IN-NETWORKBENEFITS |
GOLD PLAN |
SILVER PLAN |
BRONZE HDHP PLANwith HSA
|
|
Big M GAP Deductible Fund |
Eligible |
Eligible |
Not Eligible |
|
Preventive Visit Office Copay |
Covered at 100% |
Covered at 100% |
Covered at 100% |
|
Office Visit Copay |
$25 PCP $40 Specialist Up to $40 Urgent Care |
$50 PCP $50 Specialist $50 Urgent Care |
Deductible then 20% coinsurance
|
|
Emergency Room Copay
|
Deductible then 20% coinsurance |
Deductible then 20% coinsurance |
Deductible then 20% coinsurance |
|
Prescription Drug
|
$50 Per Individual
Tier 1: $15 Tier 2: $35 Tier 3: $75 Tier 4: $100 |
$200
Tier 1: $15 Tier 2: $35 Tier 3: $75 Tier 4: $100 |
Included in Medical Deductible
Deductible then 20% coinsurance |
|
Member Deductible |
$1,000 Single $2,000 Family |
$3,000 Single $6,000 Family |
$5,000 Single $10,000 Family |
|
Coinsurance |
You pay 20% Plan pays 80% |
You pay 20% Plan pays 80% |
You pay 20% Plan pays 80% |
|
Out-of-Pocket Maximum |
$8,150 Single $16,300 Family |
$9,200 Single $18,400 Family |
$6,000 Single $12,000 Family |
Transportation
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
We partner with Employee Navigator to simplify the enrollment process! With Employee Navigator you can:
-
Enroll or re-enroll
-
Make changes to your benefits
-
Add or remove dependents
NOTE: Open Enrollment may be closed, but 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.
The HealthJoy Mobile App
Get Your Benefits Questions Answered
Activate Your HealthJoy Account
Let HealthJoy be the first place you go for all your healthcare and benefits needs right from your mobile phone. Activate your HealthJoy account to simplify and save on high-quality care. Make the most of your benefits today!
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.
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.
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 60 days following the date of hire.
The enrollment deadline is 30 days from date of hire.
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 (October 1)
-
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 Employee Navigator.
Enroll in Your Benefits
You have 30 DAYS from your date of hire to enroll in your new benefits.
EDUCATE YOURSELF
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
MAKE DECISIONS
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.
We partner with Employee Navigator to simplify the enrollment process! With Employee Navigator 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.
The HealthJoy Mobile App
Get Your Benefits Questions Answered
Activate Your HealthJoy Account
Let HealthJoy be the first place you go for all your healthcare and benefits needs right from your mobile phone. Activate your HealthJoy account to simplify and save on high-quality care. Make the most of your benefits today!
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 YOURSELF
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
MAKE DECISIONS
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.
Have Benefit Questions?
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 BlueCross BlueShield of Mississippi.
Big M Transportation is committed to offering a benefits package that provides generous coverage for employees and their eligible dependents. We offer a medical plan with a Wex Health Reimbursement Arrangement, HRA.
For full plan details, please review the plan documents.
Medical Plan Summary
RATE PER MONTH |
GOLD PLAN |
SILVER PLAN |
BRONZE HDHP PLANwith HSA |
|
Employee |
$281.67 |
$208.00 |
$65.00 |
|
Employee + Spouse |
$1,126.68 |
$832.00 |
$195.00 |
|
Employee + Child(ren) |
$760.51 |
$561.60 |
$162.50 |
|
Employee + Family |
$1,408.35 |
$981.76 |
$227.50 |
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!
For full plan details, please review the plan documents.
Wellness Benefits
WELLNESS BENEFITS |
|
Healthy You! |
Our wellness program is covered at 100% once per calendar year with a network provider.
Download the Preventive Wellness Guidelines based on age/gender. |
Color Me Healthy! |
This program is only recognized and covered by our Mississippi Blue Primary Care network providers. If a member is low/moderate/ or high risk for blood glucose, blood pressure, or cholesterol, and the member’s provider enrolls them in the Color Me Healthy Program, the member gets additional visits covered at no cost to them.
|
Be Tobacco Free Program |
This program provides coverage to enrolled members at no out-of-pocket costs.
|
Well Mother Program |
We have lactation consultants and registered dieticians who can speak with members who are pregnant, thinking about becoming pregnant, or postpartum.
