IN-NETWORK BENEFITS |
Wellmark Blue Cross Blue Shield |
Preventive Care |
No charge In-Network |
Office Visit |
$20 PCP |
Hospitalization |
You pay 20% |
Emergency Room Copay |
$200 copay - followed by deductible and 20% coinsurance |
Prescription DrugYour Cost Per Tier |
RETAIL Generic: Greater of $10 copay or 10% of cost
Greater of $20 copay or 20% of cost
Greater of $30 copay or 30% of cost
MAIL ORDERGeneric:Greater of $20 copay or 20% of cost
|
Deductible |
$750 Single |
Coinsurance |
You pay 20% |
Out-of-Pocket Maximum |
$4,000 Single |
METRO WASTE AUTHORITY
ENROLL IN YOUR BENEFITS
admin
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 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
-
January 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.
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 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.
ENROLL
Contact Human Resources to complete your enrollment.
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 and OptumRx.
Metro Waste Authority 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.
Please note: Your premium costs include Medical, Prescription Drug, Dental, Vision, Death, Short-term Disability, and Accidental Death & Dismemberment. Scroll down for rate information.
For full plan details, please review the plan documents.
MEDICAL PLAN
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Your premium costs include Medical, Prescription Drug, Dental, Vision, Death, Short-term Disability, and Accidental Death & Dismemberment. |
|
Employee |
$261.69 |
Employee + Spouse |
$428.52 |
Employee + Child(ren) |
$391.69 |
Employee + Family |
$572.10 |
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 of Illinois and Benefits Management Group.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans.
✨ If you have an 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.
IN-NETWORK SERVICES* |
PPO DENTISTS |
Annual Maximum |
$1,700 per person |
Deductible |
$0 per person |
Preventive Services |
Covered at 100% |
Basic Services |
You pay 50%, |
Major Services |
You pay 50%, |
Orthodontic - Medically Necessary |
You pay 50%, |
*For premium rate information, please see the rates listed on the Medical page.
For full plan details, please review the plan documents.
IN-NETWORK SERVICES* |
VISION BENEFIT |
Eye Exam |
$20 copay per exam |
Eye Exam Frequency |
Employee or Spouse
|
Examination, Corrective Lenses
|
Employee or Spouse
|
*For premium rate information, please see the rates listed on the Medical page.
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 FSA & HRA BENEFITS
Administered by iSolved Benefit Services.
We understand how stressful it can be to worry about your health. That is why we also offer a Health Reimbursement Arrangement or Health Reimbursement Account. FSAs help you save pre-tax dollars for healthcare or dependent care. Eligibility in each plan will be based on enrollment.
Learn more about HRAs by watching "Health Reimbursement Account (HRA)."
Learn more about FSAs by watching "Flexible Spending Account (FSA)."
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 |
|
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 Healthcare FSA has a grace period that allows you to use current-year funds to pay for services incurred in the first 2.5 months (75 days) of the next plan year.
There is no "Grace Period" for the Dependent Care Plan, so the last day to incur claims is December 31. |
|
Can you take it with you if you leave the company? |
No |
How Does This Work with My Health Reimbursement Arrangement? |
You must use the money in your Flexible Spending Account before you use the money in your Health Reimbursement Arrangement. |
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: |
|
For full plan details, please review the plan documents.
HRA OVERVIEW |
|
What is a Health Reimbursement Account? |
A Health Reimbursement Arrangement, or Health Reimbursement Account, is used to supplement your health benefits.
Health Reimbursement Accounts (HRAs) are funded entirely by your employer; you make no deposits to this account.
HRAs allow you to withdraw money for qualified medical expenses. Once you use the money provided by your HRA, you have to meet a deductible for medical expenses before major medical coverage kicks in.
With the opportunity to determine how and when your health care dollars are used, you have an incentive to become an informed health care consumer. |
Contribution limits |
You will receive $250 per month from Metro Waste Authority to use for qualified expenses. |
Who contributes to this plan? |
Metro Waste Authority will contribute $250 per month. As an employee, you do not have to make any contributions. |
Unused funds carry over? |
Yes |
What expenses are eligible? |
See www.irs.gov, Publication 502 for a list of eligible expenses |
Can I invest the money in my account? |
No |
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 & DISABILITY
2026 LIFE & DISABILITY BENEFITS
See carrier information below.
We offer life, death, and disability plans to help you plan for your family's financial security.
For full plan details, please review the plan documents.
LIFE INSURANCE
Administered by Reliance Standard.
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 INSURANCECOMPANY-PAID*
|
|
Life Benefit* |
2 times your earnings rounded to the next $1,000 Up to $100,000 |
*100% of the cost of this benefit is covered by the employer.
**Age reductions may apply. Refer to the benefit plan document.
ADDITIONAL LIFE AND AD&D INSURANCEEMPLOYEE-PAID |
Employee Benefit* |
|
Increments of $10,000 up to $500,000 |
Guaranteed Issue**:Up to $100,000 |
Spouse Benefit* |
|
Increments of $10,000 up to $500,000 |
Guaranteed Issue**:Up to $30,000 |
Child Benefit* |
|
Increments of $10,000 for children 6 months and older.
$1,000 benefit for children from birth up to 6 months. |
Guaranteed Issue**Up to $10,000 |
*Age reductions may apply. Refer to the benefit plan document.
**Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI).
If you are a late enrollee or requested coverage over the Guaranteed Issue amount, your coverage may require additional approval from the insurance company. Please note you are considered a late enrollee if you did not elect coverage when initially offered.
For full plan details, please review the plan documents.
DEATH & DISABILITY
Administered by Benefits Management Group.
ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) BENEFITSEMPLOYEE-PAID
|
|
What is it? |
Accidental Death & Dismemberment
The plan will pay benefits up to $1,000 to you (if living) or to your beneficiary. |
Requirements for Benefit Payment |
1. The injury was caused solely by an accident occurring while covered; and |
SHORT-TERM DISABILITY (STD) BENEFITSEMPLOYEE-PAID
|
|
Coverage amount |
Benefits will be paid for aTotal Disability at $300 per week
|
Maximum payment period |
15 weeks |
Accident benefits begin |
1st Day following the date of an injury |
Illness benefits begin |
6th day following the date of the start of an illness |
For full plan details, please review the plan documents.
LONG-TERM DISABILITY
Administered by Reliance Standard.
LONG-TERM DISABILITY (LTD) BENEFITSCOMPANY-PAID*
|
|
Coverage amount |
66 2/3% of your earnings Up to $6,000/month |
Maximum payment period |
Social Security Normal Retirement Age (SSNRA) |
Accident benefits begin |
Day 90 |
Illness benefits begin |
Day 90 |
*100% of the cost of this benefit is covered by Metro Waste Authority.
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
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.
RETIREMENT & RETIREES
Retirement Plans & Retiree Benefits
Administered by IPERS (Iowa Public Employees’ Retirement System).
At Metro Waste Authority, we want to ensure you are secure in retirement. As an employee at Metro Waste Authority, you will automatically be enrolled in the IPERS plan.
You can also choose to enroll in our 457 Deferred Compensation Plan.
Our Retiree Benefits Program helps you plan for a secure and healthy future.
For full plan details, please review the plan documents.
IPERS PLAN BENEFITS |
|
What Is IPERS? |
The Iowa Public Employees' Retirement System (IPERS) was created in 1953 by the Iowa Legislature. IPERS was created specifically to help public employees get a dependable retirement plan. |
How Does My Plan Work? |
The plan through IPERS is a Defined Benefit Plan. Your benefits will grow with you throughout your working career.
When you retire, you receive the benefit you earned regardless of the stock market's performance. |
How Do I Enroll? |
You will be automatically enrolled.
Please see your IPERS Member Handbook for details. |
What If I Have Questions? |
If you have questions about IPERS or the plan, please call 1-800-622-3849 (toll free), to speak with an IPERS representative. Representatives are available Monday through Friday from 7:30 AM to 5 PM.
You can also visit the IPERS website at https://www.ipers.org/. |
457 DEFERRED COMPENSATION PLAN |
|
How Does The Plan Work? |
This plan is designed to supplement your retirement income. The term “deferred compensation” just means that a portion of your income is paid at a later date than when it was actually earned. |
How much can I contribute? |
|
What kind of contributions can I make? |
Pre-taxPre-tax contributions reduce your taxable income for the year. When you withdraw these amounts, they will be taxed as ordinary income. |
How Do I Enroll? |
Online through MissionSquare Retirement website: |
What If I Have Questions? |
Your Retirement Plan Specialist:
Michael McIntosh Work: (202) 759-7130 Cell: (202) 264-0904 eFax: (833) 242-2863 Email: mmcintosh@missionsq.org Web: www.missionsq.org |
For full plan details, please review the plan documents.
Health and Welfare Benefits Plan | Retiree Program |
|
Eligibility Requirements |
|
Proof of Retirement Status |
Proof of retirement status will be required. |
Participation |
You must participate when you are first eligible to do so. If you do not participate immediately upon retirement, you will not be allowed to participate at a later date. |
Required Enrollment with Medicare |
When you or your dependent becomes eligible for Medicare in addition to the Retiree Program under the Health and Welfare Benefits Plan, you are required to enroll in Medicare Parts A and B.
|
Contributions |
Self-payments are required on a monthly basis at the beginning of the month of coverage. Rates are based on your Medicare eligibility. |
Benefit Limitations |
All normal plan provisions apply except for:
|
Ready to make sense of Medicare?
Every situation is unique, and the right choice depends on yourspecific circumstances. Our Medicare specialists can support you in making informed decisions about your healthcare coverage.
To request a quote, please visit: khisolutions.com/tn
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 ENROLLMENT
HR FORMS
DENTAL DOCUMENTS
VISION DOCUMENTS
LIFE INSURANCE DOCUMENTS
RETIREE PROGRAM DOCUMENTS
MEDICARE 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 & PRESCRIPTION DRUG CARRIER
Wellmark BCBS, Optum Rx
457 RETIREMENT CARRIER
MissionSquare Retirement
Michael McIntosh
202-759-7130 (Work)
202-264-0904 (Cell)
mmcintosh@missionsq.org
Chris Thomas
515-418-1662
thomas.chris@principal.com
Blake Ramsey
515-343-4785
ramsey.blake@principal.com
HUMAN RESOURCES
Emily Dobbins
Bailey Ortega
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
EMPLOYEE ASSISTANCE & WELLNESS
ADDITIONAL COVERAGES
FINANCIAL 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.
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 FSA?
Having correct First and Last names on hand is also helpful.
ENROLL
Contact Human Resources to make your elections.
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.
