IN-NETWORK
BENEFITS(Partial Self-Funded Plans - What You Pay) |
Traditional HMO |
Traditional PPO |
HDHP HMO |
HDHP PPO |
Deductible |
$2,000 Single$4,000 Family |
$3,000Single$6,000 Family |
$4,000 Single$8,000 Family |
$4,000 Single$8,000 Family |
Coinsurance |
You pay 20%(after deductible)Plan pays 80% |
You pay 20%(after deductible)
|
You pay 0%(after deductible)Plan pays 100% |
You pay 0%(after deductible)Plan pays 100% |
Out of Pocket Maximum |
$5,000 Single$10,000 Family |
$6,000 Single$12,000 Family |
$4,000 Single$8,000 Family |
$4,000 Single$8,000 Family |
Telehealth Copay |
$25 Doctor on Demand |
$35 Doctor on Demand |
$0 Doctor on Demand |
$0 Doctor on Demand |
Office Visit Copay |
$20 Designated PCP$25 Primary Care (PCP)$50 Specialist$25 Urgent Care |
$35 Primary Care (PCP)$70 Specialist$35 Urgent Care |
0% after deductible |
0% after deductible |
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$250 copay |
20% after Deductible |
0% after deductible |
0% after deductible |
Prescription Drug |
Tier 1: $15Tier 2: $40Tier 3: $80SpecialtyPreferred: $150Non-preferred: 50% after deductible |
Tier 1: $20Tier 2: $40Tier 3: $80SpecialtyPreferred: $200Non-preferred: 50% after deductible |
0% after deductible |
0% after deductible |
ESTES COMPANY LLC
Welcome to Your Benefit 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
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.
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
Your benefits will begin on the first of the month following 30 days, except for life and disability insurance, which have a 90-day waiting period.
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:
-
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 effective date
-
-
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 BambooHR.
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!
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
2026-2027 MEDICAL BENEFITS
Administered by Wellmark BCBS.
Estes Company 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
RATE(PER MONTH) |
Traditional HMO |
Traditional PPO |
HDHP HMO |
HDHP PPO |
Employee |
$60.32 |
$118.29 |
$11.51 |
$69.72 |
Employee + Spouse |
$533.45 |
$684.61 |
$433.81 |
$547.22 |
Employee + Child(ren) |
$454.54 |
$595.32 |
$362.44 |
$467.27 |
Employee + Family |
$1,053.23 |
$1,272.83 |
$903.92 |
$1,074.09 |
DOCTOR ON DEMAND
24/7 QUESTIONS: 800-997-6196
Visit a doctor virtually anywhere, anytime.
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. Then, pick your provider and make an appointment.
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
2026-2027 DENTAL & VISION BENEFITS
Administered by Delta Dental & EyeMed.
Estes 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.
✨ 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
SERVICES |
PPO DENTISTS |
PREMIER DENTISTS |
Preventive Services |
Covered at 100% |
Covered at 100% |
Deductibles PPO Dentist |
$15 Individual$45 Family |
$25 Individual$75 Family |
Basic Services |
You pay 10%(after deductible)Plan pays 90% |
You pay 20%(after deductible)Plan pays 80% |
Major Services |
You pay 50%(after deductible)Plan pays 50% |
You pay 50%(after deductible)Plan pays 50% |
Annual Maximum |
$1,500 |
$1,500 |
Orthodontic |
You pay 50%(after deductible)Plan pays 50%up to $1,500lifetime maximum
|
You pay 50%(after deductible)Plan pays 50%up to $1,500lifetime maximum
|
COVERAGE LEVEL |
RATE PER MONTH |
Employee |
$11.30 |
Employee + Spouse |
$46.74 |
Employee + Child(ren) |
$64.12 |
Employee + Family |
$121.62 |
For full plan details, please review the plan documents.
VISION PLAN
SERVICES |
VISION BENEFIT |
Eye Exam(Once every 12 months)
|
$10 copay |
Eyeglass Frames*(Once every 24 months)
|
In-network:Member pays 80% of balanceover $150 allowancePlus Provider:Member pays 80% of balanceover $200 allowance |
Eyeglass Lenses**(Once every 12 months)
|
Single Lined-$25Bifocal Lined-$25Trifocal-$25Lenticular-$25 |
Contact Lenses**(Once every 12 months)
|
$0 copay for elective contact lens examMedically Necessary:$0 copay (fitting and evaluation)In-network:Member pays 85% of balanceover $150 allowancePlus Provider:Member pays 85% of balanceover $200 allowance |
*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 MONTH |
Employee |
$7.31 |
Employee + Spouse |
$13.87 |
Employee + Child(ren) |
$15.70 |
Employee + Family |
$20.75 |
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
2026-2027 HSA & FSA BENEFITS
Administered by Health Equity.
HSAs and FSAs help you save pre-tax dollars for healthcare or dependent care. Eligibility in each plan will be based on enrollment.
To learn more about the differences, watch the video, "HSA vs. FSA."
Go deeper and learn the different kinds of accounts and how they differ in eligibility, ownership, and how money can be used. Download the flyer, "HSA vs. FSA vs. DCFSA."
For full plan details, please review the plan documents.
