IN-NETWORKBENEFITS |
Plan 1ComfortFit $7,900 |
Plan 2Copay $1,600 |
Plan 3Copay $6,500 |
Deductible |
N/A for No Cost Services |
$1,600 Single $3,200 Family |
$6,500 Single $8,500 Family |
Coinsurance |
N/A |
You pay 20% Plan pays 80% |
You pay 20% Plan pays 80% |
Out-of-Pocket Maximum |
$7,900 Single $15,800 Family |
$6,000 Single $12,000 Family |
$8,500 Single $17,000 Family |
Office Visit Copay |
No Cost |
$30 PCP $50 Non-PCP $75 Urgent Care |
$30 PCP $50 Specialist $75 Urgent Care |
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$950 copay |
$500 copay |
$500 copay |
Prescription Drug |
|||
Deductible |
Included with Medical |
Included with Medical
|
Included with Medical
|
Cost Per Tier |
$0 / $75 / $100 / $150 / $200 / Cost share with SaveOn |
$10 / $20 / $50 / $100 / $200 / Cost share with SaveOn
|
$10 / $20 / $50 / $100 / $200 / Cost share with SaveOn
|
F&W TRANSPORTATION
ENROLL IN YOUR BENEFITS
drivers
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.
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 company'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 when you do not understand.
ELIGIBILITY
Most benefits are effective the first day of the month following the date of hire for full-time employees working a minimum of 30 hours per week.
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
-
June 1 effective date
-
-
Due to a Qualifying Life Event
Qualifying Life Events (QLE) include:
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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.
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 ensure 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.
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 Gravie.
F&W Transportation 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
WEEKLY RATES |
Plan 1ComfortFit $7,900 |
Plan 2Copay $1,600 |
Plan 3Copay $6,500 |
Employee |
$84.00 |
$96.05 |
$45.00 |
Employee + Spouse |
$283.00 |
$304.02 |
$253.37 |
Employee + Child(ren) |
$198.00 |
$227.30 |
$173.81 |
Employee + Family |
$494.16 |
$508.78 |
$420.01 |
GRAVIE MOBILE APP
All your favorite Gravie benefits and services in one simple place. Use the Gravie app from anywhere to get the care you need, when you need it.
HOW TO GET STARTED
HAVE YOUR ID CARD
Have your Gravie 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 Reliance Standard.
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 INSURANCE
IN-NETWORK SERVICES |
LOW PLAN |
HIGH PLAN |
Preventive Services |
Covered at 100% |
Covered at 100% |
Deductible |
$50 Single$150 FamilyApplies to basic and major services only |
$50 Single$150 FamilyApplies to basic and major services only |
Annual Maximum |
$1,000 per person per year |
$1,200 per person per year |
Basic Services |
You pay 20%(after deductible)
|
You pay 20%(after deductible)
|
Major Services |
You pay 50%(after deductible)
|
You pay 50%(after deductible)
|
Orthodontic
|
You pay 50%(after deductible)
|
You pay 50%(after deductible)
|
WEEKLY RATES |
LOW PLAN |
HIGH PLAN |
Employee |
$4.54 |
$5.33 |
Employee + Spouse |
$9.10 |
$10.67 |
Employee + Child(ren) |
$12.63 |
$14.81 |
Employee + Family |
$17.19 |
$20.15 |
For full plan details, please review the plan documents.
VISION INSURANCE
IN-NETWORK SERVICES |
VISION BENEFIT |
Exam
|
$10 copay |
Eyeglasses |
|
Frames*
1 every 12 months |
$130 allowance and 20% discount off the balance |
Lenses* **
|
Single Lined-$20 Bifocal Lined-$20 Trifocal-$20 Lenticular-$20 |
Contacts
|
Please note: Contact lenses are in place of lenses and frame. |
Elective Contacts* **
|
$130 allowance and 15% discount off the balance |
Medically Necessary* **
|
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.
**Plan allows only lenses or contacts within the calendar year not both.
WEEKLY RATES |
VISION PLAN |
Employee |
$1.44 |
Employee + Spouse |
$2.82 |
Employee + Child(ren) |
$2.43 |
Employee + Family |
$3.81 |
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.
FSA
2026 FSA BENEFITS
Administered by WEX.
FSAs help you save pre-tax dollars for healthcare or dependent care. Eligibility in each plan will be based on enrollment.
To learn more, watch the video "Flexible Spending Accounts."
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.
FLEXIBLE SPENDING ACCOUNTS (FSA)
An FSA can help you use pretax money to pay for certain out-of-pocket health expenses or dependent care expenses.
FSA OVERVIEW |
|
|
How do Flexible Spending Accounts compare? |
Healthcare FSA: A full-purpose FSA that's best for predictable medical, dental, or vision expenses
Limited Purpose FSA: Can be used for dental and vision only
Dependent Care FSA: Covers child or dependent care needed, so you (and your spouse, if applicable) can work |
|
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 ($3,750, if filing Single) |
|
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 you 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 |
|
|
Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
|
|
Also, try: |
|
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 & DISABILITY BENEFITS
We offer life and disability coverage plans to help you plan for your family's financial security.
For full plan details, please review the plan documents.
LIFE INSURANCE
Administered by Greater Georgia Life.
Life insurance provides your named beneficiary(ies) with a benefit in the event of your death. Accidental Death and Dismemberment (AD&D) insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes death or dismemberment (i.e., the loss of a hand, foot, or eye). You may enhance your life benefits by purchasing additional insurance. The cost is based on your age and the coverage amount elected.
BASIC LIFE AND AD&D INSURANCE*COMPANY-PAID
|
|
Life and Accidental Death & Dismemberment |
$15,000 |
Age Reduction |
By 35% at age 65 50% at age 70. All coverage terminates at retirement. |
*100% of the cost of this benefit is covered by F&W Transportation.
For full plan details, please review the plan documents.
DISABILITY INSURANCE
Administered by Greater Georgia Life.
Disability insurance provides you with benefits to replace part of your lost income when you become unable to work due to a covered injury or illness.
BENEFITS* |
LONG-TERMCOMPANY-PAID |
Coverage amount |
60% of monthly income Maximum of $1,000 per month |
Benefits begin |
Day 181 |
Maximum payment period |
Social Security Normal Retirement Age (SSNRA) |
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, contact HR 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 EMPLOYEE ASSISTANCE PROGRAM (EAP)
Administered by Anthem Resource Advisor.
We are 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? |
You and your family members are eligible for up to three counselor visits for each issue or concern, at no cost to you.
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.
ANNUAL LEGAL NOTICES
MEDICAL DOCUMENTS -
Plan 1 ComfortFit $7900
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
FLEXIBLE SPENDING ACCOUNT (FSA)
DENTAL & VISION
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
EMPLOYEE ASSISTANCE & WELLNESS
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
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.
