In-Network Benefits |
S531PPO Silver |
B535PPO Bronze |
P506PSN Platinum HMO |
G539BCE Blue Choice Preferred |
Network |
PPO |
PPO |
BAV |
BCE |
Preventive Care* |
100% Covered |
100% Covered |
100% Covered |
100% Covered |
Office Visit Copay |
$50 Telemed $50 PCP $75 Non-PCP $80 Urgent Care |
No charge after deductible |
$15 PCP $45 Non-PCP $45 Urgent Care |
$50 Telemed $50 PCP $75 Non-PCP $75 Urgent Care |
Emergency Room |
$500 Copay + 30% Coinsurance |
$250 Copay + Deductible |
$300 Copay |
$500 Copay + Coinsurance |
Prescription Drugs |
|
|
|
|
Rx Copay |
$5 Generic $60 Generic Non-Preferred $110 Brand $250 Specialty |
No charge after deductible |
$5 Generic $60 Generic Non-Preferred $110 Brand $250 Specialty |
$10 Generic $20 Generic Non-Preferred $60 Brand $350 Specialty |
|
|
|
|
|
|
Deductible |
$5,100 Single $15,300 Family |
$7,300 Single $14,600 Family |
$0 Single $0 Family |
$2,100 Single $6,300 Family |
Coinsurance† |
You pay 30%, plan pays 70% |
You pay 0%, plan pays 100% |
You pay 0%, plan pays 100% |
You pay 10%, plan pays 90% |
Out-of-Pocket Maximum |
$9,200 Single $18,400 Family |
$7,300 Single $14,600 Family |
$1,750 Single $5,250 Family |
$6,000 Single $18,000 Family |
Prairie Community Bank
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
We partner with Employee Navigator to simplify the enrollment process! With Employee Navigator 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 | 9:30 a.m. - 6:30 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
Most benefits are effective the first day of the month following 60 days.
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
-
December 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 Ease. To access:
- You will receive an email with a link that you will use to register and access EASE. Click the “Sign Up” button within the email message.
- Once you click the link, you will need to choose a password, then click the “Sign Up” button to continue.
- Enter your email address
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.
Navigate to Employee Navigator to:
- 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 | 9:30 a.m. - 6:30 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 BCBS.
Prairie Community Bank 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.
Medical Plans Comparison
For full plan details, please review the plan documents.
* Preventive Care is defined by the Affordable Care Act (ACA). Visit Healthcare.gov/coverage/preventive-care-benefits to access a list of covered preventive services by gender and age.
† Coinsurance is what you pay out of pocket after the deductible is met.
Per Pay Rates(Twice-Monthly Deductions) |
S531PPOSilver |
B535PPOBronze |
P506PSNPlatinum HMO |
G539BCEBlue Choice Preferred |
Employee |
$2.50 |
$2.50 |
$2.50 |
$2.50 |
Employee + Spouse |
$526.94 |
$493.21 |
$402.75 |
$462.76 |
Employee + Child(ren) |
$448.28 |
$419.60 |
$342.72 |
$393.72 |
Employee + Family |
$972.72 |
$910.31 |
$742.97 |
$853.98 |
Virtual Doctor Visits
With MDLIVE
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.
GET THE CARE YOU NEED,
WHEN YOU NEED IT
- Cold and flu
- Sore throats
- Allergies
- Fever
- Urinary tract infections
- Pink eye
- Skin condition
- Bronchitis
- Sinus infections
- Headache
- Other conditions such as mental health (if covered by your health plan)
HOW TO GET STARTED
HAVE YOUR ID CARD
Have your BCBS 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 Principal and VSP.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans.
