benefits for associates

2020 Annual Enrollment

The Annual Enrollment Period for 2020 benefits is: October 23 through November 6, 2019

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 - 2020):*

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

New Supplemental Medical Benefits

We are excited to introduce two new voluntary benefit options:

  • Critical Illness insurance pays a lump sum benefit directly to you in the event you or a covered family member are diagnosed with a covered condition such as heart attack, stroke, or cancer.
  • Accident injury insurance pays you or your covered dependents benefits for specific injuries and events resulting from a covered accident, both on and off the job.
In addition, all associates must “refresh” their spouse surcharge and tobacco credit elections. None of these elections will carry over from 2019. Although optional life insurance coverage automatically rolls over into 2020, 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 2020 Transformco Annual Benefits Enrollment Guide:English/Spanish and consider your options for medical and prescription drug coverage.

  • Confirm or update your home address, email address and phone number on MyHR and register your personal email address 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.  
  • Go to YBR beginning October 23 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 6.
  • Take a closer look at all your available benefits for 2020. 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 2020 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 23:
    • 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.


  • 2020 Annual Enrollment Guides: English/Spanish

  • 2020 Annual Enrollment Checklists: English/Spanish 

  • 2020 Annual Enrollment FAQs

  • ConsumerMedical FAQs

  • Unit Manager Memos: English/Spanish

  • Unit Posters: English/Spanish

  • Additional Resources: 

  • 2020 Annual Enrollment Meetings Presentations

401(k) Savings Plan


Transformco Savings Plan Enrollment Guide

Savings Plan Highlights and FAQs

Alight Healthcare Navigation (formerly Advocacy)   

Advocacy Services 

 - For BCBS Members 
ConsumerMedical Overview 
Making Important Medical Decisions
Improving Sleep

Dental - MetLife


2020 Dental Plan Summary

Dental Benefits and MetLife Mobile App

Dental Plan Overview

Dental Facts & Stats

Dental FAQs

Dental - NetCare
- Guam 
 Schedule of Benefits
Dental - Triple S
- Puerto Rico  
 Schedule of Benefits - Coming Soon
Life Insurance Optional Life Plan Summary 
LTD  Valuable Benefits 
Medical - BCBS 
- Continental U.S. including Alaska

BCBS 2020 Enrollment Guide

BCBS Benefit Guide - Basic Plan 

BCBS Benefit Guide - Enhanced Plan 

Summary of Benefits and Coverage:    Basic/Enhanced

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

2020 Enrollment Guide 

KP Cards via Mobile App

Away From Home Wallet Card

Stay Healthy Info. Sheet

Summary of Benefits and Coverage:    

CA - Basic/Enhanced

CO - Basic/Enhanced

DC - Basic/Enhanced

GA - Basic/Enhanced 


MD - Basic/Enhanced

OR - 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
Pre-Enrollment Site

- Your Pharmacy Network

- Your Prescription Drug Benefits

- Forms

- How-to Videos

Smart-Choice  Smart-Choice Accounts 
Vision - EyeMed

Basic Option Benefit Summary
Premier Option Benefit Summary 

Voluntary Benefits
Your Supplemental Medical Benefits 
 - Critical Illness Insurance
 - Accident Injury Insurance Benefits Schedule 

WorkLife Solutions


Benefits Summary - Anytime support
myStrength Pregnancy and Early Parenting
MyStrength -  Live Well