IN-NETWORKBENEFITS |
$1,000 HMO |
$1,500 HMO |
$3,300 HDHP PPO |
Deductible |
$1,000 Single$2,000 Family |
$1,500 Single$3,000 Family |
$3,300 Single$5,600 Family |
Coinsurance |
You pay 20% (after deductible)Plan pays 80% |
You pay 20% (after deductible)Plan pays 80% |
You pay 0% (after deductible)Plan pays 100% |
Out of Pocket Maximum |
$3,500 Single$7,000 Family |
$5,000 Single$10,000 Family |
$3,300 Single$5,600 Family |
Office Visit Copay |
$20 Designated PCP$25 PCP$50 Specialist$10 Doctor on Demand$25 Urgent Care |
$20 Designated PCP$25 PCP$50 Specialist$10 Doctor on Demand$25 Urgent Care |
Deductiblethen 0% coinsurance$59 Doctor on Demand
|
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$150 copay |
$150 copay |
Deductiblethen 0% coinsurance |
Prescription DrugDeductibleCost Per Tier |
$100 Single /$200 Family
Tier 1: $15Tier 2: $30Tier 3: $50Tier 4: $50
Generic Specialty: $100
Preferred Specialty: $150
Non-Preferred Specialty: $300
|
$100 Single /$200 Family
Tier 1: $15Tier 2: $30Tier 3: $50Tier 4: $50
Generic Specialty: $100
Preferred Specialty: $150
Non-Preferred Specialty: $300
|
Deductiblethen 0% coinsurance |
WARREN COUNTY
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 ADP 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 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.
UNLOCK BENEFITS CLARITY
Ever feel lost in the world of employee benefits? We know it can be confusing. Our Monthly Minute communications library and the Benefits Education video library provide clear, concise information so you can understand your valuable benefits package.
USE THE HEALTHJOY MOBILE APP!
HAVE BENEFIT QUESTIONS?
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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 if there’s anything you do not understand.
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.
Changes to your benefits enrollment can only be made:
- at the time of hire
- during the annual enrollment period (January 1 effective date)
- and due to a qualifying 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
Summary Plan Descriptions (SPD) for plans can be found in Plan Documents & Notices.
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 you are required to enroll in and/or waive your benefits.
- Please note: All those who are enrolled in the Health Savings Account (HSA) and/or 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? Reach out to HealthJoy! Just call (877) 500-3212.
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?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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
Warren County Group is committed to offering a variety of medical benefits that provide generous coverage for employees and their covered dependents. We offer medical plans, administered through Wellmark, to fit your budget and needs.
For full plan details, please review the plan documents.
MEDICAL PLANS COMPARISON
RATE(Wellness Monthly Rates) |
$1,000 HMO |
$1,500 HMO |
$3,300 HDHP PPO |
Employee |
$64.22 |
$27.85 |
$0.00 |
Employee + Spouse |
$249.26 |
$173.19 |
$41.80 |
Employee + Child(ren) |
$226.86 |
$156.49 |
$34.93 |
Employee + Family |
$396.80 |
$283.18 |
$87.05 |
RATE(Standard Monthly Rates) |
$1,000 HMO |
$1,500 HMO |
$3,300 HDHP PPO |
Employee |
$114.22 |
$77.85 |
$12.96 |
Employee + Spouse |
$299.26 |
$223.19 |
$91.80 |
Employee + Child(ren) |
$279.86 |
$206.49 |
$84.93 |
Employee + Family |
$446.80 |
$333.18 |
$137.05 |
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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.
DOCTOR ON
DEMAND
Doctor on Demand
SEE A DOCTOR IN MINUTES
Getting sick is bad enough without having to get out of bed to see a doctor. With Doctor on Demand, you and your family members can connect face-to-face with a board-certified doctor 24 hours a day, 7 days a week, 365 days a year.
Get Treatment For:
• Cold and flu • Bronchitis and sinus infections • Urinary tract infections • Sore throats • Allergies • Fever • Headache • Pink eye • Skin condition • Mental health issues (including anxiety, depression, relationship issues, grief, eating disorders, smoking cessation or alcohol dependence)
Questions? Call (800) 997-6196
For full plan details, please review the plan documents.
DOCTOR ON DEMAND BENEFITS |
|
What is Doctor on Demand? |
Doctor on Demand provides you with access via online video consult to U.S. board-certified doctors so you can resolve non-emergency medical issues without having to visit a doctor's office. |
How Much Does a Consult Cost? |
$1,000 HMO Plan:
|
Non-Emergency Medical Treatments |
You can use it for non-emergency medical situations such as:
|
Short-Term Prescriptions |
If needed, the doctor can prescribe you short-term prescriptions and have them sent to your pharmacy. Please see below for some common prescriptions.
|
When are Doctors Available? |
There are doctors on call 24 hours a day, 7 days a week |
How Do I Use Doctor on Demand? |
1. Log in to myWellmark on your computer to set up your Doctor on Demand account. 2. Download the mobile app from the App Store or Google Play. 3. Tap "See A Medical Doctor Now," enter your symptoms and begin your virtual visit. |
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans administered through Delta Dental and Avesis. If you have an HSA or an FSA, you can use these funds to cover eligible costs like your deductible or copay.
For full plan details, please review the plan documents.
SERVICES |
PPO DENTISTS |
PREMIER DENTISTS |
Preventive Services |
Covered at 100% |
Covered at 90% |
Deductibles |
$50 Individual/$100 Family |
$75 Individual/$150 Family |
Basic Services |
Covered at 80% |
Covered at 70% |
Major Services |
Covered at 50% |
Covered at 50% |
Annual Maximum |
$1,000 |
$1,000 |
Orthodontic |
Covered at 50% to a lifetime maximum of $1,500 |
Covered at 50% to a lifetime maximum of $1,500 |
COVERAGE LEVEL |
RATE PER MONTH |
Employee |
$0.86 |
Employee + Spouse |
$12.68 |
Employee + Child(ren) |
$15.47 |
Employee + Family |
$25.57 |
For full plan details, please review the plan documents.
