Benefits Guide 2025
Open Enrollment Overview
Open Enrollment is your annual opportunity to review and make benefit elections. Open Enrollment will be held February 15th – 24th.
Unless you experience a qualified life event, you cannot make changes to your benefits until the next Open Enrollment. Your new benefits will be effective March 1, 2025 – February 28, 2026.
Open Enrollment is completed in the TeamOne Employee Portal.
Employees must complete the Tobacco and Spousal Coverage Questions within the Portal as a part of Open Enrollment.
Reminder, MONTHLY Surcharges:
• Tobacco Surcharge: $150 per covered employee/spouse
• Physical Surcharge (for not completing an annual physical exam): $75 per covered employee/spouse
This Benefits Guide contains a summary of the benefits available to all full-time employees and their eligible dependents. Complete plan information can be found on the TeamOne Logistics Employee Portal. If there is any conflict between the summary of benefits included in this Guide and the Plan Document, the Plan Document will govern. TeamOne Logistics reserves the right to interpret and resolve any differences in plan language and the terms of the benefits program can change at any time.
Eligibility & Enrollment
All full-time employees working 30 hours or more per week are eligible for benefits effective on your date of hire.
Eligible Dependents
Your eligible dependents include:
• Your legal spouse*.
• Dependent children up to age 26 regardless of student or employment status (must be able to validate).
• Dependent children over age 26 that are incapable of self- support due to total physical or mental disability (under most benefits outlined).
• If you choose to enroll your spouse/dependent child(ren), you will need to provide:
• Name
• Social Security Number
• Date of Birth
• Address (if different)
*Spousal Coverage: If your spouse is employed and has coverage available at her/his place of employment, he/she will not be eligible to participate in our medical plan. You must complete the Spousal Coverage Section within the TeamOne Logistics Employee Portal if you are electing spousal medical coverage for the upcoming plan year.
Qualifying Life Event
Unless you experience a life-changing qualifying event, you cannot make changes to your benefits until the next Open Enrollment period.
Qualifying events include things like:
• Marriage, divorce or legal separation
• Birth or adoption of a child
• Change in child’s dependent status
• Death of a spouse, child or other qualified dependent
• Loss/Addition of other coverage
• Eligibility change due to relocation
• Qualified Medical Child Support Order
If you experience a qualifying life event during the year, notify Human Resources within 30 DAYS of an event to ensure the desired benefit coverage going forward.
Please note: Not every change in status permits a change in benefits plan elections. The election change must be consistent with the change in status that has occurred.
2025 Benefits Highlights
TeamOne Logistics will continue our partnership with Anthem in 2025.
• Anthem is the administrator for your medical, dental, vision & EAP benefits
• Only those making medical, dental or vision election changes will receive new ID cards in the mail. All Anthem members can access a digital ID card via the Sydney mobile app or Anthem.com
• All employees have access to virtual care via Live Health Online. This care is available even if you are not enrolled in the Anthem medical plans.
• Sydney mobile app or Anthem.com is your one-stop to manage your benefits .
• Anthem is our HSA Administrator. Those electing the HDHP plan for the first time will automatically have an HSA set up. Look for more information mailed to your home address.
• The Hartford is our carrier for supplemental benefits for voluntary life, accident and disability.
TeamOne Benefits Resource Center
Your one stop for all benefit information and resources.
TeamOne is excited to share our new benefits resource center, available year-round for benefit information. Click below or scan the QR code for:
• Benefits Guide
• Benefit plan summaries
• Access to the UKG enrollment portal
• How to find a provider
• Member Services contact information for all benefits
• Pharmacy information including list of covered medications
• Benefit Butler contact information
• And more! https://teamone.learnyourbenefits.com
Anthem
TeamOne Logistics partners with Anthem for Medical, Dental, Vision and EAP. Below are a few useful tips to help you fully utilize the benefits offered by Anthem. In addition to the below, you can also ask questions, search for a provider, manage your prescriptions – all on the Sydney Mobile App!
Medical, Dental, Vision, Pharmacy and HSA Questions
• Call 844-858-1839
• Register* on anthem.com
– Once you’re logged in, choose Customer Support and select Contact Us
– Pick your preferred communication option You will need your Anthem Member ID to register. This number is on your member ID card that will be mailed to your home upon enrollment.
