IN-NETWORK BENEFITS |
PLAN 1 4000 |
PLAN 2 6000 HSA |
Network |
Choice Plus |
Choice Plus |
Preventive CarePreventive Care is defined by the Affordable Care Act (ACA) Visit HealthCare.gov to access a list of covered preventive services by gender and age
|
100% Covered |
100% Covered |
Office Visit Copay |
Deductible then 30% coinsurance |
Deductible then 0% coinsurance |
Emergency Room Copay |
Deductible then 30% coinsurance |
Deductible then 0% coinsurance |
Prescription DrugCost Per Tier |
Tier 1: $15 Tier 2: $45 Tier 3: $85 Tier 4: $200 |
Deductible then: Tier 1: 0% coinsurance Tier 2: 0% coinsurance Tier 3: 0% coinsurance Tier 4: 0% coinsurance |
Deductible |
$4,000 Single $8,000 Family |
$6,350 Single $12,700 Family |
Coinsurance |
You pay 30% Plan pays 70% |
You pay 0% Plan pays 000% |
Out-of-Pocket Maximum |
$7,000 Single $14,000 Family |
$6,350 Single $12,700 Family |
RITALKA, INC.
ENROLL IN YOUR BENEFITS
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
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.
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
Benefits will go into effect the day immediately following 30 days of employment.
New hire enrollment is available for 30 days from your hire date.
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.
Documents can also be found in Employee Navigator.
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.
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.
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 UnitedHealthcare.
Ritalka, Inc. 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
BI-MONTHLY RATES |
PLAN 1 4000 |
PLAN 2 6000 HSA |
Employee |
$261.22 |
$109.17 |
Employee + Spouse |
$567.14 |
$371.69 |
Employee + Child(ren) |
$551.55 |
$350.65 |
Employee + Family |
$583.60 |
$387.64 |
For full plan details, please review the plan documents.
UHC VIRTUAL VISITS
Visit a doctor virtually anywhere, anytime.
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 UHC Member ID card ready.
REGISTER OR SIGN IN
- Create an account or sign in.
- Download the mobile app.
For full plan details, please review the plan documents.
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 UnitedHealthcare.
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 PLAN
IN-NETWORK SERVICES |
DENTAL PLAN |
Network |
National Options PPO 30 |
Preventive Services |
Covered at 100% |
Deductibles |
$50 Individual $150 Family |
Basic Services |
Covered at 80% |
Major Services |
Covered at 50% |
Annual Maximum |
$1,000 |
COVERAGE LEVEL |
RATE PER PAY PERIOD (24) |
Employee |
$18.80 |
Employee + Spouse |
$37.60 |
Employee + Child(ren) |
$43.16 |
Employee + Family |
$65.21 |
For full plan details, please review the plan documents.
VISION PLAN
IN-NETWORK SERVICES |
VISION BENEFIT |
Eye Exam1 every 12 months |
$10 copay |
Eyeglass Frames*1 every 24 months |
Member pays 70% of balance over $130 |
Eyeglass Lenses * **1 every 12 months |
Single vision-$25 Bi-focal-$25 Tri-focal-$25 Lenticular-$25 |
Contact Lenses * **1 every 12 months |
Conventional: $130 allowance
Medically Necessary: Plan pays 100% after $25 copay |
COVERAGE LEVEL |
RATE PER PAY PERIOD (24) |
Employee |
$3.08 |
Employee + Spouse |
$5.85 |
Employee + Child(ren) |
$6.86 |
Employee + Family |
$9.66 |
*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.
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.
HRA, HSA & FSA
2026 HRA, HSA & FSA BENEFITS
HSA administered by Optum. Spending Accounts, please see Ritalka HR.
The Health Reimbursement Account (HRA), a company-funded benefit, is designed to help cover your medical expenses once your family deductible is met.
We also 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 REIMBURSEMENT ARRANGEMENT (HRA)
HEALTH REIMBURSEMENT ACCOUNT (HRA) OVERVIEW |
|
Maximum Benefit |
$2,100.00 |
Effective |
When family reaches deductible |
How to be reimbursed |
Employee must submit receipt to Payroll Department |
For full plan details, please review the plan documents.