SERVICES |
VISION BENEFIT |
Eye Exam |
In-network:
|
Eyeglass Frames* |
In-network:Covered in full up to $150 retail allowance |
Eyeglass Lenses* ** New Enhanced Benefit!
|
In-network:Single Lined - $0 copayBifocal Lined - $0 copayTrifocal - $0 copayLenticular - $0 copayIn-network:Polycarbonate - $0 copayStandard Scratch-Resistant - $0 copayStandard Anti-Reflective - $0 copayUV Screening - $0 copayIn-network:Level 1 & 2 Progressives - $75 - $110 |
Contact Lenses* ** |
In-network:When you choose contacts instead of glasses, you pay a $130 allowance.
|
Frequency Limits |
Lenses: Every 12 months
|
*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 |
$0.84 |
Employee + Spouse |
$5.98 |
Employee + Child(ren) |
$5.98 |
Employee + Family |
$5.98 |
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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
2025 HSA & FSA BENEFITS
We offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA), administered through HSA Bank and iSolved Benefits. 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 |
To be eligible for a Health Savings Account, you must follow the below eligibility rules:
High Deductible Health Plan ($3,300 Plan)
|
Maximum contributions |
Single: $4,300 Family: $8,550 Catch-up: $1,000 (those 55+) |
Pre-tax contributions? |
Yes |
Warren County GroupEmployer contributions? |
Employee: $600 per year Employee and Spouse: $750 per year
Please note that contributions will be made on a quarterly basis. (January, April, July, October)
|
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 |
IRS - Publication 502 |
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: $3,300 Dependent Care: $5,000 |
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, you have a grace period of 75 days after the end of the year in which to spend any money left in your account. After this grace period, you will lose any funds left in your account |
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 |
|
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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
2025 LIFE & SUPPLEMENTAL BENEFITS
We offer life, disability, and additional coverage plans through Symetra Life Insurance Company 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 |
Flat $20,000 |
EMPLOYEE-PAIDLIFE AND AD&D |
BENEFITS |
GUARANTEE ISSUE** |
Employee |
Elect in increments of $10,000 up to a maximum of $500,000 not to exceed 5 times your basic annual earnings. |
$100,000 (New hires only). If you are a late entrant or increasing your benefit amount you will be required to answer medical questions. |
Spouse |
Elect in increments of $10,000 up to a maximum of $150,000 not to exceed 50% of Supplemental Employee Coverage.
|
$30,000 |
Children |
Increments of $2,000 for children 6 months and older. |
$10,000 Maximum |
*100% of the cost of this benefit is covered by Warren County Group.
**New hire 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.
**New hire 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 DISABILITY |
LONG-TERM DISABILITY |
Coverage amount |
60% of weekly incomeUp to $350 per week |
60% of monthly incomeUp to $3,000 per month |
Maximum payment period |
7 weeks |
Social Security Normal Retirement Age (SSNRA) |
Accident benefits begin |
Day 15 |
Day 61 |
Illness benefits begin |
Day 15 |
Day 61 |
Who pays for your coverage? |
Your Employer |
Your Employer |
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. |
COVERAGE LEVEL |
LOW PLAN |
HIGH PLAN |
Employee |
$6.26 |
$9.68 |
Employee + Spouse |
$10.34 |
$16.71 |
Employee + Child(ren) |
$11.43 |
$18.97 |
Employee + Family |
$15.51 |
$26.00 |
For full plan details, please review the plan documents.
CRITICAL ILLNESS BENEFIT |
|
Benefits Options |
Employee: Elect increments of $5,000 up to $20,000
|
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 HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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)
Warren County Group is committed to the overall well-being of our employees and your covered dependents. Our Employee Assistance Program (EAP), administered through Symetra includes 24/7 services.
For full plan details, please review the plan documents.
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 HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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
PROGRAM
2025 WELLNESS PROGRAM
Warren County cares about your health and wellness! We know that it can be difficult to focus on your health when you have a busy lifestyle, but it is so important! Remember, you can earn points throughout the year to qualify for a $50 wellness incentive.
Please take a look at the "Warren County Wellness Points List" on plan documents to see how you can earn these points. You will need to earn 1000 points throughout the year to receive the wellness incentive
For full plan details, please review the plan documents.
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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 - SUMMARY PLAN DESCRIPTION
DENTAL DOCUMENTS
FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
LIFE INSURANCE DOCUMENTS
WELLNESS PROGRAM DOCUMENTS
USE THE HEALTHJOY APP!
CHAT WITH HEALTHJOY
-
Call (877) 500-3212
-
Log into the HealthJoy app
-
Download from the App Store
-
Download from Google Play Store
-
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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.
USE THE HEALTHJOY APP!
CHAT WITH HEALTHJOY
-
Call (877) 500-3212
-
Log into the HealthJoy app
-
Download from the App Store
-
Download from Google Play Store
-
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?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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 & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
ADDITIONAL SUPPLEMENTAL
EMPLOYEE ASSISTANCE & WELLNESS
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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.
STEP 1
Explore this portal and learn more about your benefits to make sure you and your family have the right protection for the next year.
STEP 2
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?
STEP 3
Login to your ADP account to complete your enrollment.
HAVE BENEFIT QUESTIONS?
Contact HealthJoy Today!
Phone: (877) 500-3212
Log into the HealthJoy app!
To get started, download from:
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.