Medical Provider Search
Anthem.com/find-care
• “Basic Search”
• “Medical Plan or Network”
• “Georgia” no matter where you live
• “Medical (Employer-Sponsored)” Network – Blue Open Access POS (Select Network) for residents of Georgia
– National PPO (Blue Card PPO) for non-Georgia residents
Pharmacy Benefits
Pharmacy benefits are provided by Anthem, powered by CarelonRx. Track and manage all of your prescriptions in one convenient place:
• Refill and renew prescriptions
• Find a pharmacy
• Check the cost of medications
To get started, log in to anthem.com, go to My Plans, and then go to Pharmacy
24/7 Nurse Line
Anthem offers members 24/7 access to registered nurses. Simply call 888-724-2583 anytime, day or night, to speak with a medical professional.
How to access your Anthem digital ID cards
Your most up-to-date Anthem ID card is available digitally on the Sydney anthem.com Follow the simple steps below to access ID cards for yourself and any dependents on your plan.
How to View Your Anthem ID Cards:
11. Select ID Card in the top right corner of the homepage.
Login to anthem.com or open the Sydney Health Mobile App.
Select ID Card in the top right corner of the homepage.
2 2. Your ID card will appear. If you have dependents enrolled in your plan, you will see an option to view their card(s) in the top right corner.
Your ID card will appear. If you have dependents enrolled in your plan, you will see an option to view their card(s) in the top right corner. Choose whether you want to print, email, fax, or download your ID card(s).
33. Choose whether you want to print, email, fax, or download your ID card(s).
Note: When you download your card, you can securely access it 24/7, online or offline.
Stay Well – Complete Your Annual Preventive Care Exam
Employees and spouses enrolled in our Anthem medical plans are required to complete an annual physical each year. DOT Physicals DO NOT count toward this requirement. You must complete a routine physical exam that is filed as a claim with Anthem. If you do not complete this requirement, your monthly medical premium will be increased $75 per covered adult (employee/spouse).
2. ID cards for you and any dependents enrolled in your plan will appear. 33. Choose whether you want to print, email, fax, mail, or download your ID card(s).
The Sydney Health Mobile App
A must-have for your medical, dental, vision and EAP.
Use SydneySM Health app to keep track of your health and benefits. Services on the app include:
• Find care and compare costs.
• See what’s covered and check claims.
• View and use digital ID cards.
• Check your plan progress.
Gym Discounts and More!
Anthem offers members discounts on products and services that help promote better health and well-being including gyms and fitness centers.
Go to: anthem.com, choose Care and select Discounts
Featured discounts include:
• Fill prescriptions.
• Connect to Virtual Care
• Chat with Member Services
• Active&Fit Direct – discounted fitness center membership
• Pet Insurance
• Vision care including LASIK
• Hearing care
Scan the QR code to download the Sydney Health app.
You can also set up an account at anthem.com/register to access most of the same features from your computer.
For additional wellness information, see the TeamOne Benefits Resource Center.
Medical Plan Options
Health Savings Account (HSA)
What is a Health Savings Account?
A Health Savings Account (HSA) is an account that can be funded with your tax-exempt dollars to help pay for qualified eligible medical expenses through Wealth Care, Anthem’s Custodial Account.
Who is Eligible for an HSA?
Anyone who is:
• Covered by a High Deductible Health Plan (HDHP);
• Not covered under another medical plan (unless that plan is also HSA-qualified),
• Not enrolled in Medicare benefits; or Not eligible to be claimed on another person’s tax return.
What is a High Deductible Health Plan?
A High Deductible Health Plan (HDHP) is a plan with a minimum annual deductible and a maximum out-ofpocket limit that is determined annually by the Internal Revenue Service (IRS). The HDHP plan that TeamOne is offering for 2025 meets this requirement.
When do I use my HSA?
After visiting a physician, facility, or pharmacy your medical claim will be submitted to your HDHP for payment. Your HSA dollars can be used to pay your outof-pocket expenses (deductibles and coinsurance) billed by the physician, facility, or pharmacy or you can choose to save your HSA dollars for a future medical expense. Be sure to keep your receipts if substantiation is requested.
2025 HSA Contribution Limit
• $4,300 individual
• $8,550 family
• Additional $1,000 for employees 55+ years of age
Why should I elect an HSA?
