IN-NETWORK
BENEFITS |
Plan 1 - OAP5 1000/0 |
Plan 2 - OAP5 1500/20 |
Plan 3 - OAP6 6000/30 |
Deductible |
$1,000 Single$3,000 Family |
$1,500 Single$4,500 Family |
$6,000 Single$12,000 Family |
Coinsurance |
You pay 0%Plan pays 100% |
You pay 20%Plan pays 80% |
You pay 30%Plan pays 70% |
Out of Pocket Maximum |
$7,900 Single$15,800 Family |
$7,900 Single$15,800 Family |
$7,900 Single$15,800 Family |
Office Visit Copay |
$30 PCP$60 Specialist$5 Telehealth, unlimited visits per year$75 Urgent Care |
$30 PCP$60 Specialist$5 Telehealth, unlimited visits per year$75 Urgent Care |
$30 PCP$60 Specialist$5 Telehealth, unlimited visits per year$75 Urgent Care |
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Covered at 100% |
Chiro Visit |
$30 copay |
$30 copay |
$30 copay |
Emergency Room Copay |
$350 copay |
$350 copay + 20% coinsurance |
$350 copay + 30% coinsurance |
Prescription DrugDeductible |
Combined with medical |
$300 Single /$600 Family
(waived for Tier 1) |
$300 Single /$600 Family
(waived for Tier 1) |
Prescription DrugCost Per Tier |
Generic 1a: $15
Generic 1b: $15Preferred Brand: $35 Non-Preferred Brand: $60 Specialty: 25% coinsurance up to $350 copay after deductible |
Generic 1a: $5
Generic 1b: $20Preferred Brand: $45 Non-Preferred Brand: $90 Specialty: 25% coinsurance up to $450 copay after deductible |
Generic 1a: $5
Generic 1b: $20Preferred Brand: $45 Non-Preferred Brand: $90 Specialty: 25% coinsurance up to $450 copay after deductible |
F&W TRANSPORTATION
ENROLL IN YOUR BENEFITS
Learn more about this month's Monthly Minute communication topic by clicking here.
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 at:
EMAIL THE TEAM WITH BENEFITS-RELATED QUESTIONS
A team member will respond within 24 hours.
Hours: Mon - Fri - 7:30 am to 5:00 pm CT
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 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 (June 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
Benefit summaries, brochures, forms, and applicable applications can be viewed in Plan Documents:
- EDUCATE
Review your benefit options. - EVALUATE
Review available benefit options for the year.
Use carrier resources and tools to make decisions. - ENROLL
Enroll using the Enrollment Form
Review your benefit options
Return completed enrollment forms to HR
Summary Plan Descriptions (SPD) for plans can be found in:
ENROLL IN YOUR BENEFITS
You have 30 DAYS from your date of hire to enroll in your new benefits.
EDUCATE YOURSELF
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
MAKE DECISIONS
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
Complete your enrollment by accessing the Enrollment Form. Return completed forms to HR.
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 at:
EMAIL THE TEAM WITH BENEFITS-RELATED QUESTIONS
A team member will respond within 24 hours.
Hours : Mon - Fri - 7:30 am to 5:00 pm CT
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
MEDICAL
2024 MEDICAL BENEFITS
F&W Transportation 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 Anthem, to fit your budget and needs.
For full plan details, please review the plan documents.
MEDICAL PLANS COMPARISON
RATE(PER PAY PERIOD) |
Plan 1 - OAP5 1000/0 |
Plan 2 - OAP5 1500/20 |
Plan 3 - OAP6 6000/30 |
Employee |
$108.45 |
$83.93 |
$39.74 |
Employee + Spouse |
$311.00 |
$237.02 |
$207.38 |
Employee + Child(ren) |
$290.65 |
$220.30 |
$193.24 |
Employee + Family |
$546.69 |
$417.78 |
$370.33 |
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
TELEMEDICINE
2024 TELEMEDICINE BENEFITS
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.