HEALTH SAVINGS ACCOUNT (HSA)
HSA OVERVIEW |
|
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 |
Maximum contributions |
Single: $4,400 Family: $8,750 Catch-up: $1,000 (those 55+) |
Pre-tax contributions? |
Yes |
Availability of funds |
Funds must accumulate before using |
Use it or lose it? |
No, unused funds roll over from year to year |
Can take it with you if you leave the company? |
Yes |
ELIGIBLE EXPENSESBeyond Your Plan Coverage |
|
More common examples |
|
Less common examples |
|
Download the full list from the Internal Revenue Service |
|
Also, try: |
|
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNTS (FSA)
FSA OVERVIEW |
|
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 plan has a grace period that allows you to submit claims within 60 days after the end of the 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 & SUPPLEMENTAL BENEFITS
Administered by UnitedHealthcare.
We offer life, disability, and additional coverage plans to help you plan for your family's financial security.
For full plan details, please review the plan documents.
LIFE INSURANCE
SUPPLEMENTAL LIFE AND AD&DEMPLOYEE PAID |
Employee Benefit |
|
Increments of $10,000 up to $500,000, up to 5 times Annual Earnings |
Guaranteed Issue*:Limit: up to $150,000 |
Spouse Benefit |
|
Increments of $5,000 up to $100,000, up to 50% employee amount |
Guaranteed Issue*:Limit: up to $30,000 |
Child Benefit |
|
Increments of $2,000 up to $10,000, up to 50% employee amount for each child for children age 14 days to 25 years. |
Guaranteed Issue*:Limit: up to $10,000 |
* 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 enroll during the Initial enrollment period, your coverage is provided to you on a guaranteed basis - no medical information is required. If you enroll after the initial enrollment period (or any time after you first become eligible), evidence of insurability will be required for all coverage amounts.
For full plan details, please review the plan documents.
DISABILITY INSURANCE
SHORT-TERM DISABILITY* |
|
Income replacement amount |
60% of weekly income Maximum $1,000 |
Maximum payment period |
11 weeks |
Accident benefits begin |
Day 15 |
Illness benefits begin |
Day 15 |
LONG-TERM DISABILITY* |
|
Income replacement amount |
60% of monthly income |
Maximum payment period |
Social Security Normal Retirement Age (SSNRA) |
Accident benefits begin |
Day 90 |
Illness benefits begin |
Day 90 |
Pre-existing conditions |
3 months / 12 month look back |
* If you enroll during the Initial enrollment period, your coverage is provided to you on a guaranteed basis - no medical information is required. If you enroll after the initial enrollment period (or any time after you first become eligible), evidence of insurability will be required for all coverage amounts.
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.
1
COLLECT THEIR INFORMATION
-
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
-
[Delete any of the above that do not apply]
2
GO TO EMPLOYEE NAVIGATOR
-
Log in to the Employee Navigator website
-
Navigate to "Benefits" or "Enrollment Summary"
-
Click "Beneficiaries"
-
Click "Edit Beneficiaries"
3
ADD OR UPDATE BENEFICIARY(S)
-
Select the specific benefit you want to update
-
Click on the "+" button
-
Enter the required information
-
Click "Save"
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? |
Coverage typically includes ambulance services, emergency room visits, intensive care unit confinement, etc. |
For full plan details, 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.
ASSISTANCE PROGRAM
2026 MEMBER ASSISTANCE PROGRAM (MAP)
Administered by UnitedHealthcare.
Ritalka, Inc. 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
ASSISTANCE PROGRAM |
|
Who is eligible? |
The program 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 program 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.
2026 ENROLLMENT
MEDICAL DOCUMENTS -
4000 Choice Plus Plan
MEDICAL DOCUMENTS -
6000 HSA Choice Plus Plan
PRESCRIPTION DRUG &
TELEHEALTH DOCUMENTS
ADDITIONAL MEDICAL DOCUMENTS
HRA DOCUMENTS
LIFE INSURANCE DOCUMENTS
LONG-TERM DISABILITY DOCUMENTS
ACCIDENT DOCUMENTS
CRITICAL ILLNESS DOCUMENTS
ASSISTANCE 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 PLANS
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE INSURANCE
DISABILITY INSURANCE
SUPPLEMENTAL INSURANCE
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
Enrolling in your benefits or changing your existing enrollment is 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?
Have you decided how much to contribute to your HSA or FSA?
Having correct First and Last names on hand is also helpful.
ENROLL
Log in to Employee Navigator account to complete your enrollment.
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.