This is free, with no out-of-pocket costs.
|
Wellness Coaching |
BCBSMS has registered dieticians, wellness coaches, and exercise specialists who are available to work with participants who want guidance to lower their risks (hypertension, high cholesterol, etc)
This is also available with no out-of-pocket costs.
|
AIR AMBULANCE |
|
What is AirMedCare? |
The fact is, we were called upon by medical professionals to transport over 100,000 patients last year. It’s the best way to secure protection and avoid financial exposure. Even though most of our members carry traditional health insurance, providers offer many different types of plans and coverages. And, after co-insurance and deductibles, not every insurance company will cover the total cost of emergency medical transport. AMCN membership shields you and your entire household from all out-of-pocket expenses when transported by one of our providers.
Download the AirMedCare Benefit Summary
|
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 MetLife and VSP.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans.
For full plan details, please review the plan documents.
Dental Plan
IN-NETWORK SERVICES |
DENTAL BENEFIT |
|
Preventive Services |
Covered at 100% |
|
Deductibles |
$50 Individual $150 Family |
|
Basic Services |
Covered at 80% |
|
Major Services |
Covered at 50% |
|
Annual Maximum |
$1,250 |
|
Orthodontic (up to age 19) |
Covered at 50% Up to $1,000 lifetime maximum |
COVERAGE LEVEL |
RATE PER MONTH |
|
Employee |
$22.21 |
|
Employee + Spouse |
$48.83 |
|
Employee + Child(ren) |
$69.55 |
|
Employee + Family |
$96.19 |
For full plan details, please review the plan documents.
Vision Plan
IN-NETWORK SERVICES |
VISION BENEFIT |
|
Eye Exam 1 every 12 months |
In-Network: $10 copay
Out-of-Network: $45 copay |
|
Eyeglass Frames* 1 every 24 months |
In-Network: $150 allowance, then 20% off balance
Out-of-Network: $70 allowance |
|
Eyeglass Lenses * ** 1 every 12 months
|
In-Network: Single vision: $25 Bifocal: $25 Tri-focal: $25
Out-of-Network: Single vision: $30 |
|
Contact Lenses * ** 1 every 12 months |
Fitting & Evaluation: Up to $60
Conventional: $150 allowance
Medically Necessary: Plan pays 100% after $0 copay
Out-of-Network: $105 allowance |
COVERAGE LEVEL |
RATE PER MONTH |
|
Employee |
$7.35 |
|
Employee + Spouse |
$13.98 |
|
Employee + Child(ren) |
$14.72 |
|
Employee + Family |
$21.64 |
*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?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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
2026 Health Savings Account (HSA)
Administered by WEX.
HSAs can help you lower your taxes, cover some expenses your plan doesn't cover, and even help you save for retirement.
Eligibility will be based on enrollment in the Bronze HDHP medical plan.
Watch to learn the basics of what an HSA is.
Watch to learn how to optimize your HSA.
For full plan details, please review the plan documents.
Health Savings Account (HSA)
HSA Overview |
|
|
To be eligible, you must:
|
• Be covered under a High Deductible Health Plan (HDHP)
• Not be claimed as a dependent on someone else's tax return
• Not maintain a full-purpose Healthcare FSA
• Not be enrolled in Medicare • If your eligible dependent is covered under Medicare, you can continue contributing to the HSA
• Not have a spouse with a full-purpose FSA plan through their employer
• Additional eligibility rules may apply if you receive VA medical benefits. Refer to plan documents for details |
|
How do I put money into the account? |
Through pre-tax payroll deductions |
|
Does my employer contribute? |
Yes! Single: $500 per year Family: $1,000 per year |
|
Maximum Contributions |
2026 Single: $4,400 Family: $8,750 Catch-up: $1,000 (those 55+)
Note: The maximum includes both employee and employer contributions |
|
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: |
|
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 MetLife.
We offer life, disability, and additional coverage plans through MetLife to help you plan for your family's financial security.
For full plan details and premium rate information, please review the plan documents.
Life Insurance
Additional Life and AD&D Insurance*EMPLOYEE-PAID |
Employee Benefit |
|
Increments of $10,000 up to the lesser of $500,000 or 5x earnings |
Guaranteed Issue**:Up to $150,000 |
Spouse Benefit*** |
|
Increments of $5,000 up to $100,000
Spouse coverage cannot exceed 100% of employee elected amount |
Guaranteed Issue**:Up to $50,000 |
Child Benefit*** |
|
Options of $1,000, $2,000, $4,000, $5,000, or $10,000 for children 6 months to 25 years.
