IN-NETWORK BENEFITS |
P 3000 i80LX26BChoice Plus POS |
P 5000 i80LX21BChoice Plus POS |
Preventive CareUnder age 19 - Network visits are covered at No Charge |
100% Covered |
100% Covered |
Office Visit Copay |
$25 PCP $75 Non-PCP $0 Telemed (Designated virtual network provider) $50 Urgent Care |
$25 PCP $75 Non-PCP $0 Telemed (Designated virtual network provider) $50 Urgent Care |
Emergency Room |
$300 Copay + 20% Coinsurance |
$300 Copay + 20% Coinsurance |
Prescription DrugCost Per Tier |
$15 Tier 1 $50 Tier 2 $150 Tier 3 $250 Tier 4 |
$10 Tier 1 $35 Tier 2 $75 Tier 3 $250 Tier 4 |
Deductible |
$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% |
Out-of-Pocket Maximum |
$6,500 Single $13,000 Family |
$8,150 Single $16,300 Family |
NAVIGATE HOMES
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.
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Enroll or re-enroll
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Make changes to your benefits
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Add or remove dependents
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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.
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.
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.
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
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 day of the month following the date of hire.
The enrollment deadline is the last day of the month before your effective date (unless noted).
Changes to your benefits enrollment can only be made:
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At the time of hire
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During the annual enrollment period
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June 1 effective date
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Due to a Qualifying Life Event
Qualifying Life Events (QLE) include:
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Marriage
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Divorce / Legal Separation
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Birth of a child
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Adoption of a child
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Loss of other employer-sponsored coverage
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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.
DON'T WAIT
After this enrollment period, the only way you'll be able to change your plans before the following enrollment period is if you have a qualifying life event, such as getting married or having a baby.
TO ENROLL OR NOT TO ENROLL?
This year you are required to enroll in and/or waive your benefits.
UP YOUR BENEFITS IQ
Have questions about your benefit options? Not sure what is right for you? And don't forget about the TrueAdvocate Team! They are available from 7:30 a.m. - 5 p.m. CT to answer your benefits questions. Just call (888) 655-9980 OR email trueadvocate@truenorthcompanies.com.
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits showcase 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 United Healthcare.
Navigate Homes 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
BI-WEEKLY RATES |
P 3000 i80LX26B |
P 5000 i80LX21B |
Employee |
$71.47 |
$67.22 |
Employee + Spouse |
$276.43 |
$259.42 |
Employee + Child(ren) |
$263.08 |
$246.92 |
Employee + Family |
$471.41 |
$442.06 |
For full plan details, please review the plan documents.
VIRTUAL DOCTOR VISITS
It’s now easier than ever to meet your providers online. All you need is a smartphone, tablet, or computer/laptop to have a successful online doctor visit.
GET THE CARE YOU NEED,
WHEN YOU NEED IT
- Cold and flu
- Sore throats
- Allergies
- Fever
- Urinary tract infections
- Pink eye
- Skin condition
- Bronchitis
- Sinus infections
- Headache
- Other conditions such as mental health (if covered by your health plan)
HOW TO GET STARTED
DOWNLOAD THE APP
Download the UnitedHealthcare app or visit myuhc.com.
HAVE YOUR ID CARD
Have your UHC 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
2026 DENTAL & VISION BENEFITS
Administered by Wellmark Blue Cross Blue Shield and Principal/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
IN-NETWORK SERVICES |
PPO DENTISTS |
Preventive Services |
You pay 20% coinsurance |
Deductibles |
$25 Individual / $75 FamilyApplies to basic and major services only |
Annual Maximum |
$1,500 per person/year |
Basic Services |
You pay 50% coinsurance (after deductible) |
Major Services |
You pay 50% (after deductible)
Services covered include:
|
OrthodonticFor dependent children up to age 19
|
You pay 50% coinsurance (after deductible) Plan pays 50% coinsurance Up to a lifetime maximum of $1,000 |
COVERAGE LEVEL |
BI-WEEKLY RATES |
Employee |
$12.51 |
Plus, per Person 19 and Older |
$12.51 |
Plus, per Person Under Age 19 |
$8.88 |
For full plan details, please review the plan documents.
VISION PLAN
IN-NETWORK SERVICES |
VISION BENEFIT |
Eye Exam(1 every 12 months)
|
$10 copay |
Eyeglasses |
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Frames*(1 every 24 months)
|
$130 allowance and 20% discount off the balance |
Lenses *(1 every 12 months)
|
$25 Single Lined $25 Bifocal $25 Trifocal $25 Lenticular |
Contacts |
Please note: Contact lenses are in place of lenses and frame. |
Elective Contacts *(1 every 12 months)
|
Elective: $130 retail allowance |
Medically Necessary Contacts *(1 every 12 months)
|
100% Covered |
*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.
COVERAGE LEVEL |
BI-WEEKLY RATES |
Employee |
$3.63 |
Employee + Spouse |
$7.53 |
Employee + Child(ren) |
$8.09 |
Employee + Family |
$12.88 |
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
2026 FLEXIBLE SPENDING ACCOUNT
Administered by WEX.
We offer Flexible Spending Accounts (FSA). Eligibility in each plan will be based on enrollment.
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNT
FLEXIBLE SPENDING ACCOUNT (FSA) |
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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: $3,400 Dependent Care: $7,500 |
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 |
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Common examples |
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Download information on Health Care and Limited FSAs from the Internal Revenue Service |
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Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
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Also, try: |
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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.
DISABILITY
2026 DISABILITY INCOME REPLACEMENT
Administered by Principal Financial.
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.
DISABILITY INSURANCE
INCOME REPLACEMENT BENEFITS |
SHORT-TERM DISABILITYEmployer-Paid |
LONG-TERM DISABILITYEmployer-Paid |
Coverage amount |
60% of weekly income Up to $1,200 per week |
60% of monthly income Up to $10,000 per month |
Accident benefits begin |
Day 1 |
Day 91 |
Illness benefits begin |
Day 8
|
Day 91 |
Maximum payment period |
13 weeks |
Social Security Normal Retirement Age (SSNRA) |
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.
RETIREMENT PLAN
2026 RETIREMENT BENEFITS
Administered by Strategic Financial Solutions.
Whatever the future looks like for you, are you saving enough money today to make your retirement dreams come true?
For full plan details, please review the plan documents.
RETIREMENT PLAN
401(K) RETIREMENT PLAN |
|
Contribution Limits |
1% - 100% of your pay.
For 2026, the IRS retirement contribution limits are:
SECURE 2.0: Employees 50+ with prior‑year FICA wages $150,000+ must make catch‑up contributions as Roth (after‑tax).
You can update or change your contribution amount at any time within the IRS annual limits. |
Company Match |
Your company match contributions will be calculated based on your pay each payroll period |
Can I invest the money in my account? |
Yes. You choose how all the money in your account is invested. You may change your investment allocation at any time. |
Ready to make sense of Medicare?
Every situation is unique, and the right choice depends on yourspecific circumstances. Our Medicare specialists can support you in making informed decisions about your healthcare coverage.
To request a quote, please visit: khisolutions.com/tn
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 Principal.
Navigate Homes 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? |
The EAP can help with challenges like:
|
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.
SHORT-TERM DISABILITY (STD) DOCUMENTS
LONG-TERM DISABILITY (LTD) 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.
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 PLANS
DENTAL & VISION
FLEXIBLE SPENDING ACCOUNT (FSA)
DISABILITY INSURANCE
EMPLOYEE ASSISTANCE & WELLNESS
FINANCIAL BENEFITS
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.
