benefits for associates

2021 Annual Enrollment

The Annual Enrollment Period for 2021 benefits is: October 21 through November 4, 2020

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 - 2021):*

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

New Supplemental Medical Benefit

We are excited to introduce a new voluntary benefit option for 2021:

  • Hospital Care insurance can supplement your medical plan and provides you and your family with coverage and additional financial protection needed for expenses associated with an unplanned covered accident, illness and qualified hospitalization.

In addition, all associates must “refresh” their spouse surcharge and tobacco credit elections. None of these elections will carry over from 2020. Although optional life insurance coverage automatically rolls over into 2021, 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 2021 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 21 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 4
  • Take a closer look at all your available benefits for 2021. 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 2021 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 21:
    • 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.


  • 2021 Annual Enrollment Guides: English/Spanish 

  • 2021 Annual Enrollment Checklists: English/Spanish 

  • 2021 Annual Enrollment Benefits Contacts and Resources: English/Spanish 

  • 2021 Annual Enrollment FAQs

  • ConsumerMedical FAQs

  • Unit Manager Memos: English/Spanish

  • Unit Posters: English/Spanish

  • Additional Resources: 

  • Annual Enrollment Presentation - Associate

  • Compare Your Plans

401(k) Savings Plan


Savings Plan Enrollment Guide

Savings Plan Highlights and FAQs 

Alight Healthcare Navigation (formerly Advocacy)   

Advocacy Services 

 - For BCBS Members 
ConsumerMedical Overview 

Dental - MetLife


2021 Dental Plan Summary

Dental Benefits and MetLife Mobile App

Dental Plan Overview

Dental Facts & Stats

Dental FAQs

Dental - Netcare 2021 Dental Plan Summary
Life Insurance Optional Life and AD&D
Plan for the future
Group Term Life
How much life insurance do I need?
Evidence of Insurability (EOI)
Designate a beneficiary 
LTD  Valuable Benefits 
Medical - BCBS 
- Continental U.S. including Alaska

Summary of Benefits and Coverage:

BCBS  - Basic Plan 

BCBS - Enhanced Plan 

BCBS 2021 Enrollment Guide

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

Kaiser 2021 Enrollment Guides:

- CO
WA Puget SoundWA Select Counties,              WA Spokane

KP Cards via Mobile App

Let's Stay Healthy Together

Care Away From Home

Away From Home Wallet Card

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

The OptumRx App

2021 Premium Standard Formulary

Clinical Programs

Home Delivery

Managing Diabetes with OptumRx

Smart-Choice  Smart-Choice Accounts 
Smart Choice Mobile App
Vision - EyeMed

Basic Option Benefit Summary
Premier Option Benefit Summary 

Voluntary Benefits

 for 2021
Your 2021 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
Asking for help
Support with life's challenges
Access via Televideo