IN-NETWORK
BENEFITS |
PPO PLAN |
Deductible |
$2,000 Single$4,000 Family |
Coinsurance |
You pay 40% (after deductible)Plan pays 60% |
Out of Pocket Maximum |
$4,550 Single$7,480 Family |
Office Visit Copay |
$0 PCP
|
Preventive Office Copay |
Covered at 100% |
Emergency Room Copay |
$500 copay |
Prescription DrugDeductibleCost Per Tier |
$100 Single /$200 Family
Generic: $8
|
GRASK TRUCK GROUP
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:
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Enroll or re-enroll
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Make changes to your benefits
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Add or remove dependents
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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.
USE THE HEALTHJOY MOBILE APP!
HAVE BENEFIT QUESTIONS?
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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:
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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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January 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.
TIPS FOR EASY ENROLLMENT
You have 30 DAYS from your date of hire to enroll in your new benefits.
DON'T WAIT
After this enrollment period, the only way you'll be able to change your plans before the following enrollment period is if you have a qualifying life event, such as getting married or having a baby.
TO ENROLL OR NOT TO ENROLL?
This year there is a passive enrollment. This means your current elections will roll into the next year.
- Please note: All those who are enrolled in the Flexible Spending Accounts (FSAs) MUST RE-ENROLL IN THESE PLANS EVERY YEAR no matter what!
UP YOUR BENEFITS IQ
Have questions about your benefit options? Not sure what is right for you? Contact HealthJoy to assist you!
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.
USE THE HEALTHJOY MOBILE APP!
HAVE BENEFIT QUESTIONS?
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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
2025 MEDICAL BENEFITS
Administered by Consociate Health.
Grask Truck Group 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 PLAN
RATE(Employee Weekly Cost ) |
PPO PLAN |
Employee |
$69.00 |
Employee + Spouse |
$166.21 |
Employee + Child(ren) |
$153.85 |
Employee + Family |
$247.74 |
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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.
TELEMEDICINE
2025 TELEMEDICINE
Administered by Captive Health!
Telemedicine is a great alternative to care that you would normally seek at an Urgent Care facility, Emergency Room, or even your regular physician – and it’s a fraction of the cost!
For full plan details, please review the plan documents.
TELEMEDICINE |
|
Copay |
$0 Captive Health Telemedicine |
Benefit Overview |
It’s now easier than ever to meet your providers online. All you need is a smartphone, tablet, or computer/laptop to have a successful online doctor visit. |
Use Telemedicine |
When:
For:
|
How to Register |
|
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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.
WELLNESS INCENTIVE
PROGRAM
We've partnered with Captive Health to offer employees and spouses services such as health risk assessment, wellness coaching, and care management of ongoing health conditions.
Grask Truck Group wellness program rewards employees for maintaining or working toward good health to help ensure healthy, happy employees in the future.
Download the PDF to learn more about the program, discount requirements, and who to contact for details.
For full plan details, please review the plan documents.
WELLNESS INCENTIVE PROGRAM |
|
Program RequirementsReceive 10% Health Insurance Discount |
Annual Physical with Primary Care Provider plus Labs or Biometric ScreeningMembers may satisfy the lab portion of this requirement in any of the following ways:
Documentation of completed annual physical and lab results must be returned to Suzi Albers to receive credit towards your program requirements.
Annual Health Rist Assessment (HRA)
Log into HealthJoy, go to your Wellness portal, and the HRA will pop up upon opening.
Annual Nicotine-Free Affidavit
Log into HealthJoy, go to your Wellness portal, and complete the affidavit.
Spousal Participation
Spouses on the plan are required to participate in the wellness program and care management (if eligible) in order to receive the health insurance discount.
|
Learn More About Your Wellness Program |
|
QUESTIONS |
|
CALL |
Suzi Albers
Wellness Coach
|
|
|
|
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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.
SAMARITAN FUND PROGRAM
2025 SAMARITAN FUND PROGRAM
Administered by Samaritan Fund Program.
Grask Truck Group wants to give you the peace of mind to heal. That's why they offer employees the opportunity to sign up for the Samaritan Fund Program.
For full plan details, please review the plan documents.
THE SAMARITAN FUND PROGRAM
GIVING THE PEACE OF MIND TO HEAL
A serious medical diagnosis brings worry and anxiety. Unfortunately, much of that anxiety stems from the high cost of quality medical care. The Samaritan Fund Program exists to eliminate the financial burden of medical costs while you navigate a difficult journey, giving the peace of mind to heal.
