Important Notices


Notices and Your Legal Rights-Information regarding your legal rights under HIPPA's privacy laws, children's health insurance program re-authorization act, special enrollment periods, medicare D prescription drug program, COBRA continuation and more.

IL Essential Health Benefits (EHB) Disclosure- for team members in the state of Illinois, these required notices (one for each Ruan medical plan) indicate if a required "essential health benefit" is covered.

Transparency In Coverage- On behalf of Ruan Benefits medical plans, Wellmark Blue Cross Blue Shield and HealthSparq creates and publishes machine-readable files regarding transparency of coverage.  To access these files, click on the title link above.  Note that the file is in Java Script Object Notation format (.json.gz) as required by law.  Team members may wish to use the more user-friendly "Find Costs" tool available through their online account.

Summary Annual Report- Health Plans

Summary of Benefits Coverage (SBC)

Insurance companies and employer based health plans must provide a short, plain-language summary of benefits and coverage to help healthcare consumers make "apples to apples" comparisons among various plans.

Light Medical Basic Medical

Choice Savings Medical Premier Medical

Uniform Glossary of Medical Terms


Summary Plan Description (SPD)

An SPD is a booklet or certificate that describes each plan in greater detail.  It covers eligibility rules, covered benefits, procedures that may be excluded, employee rights and the appeals process.  SPD's for each Ruan plan is available on the employee Hub portal.


Call the Human Resources Hotline at 1-800-845-6675.