered at 90%
Endodontics & Periodontics: Covered at 80% |
Covered at 80% |
Major Services |
Covered at 50% |
Covered at 50% |
Orthodontic(up to age 19)
|
Not Covered |
Not Covered |
BUY-UP PLAN SERVICES |
PPO NETWORK |
PREMIER/ NON-PAR NETWORK |
Annual Maximum |
$2,500 |
$2,500 |
Deductibles |
$15 Individual $45 Family |
$25 Individual $75 Family |
Preventive Services |
Covered at 100% |
Covered at 100% |
Basic Services |
Routine & Restorative: Covered at 90%
Endodontics & Periodontics: Covered at 80% |
Covered at 80% |
Major Services |
Covered at 50% |
Covered at 50% |
Orthodontic(up to age 19)
|
Covered at 50% Up to $2,500 lifetime maximum |
Covered at 50% Up to $2,500 lifetime maximum |
BI-WEEKLY RATE |
BASE PLAN |
BUY-UP PLAN |
Employee |
$2.09 |
$4.46 |
Employee + Spouse |
$6.76 |
$15.70 |
Family |
$6.76 |
$15.70 |
For full plan details, please review the plan documents.
VISION PLAN
IN-NETWORK SERVICES |
VISION BENEFIT |
Eye Exam1 every 12 months |
$10 copay |
Eyeglasses* |
|
Frames1 every 12 months |
$250 Featured Frame Brands allowance $230 allowance and 20% discount off the balance |
Lenses**1 every 12 months (Single vision, lined bi-focal, lined tri-focal) |
$10 copay Additional fees may apply for lens enhancements |
Contact Lenses**1 every 12 months |
Up to $60 Fitting & Evaluation
Conventional/Elective: $130 allowance
Medically Necessary: Plan pays 100% after $0 copay |
COVERAGE LEVEL |
BI-WEEKLY RATE |
Employee |
$6.02 |
Employee + Spouse |
$9.64 |
Employee + Child(ren) |
$9.84 |
Employee + Family |
$15.86 |
*Charges for lenses, frames, and contact lenses above the available benefit will be the responsibility of the participant.
**Plan allows only eyeglass lenses or contact lenses within the calendar year, not both.
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.
HSA & FSA
2027 HSA & FSA BENEFITS
Administered by HealthEquity.
We offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Eligibility in each plan will be based on enrollment. To learn more, watch "HSA vs. FSA."
For full plan details, please review the plan documents.
HEALTH SAVINGS ACCOUNT (HSA)
HSA OVERVIEW |
|
To be eligible you must:*Note: If your eligible dependent is covered under Medicare, you can continue contributing to the HSA |
• Be covered under a High Deductible Health Plan (HDHP) • Not be claimed as a dependent on someone else's tax return • Not maintain a Healthcare FSA • Not be enrolled in Medicare* • Not have received VA benefits within the past three months • Not have a spouse with an FSA plan through their employer |
Maximum contributions |
Single: $4,500 Family: $9,000 Catch-up: $1,000 (those 55+) |
Pre-tax contributions? |
Yes |
Employer contributions? |
Yes, per the following limits per pay period:
$38.47 Individual $76.93 Family
$4,500 Medical Deductible: $57.70 Individual $115.39 Family |
Availability of funds |
Funds must accumulate before using |
Use it or lose it? |
No, unused funds roll over from year to year |
Can take it with you if you leave the company? |
Yes |
ELIGIBLE EXPENSESBeyond Your Plan Coverage |
|
More common examples |
|
Less common examples |
|
Download the full list from the Internal Revenue Service |
|
Also, try: |
|
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNTS (FSA)
FSA OVERVIEW |
|
Eligibility rules: |
If you are enrolled in a High Deductible Health Plan (HDHP), you can only enroll in a Limited Purpose Flexible Spending Account |
Maximum contributions |
Healthcare and Limited Purpose: $3,500
Dependent Care: $7,500 ($3,750, if filing Single) |
Pre-tax contributions? |
Yes |
Availability of funds |
Healthcare and Limited Purpose: Available on day 1
Dependent Care: Funds must accumulate before using |
Use it or lose it? |
Yes, however, the plan has a grace period that allows you to use current year funds to pay for services incurred in the first 2.5 months of the next plan year. |
Can take it with you if you leave the company? |
No |
ELIGIBLE EXPENSESBeyond Your Plan Coverage |
|
Common examples |
|
Download information on Health Care and Limited FSAs from the Internal Revenue Service |
|
Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
|
Also, try: |
|
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
2027 LIFE & SUPPLEMENTAL BENEFITS
Administered by Mutual of Omaha and American Public Life.
