Skip to main content
logo

Decision Support

Page Header
#SavingMoney #PayBenefits

Last updated date: 10/15/2025

Resources to Help You Choose

With so many benefits to choose from, you have important decisions to make. You will have support every step of the way, with access to education and resources that help you understand your options and the enrollment process.

TouchCare benefit advocacy service – Contact TouchCare to help answer all of your benefit questions, including:
  • Comparing Transamerica's benefits to other coverage
  • Finding a doctor that is in-network
  • Helping you understand benefits that are available

Visit www.touchcare.com or call 866-486-8242. This benefit is free and available to all benefit-eligible employees.

Aptia365 enrollment website – Visit the Aptia365 website to find educational information and decision-support tools to help you select the benefits that are right for you. These tools allow you to:

  • Model different cost scenarios;
  • Compare plans side-by-side;
  • Get personalized “Best Match” plan suggestions; and
  • Learn about the advantages of health savings and flexible spending accounts

2026 benefits program presentations –  These recorded presentations, available on Transamerica Learn, can be watched at your convenience, from work or home. If you are connected to the network, it won't be necessary to enter additional credentials. If you are not connected to the network, you'll need to enter your network username, password and domain.

Click here to get started with any of the following courses. We know your time is valuable, so most presentations are less than 5 minutes in length.

  • Medical
  • Wellmark Narrow Network Plan (Iowa Only)
  • Dental and Vision
  • Life and Disability
  • Voluntary Benefits
  • Spending and Saving Accounts
  • Reward Dollars

What's Changing overview –  Click here for a summary of what's changing for 2026.

Frequently Asked Questions –  Click here to find answers to common enrollment questions.

Savings and Spending Accounts at a Glance –  Click here to learn about your Health Savings Account (HSA) and Flexible Spending Account (FSA) options.

2026 Summary of Benefits and Coverage

Medical SBC

United Healthcare

Wellmark Blue Cross Blue Shield

Kaiser Permanente

Premium Rates

As you review your options, take an active role in managing your costs by selecting the right amount of coverage for your needs — remember, you'll pay more from your paycheck for plans with lower deductibles and higher cost-sharing when you need care, but if you don't expect to need a lot of care, higher deductible plans could save you money overall.

2026 Medical, Dental and Vision

You can view your 2026 premium rates for medical, dental and vision coverage through the links below:

2026 Life Insurance and Long-Term Disability

2025 Medical, Dental and Vision

You can view your 2025 premium rates for medical, dental and vision coverage through the links below:

2025 Life Insurance and Long-Term Disability

Enrollment Checklist

Use this checklist to prepare.

image

  • Learn about your benefit options by reviewing the online Benefits Decision Guide.

  • Think about your coverage needs, including how much health care ― and what type of care ― you anticipate needing for yourself and your family.

  • Think about how you prefer to handle costs. For instance, would you rather pay more from your paycheck for a medical plan that covers more of your costs when you need care or pay as little as possible from your paycheck — even if that means bigger bills when you need care?

  • Consider if you have enough protection to provide sufficient income for your loved ones in the event of a disability, dismemberment or death.

  • Verify your dependent eligibility and submit required documentation within 31 days from the date you add your dependent to your medical, dental, or vision coverage.

  • Enroll in an FSA and/or HSA to help you save money — these accounts allow you to pay for eligible expenses with pre-tax money. ― If you elect an HSA for 2026, you are eligible to receive Reward Dollars for participating in the wellness program between January 1 and November 30, 2026.

  • Add your beneficiaries during the enrollment process.

  • Complete your benefits enrollment.

Carefully review and save your benefits summary for your records (you will be prompted to do this after submitting your elections).

TIP: Think about the whole cost.

When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (deductibles and coinsurance).

Top 5 Questions

Don't see your question here?

Click here for additional frequently asked questions.

  1. Do I need to enroll?

    You do not need to re-enroll in benefits for 2026, with the exception of the Health Savings Account and Flexible Spending Accounts (your current election for these accounts will not roll over into 2026). If you currently waive medical coverage, you will not have medical coverage in 2026 unless you actively enroll.

    If you want to make any changes to your current benefit elections, including adding or cancelling benefits, you must make these changes during annual enrollment, between October 23 – November 7, 2025.

    If you are currently enrolled in the $3,300 deductible medical plan, this plan is being discontinued and you should elect a new medical plan before Annual Benefits Enrollment ends on November 7, 2025. If you do not take action during annual enrollment, you will transfer to a medical plan with a different deductible. See “Important!" box below for details.

  2. What happens if I don't enroll by November 7

    Most of your current benefits will automatically carry over to 2026 if you do not make an active election between October 23 – November 7, 2025. However, you must enroll if you want to elect an HSA or FSA in 2026 – tax-advantaged account elections do not automatically carry over.

    After Annual Benefits Enrollment ends on November 7, you will only be able to change or add benefits if you experience a qualifying life event, such as a marriage or the birth of a child. Go to the Making Benefit Changes section to see a complete list of the events that allow you to change your benefit elections mid-year.

    3. Important!

    If you're currently enrolled in the $3,300 Deductible Plan and you do NOT take action between October 23 and November 7, 2025, you and your covered dependents will automatically be enrolled in the following plan for 2026:

    • For Wellmark Blue Cross Blue Shield (BCBS) or United Healthcare (UHC) members: The $4,500 Deductible Plan (with a $9,000 family deductible).
    • For Kaiser members: The $1,850 Deductible Plan (with a $3,700 family deductible). (Kaiser does not offer the $4,500 Deductible Plan.)

  3. How are the medical plans different? The key difference between the plans is how much you pay from your paycheck and how much you pay toward the cost of health care you receive throughout the year. Consider how you prefer to handle costs. For instance, would you rather pay extra every pay period for a medical plan that covers more of your costs when you need care? Or pay as little as possible from your paycheck — even if that means bigger bills at the time you receive services? The other consideration is that the two high-deductible health plans allow you to contribute to an HSA, but the $900 Deductible Plan does not.

  4. What's the difference between the Health Care Flexible Spending Account (FSA) and the Health Savings Account (HSA)? The way the Health Care FSA and the HSA work is largely the same — you contribute to your account through automatic, pre-tax payroll deductions, then use the money to pay for eligible health care expenses. However, there are some important differences. For example, all the money in an HSA rolls over year after year and is always yours to keep, whereas you can only carry over $680 in a Health Care Flexible Spending Account. With an HSA, you must have the funds available in your account to pay for an expense; an FSA allows you to reimburse yourself up to the total amount you choose to contribute for the year — even if the money has not yet been contributed to your account. It's also important to note that you cannot contribute to both an HSA and Health Care FSA at the same time; however, you can contribute to both an HSA and a Combination FSA. Check out this at-a-glance snapshot of our tax-advantaged accounts to understand how to get the most out of these options.

  5. I have questions about my benefits.

    Here are a few options for support with your enrollment.

    TouchCare: This benefit advocacy service can help you understand your benefit options and answer any questions related to benefits. Visit www.touchcare.com or call 866-486-8242. This service is free and available to all benefit-eligible employees.

    Aptia: For help with anything enrollment related, benefits counselors are available by phone through Aptia's dedicated Transamerica Benefits Center at 866-891-4274 or via secure online chat on the Aptia365 website, Monday through Friday between 6 a.m. and 8 p.m. CT. During Annual Benefits Enrollment, extended hours will be available: Monday through Friday, 6 a.m. to 8 p.m. CT, and 9 a.m. to 1 p.m. CT on Saturdays.

    After your benefits enrollment ends, benefits counselors can assist you with making coverage changes if you experience a qualifying life event during the year.