HOW TO GET STARTED
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Complete the confidential Medical Release Form (HIPAA Authorization)
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A Samaritan Fund Program representative will contact you
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If you are eligible and an acceptable plan is found, a formal application will be submitted
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If accepted, the Samaritan Fund Program will be set up to take care of the expenses associated with your medical care
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The program will be reassessed annually for eligibility
SCAN THE QR CODE BELOW TO LEARN MORE!
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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
2025 DENTAL & VISION BENEFITS
Administered by Consociate Health.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans. Members now have an Open Access network and may utilize any provider they wish. The plan will pay at 90% of Usual and Customary Rates within your geographical area.
✨ If you have an FSA, you can use these funds to cover eligible expenses, such as your deductible or copay.
SERVICES |
PPO DENTISTS |
Preventive Services |
Covered at 100% |
Deductibles |
$50 Individual/$150 Family |
Basic Services |
Covered at 80% |
Major Services |
Covered at 50% |
Annual Maximum |
$1,500 |
Orthodontic |
Not Covered |
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Employee |
$3.97 |
Employee + Spouse |
$12.00 |
Employee + Child(ren) |
$12.00 |
Employee + Family |
$12.00 |
SERVICES |
VISION BENEFIT |
Eye Exam
|
$10 copay |
Eyeglass Frames*1 every 24 months |
$130 allowance and 20% off the amount over your allowance |
Eyeglass Lenses *1 every 12 months |
Single: $25 copayBifocal: $25 copayTrifocal: $25 copayLenticular: $25 copayStandard Progressive Lenses: $90 copayPremium Progressive Lenses: $110 - $135 copay
|
Contact Lenses *1 every 12 months |
Please note: Contact lenses are in place of lenses and frame.
|
*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 |
$1.58 |
Employee + Spouse |
$3.00
|
Employee + Child(ren) |
$3.16 |
Employee + Family |
$4.65 |
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 ACCOUNTS
2025 FSA BENEFITS
Administered by Consociates.
We offer Flexible Spending Accounts (FSA).
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNT (FSA) |
|
Maximum contributions |
Healthcare: $3,300 Dependent Care: $5,000 |
Pre-tax contributions? |
Yes |
Availability of funds |
Healthcare and Limited: 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 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?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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
2025 LIFE & DISABILITY BENEFITS
Contact HR for details and enrollment eligibility.
We offer life and disability coverage to help you plan for your family's financial security.
VOLUNTARY LIFE AND AD&D INSURANCE |
|
Full-time eligible employees do have the ability to purchase Voluntary Life coverage and Accident Death & Dismemberment. Please contact Human Resources for more details about coverage options and cost. |
VOLUNTARY DISABILITY - SHORT-TERM (STD) & LONG-TERM (LTD) |
|
If you are unable to work, disability insurance can help you replace your income. Short-Term and Long-Term Disability benefits are available for purchase by all full-time eligible employees. Please contact HR for additional information regarding cost and coverage. |
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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
2025 EMPLOYEE ASSISTANCE PROGRAM (EAP)
Administered by Captive Health.
Grask Truck Group is 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? |
Call 319-398-6575 to schedule an appointment |
What is covered? |
The EAP can help with challenges like:
|
CONTACT TODAY! |
|
CALL |
319-398-6575 |
LOG INONLINE |
|
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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
ANNUAL LEGAL NOTICES
MEDICAL DOCUMENTS
FLEXIBLE SPENDING DOCUMENTS
EAP DOCUMENTS
TELEMEDICINE DOCUMENTS
WELLNESS DOCUMENTS
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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?
USE THE HEALTHJOY MOBILE APP!
HAVE BENEFIT QUESTIONS?
HEALTHCARE DECISIONS
CAN GET COMPLICATED
That is why we are excited to share that you have access to HealthJoy as part of your employee benefits. Simplify and save on high-quality care by activating your HealthJoy account. Make the most of your benefits today!
HealthJoy will become the first place you go when dealing with all your healthcare and benefits needs right from your mobile phone.
It’s an incredible app for iPhone and Android that gives you access to live healthcare concierge, online doctors, your benefit cards, and much more.
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 BASICS
PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE
MEDICAL
DENTAL & VISION
EMPLOYEE ASSISTANCE & WELLNESS
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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 changing 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?
ENROLL
Contact HR to complete your enrollment.
USE THE HEALTHJOY MOBILE APP!
HAVE BENEFIT QUESTIONS?
HAVE BENEFIT QUESTIONS?
Access HealthJoy!
Phone: (877) 500-3212
Download the Mobile App: www.healthjoy.com/download
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.
