IN-NETWORK
BENEFITS |
WELLMARK |
PSF |
Preventive CarePreventive 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. |
100% Covered |
100% Covered |
Office Visit Copay |
$15 PCP$20 Non-PCP$15 Telemed$20 Urgent Care |
$15 PCP$20 Non-PCP$15 Telemed$20 Urgent Care |
Emergency Room |
$150 copay+ 20% coinsurance
|
$150 copay+ 20% coinsurance
|
Prescription Drug Copay |
$10 Tier 1$30 Tier 2$55 Tier 3$50 Tier 4
|
$10 Tier 1$30 Tier 2$55 Tier 3$50 Tier 4
|
Specialty Rx Copay |
$100 Preferred Specialty50% Non-Preferred Specialty |
$100 Preferred Specialty50% Non-Preferred Specialty |
Deductible |
$6,000 Single$12,000 Family |
$1,000 Single$2,000 Family |
Coinsurance |
You pay 20%Plan pays 80% |
You pay 20%Plan pays 80% |
Out of Pocket Maximum |
$8,000 Single$16,000 Family |
$2,500 Single$5,000 Family |
ROLAND-STORY CSD
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
During New Hire and Open Enrollment periods, you can:
-
Enroll or re-enroll
-
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 district'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
As a full-time employee of Roland-Story Community School District, your benefits are effective the first day of the month following the date of hire for 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;
-
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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July 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.
ENROLL IN YOUR BENEFITS
You have 30 DAYS from your date of hire to enroll in your new benefits.
EDUCATE
Explore this portal.
Learn more about your benefits to ensure you and your family have the right protection for the next year.
EVALUATE
What are my next steps?
Make your benefit decisions and ensure 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
Finalize your benefits decision.
Return your completed Benefits Enrollment Form and other applicable carrier forms to Lacy Lake.
Lacy Lake
Human Resources Director
Phone: 515-733-4301
Email: llake@roland-story.k12.ia.us
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.
Roland Story is committed to offering a medical insurance benefit that uses a network of providers, hospitals, and pharmacies to provide employees and their families access to quality healthcare and protection against the cost of illness or injury.
For full plan details, please review the plan documents.
MEDICAL PLANS COMPARISON
For full plan details, please review the plan documents.
DOCTOR ON DEMAND
Visit a doctor virtually anywhere, anytime. All you need is a smartphone, tablet, or computer/laptop to have a successful online doctor visit.
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.
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. You can save on prescriptions by exploring generic drugs, discount programs, different pharmacies, and what is covered by your health plan.
Learn how to alleviate the burden of high 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
2026 DENTAL BENEFITS
Administered by Delta Dental of IA.
As part of the comprehensive health insurance coverage, we offer Dental 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.
IN-NETWORK SERVICES |
PPO Network |
PREMIER Network |
Preventive Services |
Covered at 100% |
Covered at 100% |
DeductibleApplies to Basic & Major services.
|
$15 Individual $45 Family |
$25 Individual $75 Family |
Annual Maximum |
$1,500 per person per year |
$1,500 per person per year |
Basic Services |
You pay 20% coinsurance (after deductible), |
You pay 20% coinsurance (after deductible), |
Major Services |
You pay 50% coinsurance (after deductible), |
You pay 50% coinsurance (after deductible), |
Orthodontic
|
You pay 50% coinsurance (after deductible), up to a lifetime maximum of $2,000 |
You pay 50% coinsurance (after deductible), up to a lifetime maximum of $2,000 |
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.
FSA
2026 FSA BENEFITS
Administered by Advantage Administrators.
We offer Flexible Spending Accounts (FSA). Eligibility in the plan will be based on enrollment.
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNT (FSA) |
|
Maximum contributions |
Healthcare and Limited Purpose: $3,400
Dependent Care: $7,500 ($3,750, if filing Single) |
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 during the first 2.5 months of the next 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 |
|
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 MetLife.
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 AND AD&D BENEFIT* |
|
Life and Accidental Death & Dismemberment |
$10,000 |
*100% of the cost of this benefit is covered by Roland Story CSD.
EMPLOYEE-PAIDLIFE AND AD&D |
BENEFITS |
GUARANTEED ISSUE** |
Employee |
You can purchase coverage on yourself in increments of $10,000 to the lesser of $500,000 or 5 times your annual income. |
There is a guaranteed issue amount of $100,000 for newly eligible employees. This means you can elect up to $100,000 without underwriting approval. |
Spouse |
You may purchase insurance on your spouse in $5,000 increments with a minimum issue amount of $5,000 to a maximum of $100,000, not to exceed 50% of the employee amount. |
Newly eligible spouses have a guaranteed issue amount of $25,000 before underwriting approval is required. |
Children |
Increments of $1,000, $2,000, $4,000, $5,000 or $10,000 for children older than 6 months up to the age of 26 may be covered. |
$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). To complete your EOI form click here.
