Your benefits are an important part of your total compensation, so we invite you to familiarize yourself with details of these plans and encourage you to seek clarification when necessary.
Our goal is to empower you through this tool to meet your specific needs, as well as enhance your understanding of our benefit program. Specifically, you will have access to the various benefit summaries, forms, and links to important resources.
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
Welcome to our new benefits portal.
We've created this portal with you in mind. Think of the portal as a place where you can learn about all of your benefits and HR programs. Be sure to share this portal with the dependents you cover under our plans so that they can be "in the know" as well.
Take a look around to get a better understanding of your benefits!
Login Instructions
Example: ATK_ EEID
Login Here for Benefits Enrollment Portal
The one thing you can always count on in life is that things will change! You get married, have a baby, or move. Your spouse quits a job or goes back to work. You might get injured and be unable to work for a few months. Whatever happens in your life, your benefits will continue to support you - and your finances, your health and your future.
When you have a qualifying event, you can make benefit changes that are consistent with your life change. (For example: If you get married, you can add your spouse to your medical plan.)
Some common family status changes include:
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Marriage, divorce, or legal separation
-
Birth or adoption (or placement of adoption)
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Death of a covered dependent
-
Loss or gain of eligibility for insurance coverage
-
Change in employment status (starting or leaving a job)
-
Change in health insurance eligibility (due to relocation, etc.)
You have 30 days to contact the Benefits Department to get the process started if you need to make a change. If you don't meet the deadline, you'll have to wait until the next Annual Enrollment to make any changes to your benefits.
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
Your medical benefit to most, it’s the most important benefit we have available, but many of us don’t use our plan to the fullest. Medical benefits are not just for when you are sick... For example, if you use preventive benefits when you are well, you might actually be able to avoid getting sick!
Understanding your prescription drug benefit, and knowing how different types of medications will be covered, can help you save money and learn how to talk with your doctor about your options.
Your prescription drug benefit gives you options for paying more or less for your prescription. When you fill a prescription from your doctor, you and the company share the cost. How you share costs depends on how your plan is set up.
In-network Benefits |
Platinum Plan |
Gold Plan |
Silver Plan |
Deductible |
$1,000 Single
|
$3,000 Single
|
$6,000 Single
|
Coinsurance |
You pay 20%,
|
You pay 30%,
|
You pay 80%,
|
Out-of-Pocket Maximum |
$3,000 Single
|
$7,000 Single
|
$7,000 Single
|
Office Visit Copay |
$20 PCP
|
$20 PCP
|
$30 PCP
|
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$100 copay |
$400 copay
|
$300 copay |
| Prescription Drug - Preferred generic / Non-preferred generic / Preferred brand / Preferred Specialty/Non-preferred Specialty | |||
Deductible |
Included with Medical |
Included with Medical |
Included with Medical |
Tiers 2-5 |
$0/$10/$50/$100/$150/$250 |
$0/$10/$50/$100/$150/$250 |
$0/$10/$50/$100/$150/$250 |
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
Good dental health is just as important as your annual physical. According to the American Academy of Periodontology, dental diseases (if left unattended) can contribute to health issues like heart disease, stroke, pre-term birth, and diabetes. In fact, gum health is as good an indicator of heart disease as high cholesterol is!
Dental plans protect you from major dental expenses, and usually cover everything from preventive care, like exams and cleanings, to major care like root canals and dentures.
Services |
Dental Plan |
Deductible |
$50 Single
|
Annual Maximum |
$1,500 per person per year |
Preventive Services |
You pay 0%
|
Basic Services |
You pay 80% (after deductible)
|
Major Services |
You pay 50% (after deductible)
|
Orthodontia Services |
You pay: 50% (after deductible)
|
If you need glasses or contacts, vision coverage is a no-brainer. But even if you have 20/20 vision, you should still consider enrolling in a vision plan. Why? Eye exams are good preventive care for your eyes - they can help find eye problems early, when they’re most treatable.
And, did you know that vision exams can also detect other health problems like glaucoma, diabetes, high blood pressure and high cholesterol? Your eyes may be the window to your soul - and your body, and your health!
Services |
Vision Plan |
Eye Exam
|
$20 copay |
Eyeglass Frames
|
$130 allowance and 20% off the amount over your allowance |
Eyeglass Lenses
|
Single Lined - $20 copay
|
Contact Lenses
|
|
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
Life insurance pays a benefit (called a death benefit, which is usually a lump sum) to a beneficiary (whomever you choose to receive the benefit) after your death. If you have a life insurance policy on a family member (such as your spouse or your child(ren)), you would receive the money if that family member died. This money can help replace your income.
Services |
Universal Life Insurance |
Benefit |
Employee: Up to 5 times Base Annual Salary up to $500,000
|
Who pays for coverage? |
Employee |
Is EOI required? |
Yes |
Services |
Voluntary Life and AD&D |
Benefit |
Employee:
|
Guaranteed issue amount |
Employee: If you're under 70: $70,000, If you're 70 or older: $10,000
|
Who pays for coverage? |
You, if you choose to enroll |
Is EOI required? |
Yes, for amounts over Guaranteed issue amount. |
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
Accident Insurance
Accidents can happen at any time. You could suffer an accidental injury while you are working around the house or walking into work. Or your child may get injured at basketball practice. When an accident happens, it can be costly. Even with major medical insurance, there may be out-of-pocket expenses that you’ll have to pay.
