2020 Open Enrollment

November 8th - 25th

Remember, not all plans or features roll over year to year.  You must re-elect non-tobacco discounts and flexible spending/health savings accounts each year.  In addition, if you are covering a spouse on your medical plan, you must reconfirm your spouse's non-working status in order to maintain their eligibility.  Failure to do so will result in the cancelation of coverage on January 1.

Enrollment Materials

Summary of 2020 Benefit Plan Changes— A listing of key changes for the 2020 benefits plan year.

2020 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.

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

Helpful Resources

NEW Delta Dental "To Go" Employee Assistance Program

How to Access Wellmark's  Drug List Working Spouse Exclusion

Doctor on Demand Virtual Visit BenXpress Mobile App Information

HSA New Account Application— Fax your initial paperwork to Ruan Benefits at 515-558-3497 or e-mail it to benefits@ruan.com.

Don't forget to check out our extensive list of Frequently Asked Questions (FAQs)!

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.

Open Enrollment and Key Changes

Medical Plan Options Working Spouse Exclusion Rule

Light Medical Plan

Basic Medical Plan Health Savings Accounts

Choice Savings Medical Plan Flexible Spending Accounts

Premier Medical Plan 

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 2020 elections?  Follow the login instructions posted under the "Ready To Enroll" page.



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