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.
LIFE INSURANCE
LIFE AND AD&D INSURANCE*COMPANY-PAID
|
|
Life Benefit |
$50,000 Hourly $100,000 Salary |
Accidental Death & Dismemberment |
$50,000 Hourly $100,000 Salary |
*100% of the cost of this benefit is covered by the employer.
VOLUNTARY LIFE AND AD&DEMPLOYEE PAID |
Employee Benefit |
|
Increments of $10,000 up to $500,000 |
Guaranteed Issue**:5 times annual earnings Up to $180,000 |
Spouse Benefit |
|
Increments of $5,000 up to $250,000 |
Guaranteed Issue**:100% of employee elected amount Up to $50,000 |
Child Benefit |
|
$10,000 for children 6 months to 26 years
$250 benefit for children 14 days to 6 months |
Guaranteed Issue**:Up to $10,000 |
**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 INSURANCE
SHORT-TERM DISABILITY - HOURLY EMPLOYEES |
|
Income replacement amount |
66 2/3% of basic bi-weekly earnings Up to $500 per week |
Maximum payment period |
24 weeks |
Accident benefits begin |
Day 15 |
Illness benefits begin |
Day 15 |
SHORT-TERM DISABILITY - SALARY EMPLOYEES |
|
Income replacement amount |
100% of regular bi-weekly earnings |
Maximum payment period |
24 weeks |
Accident benefits begin |
Day 1 |
Illness benefits begin |
Day 1 |
LONG-TERM DISABILITY - SALARY EMPLOYEES |
|
Income replacement amount |
60% of monthly income Up to $10,000 per month ($15,000 - Executives) |
Maximum payment period |
Social Security Normal Retirement Age (SSNRA) |
Accident benefits begin |
Day 181 |
Illness benefits begin |
Day 181 |
Pre-existing conditions |
3 months / 12 month look back |
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
Then, log in to ADP to add or change your beneficiary(s).
SUPPLEMENTAL INSURANCE
For full plan details, please review the plan documents.
ACCIDENT INSURANCE BENEFIT |
|
What is it? |
When you have a covered accident, you can receive cash benefits to use however you see fit. |
What is covered? |
Coverage typically includes ambulance services, emergency room visits, intensive care unit confinement, etc. |
For full plan details, please review the plan documents.
CRITICAL ILLNESS BENEFIT |
|
What is it? |
This typically pays a lump-sum benefit directly to you at the time a covered illness (such as a stroke, heart attack or cancer) occurs or is diagnosed. |
What is covered? |
You can use the money for everyday expenses like mortgage payments, utility bills or childcare. |
For full plan details, please review the plan documents.
HOSPITAL INDEMNITY BENEFIT |
|
What is it? |
Similar to Accident and Critical Illness Plans, Hospital Indemnity provides a lump-sum benefit to use for expenses related to a hospital stay. |
What is covered? |
Expenses covered include: hospital admission, hospital confinement, lodging, transportation and more. |
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
2027 EMPLOYEE ASSISTANCE PROGRAM (EAP)
Administered by Mutual of Omaha.
2nd Adventure Services is committed to the overall well-being of our employees and your 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. |
When can I access? |
24 hours per day |
What is covered? |
6 sessions per year (per household) Face-to-face or via secure telehealth portal.
The EAP can help with challenges like:
|
For full plan details, please review the plan documents.
ON-DEMAND COACHING
Doctor on Demand behavioral health coaching is available any time, so you can access the support you need when you need it at no additional cost.
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.
VISION DOCUMENTS
HEALTH SAVINGS ACCOUNT (HSA) DOCUMENTS
FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
VOLUNTARY LIFE DOCUMENTS
LONG-TERM DISABILITY (LTD) DOCUMENTS
ACCIDENT DOCUMENTS
CRITICAL ILLNESS 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.
HUMAN RESOURCES
Lisa Walston
Sr. Payroll & Benefits Admin
Josey Van Weelden
Dir of HR Administration
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 Clarity
Benefits Education Video Library
Understand confusing benefits terms by browsing our extensive video library.
BENEFITS BASICS
PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE
MEDICAL PLANS
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE INSURANCE
DISABILITY INSURANCE
SUPPLEMENTAL INSURANCE
EMPLOYEE ASSISTANCE & WELLNESS
Unlock Benefits Clarity
Monthly Minute Communications Library
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.
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 change your existing enrollment - as easy as online shopping.
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.