In the event of an unexpected injury, Aflac can help protect your personal finances. We provide individuals and families affordable insurance that helps with expenses that may not be covered by major medical insurance. Aflac pays cash benefits directly to you (unless otherwise assigned), so you can use the cash for anything you want. Which means uncovered medical expenses won’t break the bank if you are injured.
And since we can process your claim quickly, Aflac helps give you the peace of mind knowing you can spend more time recovering and less time worrying about bills.
Cancer/Specified Disease Insurance
The unfortunate reality is cancer touches almost everyone at some point in their lives, whether it’s yourself or a loved one. But each person has a unique story, especially when it comes to cancer treatment. We believe if faced with a cancer diagnosis, you need real solutions that help you face the financial, physical and emotional challenges often experienced by cancer patients and their families – before, during, and after treatment.
Since 1958, Aflac has been a pioneer in cancer insurance. As cancer treatment protocols have changed, our coverage has evolved to help cover the costs of those innovative treatments and provide solutions that empower you to seek treatment, while easing the financial concerns that often accompany it
Critical Illness Insurance
Aflac’s Critical Care Protection policy helps provide financial peace of mind if you experience a serious health event, such as a heart attack or stroke. You will receive a lump sum benefit upon diagnosis of a covered event with additional benefits to be paid for things such as a hospital confinement, intensive care unit confinement, ambulance, transportation, lodging, and therapy. Benefits are also paid for specific heart surgeries, such as heart valve surgery, coronary angioplasty, coronary stent implantation, and pacemaker placement.
All benefits are paid directly to you, unless otherwise assigned, and can be used for any out-of-pocket expenses you have such as car payments, mortgage or rent payments, or utility bills. Aflac Critical Care Protection allows you to help protect the things you love the most from the things you expect the least.
Disability Insurance
What if one day, not very far in the future, you become disabled and you can’t go to work. How would you pay for the expenses of daily life such as monthly mortgage or rent, groceries and your utilities? The bills keep on coming even if you’re unable to work. That’s where Aflac’s short-term disability insurance policy can help make the difference. It’s a source of monthly income you may need to help take care of your bills while you take care of yourself.
Hospital Indemnity Insurance
Like most Americans, you may feel that financial well-being isn’t much of a reality these days. With inflation and health care costs on the rise, consumers of all incomes may be struggling to make ends meet. And since health insurance was never really designed to cover all the costs of medical care, an unplanned visit to the hospital could leave you with unexpected medical bills, only adding to financial struggles.
Aflac Choice offers a wide variety of options so you can customize hospital benefits based on your unique needs and budget - to help with out-of-pocket expenses associated with doctor visits, hospitalizations, and mental health treatment, including counseling and urgent care
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
Your healthcare just got a whole lot easier!
With HealthiestYou you can connect with a doctor who can diagnose, treat, and prescribe over the phone 24/7/365. Using HealthiestYou can SAVE YOU TONS OF MONEY and no more time wasted in waiting rooms or trying to schedule an appointment.
Our doctors are licensed and can handle an array of common ailments including allergies, earache, sore throat, pink eye, strep throat, urinary tract infection, and many more! HealthiestYou is great for families because your spouse and dependents can use it too and there is no limit on the number of times called or the duration of each call.
- 24x7 Unlimited doctor access
- Access by app or telephone
- Spouse and dependent use
- Find a nearby doctor, pharmacy,
- urgent care, ER, or even a vet
- Price and save on prescriptions
- Price procedures
- Search and compare doctors
- Sync & track deductibles
- Friendly reminders to save
HealthiestYou Complete Bundle
Get Care Now (General Medical) $0/unlimited visits
Talk to a doctor in minutes, 24/7 for non-emergency conditions
Mental Health - myStrengthComplete $0/unlimited visits
Build an ongoing relationship with a therapist or psychiatrist of your choice by appointment 7 days a week, telecoaching, crisis intervention, digital programs
Dermatology $0/unlimited visits
Upload images of a skin condition and received a personalized treatment plan within 2 business days
Expert Medical Advice $0/unlimited visits
Our world-renowned medical experts can answer any medical questions, double-check a diagnosis, help you decide on a treatment plan or provide guidance about a surgery
Nutrition $0/unlimited visits
Talk to a registered dietitian for a personalized nutrition plan or help managing a condition like diabetes or high blood pressure
Neck & Back Care $0/unlimited visits
Relieve your neck and back pain through guided videos with a certified health coach
A calm mind is a tap away
How is your emotional well-being?
If something is weighing you down, talking to someone can help. HealthiestYou's licensed therapists are available seven days a week. Choose your therapist, pick a time that is convenient for you, and then talk to the therapist from the privacy of home or anywhere you feel comfortable.
HealthiestYou therapists can treat:
• Anxiety
• Depression
• Stress/PTSD
• Panic disorder
• Family and marriage issues
• And more
Psychiatrist/Psychologist/Therapist
$0 per session
Contact us at
member.healthiestyou.com
Phone: 866-703-1259
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
DO YOU HAVE QUESTIONS ABOUT YOUR BENEFITS PROGRAMS AND AREN'T SURE WHO TO CONTACT?
The TrueNorth TRUEAdvocate Team is here to help!
Monday - Friday | 9:30 a.m. to 6:30 p.m. CT
- Benefit coverage questions
- Ordering an ID card
- Claim questions and research
- Filing a claim
- Finding a provider
- Choosing a plan that works for you
Have Benefit Questions?
Contact your TrueAdvocate
Email: benefitshelp@truenorthcompanies.com
Phone: (925) 332-7325
Hours: Monday to Friday | 7:30 a.m to 5:00 p.m CT
