IN-NETWORK
BENEFITS |
$500 DEDUCTIBLE |
$2,500 DEDUCTIBLE (HDHP) |
Deductible |
$500 Single $1,000 Family |
$2,500 Single $5,000* Family |
Coinsurance |
You pay 10% (after deductible) Plan pays 90% |
You pay 0% (after deductible) Plan pays 100% |
Out of Pocket Maximum |
$1,000 Single $2,000 Family |
$2,500 Single $5,000 Family |
Office Visit Copay |
$15 PCP $15 Specialist $15 Urgent Care |
You pay 0% (after deductible) |
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$200 copay |
You pay 0% (after deductible) |
Prescription DrugCost Per Tier |
Tier 1: $10 Copay Tier 2: $25 Copay Tier 3: $40 Copay Specialty: $100 Copay |
Included with medical deductible |
Health Savings Account (HSA)City Paid Contributions to your Account
|
N/A |
$62.67 Employee $265.38 Family |
WELCOME TO CITY OF ALTOONA
ENROLL IN YOUR BENEFITS
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
To simplify the enrollment process 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.
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.
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 city's Benefits Education video library provide clear, concise information to help you understand your valuable benefits package.
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 if there's anything you do not understand.
INITIAL ENROLLMENT
When you first join the City of Altoona you have 30 days to enroll yourself and your
dependents for benefits. Coverage begins on the first of the month following your hire
date. If you do not enroll within 30 days of becoming eligible, you will automatically be
enrolled in City-sponsored benefits, such as Basic Life Insurance, Long Term Disability,
IPERS, and the Employee Assistance Program (EAP), but you must wait until the next
annual Open Enrollment to enroll in other benefits or make changes to coverage.
Most benefits are effective first day of the month following 30 days from 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.
Changes to your benefits enrollment can only be made:
-
at the time of hire
-
during the annual enrollment period (January 1 effective date)
-
and due to a qualifying 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
Benefit summaries, brochures, forms, and applicable applications can be viewed in Plan Documents:
-
EDUCATE
Review your benefit options. -
EVALUATE
Review available benefit options for the year.
Use carrier resources and tools to make decisions.
-
ENROLL
Enroll Online: altoonaiowa.bamboohr.comReview your benefit options.
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 BambooHR to simplify the enrollment process! With BambooHR 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
2026 MEDICAL BENEFITS
Administered by Wellmark.
City of Altoona 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 the HDHP Plan, benefits are not available for any family member until the entire family deductible has been met.
RATE(Employee Rates-per pay period) |
$500 DEDUCTIBLE |
$2,500 DEDUCTIBLE (HDHP) |
Employee |
$46.32 |
$35.42 |
Employee + Family |
$113.72 |
$71.15 |
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.
DOCTOR ON
DEMAND
Doctor on Demand
SEE A DOCTOR IN MINUTES
Getting sick is bad enough without having to get out of bed to see a doctor. With Doctor on Demand, you and your family members can connect face-to-face with a board-certified doctor 24 hours a day, 7 days a week, 365 days a year.
For full plan details, please review the plan documents.
USE WHEN:
-
You don't have time to wait a week to see a doctor
-
You don't want to infect (or be infected by) another person
-
You need a lower-cost option.
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.
DOCTOR ON DEMAND BENEFITS |
|
| What is Doctor on Demand? |
Doctor on Demand provides you with access via online video consult to U.S. board-certified doctors so you can resolve non-emergency medical issues without having to visit a doctor's office. |
How Much Does a Consult Cost? |
Important Note:
|
Non-Emergency Medical Treatments |
You can use it for non-emergency medical situations such as:
|
Short-Term Prescriptions |
If needed, the doctor can prescribe you short-term prescriptions and have them sent to your pharmacy. Please see below for some common prescriptions.
|
When are Doctors Available? |
There are doctors on call 24 hours a day, 7 days a week |
How do I Set up an Account? |
|
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.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans. If you have an HSA or an FSA, you can use these funds to cover eligible costs like your deductible or copay.
For full plan details, please review the plan documents.
SERVICES |
PPO DENTISTS |
PPO DENTISTS |
Preventive Services |
Covered at 100% |
Covered at 100% |
Deductibles |
$15/Individual, $45/Family |
$25/Individual, $75/Family |
Basic Services |
You pay 10% (after deductible)
|
You pay 20% (after deductible)
|
Major Services |
You pay 50% (after deductible)
|
You pay 50% (after deductible)
|
Annual Maximum |
$1,000 per person/year |
$1,000 per person/year |
Orthodontic |
You pay 50% (after deductible)
|
You pay 50% (after deductible)
|
COVERAGE LEVEL |
EMPLOYEE MONTHLY COST |
Employee |
$0.00 |
Employee + Spouse |
$41.48 |
Employee + Child(ren) |
$54.02 |
Employee + Family |
$97.60 |
For full plan details, please review the plan documents.
