What's New?
This past year, we were closely monitoring our medical claims experience due to the growth of our employee population throughout the USA business. We have seen an increase in usage. As we prepare for additional growth in our business, we also need to prepare for the changes it will bring. Turner & Townsend remains committed to providing competitive benefit programs that meet the health, and wellness needs of our employees and their families.
Medical Plan Options for 2026
You have three plan options available to you through United Healthcare: The Premium Plan, the Base Plan, and the High-Deductible Health Plan (HDHP). Each plan provides flexibility to seek care from in-network providers—typically at a lower cost—or from out-of-network providers, where you may incur higher out-of-pocket expenses. When using in-network services and coordinating care through your Primary Care Provider (PCP), you benefit from lower copays and streamlined care. If you choose to access care outside the network, the plans still offer coverage, though at a greater cost to you. The chart below outlines key features and differences across the three plan options to help you make an informed decision.
Kaiser Permanente
The below coverage is available to employees located in California only.
Finding Network Providers
This coverage is in-network only, so you must utilize providers within the Kaiser network. Please use the links below to help locate providers in your area.
Kaiser Permanente
The below coverage is available to employees located in Colorado only.
Finding Network Providers
This coverage is in-network only, so you must utilize providers within the Kaiser network. Please use the link below to help locate providers in your area.
Kaiser Permanente
The below coverage is available to employees located in Washington only.
Finding Network Providers
This coverage is in-network only, so you must utilize providers within the Kaiser network. Please use the link below to help locate providers in your area.
Kaiser Permanente
The below coverage is available to employees located in Hawaii only.
Finding Network Providers
This coverage is in-network only, so you must utilize providers within the Kaiser network. Please use the link below to help locate providers in your area.
UnitedHealthcare Dental Benefits
There are two dental plan options available to you through United Healthcare. While both plans offer orthodontia coverage, the Buy-up plan is the only plan that extends this coverage to adults. The buy-up plan also offers an increased annual maximum and increased cost share for basic and major services.
Please see below for a high-level overview of the benefit coverage. When using the UHC provider lookup, the Dental network is the PPO 30.
UnitedHealthcare
The UHC Dental PPO Plan offers a balance of savings and choice. This plan gives participants the freedom to receive care from participating UHC providers or to visit any dentist of their choice outside of the network. The dental plan is the PPO 30 on the UHC network.
PREVENTION FIRST!
Your dental health is an important part of your overall health. Make sure you take advantage of your prevent ive dental visits. Preventive care services are not subject to the annual deductible, the plan covers 100% of the cost if you visit an in-network provider, and preventive services do not apply toward your annual benefit maximum!
VSP Vision Coverage
There are two vision plans available to you through VSP. The enhanced plan offers an increased frame frequency and allowance, with lower copays.
Please see below for a high-level overview of the benefit coverage.
STD Benefit Highlights
Turner & Townsend provides Short-Term Disability (STD) coverage at no cost to you through The Standard.
How to file leave or disability:
Call the Absence Management Service Center at 866.756.8116 or Login at Report an Absence | The Standard The Absence Management Service Center is available Monday through Friday between 8:00 a.m. and 8:00 p.m. EST.
LTD Benefit Highlight
Turner & Townsend provides Base Long-Term Disability (LTD) insurance through The Standard. This coverage includes a base benefit equal to 40% of your base salary, with the option to elect a voluntary buy-up to 60% of your base salary for an additional cost.
How to file leave or disability
Call the Absence Management Service Center at 866.756.8116 or Login at Report an Absence | The Standard The Absence Management Service Center is available Monday through Friday between 8:00 a.m. and 8:00 p.m. EST.
Basic Life and AD&D
Turner & Townsend provides you with Basic Life insurance in the amount of 1.5 times your annual salary up to a maximum benefit of $1,000,000—at no cost to you through The Standard.
The value of Basic Life insurance coverage in excess of $50,000 is considered imputable taxable income that is reported on your W-2 form at the end of the year. You have the option to limit your life insurance to $50,000 to avoid the imputable taxable income.
Voluntary Life and AD&D
In addition to the Basic Life insurance provided to you by Turner & Townsend, you may purchase supplemental Life insurance for yourself through The Standard. Participation is voluntary, and you pay 100% of the premiums.
Employee Coverage: You can elect coverage in increments of $10,000 up to a maximum benefit of $1,000,000. If you elect coverage above the guaranteed issue of $300,000, Evidence of Insurability will need to be submitted.
Critical Illness
Critical Illness Insurance provides financial support when facing a serious health condition by offering a lump-sum cash benefit directly to you. Even with medical coverage, unexpected expenses such as copays, deductibles, and alternative treatments can add up quickly. This coverage helps ease the financial impact of a major illness, giving you flexibility to use the funds as needed. You can choose from benefit amounts of $10,000, $20,000, or $30,000 depending on your needs.
You can only enroll in this benefit during the open enrollment period or if you experience a Qualifying Life Event (QLE).
Accident Insurance
Accident insurance provides cash benefits for covered injuries—on or off the job. Payments go directly to you, separate from medical insurance, so you can use them for medical bills, household expenses, or other costs. It’s flexible financial support when you need it most.
You can only enroll in this benefit during the open enrollment period or if you experience a Qualifying Life Event (QLE).
Hospital Indemnity
Hospital Indemnity Insurance provides a direct cash benefit to employees who are hospitalized due to a covered illness or injury. These payments are made independently of your medical insurance, giving you the freedom to use the funds however you choose—whether for out-of-pocket medical costs, everyday expenses, or other financial needs during your recovery. This coverage is designed to offer added peace of mind and financial flexibility when facing an unexpected hospital stay.
You can only enroll in this benefit during the open enrollment period or if you experience a Qualifying Life Event (QLE).
MetLife Legal
MetLife Legal Plans give you affordable access to attorneys for a wide range of personal legal matters—from estate planning and real estate to family law and traffic tickets. With no copays or deductibles, you can get expert legal help when you need it most.
Get an idea of what and how MetLife Legal can make it easy to get the legal help you may need through your life. Scan the QR code or visit www.legalplans.com/whyenroll.
For specific questions or detailed information, call the legal services phone number listed on the flyer: 1-800-821-6400.
You can only enroll in this benefit during the open enrollment period or if you experience a Qualifying Life Event (QLE).
Employee Assistance Program (EAP)
Everyone experiences stress and challenges in life from time to time. Whether your concerns are big or small, the Employee Assistance Program (EAP) can help. You and your family members have access to confidential and professional counseling at no cost to you. The EAP can assist you with issues such as those listed below:
This is a confidential, voluntary, and professional program administered and provided by The Standard. It is intended to be a short-term resource for you and your dependents. While we make this program available to employees and their families, Turner & Townsend plays no part in the service and does not have access to The Standard’s records.
You don’t have to handle your problems alone. The EAP can help.
To speak with a specialist call toll-free at 1-877-851-1631 or visit healthadvocate.com/standard6.
The EAP includes unlimited telephonic consultations and up to six face-to-face counseling sessions per issue per year.
Plan Rates
1/1/2026-12/31/2026 Payroll Deductions
The medical, dental, and vision plan premiums are shown in the following charts and reflect your actual payroll deductions. Please remember that premiums for medical, dental, and vision plans are deducted from pay periods annually, on a tax-free basis, which means you do not pay federal, state, or Social Security/Medicare taxes on the premiums. The employee rates represent your cost for medical, dental, and vision coverage. Turner & Townsend pays the remaining cost.