• Cost Savings
• Tax Benefits
– HSA Contributions are excluded from federal income tax
– Interest earnings are tax-deferred
– Withdrawals for eligible expenses are exempt from federal income tax
– Unused money is held in an interestbearing savings or investment account
• Long-Term Financial Benefits
– Save for future medical expenses
– Funds roll over year to year
– This is your account – you take it with you
• Choice
– You control and manage your health care expenses
– You choose when to use your HSA dollars to pay your health care expenses
– You choose when to save your HSA dollars and pay health care expenses out of pocket
Review your investment options on the Spending Accounts page when you log in at anthem.com or via the mobile app.
Ways to Save on Your Prescriptions
All employees, whether you are enrolled in the Anthem medical plans offered by TeamOne Logistics, have options to help you with your medical care cost, specifically for prescriptions.
Generic vs. Brand Name
Generic drugs are less expensive and can be just as effective as brand name which will lower your out-of-pocket cost.
Discount Cards
GoodRx, BlinkHealth and WellRx provide discount prescription cards – most are free and provide discounts or coupons to help lower costs. Visit the company websites to sign up and get your discount card.
CostPlus Drug Company
CostPlus Drug Company is another alternative way to purchase medications. Joining is free and medications are mailed to your home but do require a written prescription from your provider.
Manufacturer Coupons
When a high-cost brand or specialty drug is your only option:
Step 1: Go to the manufacturer website.
Step 2: Search the drug name itself.
Step 3: Print the coupon.
Step 4: Take to the pharmacy to apply to your prescription.
Mail Order Pharmacy
If you have medical insurance and take a maintenance medication, check out the mail order pharmacy benefit for convenience and possible savings.
Health Savings Account (HSA)
You may use HSA dollars for the cost of your medication when also using one of these services.
LiveHealth Online
All employees, regardless of whether you are enrolled in the Anthem medical plans offered by TeamOne Logistics, have options for virtual care through Anthem’s LiveHealth Online.
Employees Enrolled in a TeamOne Anthem Medical Plan
Employees enrolled in one of the Anthem medical plans have options for Virtual Care: LiveHealth Online and via Sydney Health app.
Virtual Visits from online provider LiveHealth Online for urgent and acute medical, mental health and substance abuse care.
Cost: $0 copay per visit, deductible does not apply.
(Note: For those covered under the HSA Plan – there is a $0 Copay AFTER the plan deductible is met) Get started at: livehealthonline.com
Employees NOT Enrolled in a TeamOne Anthem Medical Plan
Virtual Visits from online provider LiveHealth Online for urgent and acute medical, therapy, psychiatry and allergy care.
• Free to sign up
• No monthly fees
• $55 or less per visit
Cost: The cost for an online urgent care doctor visit is just $55. For all types of visits, you will always see what you owe before you begin a visit. The cost is the same even on nights, weekends, or holidays. Get started at: livehealthonline.com or via the free LiveHealth Online app
Two dental plans options from Anthem
Dental Provider Network Search:
Before enrolling,
• Anthem.com/find-care
Select “Dental”
• Select “Georgia” no matter where you live
• Network: Dental Complete
Once enrolled:
Anthem.com or Sydney Health mobile app
Vision Benefits
Vision plan from Anthem
Vision Provider Network Search:
Before enrolling,
• Anthem.com/find-care
• Select “Vision”
• Select “Georgia” no matter where you live
• Network: Blue View Vision
Once enrolled:
Anthem.com or Sydney Health mobile app
Life Insurance
Basic Life Insurance
$30,000 in Basic Life Insurance provided by TeamOne to all full-time employees.
$30,000 Matching Accidental Death & Dismemberment (AD&D) Insurance benefit is also provided at no cost.
The Hartford administers our life and AD&D benefit.
Voluntary Life Insurance
Employees may purchase voluntary coverage for yourself, your spouse and/or your dependent child(ren), paying the full cost of coverage through payroll deductions.
Life Benefit
Employee
Spouse
Child
$10,000 or incremenets to lesser of 5 times your annual earnings or $500,000 Up to $100,000 if enrolled timely when newly elgibilble
$5,000 increments to $250,000, not to exceed 50% of the Supplemental Employee Life election
$2,000 per child aged 15 days to 19 years; coverage terminates at age 19 unless child is a fulltime student, in which case coverage will terminate at age 23
Evidence of Insurability (EOI)
A medical questionnaire and insurance carrier approval may be required depending upon the election amount (you or a spouse) and timing of your election.
