IN-NETWORK
BENEFITS |
Blue Access HMO |
Traditional PPO |
HDHP PPO |
Deductible |
$1,000 Single $2,000 Family |
$1,000 Single $2,000 Family |
$3,400 Single $6,800 Family |
Coinsurance |
You pay 20% (after deductible) |
You pay 20% (after deductible) |
You pay 0% (after deductible) |
Out of Pocket Maximum |
$3,000 Single $6,000 Family |
$3,000 Single $6,000 Family |
$3,400 Single $6,800 Family |
Office Visit Copay |
$20 PCP (copay) $40 Specialist (copay) $0 Doctor on Demand |
$20 PCP (copay) $40 Specialist (copay) $0 Doctor on Demand |
0% PCP (after deductible) 0% Specialist (after deductible) $0 Doctor on Demand |
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$200 copay followed by deductible and 20% coinsurance |
$200 copay followed by deductible and 20% coinsurance |
You pay 0% (after deductible) |
Inpatient / Outpatient Services |
You pay 20% (after deductible) |
You pay 20% (after deductible) |
You pay 0% (after deductible) |
Prescription Drug
|
Deductible: $100 Single / $200 Family
Tier 1: $10 (no deductible) Tier 2: $40 Tier 3: $80 Tier 4: Not covered Specialty Preferred: $100 Specialty Non-Preferred: 50% |
Deductible: $100 Single / $200 Family
Tier 1: $10 (no deductible) Tier 2: $40 Tier 3: $80 Tier 4: Not covered Specialty Preferred: $100 Specialty Non-Preferred: 50% |
Tier 1: 0% (after deductible) Tier 2: 0% (after deductible) Tier 3: 0% (after deductible) Tier 4: 0% (after deductible) Specialty Drugs: 0% (after deductible) |
PRAIRIE MEADOWS
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
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
We partner with ADP to simplify the enrollment process! With ADP you can:
-
Enroll or re-enroll coverage
-
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
Most benefits are effective the first day of the month following the date of hire.
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 ADP Workforce Now.
ENROLL IN YOUR BENEFITS
You have 30 DAYS from your date of hire to enroll in your new benefits.
We partner with ADP Workforce Now to simplify the enrollment process! With ADP 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 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 MEDICAL BENEFITS
Administered by Wellmark.
Prairie Meadows 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 PAY PERIOD) |
Blue Access HMO |
Traditional PPO |
Savers HDHP PPO |
Employee |
$48.37 |
$53.74 |
$47.29 |
Employee + Spouse |
$167.63 |
$186.25 |
$163.90 |
Employee + Child(ren) |
$154.94 |
$172.16 |
$151.50 |
Employee + Family |
$222.65 |
$247.39 |
$217.70 |
Part-time Employees |
$73.37 |
N/A |
N/A |
For full plan details, please review the plan documents.
USE WHEN:
-
You don't have time to wait a week to see a doctor
-
You don't want to infect (or be infected by) another person
-
You need a lower-cost option.
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.
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 and EyeMed.
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.
SERVICES |
PPO DENTISTS |
PREMIER/NON-PAR |
Deductibles |
$15 individual $45 family |
$25 individual $75 family |
Preventive Services |
You pay 0% (after deductible) |
You pay 0% (after deductible) |
Basic Services |
You pay 10% (after deductible) |
You pay 20% (after deductible) |
Major Services |
You pay 50% (after deductible) |
You pay 50% (after deductible) |
Orthodontia Services |
You pay 50% (after deductible) up to $3,000 lifetime maximum per individual
|
You pay 50% (after deductible) up to $3,000 lifetime maximum per individual
|
Annual Maximum |
$2,000 per person/year |
$2,000 per person/year |
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Employee |
$0.81 |
Employee + Family |
$14.39 |
Part-Time Employee Only |
$3.26 |
For full plan details, please review the plan documents.
SERVICES |
VISION BENEFIT |
Eye Exam |
$10 copay $0 copay at PLUS Provider |
Materials |
$0 copay |
Frame Allowance* |
$150 allowance $200 allowance at PLUS Provider 20% off balance over allowance |
Contact Lense Allowance* ** |
$130 allowance $180 allowance at PLUS Provider 15% off balance over allowance |
Lasik Services |
15% retail price or 5% off promotional price |
Frequency Limits |
Exam: Once every plan year Lenses: Once every plan year Frames: Once every other plan year Contact Lenses: Once every plan year
|
*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.
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Employee |
$1.51 |
Employee + Spouse |
$2.76 |
Employee + Child(ren) |
$3.39 |
Family |
$4.44 |
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 HSA & FSA BENEFITS
Administered by HSA Bank and isolved.
We offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Eligibility in each plan will be based on enrollment. To learn more, watch "HSA vs. FSA."
For full plan details, please review the plan documents.