SERVICES |
VISION BENEFIT |
Eye Exam |
$10 copay |
Eyeglass Frames* |
Plan pays Allowance up to $130, then 20% Off |
Eyeglass Lenses* ** |
$25 copay for all the below:
|
Contact Lenses* ** |
$130-contact lenses are in lieu of frames and lenses. The contact lens benefit is equal to the Frames plus Single Vision Lens benefit. Therefore, the full benefit allowance may not be available every 12 months. |
Frequency Limits |
Exams: Every 12 months
|
*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.
**Plan allows only lenses or contacts within the calendar year not both.
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Employee |
$0.00 |
Employee + Spouse |
$0.00 |
Employee + Child(ren) |
$0.00 |
Employee + Family |
$0.00 |
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
2026 HSA & FSA BENEFITS
Administered by Community Choice Credit Union and Wex.
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) |
|
To be eligible you must:*Note: If your eligible dependent is covered under Medicare, you can continue contributing to the HSA |
|
Maximum contributions |
2026 limits:
(based on who you cover under the medical plan).
Individuals age 55 or older may be eligible to make a catch-up contribution of $1,000.
You can update or change your contribution amount at any time within the IRS annual limits |
Pre-tax contributions? |
Yes |
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 |
|
HSA CONTRIBUTIONS
2026 |
PREMIUM COST PER PAY PERIOD |
ADDITIONAL CITY CONTRIBUTION |
TOTAL CONTRIBUTION PER PAY PERIOD |
TOTAL CONTRIBUTION PER YEAR |
ANNUAL IRS LIMIT |
EMPLOYEE ONLY |
$35.42 |
$62.67 |
$98.09 |
$2,550.34 |
$4,400.00 |
EMPLOYEE + FAMILY |
$71.15 |
$265.38 |
$336.53 |
$8749.78 |
$8,750.00 |
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: $3,400
|
Claim deadline |
Use 2026 funds from January 1, 2026 through December 31, 2026 file your claims within 90 days of the end of the plan year |
Pre-tax contributions? |
Yes |
Availability of funds |
Healthcare and Limited Purpose:Available on day 1Dependent 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 |
IRS - Publication 502 |
Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
|
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 Symetra.
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 AND AD&D BENEFIT |
|
Life and Accidental Death & Dismemberment |
Flat $50,000 |
Age Reduction |
• 35% at age 70
|
Who pays for coverage? |
Your employer |
For full plan details, please review the plan documents.
BENEFITS |
VOLUNTARY SHORT-TERM DISABILITY |
LONG-TERM DISABILITY |
Coverage amount |
60% of your weekly pay, up to $1,500 per week |
60% of your monthly pay, up to $7,000/month |
Maximum payment period |
Benefits may be paid for up to 9 weeks |
Social Security Normal Retirement Age (SSNRA) |
Elimination Period |
Benefits begin after 7-day elimination period/waiting period. |
Benefit begins after 60-days |
Who pays for coverage? |
You, if you choose to enroll. |
Your employer |
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. |
Covered Conditions |
Injuries
|
COVERAGE LEVEL |
RATE PER MONTH |
Employee |
$12.28 |
Employee + Spouse |
$20.63 |
Employee + Child(ren) |
$23.79 |
Employee + Family |
$33.80 |
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. |
Benefit |
Employee: initial benefit amount of $15,000
|
Initial Benefit Covered Conditions |
Initial Benefit 100%
|
Recurrence Benefit |
Recurrence Benefit 100%
|
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. |
Covered Conditions |
Hospital Coverage - Accident
|
COVERAGE LEVEL |
RATE PER MONTH |
Employee |
$17.17 |
Employee + Spouse |
$36.59 |
Employee + Child(ren) |
$28.14 |
Employee + Family |
$50.94 |
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
SHORT-TERM DISABILITY (STD) 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.
MEDICAL CARRIER
Wellmark BCBS
WEB https://www.wellmark.com
PH 800-524-9242
DOCTOR ON DEMAND
Doctor on Demand
WEB https://doctorondemand.com
PH 800-997-6196
DENTAL CARRIER
Delta Dental
WEB https://www.deltadentalia.com
PH 800-542-9242
VISION CARRIER
Delta Dental
WEB https://www.deltadentalia.com
PH 800-542-9242
HSA CARRIER
Vision Bank
WEB https://www.visionbank.com
PH 515-967-9981
FSA CARRIER
Wex
WEB https://customer.wexinc.com
PH 833-225-5939
LIFE INSURANCE CARRIER
Symetra
WEB https://www.symetra.com
PH 877-377-6773
DISABILITY CARRIER
Symetra
WEB https://www.symetra.com
PH 877-377-6773
ADDITIONAL COVERAGES
Symetra
WEB https://www.symetra.com
PH 800-497-3699
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
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
ADDITIONAL SUPPLEMENTAL
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
Enrolling in your benefits or changing your existing enrollment is 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.