For full plan details, please review the plan documents.
BENEFITS |
LONG-TERM DISABILITY |
Coverage amount |
60% of your pre-disability earnings to a monthly maximum benefit of $5,000 |
Maximum payment period |
The greater of your Social Security Normal Retirement Age (SSNRA) or 4 years |
Benefits begin |
Day 91 |
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:
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Full legal name
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Date of birth
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Relationship (if applicable)
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Tax Identification Number (TIN)
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Social Security Number (SSN)
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Employer Identification Number (EIN)
-
-
Mailing address
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Email address
-
Phone number
Then, 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.
EMPLOYEE ASSISTANCE
2026 EMPLOYEE ASSISTANCE PROGRAM (EAP)
Administered by Covenant Family Solutions.
Roland Story 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? |
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.
403(b) RETIREMENT PLAN
2026 403(b) RETIREMENT PLAN
Administered by RIC 403(b).
Whatever the future looks like for you, are you saving enough money today to make your dreams happen tomorrow?
IOWA RETIREMENT INVESTORS' CLUB
How do you picture your future? Working in the herb garden you’ve always wanted but didn’t have time to tend to? Starting a new business? Exploring a new hobby or traveling to a new place? Moving to a condo to avoid yard work? Waking up to the sunrise, not an alarm? Getting a part-time job doing something you’ve always been interested in, but didn’t have time to do? Playing golf?
The Iowa Retirement Investors’ Club can help you get there.
Learn more about the plan at https://das.iowa.gov/RIC/403b/plan_details or call 800-460-4692.
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
ANNUAL LEGAL NOTICES
MEDICAL DOCUMENTS
DENTAL DOCUMENTS
BASIC LIFE INSURANCE
DOCUMENTS
VOLUNTARY LIFE INSURANCE DOCUMENTS
LONG-TERM DISABILITY (LTD) 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
Phone: 800-524-9242
Group Number: 569210000
Website: wellmark.com
TELEMEDICINE CARRIER
Doctor on Demand
Phone: 800-997-6196
Website: doctorondemand.com
DENTAL CARRIER
Delta Dental of IA
Phone: 800-544-0718
Group Number: 43076-1
Website: deltadentalia.com
FSA CARRIER
Advantage Administrators
Phone: 800-383-1623
Website: advantageadmin.com
LIFE AND AD&D CARRIER
Metlife
Phone: 866-492-6983
Group Number: 5958904
Website: metlife.com
DISABILITY CARRIER
Metlife
Phone: 800-300-4296
Group Number: 5958904
Website: metlife.com
EAP CARRIER
Covenant Family Solutions
Phone: 833-434-1335
Email: consulting@covenantfamilysolutions.com
RETIREMENT CARRIER
Iowa Retirement Investors' Club (RIC)
Phone: 800-460-4692
Website: das.iowa.gov/RIC/403b
TRUEADVOCATE TEAM
TrueNorth Companies, L.C.
Phone: 888-655-9980
Email: trueadvocate@truenorthcompanies.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.
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
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE INSURANCE
DISABILITY INSURANCE
EMPLOYEE ASSISTANCE
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!
ENROLLMENT BLUEPRINT
Enroll in your benefits or change your existing enrollment in 3 easy steps!
Lacy Lake
Human Resources Director
Phone: 515-733-4301
Email: llake@roland-story.k12.ia.us
Adam Hubert, SHRM-CP
Finance Director
Phone: 515-733-4301
Email: ahubert@roland-story.k12.ia.us
EDUCATE
What do I need to know?
Review the information in this Benefits Portal to learn about the benefits available to you
Download your Benefits Enrollment Guide
And review the Annual Notices
EVALUATE
What are my next steps?
If you would like to enroll in the medical plan:
-
You MUST complete the Benefits Enrollment Form (sent to you in the mail).
-
New enrollees MUST also complete the Wellmark Coverage Application and Personal Doctor Selection Form.
If you would like to enroll in a Flexible Spending Account:
-
You MUST complete the Advantage Administrators Flex Enrollment Form
-
And complete your Benefits Enrollment Form
If you would like to enroll in voluntary dental coverage, offered through Delta Dental:
-
You MUST complete the Benefits Enrollment Form
-
New enrollees MUST also complete the Delta Dental Enrollment Form
If you would like to enroll in voluntary life + AD&D coverage, offered through MetLife:
-
You MUST complete the Benefits Enrollment Form
-
New enrollees also MUST complete the MetLife Enrollment Form
ENROLL
Finalize your benefits decision.
-
Return your completed Benefits Enrollment Form and other applicable carrier forms to Lacy Lake.
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.