$1,000 benefit for children 14 days to 6 months. |
Guaranteed Issue**:Up to $10,000 |
*Age reductions may apply. Refer to the benefit plan document.
**Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI).
New Enrollees during Open Enrollment or those increasing current coverage by any amount will be required to complete and submit an EOI form.
If you are a late enrollee or requested coverage over the Guaranteed Issue amount, your coverage may require additional approval from the insurance company. Please note you are considered a late enrollee if you did not elect coverage when initially offered.
***IMPORTANT: The employee cannot cover dependents without covering themselves. Married employees cannot cover themselves and each other. Children of married employees can only be covered by one parent/employee.
For full plan details and premium rate information, please review the plan documents.
DISABILITY INSURANCE
Benefits* |
Short-TermEMPLOYEE-PAID
|
Long-TermEMPLOYEE-PAID
|
|
Coverage amount |
60% of weekly income $1,000 per week maximum |
60% of monthly income $6,000 per month maximum |
|
Maximum payment period |
13 weeks |
Social Security Normal Retirement Age (SSNRA) |
|
Accident benefits begin
|
Day 15 |
Day 91 |
|
Illness benefits begin |
Day 15 |
Day 91 |
*Employees enrolled in Short-Term Disability (STD) and Long-Term Disability (LTD) have access to the Employee Assistance Program and Worldwide Travel Assistance. Learn more...
**New Enrollees during Open Enrollment will be required to complete and submit an EOI form.
SUPPLEMENTAL INSURANCE
For full plan details and premium rate information, please review the plan documents.
ACCIDENT INSURANCE
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 and premium rate information, please review the plan documents.
CRITICAL ILLNESS
CRITICAL ILLNESS WITH CANCER 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.
Depending on the covered disease, you can access transportation benefits, hospice and nursing services, and more.
Note: Carefully read the policy before you purchase something to be sure the things that are covered meet your expectations. |
Designate Your Beneficiary(ies)
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.
1
COLLECT THEIR INFORMATION
-
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
2
GO TO EMPLOYEE NAVIGATOR
-
Log in to the Employee Navigator website
-
Navigate to "Benefits" or "Enrollment Summary"
-
Click "Beneficiaries"
-
Click "Edit Beneficiaries"
3
ADD OR UPDATE BENEFICIARY(S)
-
Select the specific benefit you want to update
-
Click on the "+" button
-
Enter the required information
-
Click "Save"
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 TELUS Health (MetLife).
Big M Transportation is committed to the overall well-being of our employees and your covered dependents. Our Employee Assistance Program (EAP) includes 24/7 services.
For benefits questions, contact HealthJoy.
For full plan details, please review the plan documents.
Employee Assistance Program
Download the app!
Search “TELUS Health”,
then login using the user name and password.
(Services are multilingual.)
EMPLOYEE ASSISTANCE PROGRAM (EAP) |
|
|
Who is eligible? |
The EAP is available to:
|
|
Is it confidential? |
YES. You have confidential access to experienced clinicians and professional staff. |
|
When can I access? |
24/7 |
|
What is covered? |
5 consultations with a Licensed Professional Counselor.
The EAP can help with challenges like:
|
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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.
COMMUNICATIONS
MEDICAL DOCUMENTS - GOLD PLAN
MEDICAL DOCUMENTS - SILVER PLAN
MEDICAL DOCUMENTS - BRONZE HDHP
WELLNESS DOCUMENTS
DENTAL DOCUMENTS
LIFE INSURANCE DOCUMENTS
VOLUNTARY DISABILITY DOCUMENTS
SUPPLEMENTAL INSURANCE DOCUMENTS
ADDITIONAL BENEFITS
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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?
EAP CARRIER
TELUS Health (MetLife)
User name: metlifeeap
Password: eap
The HealthJoy Mobile App
Get Your Benefits Questions Answered
Healthcare Decisions
Can Get Complicated
That is why we are excited to share that you have access to HealthJoy as part of your employee benefits. Simplify and save on high-quality care by activating your HealthJoy account. Make the most of your benefits today!
HealthJoy will become the first place you go when dealing with all your healthcare and benefits needs right from your mobile phone.
It's an incredible app for iPhone and Android that gives you access to live healthcare concierge, online doctors, your benefit cards, and much more.
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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
LIFE INSURANCE
DISABILITY INSURANCE
HEALTH SAVINGS ACCOUNT (HSA)
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?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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.
