IN-NETWORK
BENEFITS |
Complete Blue Primary PPO |
Enhanced Blue HMO |
Deductible |
$6,250 Individual$12,500 Family |
$1,500 Individual$3,000 Family |
Coinsurance |
You pay 30% (after deductible)Plan pays 70% |
You pay 20% (after deductible)Plan pays 80% |
Out-of-Pocket Maximum |
$8,700 Individual$17,400 Family |
$7,000 Individual$14,000 Family |
Office Visit Copay |
$15 PCP Primary Care (PCP)$80 Specialist$0 Virtual Visit$15 Urgent Care |
$25 Designated PCP$40 Primary Care (PCP)
$60 Specialist$0 Virtual Visit$40 Urgent Care |
Preventive Care |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
You pay 30% (deductible waived)
|
$500 copay per visit |
Prescription DrugDeductibleCost Per Tier |
Tier 1: $15Tier 2: 30%Tier 3: 30%Specialty: 30% |
Tier 1: $15Tier 2: $50Tier 3: $100Specialty Generic: $150Specialty Preferred: $200Specialty Non-Preferred: $500 |
CITY CONSTRUCTION
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
Our goal is to simplify the enrollment process!
-
Enroll or re-enroll
-
Make changes to your benefits
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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 .
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:
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Your legal spouse;
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Married or Unmarried dependents who are:
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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:
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At the time of hire
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During the annual enrollment period
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October 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 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.
Download your enrollment form to:
- 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 BCBS.
City Construction 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
For medical premium rates, please click the button below or download from the plan documents page.
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 Delta Dental and EyeMed.
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 NETWORK |
PREMIER NETWORK |
Preventive Services |
Covered at 100% |
Covered at 90% |
Deductibles |
$25 Individual $75 Family |
$50 Individual $150 Family |
Basic Services |
Covered at 80% |
Covered at 70% |
Major Services |
Covered at 50% |
Covered at 50% |
Annual Maximum |
$2,000 |
$2,000 |
Orthodontic(up to age 19)
|
Covered at 50% Up to $1,500 lifetime maximum |
Covered at 50% Up to $1,500 lifetime maximum |
For full plan details, please review the plan documents.
VISION PLAN
IN-NETWORK SERVICES |
VISION BENEFIT |
Eye Exam1 every 12 months |
In-Network Provider: $10 copay
Plus Provider: $0 copay |
Eyeglass Frames*1 every 24 months |
In-Network: $150 allowance 20% discount off the balance
Plus Provider: $200 allowance 20% discount off the balance |
Eyeglass Lenses * **1 every 12 months |
$25 Single vision $25 Bi-focal $25 Tri-focal $25 Lenticular |
Contact Lenses * **1 every 12 months |
Conventional/Elective:
In-Network: $150 allowance 15% discount off the balance
Plus Provider: $200 allowance 15% discount off the balance
Medically Necessary: Plan pays 100% after $0 copay |
*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.
FLEXIBLE SPENDING ACCOUNT
2026 FSA BENEFITS
Administered by Mutual of Omaha.
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 (FSA) |
|
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: $3,400
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, you have the option to roll over $660 into the next plan year. |
Can you take it with you if you leave the company? |
No |
ELIGIBLE EXPENSESBeyond Your Plan Coverage
|
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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: |
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 and Supplemental Insurance Services.
We offer life, disability. and supplemental insurance coverages to help you plan for your family's financial security.
For full plan details, please review the plan documents.
LIFE INSURANCE
MOO LIFE AND AD&D |
BENEFITS |
Benefit |
Flat amount of $50,000 |
Who Pays for Coverage |
Your Employer |
Is EOI Required |
No |
For full plan details, please review the plan documents.
DISABILITY INSURANCE
BENEFITS |
Voluntary Short-Term Disability* |
Company Paid Long-Term Disability |
Coverage amount |
60% of your weekly pay, up to $500 maximum |
60% of your monthly pay, up to $6,000/month |
Benefit Period |
Benefits may be paid for up to 11 weeks |
Social Security Normal Retirement Age (SSNRA) |
Elimination Period |
Benefits begin on the 15th day for accident and Illness |
Benefit begins after 90-day elimination/waiting period or the date your short-term disability ends (later of) |
Who Pays for Coverage? |
You if you wish to enroll |
Your Employer |
*Disabilities that occur during the first 3 months of coverage, due to a pre-existing condition during the 6 months prior to coverage, are excluded. At Open Enrollment you can elect STD without completing medical underwriting.
For full plan details, please review the plan documents.
SUPPLEMENTAL 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. |
CANCER INSURANCE BENEFIT |
|
What is it? |
This coverage can provide a cash benefit once you are diagnosed. |
What is covered? |
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. |
CANCER - Lump Sum |
|
How is it different? |
Cancer supplemental insurance is a broad category for plans designed to cover cancer-related expenses beyond a primary health policy. In contrast, cancer lump sum insurance is a specific type of supplemental plan that provides a one-time, predetermined cash payment upon a diagnosis of cancer. |
What is covered? |
This lump sum can be used for various expenses, such as medical costs, lost income, or daily living expenses, offering flexibility that other types of supplemental policies may not provide.
Note: Carefully read the policy before you purchase something to be sure the things that are covered meet your expectations. |
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. |
PET INSURANCE BENEFIT |
|
What is covered? |
Medically Necessary Supplies and Treatment, including emergency care and prescription medications (when dispensed directly by a veterinarian or compounded by a pharmacist under the guidance of a veterinarian, excluding over-the-counter medications) performed for conditions that started after the Benefit Waiting Period, if any, and during the Coverage Period, resulting from:
|
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 PAS EAP.
City Construction is committed to adding benefits available to all full-time employees, including telephonic and web access to experienced counselors, as well as opportunities for face-to-face meetings for employees and their covered dependents.
For full plan details, please review the plan documents.
EMPLOYEE ASSISTANCE PROGRAM
Download the app!
Search for “myPASapp”
EMPLOYEE ASSISTANCE PROGRAM (EAP) |
|
How do I reach a counselor? |
Call 800-356-0845 |
Is it confidential? |
YES. You have confidential access to experienced clinicians and professional staff. |
When can I access information online? |
Yes. |
What issues can EAP help me with? |
Legal assistance, financial counseling, emotional support, dealing with aging parents, finding child care, coping with grief or loss, managing stress, managing depression, finding balance, etc. |
Is EAP free? |
Referrals for face-to-face counseling sessions, 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 DOCUMENTS
LIFE INSURANCE DOCUMENTS
SUPPLEMENTAL DOCUMENTS
ADDITIONAL 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.
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 Clarity
Benefits Education Video Library
Understand confusing benefits terms by browsing our extensive video library.
BENEFITS BASICS
PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE
MEDICAL
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
ADDITIONAL SUPPLEMENTAL
EMPLOYEE ASSISTANCE & WELLNESS
ADDITIONAL COVERAGES
FINANCIAL 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.
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.
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?
Have you decided how much to contribute to your HSA or FSA?
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.
