2024 Ruan Benefits

Enrollment Materials

Summary of Changes—Key changes for the 2024 plan year.


Benefits enrollment through MyADP is easy!


Need to register with MyADP.com first?  Click Here



Employee Benefits Guide digital flip-book style.

NEW! Voluntary Benefits

Voluntary benefits help you fill in the financial gaps that may come with an unexpected illness or injury.  In the event of a covered condition, these plans provide a lump-sum cash payout that is tax-free.  There are no restrictions on how you use these funds—  use it to pay the added expense of a health plan deductible/co-insurance or to pay for other living expenses such as rent, utilities or groceries.  All voluntary benefits are administered by Voya Financial.  https://presents.voya.com/EBRC/Ruan

Accident Insurance provides a payment based on a schedule of benefits for treatments and health care services that occur due to a non-work related accident or injury.  You are also eligible to receive a $75 wellness benefit just for receiving a qualifying preventive screening.  Details and pricing below!  Summary Plan Description: AI  


Critical Illness Insurance pays a lump sum payment based on a diagnosis of a covered illness such as cancer, heart attack, stroke, Alzheimer's and other conditions.  There is no pre-existing condition, however the date of diagnosis must be while coverage was in effect.  You have the choice of enrolling in a $10,000 level, $20,000 level, or $30,000 level plan, plus you may enroll you eligible spouse (100% benefit) and/or children (50% benefit).  You are also eligible to receive a $75 wellness benefit just for receiving a qualifying preventive screening.   Details and prices below!  Summary Plan Description: CI


Hospital Indemnity Insurance pays a benefit in the event of a hospital stay for a covered illness, injury, procedure or pregnancy.  You receive a benefit for admission to a hospital or critical care unit along with a flat per-day benefit for each day you are confined, up to a maximum of 30 days.  You may choose between a Low plan or a High plan.  Details and prices below!  Summary Plan Description: HI


Ready to make your 2024 elections?  Follow the login instructions posted under the "Ready to Enroll" page.

Helpful Resources

MyHealthMoney— a free, online health benefits support tool.  Answer a few simple questions and let MyHealthMoney compare your Ruan options, calculate estimated costs, and suggest a personalized benefits package.  MyHealthMoney does not provide legal advice but is intended to provide educational guidance. 

Express Scripts Pharmacy—  Ruan's pharmacy benefits is administered by Express Scripts.  Answers to most questions on your pharmacy benefits is available at www.Express-Scripts.com/RuanTransportCorporation.

Working Spouse Exclusion Rule—  A working spouse who is eligible for qualified coverage through their employer may not be enrolled in a Ruan medical plan.  For a full definition of  "working spouse" please view the Working Spouse flyer.



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 Plan

            SBC: Basic Medical Plan

            SBC: Choice Savings Medical Plan 

            SBC: Premier Medical Plan 

            Uniform Glossary of Medical Terms



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