2021 Benefits Program

Enrollment Materials

Summary of 2021 Benefit Plan Changes— A listing of key changes for the 2021 benefits plan year.

Medical Charts— A condensed, one page overview of Ruan's medical, dental and vision options.

2021 Price List— Premium prices for each benefit option.

Employee Benefits Guide booklet— An overview of each benefit plan including health plans, pre-tax savings accounts, disability benefits, life insurance, 401(k) retirement and more.

Helpful Resources

MyHealthMoney— a free, online benefits support tool.  By answering a few simple questions, MyHealthMoney will compare your Ruan options, calculate estimated costs, and suggest a personalized benefits package.  It will also show how other benefit combinations may affect your costs should you prefer a medical plan with a cheaper premium or one with a higher level of coverage.

This tool uses broad assumptions based on your answers on how frequently you'll use your health care benefits and financial risk tolerances.  MyHealthMoney does not provide legal advice but is intended to provide educational guidance.  You should thoroughly review any suggested plans plus potential costs you may be responsible for such as deductibles, co-pays/co-insurance and out-of-pocket maximums before enrolling.

BenXpress Mobile App Instructions

Voya HSA Rollover Form— Tip: wait until all 2020 HSA payroll contributions have been deposited before initiating your rollover.

Working Spouse Exclusion

Web Videos

To view a presentation simply click on the title.  To hear the audio portion, make sure your computer or mobile device's volume is turned up.  Videos average three to six minutes in length.

Medical Plan Options (5:30) Working Spouse Exclusion Rule (3.23)

Light Medical Plan (2.59) Flexible Spending Accounts (5:24)

Basic Medical Plan (4.34) Health Savings Accounts (3.23)

Choice Savings Medical Plan (4:40) Premier Medical Plan (2:09)

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.

SBC: Light Medical SBC: Choice Savings Medical                        

SBC: Basic Medical SBC: Premier Medical                           

Uniform Glossary of Medical Terms

Ready to make your 2021 elections?  Follow the login instructions posted under the "Ready To Enroll" page.



Call the Human Resources Hotline at 1-800-845-6675 option 4.