• If you enroll within 31 days of your first day of eligibility – you are not required to provide EOI for the Guaranteed Issue Amount.
• If you first enroll outside this period, add or increase coverage during Open Enrollment or elect an amount more than the Guaranteed Issue Amount – you are required to complete the application process. Your coverage is not effective until the Hartford has reviewed and approved.
Effective Date
The insurance company must approve your application and will determine your coverage effective date.
Up to $50,000 if enrolled timely when newly elgiible
$2,000
Beneficiary Information
Remember to review and update your life beneficiary information. Update this information throughout the year in the event of any life change such as a birth, death, divorce, etc.
Disability Benefits
TeamOne Logistics full-time employees have the option to enroll in voluntary short and long-term disability income benefits. This benefit is paid by the employee. Note: You are not eligible to receive short-term disability benefits if you are receiving workers’ compensation benefits.
Please note, these plans are a voluntary benefit, meaning the employee is responsible for the full cost. Complete details, including cost, can be found on TeamOne Logistics Employee Portal.
Lesser of 60% of your weekly earnings to $1,200; You choose $50 increments beginning at $100. 60% of monthly salary, up to $10,000/month
Rate Choose your benefit amount and the rate is calculated in the Employee Portal
Value Added Benefits
Rate has be to manually calculated. Instructions to determine your benefit rate is in the Benefits Resource Center on the Disability Benefit page.
TeamOne Logistics employees have access to additional benefits and programs through The Hartford. These plans do not require enrollment and are offered at no additional cost. More information on these programs can be found on the TeamOne Benefits Resource Center.
Travel Assist
Identity Theft Assistance when traveling more than 100 miles from home and for 90-days or less. 800-243-6108 (US and Canada); 202-828-5885 (outside of US) or assist@imglobal.com
Ability Assist
Counseling from master’s level clinicians for those with a disability. 800-964-3577 or guidanceresources.com (Code: HLF902 Name: ABILI)
Beneficiary Assist
Counseling for times of loss. 800-411-7239
Funeral Planning and Concierge Service
Provides support for planning services in time of loss. 866-854-5429 or everestfuneral.com/Hartford (Code: HFEVLC)
EstateGuidance Will Service
Create a simple will from the convenience of your home. estateguidance.com (Code: WILLHLF)
Supplemental Benefits
Critical Illness Insurance
Voluntary Critical Illness Insurance provides an added layer of protection that you need and want when you are diagnosed with a critical illness. You can decide how to use the benefits to best support recovery for you and your family.
Covered critical Illnesses include Heart Attack, Cancer, Stroke, Renal Failure, Major Organ Transplant, Paralysis, Alzheimer’s, ALS, Loss of vision/speech/hearing, Benign Brain Tumor and more.
Benefit: Lump sum cash benefit of your choosing at diagnosis of a covered critical illness. You may select a $10,000, $20,000 or $30,000 benefit for yourself, 100% of your elected benefit for your spouse and children are covered for 50% of your benefit.
Accident Insurance
Voluntary Accident Insurance protects you from the unexpected. This benefit offers 24-hour coverage for injuries due to an accident and provides a cash benefit in one lump sum.
Benefit: Coverage includes a $1,500 hospital admittance benefit for accidents as well as $400 daily hospital benefit, doctor and emergency room visits, injuries, therapy, testing, and much more. An AD&D benefit is also included. You may cover yourself, spouse and children.
Health Screening Benefit
If you are enrolled in the Critical Illness Plan, or Accident Plans, you and your covered spouse can each earn a health screening benefit when you get preventive tests like mammograms, colonoscopies, or fasting blood glucose tests.
Accident Insurance: $100 Critical Illness: $50
You must file a claim with Hartford to receive this benefit. Instructions are in the Benefits Resource Center/Supplemental Benefits page.
Legal Plan – CDL Defender
TeamOne Logistics employees can enroll in a legal plan through U.S. Legal.
Access to 3,000 attorneys experienced in traffic law
• Benefit pays U.S. Legal will pay 100% of your attorney’s fees for all covered services
• Covered services include moving violations, representation in major accident case, personal legal consultation matters and more.
Family Defender
Employees may also enroll in a Family Legal Plan through U.S. Legal. With Family Defender you are covered for virtually all of your personal legal needs. It’s like having your own “Attorney on Retainer” 24 hours a day, 7 days a week.
Employee Assistance
All employees and their family members have access to Anthem’s EAP.
