Ruan Benefits Program

Please review the enrollment materials and/or web videos below. Once you've decided on a benefits package, follow the login instructions on the Ready to Enroll page.

Educational Materials

The following educational materials are designed to help you understand the various options available under the Ruan benefits program. You may view/print each document by clicking on the title.

Employee Benefits e-Guide booklet - A digital e-book with an overview of each benefit plan including health plans, pre-tax savings accounts, disability benefits, life insurance, 401(k) retirement plan and more.


Pricing Guide - Premium prices for 2023. If you have a different pay cycle than listed, your payroll deductions will be prorated accordingly.

Health Plan Comparison Charts - A one page, condensed chart of the medical, dental, and vision plans. - Follow this link to find details about your Express Scripts pharmacy benefits program such as locating a National Plus network pharmacy, view the National Preferred drug formulary list, view the Preventive Plus drug list, learn about the administration of Specialty Drugs through Accredo, and more.

Ruan Benefits Video - Watch the entire length video (21:30), OR play a certain section if you are just needing information on a specific plan.  To skip to a topic, simply click on the content title to the left of the video screen. 

2020 Benefits Guide 

Helpful Resources

Register at Express Scripts Website Working Spouse Exclusion

Delta Dental "To Go" flyer Vision Plan Flyer

Doctor on Demand Virtual Visit Wellness Reimbursement Form

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. This tool uses assumptions based on your answers.  MyHealthMoney does not provide legal advice but is intended to provide educational guidance. 

Voya H.S.A. Custodial Agreement (Terms & 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 through your online benefits enrollment.  If you do not agree to their terms and conditions, Voya will not open an H.S.A. account for you. 

Don't forget to check our our extensive list of Frequently Asked Questions!

Ready to make your elections? 

Follow the login instructions posted under the Ready to Enroll page.


Call the Human Resources Hotline at 1-800-845-6675 option 4, or e-mail