New Hires

Welcome to Transamerica!

Transamerica provides a comprehensive suite of benefits. You have a choice of medical, dental and vision plans, plus a variety of other plans and voluntary benefits.

As a new employee of Transamerica, you must enroll for health benefits within the 30-day deadline provided to you by Aptia. Enrollment in Transamerica’s benefits are optional. While the Affordable Care Act individual mandate penalty was eliminated, certain state-level individual mandates do exist. As a result, you may still want to enroll in health coverage depending upon where you reside to avoid a penalty.

What You Need to Do

1. Learn about your options for 2025 health benefits by reviewing this online decision guide (and, if needed, you can review information about your 2024 health benefits in this benefits decision guide).
   
   Important Note: Any benefit elections made for the 2024 plan year before open enrollment starts will carry over to 2025. Any benefit elections made for the 2024 plan year after open enrollment starts will not carry over to 2025. You must elect your 2025 benefits separately if you elect your benefits during this time.
   
   For details on benefits that are automatically offered to you as a Transamerica employee, and eligibility about other benefits like the employee assistance program, paid time off and the Transamerica 401(k) Retirement Savings Plan, visit ePortal at https://transamerica.service-now.com/hrportal, or call People Solutions at 866-558-5560, Option 2.
   
   
2. Enroll in your benefits prior to the 30-day deadline provided to you by Aptia. You will receive a notification to your work email address from Aptia, which will include your deadline and instructions on how to enroll in benefits on the Aptia365 (formerly Mercer Marketplace 365+) website.
   
   • If you’re a Transamerica employee, your coverage will be effective on the first of the month immediately following your date of hire.
     
   • If you’re a Transamerica Agency Network employee, your coverage will be effective on the first of the month following your 55th day of employment.
   
   If you do not enroll within the 30 day-deadline, you will only have Company-provided benefits, as applicable.
   
   You cannot make a new election or cancel coverage until the next Annual Benefits Enrollment period (for 2026 benefits) unless you have a qualifying change in status, such as marriage or the birth of a child during the year. For a complete list of qualifying events, see the Making Benefit Changes section.

3. If you have any questions on your benefits, contact Aptia's dedicated Transamerica Benefits Center at 866-891-4274. Benefits counselors are available from 6 a.m. to 8 p.m. CT Monday through Friday.
   
   
4. If you are covering a dependent, you will need to submit dependent verification documentation to Aptia365 within 31 days of the date you enroll your dependent or your dependent’s benefits will not be activated. Submit verification using one of the methods below.
   
   • Upload to the Aptia365 (formerly Mercer Marketplace) website
     
   • By mail: Mail copies of documentation to Aptia365, PO Box 10398 Des Moines, IA 50306-0398
   
   It may take up to 10 business days to process your dependent verification after documentation has been received.

5. Watch your mail for ID cards, debit cards and more information.
   Depending on the benefits you have chosen, you will receive an ID card for:
   • Medical (from Wellmark Blue Cross Blue Shield, United Healthcare or Kaiser)
   • Prescription Drugs (from Express Scripts)
   
   If you enroll in dental coverage, Delta Dental will mail you an ID card. You can also print your ID card on the Delta Dental of Iowa website at deltadentalia.com after you register.
   
   If you enroll in a Health Savings Account (HSA) or a Flexible Spending Account (FSA), you will receive a debit card and account information from Transamerica. You will only receive one debit card that you will use for any of the accounts you elected.