benefits for associates

2022 Annual Enrollment

The Annual Enrollment Period for 2022 benefits is: October 20 through November 3, 2021

To enroll, click here: Enroll/View/Change Elections at Your Benefits Resources (YBR).

Your benefits,your way.  

Annual Benefits Enrollment is your annual opportunity to compare and enroll in medical and other benefits offered by Transformco.

Take action! Don’t Lose Your Coverage! 

All benefits-eligible associates must actively enroll in the following plans during Annual Enrollment (if they wish to continue coverage next year - 2022):*

• Medical and prescription drug coverage
• Dental coverage
• Vision coverage
• Flexible Spending Account (FSA) or Health Savings Account (HSA) contributions

New Medical Plan Option  

We are excited to introduce a new medical coverage option for 2022:

  • Blue High Performance Network (BlueHPN)

If you live in one of the 55+ major U.S. cities or areas that offer BlueHPN, you can select this plan which provides access to high quality doctors at lower cost to you and most services are coverage by a co-payment, rather than coinsurance. This plan is different from the Enhanced and Basic BCBS plans as there are no out-of-network benefits and you must see a provider that is in the BlueHPN network to receive benefits.

Please review the information within the 2022 BCBS Annual Benefits Enrollment Guide for more details and to see if this is the right plan for you.

Remember to Refresh:

In addition, all associates must “refresh” their spouse surcharge and tobacco credit elections. None of these elections will carry over from 2021. Although optional life insurance coverage automatically rolls over into 2022, be sure to closely review this coverage as your options and prices may have changed.

* This includes all benefits-eligible associates in the continental U.S., Puerto Rico, Guam, and the U.S. Virgin Islands. Due to state law, associates in Hawaii who do not currently have coverage will default into coverage.

Before You Enroll:

  • Read the 2022 Transformco Annual Benefits Enrollment Guide: English/Spanish and consider your options for medical and prescription drug coverage.

  • Confirm or update your home address, preferred email address and phone number on YBR.  If you choose to go paperless, you won’t miss out on important benefits messages. Once you’re on the YBR website, go to Your Profile in the upper right and choose the link for Manage Communications. Select Management Communications, make updates to preferred contact information and delivery preference.  


  • Go to YBR beginning October 20 to check out the enhancements made available during Annual Enrollment and utilize the various tools and resources to help you make your enrollment decisions.

During Enrollment:

  • Review your options and choose coverage on YBR. You can make changes up until Annual Benefits Enrollment closes on November 3
  • Take a closer look at all your available benefits for 2022. Specifically consider increasing your pre-tax contributions to your Health Savings Account (HSA) if you elect to enroll in the Basic Plan. 
  • Use the various tools and resources listed in the 2022 Transformco Annual Benefits Enrollment Guide: English\Spanish. Transformco remains committed to helping you select the right medical coverage for your situation. That's why helpful tools and resources are made available on YBR to help you make your enrollment decisions. Decide what is right for you and your family.
  • It's a perfect time to take a closer look at your Transformco Savings Plan. The Transformco Savings Plan is an easy way to save for retirement with pre-tax or post-tax savings and automatic payroll deductions.
  • Update your life insurance beneficiaries. If you have not done so already, you must designate beneficiaries for your life insurance and 401(k) Savings Plan.  You must add your beneficiary designations for life insurance even if you only have company paid life insurance. 

After Enrollment:

  • Make sure to review and print a copy of your Confirmation of Benefits statement to verify your elections. You will  receive a confirmation email and a Confirmation of Benefits statement (PDF) in your Secure Participant Mailbox on YBR within two business days of enrollment. 
  • Make sure your Confirmation of Benefits statement accurately reflects the elections you made during Annual Enrollment. Should you notice an error in elections, please contact the Transformco Benefits Center at 1.888.88sears (1.888.887.3277) and choose option 1 for health and financial benefits, 7 a.m. to 7 p.m. Central time.