• Provided at no cost
• Confidential - information will never be shared with TeamOne Logistics Human Resources
Anthem EAP representative will:
• Talk to you about your therapy options, including video visits through LiveHealth Online.
• Provide a coupon code you can use to access the sessions provided by your EAP.
Commonly treated conditions:
• Anxiety
• Stress
• Depression
• Relationship troubles
• Parenting issues
• Grief
• Coping with illness
• Post-traumatic stress disorder
If you’re covered on one of the Anthem medical plans, you also have emotional well-being resources via Sydney Health app, including:
Personalized, one-on-one coaching
• Team up with an experienced coach who can provide support and encouragement by email, text or phone.
Build a support team
• Add friends or family members as “Teammates.” They can help you stay motivated and accountable while you work through programs.
Practice mindfulness on the go
• Receive weekly text messages filled with positivity, quick tips and exercises to improve your mood.
Live and on-demand webinars
• Learn how to improve mental well-being with useful tips and advice from experts.
Our team at TeamOne Logistics is made up of caring and generous people, always willing to go the extra mile.
That’s why TeamOne Logistics is partnering with Uncommon Giving to help us #AwakenGenerosity by assisting in collecting donations company-wide and presenting quarterly contributions to our chosen charity. Making donations will be easy with payroll deductions, and these gifts are tax-deductible (talk to your tax advisor about how to do that). Check your email for instructions to set up payroll deductions to Uncommon Giving.
Financial Benefits
Retirement Savings - 401(K)
A 401(k) is an investment tool with tax advantages. As a participant, your taxable income is reduced by the amount you contribute. This means you do not pay income tax on the earnings in the account (such as interest) until you start making withdrawals, typically at retirement. Employees may contribute a percentage of your salary up to the annual limit set by the IRS.
TeamOne Logistics 401(k) Retirement Plan is administered through Fidelity. If you have met eligibility requirements, you can go online to either view your account or enroll at www.netbenefits.com
2025 401(k) Contribution Limit
• $23,500
• Additional $7,500 for employees 50+ years of age
• Additional $11,250 for employees age 60-63
TeamOne Logistics does not provide financial advice regarding your retirement; we do, however, recommend that you seek the advice of a professional advisor of your choice. You may also speak with the authorized financial advisors associated with the plan including Mark Manderson, contact information below.
Mark Manderson
Southeast Region Marsh McLennan Agency 770-274-0439
Mark.Manderson@MarshMMA.com
Enrollment Instructions
All Employees must complete online enrollment by February 24th. To get started, go to our TeamOne Logistics Employee Portal and and scroll down on the left side of the page and click on Open Enrollment.
You will be provided with a quick enrollment method should you indicate that you do not want to make changes and will keep your current elections for the new plan year. Once you have chosen that option you will be taken to your Benefit Confirmation Screen. Once you receive your benefits confirmation screen you are finished with your enrollment. If you wish to make changes the system will prompt you to the next screen to begin the normal enrollment process.
If you need to make changes or enroll in benefits for the first time, follow the steps below:
Enter Open Enrollment Information
Navigation: Menu > Myself > Open Enrollment
1. From the About Open Enrollment page, review the Open Enrollment session information.
2. Select Next. The Verify Beneficiary Information page appears.
Verify Beneficiaries and Dependents
1. Review the summary information to ensure it is accurate.
2. Update information by completing one of the following using the Add/Change contact page.
• Select the Name link and then select Edit to update existing beneficiary or dependent information. To add a beneficiary or dependent, select Add.
3. Select Save and Next
Enroll in a Plan
Navigation: Menu > Myself > Open Enrollment
1. Select or decline each plan.
2. Depending on how the plans are configured, additional fields may appear.
3. Select the dependents to be enrolled in the plan.
4. Confirm or enter each dependent’s Social Security Number, date of birth, and gender. Then, select Next
Review and Submit Elections
1. Review the election information on the Confirm Your Changes page.
2. Hit the Submit button on the top right corner of the screen to complete your elections.
3. Select Ok and the Confirmation page will appear. Be sure to print a summary of your elections.
You must hit Submit and Ok for your enrollment to be complete!
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Benefit Contacts
The Benefit Butler™
The Benefit Butler™ provides confidential assistance for your benefits related issues via phone or email. This service is staffed by benefits experts and the service is included in your benefits package at no additional charge!