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* •Not have received VA benefits within the past three months •Not have a spouse with an FSA plan through their employer |
Contribution Limits |
2026 Limits: |
Can I invest money in my account? |
Yes |
Use it or lose it? |
No, unused funds roll over from year to year |
Does a HSA affect my taxes? |
Yes |
Can take it with you if you leave the company? |
Yes; you are required to file Form 8889 to disclose your contributions. Speak with your HSA trustee for details or see www.irs.gov, search Publication 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 ACCOUNT (FSA) |
|
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: $3,400
Dependent Care: Single or married, filing jointly: $7,500/year maximum $3,750/year maximum |
Claim deadline |
No more than 60 days after the end of the plan year. |
Availability of funds |
Healthcare and Limited: Available on day 1
Dependent Care: Funds must accumulate before using |
Use it or lose it? |
Yes, carryover up to $680 of your unused Medical and Limited FSA funds from year to year.
No, for dependent care.
|
Can I track my balance online? |
Yes, at |
ELIGIBLE EXPENSESBeyond Your Plan Coverage
|
|
Common examples |
|
Download information on Health Care and Limited FSAs from the Internal Revenue Service |
IRS - Publication 502 |
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 LIFE & SUPPLEMENTAL BENEFITS
Administered by Voya Financial.
We offer life, disability, and additional coverage plans through Voya Financial to help you plan for your family's financial security.
For full plan details, please review the plan documents.
LIFE AND AD&D BENEFIT* |
|
Life and Accidental Death & Dismemberment |
1 times Base Annual Salary Up to $500,000
|
EMPLOYEE-PAIDLIFE AND AD&D |
BENEFITS |
GUARANTEE ISSUE** |
Employee |
Increments of $10,000 up to $500,000 |
New Hire: up to $500,000 Open Enrollment: $0 |
Spouse |
Increments of $5,000 up to $250,000
|
New Hire: up to $250,000 Open Enrollment: $0 |
Children |
Increments of $2,500 up to $10,000 |
Up to $10,000
|
*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.
For full plan details, please review the plan documents.
BENEFITS |
SHORT-TERM |
LONG-TERM |
Weekly/Monthly Benefit |
60% of weekly income Up to $2,000 per week |
60% of monthly income Up to $8,000 per month |
Benefit Period |
26 weeks |
Social Security Normal Retirement Age (SSNRA) |
Injury/Accident benefits begin |
Day 1 |
Day 181 |
Illness/Sickness benefits begin |
Day 8 |
Day 181 |
Who pays for coverage? |
Your employer |
Your employer |
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 ADP to add or change your beneficiary(s).
SUPPLEMENTAL INSURANCE
For full plan details, please review the plan documents.
ACCIDENT INSURANCE BENEFIT |
|
What is it? |
When you have a covered accident, you can receive cash benefits to use however you see fit. |
What is covered? |
Covered;
|
Can I access my benefits online? |
Visit the Voya Benefits Resource Page to:
|
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Employee |
$2.84 |
Part-Time Employee |
$2.84 |
Employee + Spouse |
$5.67 |
Employee + Child(ren) |
$6.10 |
Employee + Family |
$8.94 |
For full plan details, please review the plan documents.
CRITICAL ILLNESS BENEFIT |
|
Benefit |
After your coverage effective date, if you are first diagnosed for a covered critical illness or undergo a covered procedure you could receive up to $10,000. |
What is covered? |
Benefits are provided for the following critical illnesses:
|
Who pays for coverage? |
You, if you choose to enroll. Rates are based on your age and your tobacco use. |
Can I access my benefits online? |
Visit the Voya Benefits Resource Page to:
|
For full plan details, please review the plan documents.
PET INSURANCE BENEFIT |
|
Rates |
Rates vary based on your pet(s) and the protection you purchase. |
How to get a quote |
Choose from two easy ways to sign up:
Visit: PetsNationwide.com and
|
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.
RETIREE COVERAGE
2026 RETIREE COVERAGE
Administered by Wellmark.
When you retire from Prairie Meadows, and you are 65, you can join the Wellmark plan. If your spouse is also 65, he/she can join the plan.
For full plan details, please review the plan documents.
RETIREE PLAN
RETIREE COVERAGE PLAN |
|
Eligibility |
If you retire before you are 65, you’ll have COBRA available to you.
You can join the plan once you (and/or your spouse) reach 65. |
Enrollment |
You have one opportunity to enroll – retirement date or the date you turn 65, whichever is later.
Reach out to Human Resources for additional information.
|
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.
2026-2027 ENROLLMENT
MEDICAL DOCUMENTS
TELEHEALTH DOCUMENTS
DENTAL DOCUMENTS
HEALTH SAVINGS ACCOUNT (HSA) DOCUMENTS
HEALTH CARE FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
LIFE INSURANCE DOCUMENTS
SHORT-TERM DISABILITY (STD) DOCUMENTS
LONG-TERM DISABILITY (LTD) DOCUMENTS
CRITICAL ILLNESS DOCUMENTS
401(k) DOCUMENTS
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.
Medical Carrier
Wellmark
Blue Access HMO: 800-355-2031
Traditional Alliance Select PPO: 800-924-9242
Savers HDHP PPO: 800-355-20341
Plan ID# 36737
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 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
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 - as easy as online shopping.
EDUCATE
Explore this portal and learn more about your decisions.
Use the Health Plan Comparison Tool and review all your other benefits to make sure 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.
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.