USE TELEMEDICINE 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.
USE TELEMEDICINE FOR:
- Urgent care issues like colds, coughs, and stomach aches
- Mental health treatment, including online therapy, counseling, and medication management
- Recurring conditions like migraines or urinary tract infections
- Skin conditions
- Prescription management
HOW TO REGISTER
BE READY TO ACCESS
To get started, visit livehealthonline.com or phone 888-548-3432 to register and set up your account
DOWNLOAD THE DOCTOR ON DEMAND APP
APP to your mobile device and access your new account.
WHEN YOU NEED CARE
- Find a well-lit, private spot with good signal on your device
- Select START VISIT BUTTON
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
DENTAL
& VISION
2024 DENTAL & VISION BENEFITS
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans administered through BCBSGA. 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 |
LOW PLAN |
HIGH PLAN |
Preventive Services |
Covered at 100% |
Covered at 100% |
Deductible |
Applies to basic and major services only - $50 Single / $150 Family |
Applies to basic and major services only - $50 Single / $150 Family |
Basic Services |
You pay 20% (after deductible)
|
You pay 20% (after deductible)
|
Major Services |
You pay 50% (after deductible)
|
You pay 50% (after deductible)
|
Annual Maximum |
$1,000 per person per year |
$1,200 per person per year |
Orthodontic
|
You pay 50% (after deductible)
|
You pay 50% (after deductible)
|
COVERAGE LEVEL |
LOW PLAN |
HIGH PLAN |
Employee |
$7.54 |
$9.54 |
Employee + Spouse |
$15.10 |
$19.08 |
Employee + Child(ren) |
$15.81 |
$19.98 |
Employee + Family |
$24.22 |
$30.60 |
For full plan details, please review the plan documents.
SERVICES |
VISION BENEFIT |
Eye Exam
|
$10 copay |
Eyeglass Frames*
1 time / 12 months |
Member pays 20% of balance over $130 |
Eyeglass Lenses* **
|
$20 copay |
Contact Lenses* **
|
$130 allowance + 15% off balance |
*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 |
$1.45 |
Employee + Spouse |
$2.89 |
Employee + Child(ren) |
$3.10 |
Employee + Family |
$4.95 |
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
FSA
2024 FSA BENEFITS
We offer Flexible Spending Accounts (FSA), administered through BCBSGA. Eligibility in each plan will be based on enrollment.
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 Flexible Spending Account |
Maximum contributions |
Healthcare: $3,200Dependent Care: $5,000 ($2,500 if married filing separately) |
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 in the first 2.5 months of the next plan year. |
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 your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
LIFE & SUPPLEMENTAL
2024 LIFE & SUPPLEMENTAL BENEFITS
We offer life, disability, and additional coverage plans through Anthem to help you plan for your family's financial security.
LIFE AND AD&D BENEFIT* |
|
Life and Accidental Death & Dismemberment |
Up to $15,000
|
*100% of the cost of this benefit is covered by F&W Transportation.
BENEFITS |
LONG-TERM DISABILITY |
Coverage amount |
50% of monthly income up to $1,000 / months |
Maximum payment period |
Social Security Normal Retirement Age (SSNRA) |
Elimination Period |
Benefit begins from 180-day |
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
DOCUMENTS & NOTICES
ANNUAL LEGAL NOTICES
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
NEED HELP?
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
BENEFITS EDUCATION
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
FINANCIAL BENEFITS
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 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
Review your benefit options.
EVALUATE
Review available benefit options for the year.
Use carrier resources and tools to make decisions.
ENROLL
Enroll Online: Enrollment Form
Review your benefit options.
HAVE BENEFIT QUESTIONS?
Contact your TRUEAdvocate Team
Phone: (888) 655 - 9980
Hours: Mon - Fri - 7:30 am to 5:00 pm 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.
© 2025 TrueNorth Companies, L.C. All rights reserved.