HEALTH SAVINGS ACCOUNT
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 |
•Be covered under a High Deductible Health Plan (HDHP) •Not be claimed as a dependent on someone else's tax return •Not maintain a Healthcare FSA•Not be enrolled in Medicare* •Have not received VA benefits within the past three months •Not have a spouse with an FSA plan through their employer |
Contribution Limits |
2026 limits: $4,400/individual; $8,750/family
(based on who you cover under the medical plan). |
Unused Funds Carry-Over? |
Yes |
What expenses are eligible? |
See www.irs.gov, Publication 502 or 969. |
ELIGIBLE EXPENSESBeyond Your Plan Coverage
|
|
More common examples |
|
Less common examples |
|
Download the full list from the Internal Revenue Service |
|
Also, try: |
HSAstore.com |
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNTS
FLEXIBLE SPENDING ACCOUNT (FSA) |
Healthcare FSA |
Limited FSA |
Dependent Care FSA |
Contributions Limits |
Annual Maximum Election: $3,400 |
Annual Maximum Election: $3,400 |
Single or married, filing jointly: $7,500/year maximum
Married, filing separate tax returns: $3,750/year maximum |
What expenses are eligible? |
See www.irs.gov, Publication 502. You can also go to www.fsastore.com.
|
See www.irs.gov, Publication 502. |
Day care expenses for your dependents while you are at work. See www.irs.gov, Publication 503. |
Unused funds carry over? |
Yes, you can carryover $680 from one year to the next
|
Yes, you can carryover $680 from one year to the next |
NO |
ELIGIBLE EXPENSESBeyond Your Plan Coverage
|
|
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
2026-2027 LIFE & SUPPLEMENTAL BENEFITS
Disability administered by TransAmerica.
Additional coverage plans are administered by Supplemental Insurance Services.
We offer life and disability insurance, as well as additional coverage plans to help you plan for your family's financial security.
For full plan details, please review the plan documents.
LIFE INSURANCE
LIFE AND AD&D BENEFIT* |
|
Life and Accidental Death & Dismemberment |
2 times Base Annual SalaryUp to $300,000
|
EMPLOYEE-PAIDLIFE AND AD&D |
BENEFITS |
GUARANTEE ISSUE** |
Employee |
Increments of $10,000 up to $300,000or 5 times earnings
|
New Hire: up to $300,000Open Enrollment: up to $100,000 |
SpouseSpouse coverage cannot exceed 100% of employee benefit.
|
Increments of $5,000 up to $100,000or 100% of employee benefit
|
New Hire: up to $100,000Open Enrollment: up to $25,000 |
ChildrenDependent coverage cannot exceed 100% of employee benefit.
|
Increments of $5,000 up to $25,000 |
|
*100% of the cost of this benefit is covered by the employer.
**New Hire / Open Enrollment Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI). To complete your EOI form click here.
**New Hire / Open Enrollment Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI). To complete your EOI form click here.
For full plan details, please review the plan documents.
DISABILITY INSURANCE
BENEFITS |
SHORT-TERM |
LONG-TERM |
Coverage amount |
100% of weekly income |
66 2/3% of monthly income Up to $8,000 per month |
Maximum payment period |
Up to 13 weeks |
Social Security Normal Retirement Age (SSNRA) |
Accident benefits begin |
Day 1 |
Day 90 |
Illness benefits begin |
Day 4 |
Day 90 |
For full plan details, please review the plan documents.
SUPPLEMENTAL BENEFITS
SUPPLEMENTAL INSURANCE BENEFITS |
|
Voluntary Accident |
A medical indemnity plan that provides employees and their families with hospital, doctor, accidental death and catastrophic accident benefits in the event of a covered accident. |
Critical Illness |
Helps you and your family maintain financial security during the lengthy, expensive recovery period of a critical illness. These benefits provide help with the out-of–pocket medical and non-medical expenses. Benefits are paid directly to you unless you specify otherwise. |
Cancer Plan |
The plan pays you cash benefits to help offset the cost of cancer treatment and loss of income, by providing cash benefits for such things as the diagnosis, treatment regimen, hospital confinement, radiation and chemotherapy. |
For full plan details, please review the plan documents.
Identity and Cyber Protection |
|
What is covered? |
Get comprehensive identity monitoring, cyber features, and fraud resolution designed to help you protect yourself and your family against today’s digital threats. This is total protection for your family’s digital lives, from a brand you can trust. |
How do I enroll? |
1. Enroll through Estes Construction during open enrollment. 2. Be ready with your name, Social Security number, date of birth, address, email, and phone number for you and each dependent you wish to enroll. |
DESIGNATE YOUR BENEFICIARY(S)
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.
First, collect the information you will need, such as:
-
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
Then, log in to BambooHR to add or change your beneficiary(s).
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
2026-2027 EMPLOYEE ASSISTANCE PROGRAM (EAP)
Administered by PAS EAP.
Estes Company is committed to health, wellness, and balance for employees and their covered dependents.
For full plan details, please review the plan documents.
EMPLOYEE ASSISTANCE PROGRAM
Download the app!
Search “myPASapp”,
then login using the Organization code.
EMPLOYEE ASSISTANCE PROGRAM (EAP) |
|
Is EAP Free? |
Referrals for face-to-face counseling sessions, if needed, may require payment. Call for details or speak with your HR representative. |
Is it confidential? |
YES. |
Can I access information online? |
Yes.
|
What is covered? |
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. |
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.
2026-2027 ENROLLMENT
ANNUAL LEGAL NOTICES
MEDICAL TRADITIONAL HMO PLAN
MEDICAL TRADITIONAL PPO PLAN
MEDICAL HDHP PPO PLAN
FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
LIFE INSURANCE DOCUMENTS
DISABILITY INSURANCE DOCUMENTS
SUPPLEMENTAL DOCUMENTS
ID & CYBER SECURITY DOCUMENTS
TRAVEL INSURANCE DOCUMENTS
EAP DOCUMENTS - PERSONAL ASSISTANCE SERVICES (PAS)
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
Networks:
Wellmark Blue HMO
Wellmark Blue PPO
HSA Carrier
This account is set up with your own bank.
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
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
Enrolling in your benefits or changing your existing enrollment is 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?
Have you decided how much to contribute to your HSA or FSA?
Having correct First and Last names on hand is also helpful.
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.
