Ruan Benefits Program

 Your prescription drug coverage is integrated with your Wellmark medical plan and administered by their pharmacy partner CVS Caremark.  Note that if you are prescribed a specialty medication, you must use the CVS Specialty Pharmacy to have your claim covered by insurance.  For more details, go to www.wellmark.com. 

• View the BlueRx Value Plus formulary list
• Locate a Wellmark Enhanced Rx Network pharmacy. Prior to enrollment, do not login to your myWellmark.com account; next to Rx Pharmacy click on "Find a Pharmacy".
• View the Wellmark Preventive Drug List + Expanded HSA List for use with Ruan's Basic or Choice Savings/Choice Iowa high deductible health plans.
• Mail Order registration instructions

Iowa residents enrolled in the Choice Iowa medical plan will utilize the alternative Wellmark Blue POS (Point of Service) network.  This POS network only apply to those under Choice Iowa; all other medical plans will continue to utilize the Wellmark Blue PPO network.  Most of your questions on this alternative network can be answered on this list of FAQs: Wellmark Blue POS.

Locating a Wellmark Blue POS Network Provider

To see if a provider is part of the Blue POS network go to www.wellmark.com/finder (prior to your enrollment do not login to your personal myWellmark.com portal).  Click on "Individual, Family and Employer" and then next to Provider click on "Find a Provider".  Enter your location via city/state or zip code.  When prompted to enter the 3 letter prefix from your ID card, DO NOT enter this information.  Instead click "Browse List of Plans" just below the boxes.  Select the Wellmark Blue POS link.  From there you may search by provider name, specialty, location or type.

Do I need a Primary Care Physician (PCP)?

While it's not mandatory you designate or exclusively use a Primary Care Physician (PCP) under the Choice Iowa plan, Wellmark's computer system does require one as part of your member profile.  After you enroll, to add this to your myWellmark.com account please follow these instructions.  Your covered spouse and/or children may select their own PCP independently from your personal designation  Note this part of your Wellmark profile can't be left blank, so if you do not name a PCP Wellmark will automatically assign one for you. You are NOT required to use the PCP on file and may still see any provider in the Blue POS network without a referral.

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 for a $75 wellness benefit just for receiving a qualifying preventive screening.

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 have the choice of enrolling in a $10,000, $20,000, or $30,000 level plan, plus you may enroll your eligible spouse (100% benefit) and  children (50% benefit).  You are also eligible for a $75 wellness benefit just for receiving a qualifying preventive screening.

Hospital Indemnity— pays a 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.

How to File a Claim on Your Voluntary Benefit Plan(s)— Claims are file online at www.voya.com/claims.  You may watch this Quick Demo Video (2:36) on the how to submit your online claim.

Freedom From Smoking— Employees or dependents who attest to using tobacco when enrolling in benefits will be charged a higher tobacco rate on their medical premiums.  To help you avoid this added cost, Ruan is offering a free cessation program through the American Lung Association's Freedom From Smoking. This six week interactive, online quit-smoking program provides personalized support and tools to help you quit.

If you or your covered dependent complete the program within 90 days of when coverage starts, Ruan will adjust your medical premiums to the lower non-tobacco rate and refund the difference back to your effective date.  If you complete the program after 90 days, the lower rate will apply going forward, but no retroactive refund will be issued.  To learn more visit www.lung.org/ffs or email the benefits team at benefits@ruan.com.

Doctor On Demand— All Ruan medical plans include virtual visits through Doctor On Demand.  Talk to a qualified, network provider on your schedule, 24 hours a day, 7 days a week.  Note deductibles and/or co-insurance may apply if enrolled in a high deductible health plan such as the Ruan Basic or Choice Savings plans.

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.

Benefits for the Part-Time Team Member— An overview of the eligibility requirements and benefit offerings for part-time employees.

VSP Vision Plan Flyer— ID cards are not issued for the vision plan, so please refer to this handy flyer.  Page two names the VSP Advantage network  along with a summary of plan benefits.              

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 during your online account registration with Voya.  If you do not complete this process and agree to their terms and conditions, Voya will not open an H.S.A. account for you.

Voya H.S.A. How to Add a Beneficiary— As with any bank account, your H.S.A. should have a named beneficiary on file.  This flyer shows how to access your online account and set up your beneficiary designation. 

Life Portability or Conversion— Should you leave the company or otherwise lose benefits eligibility, you may have the option of porting or converting your life insurance with the insurance carrier Prudential.  You will be notified of these options after coverage has been canceled.  Note you must apply for port or conversion within 31 days of loss of coverage.