In-Network SERVICES |
PPO DENTISTS |
Network |
Principal PPO Network |
Preventive Services |
Covered at 100% |
Deductibles |
$50 Single / $150 Family |
Basic Services |
You pay 20% (after deductible)
|
Major Services |
You pay 50% (after deductible)
|
Annual Maximum |
$1,000 per person/per year |
Orthodontic |
You pay 50% (after deductible)
|
In-Network Services |
Vision Benefit |
|
Network |
VSP Network |
|
Exam 1 every 12 months |
$10 copay |
|
Eyeglasses |
|
|
Frames* 1 every 24 months |
$130 allowance and 20% discount off the balance |
|
Lenses * ** 1 every 12 months
|
$25 Single Lined $25 Bifocal Lined $25 Trifocal $25 Lenticular |
|
Contacts Please note: Contact lenses are in place of eyeglass lenses and frame. |
|
|
Elective Contacts * ** 1 every 12 months |
$130 allowance |
|
Medically Necessary Contacts * ** 1 every 12 months |
100% Covered |
|
Contact Lens Fitting & Evaluation * ** 1 every 12 months |
$60 copay |
*Charges for lenses, frames, and contact lenses above the available benefit will be the responsibility of the participant.
**Plan allows only eyeglass lenses or contact lenses within the calendar year, not both.
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 Principal.
We offer life, disability, and voluntary life plans to help you plan for your family's financial security.
LIFE AND AD&D BENEFIT*COMPANY-PAID |
|
Life and Accidental Death & Dismemberment |
1 times Base Annual Salary Up to $125,000 Minimum of $30,000 |
Employee Benefit |
|
Increments of $00,000 up to $000,000 |
Guaranteed Issue**:New Hire: up to $000,000 Open Enrollment: up to $00,000 |
Spouse Benefit |
|
Increments of $0,000 up to $000,000
|
Guaranteed Issue**:New Hire: up to $000,000 Open Enrollment: up to $00,000 |
Child Benefit |
|
Increments of $00,000 for children 6 months and older.
$0,000 benefit for children 14 days to 6 months. |
Guaranteed Issue**:New Hire: up to $00,000 |
Life InsuranceEMPLOYEE-PAID |
Benefit |
Employee |
Increments of $10,000 up to $300,000 Guaranteed Issue: $100,000 |
Spouse |
Increments of $5,000 up to the lesser of $100,000 or 100% of employee benefit Guaranteed Issue: $25,000 |
Child |
$5,000 or $10,000 Note: coverage may vary for children under 1 year of age. |
*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.
LEGAL PERKS FROM PRINCIPAL |
|
With your group term or voluntary term life insurance through Principal, you can access resources from the Will & Legal Document Center provided by ARAG. With these resources you and/or your spouse can create the following documents: |
You can also access the Personal Information Organizer and estate planning education and tools. |
BENEFITS |
SHORT-TERMEMPLOYER-PAID
|
LONG-TERMEMPLOYER-PAID
|
Weekly Benefit |
60% of your weekly pay, up to $1,000 |
60% of your monthly pay, up to $8,000 |
Elimination Period |
Benefits begin on day 1 for accidents and on day 8 for illnesses |
Benefits begin after 45-day |
Benefit Period |
Benefits may be paid for up to 7 weeks |
Benefits may be paid if you are unable to work up to the Social Security Normal Retirement Age |
Pre-existing conditions |
N/A |
3 months / 12 months look back |
Designate Your Beneficiary(ies)
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 Employee Navigator to add or change your beneficiary(s).
Supplemental Insurance
Administered by Principal.
Accident Insurance
For full plan details and rate information, please review the plan documents.
Accident Insurance Benefits |
|
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. |
Critical Illness Insurance
For full plan details and rate information, 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. |
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 ComPsych GuidanceResources Online®.
Prairie Community Bank is committed to the overall well-being of our employees and your covered dependents. Our Employee Assistance Program (EAP) includes 24/7 services.
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? |
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.
Medical Plan Documents
Dental and Vision Documents
Voluntary Term Life Documents
Short-Term Disability (STD) Documents
Long-Term Disability (LTD) Documents
Voluntary Critical Illness Documents
Additional Benefit 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.
Company Code: PrincipalCore
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
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
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
Enroll in your benefits or change your existing enrollment - 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?
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.
