2027 Open Enrollment

October 30 - November 16

Enrollment Materials

                                                             

While reviewing the 2027 benefits information, please be aware of the following:

  • Along with minor price increases on medical and vision plans, we will return to the traditional 52-week pay cycle.  Weekly paid team members may notice a larger increase due to one fewer pay cycle compared to 2026.
  • Residents in Georgia, Iowa, and Wisconsin will utilize new medical networks in 2027.  Please review the important information below under Attention Georgia, Iowa, and Wisconsin Residents.
  • Ruan offers a free core spouse life benefit of $1,000.  However marital status does not automatically enroll a spouse into this plan; team members must elect this coverage.  If you are legally married and your spouse is not already in a Ruan plan, please make sure you add your spouse's demographic information (or copy it from an existing beneficiary designation) and enroll in the free Core Spouse Life Insurance when completing your 2027 Open Enrollment.

Benefits Enrollment through MyADP is simple!

             

Need to register with MyADP.com first?  Click Here

Wellmark Pharmacy Benefits

Prescription drug coverage is included with your medical election.  Wellmark partners with CVS Caremark for its administration of pharmacy benefits, giving you access to a broad network of local retail pharmacies along with a mail order option.  Note that if you are prescribed a specialty mediation, you must use the CVS Specialty Pharmacy to have your claim covered by insurance.

Attention Georgia, Iowa, and Wisconsin Residents!  New Network Medical Plans

Beginning January 1, 2027 if you reside in Georgia, Iowa, or Wisconsin your medical network will change and it's important to understand which providers are included in your network.

If You Live In GEORGIA

You will transition to the Blue Open Access Point Of Service (POS) network for all in-state services.  When receiving services outside the state of Georgia, you will continue to seek care from the BlueCard PPO (also known as the Wellmark Blue PPO).  You'll receive a new ID card in late December indicating your new 2027 network affiliation- please be sure your providers get this information.  Questions about your new Blue Open Access POS network can be found in this document: FAQs- GA Blue Open Access POS

To locate a Blue Open Access POS provider please visit www.wellmark.com/find-care/providers-and-facilities.  Do not login to your current account; instead scroll down the page and next to Provider click "Find a Provider".  Enter your location, and when prompted for a three letter prefix, use "RUR".  From there you may search by provider name, specialty, location or type.

If You Live In IOWA

All four Ruan medical plans will now utilize the Wellmark Blue Point Of Service (POS) network for all in-state services.  Services outside the state of Iowa are considered out-of-network and therefore subject to a higher deductible, higher out-of-pocket maximum, or may not be covered unless the services are deemed a true emergency.  You'll receive a new ID card in late December indicating your new 2027 network affiliation- please be sure your providers get this information.  Note: dependents living outside the state of Iowa may qualify for a Guest Membership that will allow access to an out-of-network provider through an Indemnity Plan network; requires prior approval by Wellmark.  Questions about the Wellmark Blue POS network can be found in this document: FAQs- IA Wellmark Blue POS

To locate a Wellmark Blue POS provider please visit www.wellmark.com/find-care/providers-and-facilities.  Do not login to your current account; instead scroll down the page and next to Provider click "Find a Provider".  Enter your location, and when prompted for a three letter prefix, use "XQW".  From there you may search by provider name, specialty, location or type.  

If You Live In WISCONSIN

You will transition to the Blue Preferred Point Of Service (POS) network for all in-state services.  When receiving services outside the state of Wisconsin, you will continue to seek care from the BlueCard PPO (also known as the Wellmark Blue PPO).  You'll receive a new ID card in late December indicating your new 2027 network affiliation- please be sure your providers get this information.  Questions about your new Blue Preferred POS network can be found in this document:  FAQs- WI Blue Preferred POS

To locate a Blue Preferred POS provider please visit www.wellmark.com/find-care/providers-and-facilities.  Do not login to your current account; instead scroll down the page and next to Provider click "Find a Provider".  Enter your location, and when prompted for a three letter prefix, use "RUQ".  From there you may search by provider name, specialty, location or type.

 

Voluntary Benefits
Voluntary Benefits help fill in the financial gaps that may come along 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 and can be used any way you want.  All voluntary benefits are administered by Voya Financial. https://presents.voya.com/EBRC/Ruan  Note: Voluntary Benefits do not replace your health or disability plans, but are intended to enhance your coverage by offsetting any out-of-pocket expenses your insurance may not cover.

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 illness or injury.  You are also eligible for a $75 wellness benefit just for receiving a qualifying preventive screening.  For more information please view the Accident Insurance Flyer or watch the Accident Insurance Video (2:10).

Critical Illness 

Pays a lump sum payment based on a diagnosis of a covered illness.  There is no pre-existing condition, however the date of diagnosis must be while coverage was in effect.  You may choose between a $10,000, $20,000, or $30,000 plan level, plus you may enroll your eligible spouse (100% benefits) and children (50% benefit).  You are also eligible for a $75 wellness benefit just for receiving a qualifying preventive screening.  For more details please view the Critical Illness Flyer or watch the Critical Illness Video (2:10).

Hospital Indemnity   

Pays a cash benefit in the event of a hospital stay for a covered illness, injury, procedure or pregnancy.  You receive a flat amount for admission to a hospital or critical care unit along with a 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.  For details, please view the Hospital Indemnity Flyer or watch the Hospital Indemnity Video (2:05). 
Additional Resources

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.

Voya HSA Custodial Agreement (Terms and Conditions)

A Health Savings Account is a bank account owned by the employee.  Like any other financial institution, the account owner must agree to the bank's terms and conditions.  You will notify Voya of your agreement during your initial online account registration with Voya.  If you do not complete this process and agree to their terms and conditions, Voya will not open the HSA account.  View Voya's Custodial Agreement.

Voya HSA Account: How to Add A Beneficiary

As with any bank account, your HSA should have a named beneficiary on file.  This informational sheet shows you how to access your online account and set up your HSA beneficiary designation. 

NEW Free Smoking Cessation Program

Are you or a covered dependent a tobacco user and therefore paying the higher tobacco rate on your medical plan?  To help you avoid this added cost, Ruan is now offering a free smoking cessation program through the American Lung Association.  Freedom From Smoking is a 6 week interactive, online quit smoking course that provides personalized support and tools to help you quit.

If you complete the program by March 31, 2026 Ruan will adjust your medical premium to the lower non-tobacco rate and refund the difference back to January 1.  If completed after March 31, the lower rate will apply going forward but no retroactive refund will be issued.  To learn more about the program, please visit www.lung.org/ffs.  To get the required code/link to participate in the program free of charge, contact the Benefits Department at 800-845-6675 option 4 or email benefits@ruan.com.

VSP Vision Plan Summary

View a quick overview of your enhanced vision benefits for 2026.  Click Here

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

     Light-Georgia     Light-Iowa     Light-Wisconsin     Light-All Other States

SBC: Basic Medical Plan

     Basic-Georgia     Basic-Iowa     Basic-Wisconsin     Basic-All Other States

SBC: Choice Medical Plan

     Choice-Georgia     Choice-Iowa     Choice-Wisconsin     Choice-All Other States

SBC: Premier Medical Plan

     Premier-Georgia     Premier-Iowa     Premier-Wisconsin     Premier-All Other States

Uniform Glossary of Medical Terms 

Ready to make your 2027 elections?  Follow the login instructions posted under the "Ready to Enroll" page.

Questions?  

Call the Human Resources Hotline at 1-800-845-6675 option 4 or email your questions to benefits@ruan.com.