Important Tip:

  • Single Sign-On. You can log in to YBR make your enrollment elections by simply entering your Enterprise ID and password! 


  • Go to YBR to access the following tools beginning October 20:
    • Provider Direct - Search for a provider based on factors, like distance, specialty, and language, that are important to you.
    • Medical Expense Estimator - Get help determining what your total out-of-pocket costs will be under each plan for the year, based on estimated usage, services, and deductions.  
    • Health Plan Comparison Chart - See side-by-side comparisons of your Transformco Medical plan coverage levels.
    • Benefits App (Upoint Mobile HR) - Get access to health plan coverage details, ProviderDirect search, spending account balances, 401(k) Savings Plan balances and more. Use your Benefit Site User ID and Password to access your personal information. Biometric authentication (Face ID/Touch ID) is also available.


  • Your Rights and Protections Against Surprise Medical Bills

  • 2022 Annual Enrollment Guides: English/Spanish

  • 2022 Annual Enrollment Checklist: English/Spanish

  • 2022 Annual Enrollment Contacts and Resources: English/Spanish

  • 2022 Annual Enrollment FAQs 

  • 2022 Annual Enrollment Associate Meeting Presentation

  • Unit Manager Memos: English/Spanish

  • Unit Posters: English/Spanish

401(k) Savings Plan


Savings Plan Highlights and FAQs 

Alight Healthcare Navigation (formerly Advocacy)   

Advocacy Services 

Dental - MetLife


2022 Dental Plan Guide

Dental - Netcare Summary of Benefits and Coverage
Life Insurance NEW Carrier MetLife

Plan Summary - Optional Life

Optional Life and AD&D Brochure



LTD  Valuable Benefits 

Medical - BCBS 
- Continental U.S. including Alaska



Summary of Benefits and Coverage:

BCBS  - Basic Plan 

BCBS - Enhanced Plan 

BCBS - Blue High Performance Network (BlueHPN)

 - Non-Tiered

 - Tiered (Philadelphia) 

BCBS 2022 Enrollment Guide          


Medical - BCBS 
- Hawaii
HMSA - CompMed
Medical - Kaiser  
- Continental U.S. in certain areas

Kaiser 2022 Enrollment Guide    

2022 Regional Enrollment Guides

- California

- Colorado

- Northwest (OR and Southwest WA)

- Washington

KP Cards via Mobile App

Let's Stay Healthy Together Guide

Care Away From Home Guide   

Care Away From Home Flyer

Care Away From Home Travel Line 

Summary of Benefits and Coverage:    

CA - Basic/Enhanced

CO - Basic/Enhanced

DC - Basic/Enhanced

GA - Basic/Enhanced 


MD - Basic/Enhanced


VA - Basic/Enhanced  

WA - Basic/Enhanced  

Medical - NetCare
- Guam  
Summary of Benefits and Coverage
Medical - Triple S
- Virgin Islands and Puerto Rico   
Summary of Benefits and Coverage:  Spanish/English 
 - For BCBS Members

Coming Soon


The OptumRx App

2022 Premium Standard Formulary

Clinical Programs

Home Delivery

Managing Diabetes with OptumRx

Smart-Choice  Smart-Choice Accounts 
Vision - EyeMed Basic Option Benefit Summary- English/Spanish
Premier Option Benefit Summary - English/Spanish

Voluntary Benefits

Your 2022 Supplemental Medical Benefit Guide
- English/Spanish

 - AI, CI and HC Insurance

 - Critical Illness Benefit Summary 
 - Critical Illness Insurance 
 - Critical Illness Video

 - Accidental Injury Benefit Summary
 - Accidental Injury Insurance 
 - Accidental Injury Video

 - Hospital Care Benefit Summary
 - Hospital Care Insurance 
 - Hospital Care Video

WorkLife Solutions


Benefits Summary - Anytime support
Connected - Your member website
Reach out - Mental Health 101
Quick Tips for Balancing Life            
Cheers - Give Yourself the gift of happier holidays