Welcome To Your
Virtual Benefits Hub
Plan Year: 1/1/2026 - 12/31/2026
This Virtual Benefits Hub was designed to be an interactive, centralized resource for you and your dependents to visit both during open enrollment and throughout the year.
Welcome to your Range USA Benefits
Open Enrollment Announcement!
Great news about your 2026 benefits! While our benefits program costs are rising by 7% in the 2026 plan year for a total of $100,000, Range USA will absorb the entire increase. This means you'll pay the same amount you're paying now - no cost increase for eligible employees. We're proud to invest in our team members who work so hard to make Range USA successful. Thank you for all you do!
Open Enrollment Dates:
November 10th-November 24th
How to Enroll
All team members have access to our online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.
- Accessible 24/7
- View all benefit plan options and your elections
- View important carrier forms and links
- Report a qualifying life event
- Make changes to beneficiary designations and more
The 2026 Benefits Open Enrollment (OE) period is fast approaching! Open Enrollment will take place from Monday, November 10th - Monday, November 24th. During this time, you will have the opportunity to review the benefit offerings, add or remove dependents, and enroll in benefits for the upcoming plan year.
To ensure a smooth enrollment process, we strongly encourage you to take the following steps:
- Log In: Make sure you can successfully log in to the Employee Navigator system using the Company Identifier: RangeUSA
- Verify Dependents: Ensure that all eligible dependents you plan to cover for 2026 are added as “dependents” on your Employee Navigator profile
- Confirm Benefits: Enroll and confirm your benefits for the 2026 plan year.
- Update Beneficiary Information: Verify and update your beneficiary details to ensure your information is accurate.
- Verify Address: Make sure your address is current to prevent any delays in receiving your new ID cards.
Helpful Tips To Consider Before You Enroll
Do you plan to enroll an eligible dependent(s)?
- If so, make sure to have their social security numbers and birthdates available. You cannot enroll your dependent(s) without this information.
Have you recently been married/divorced or had a baby?
- If so, remember to add or remove any dependent(s) and/or update your beneficiary designation.
Did any of your covered children reach their age limit for this year?
- If so, they may no longer be eligible for benefits, unless they meet specific criteria
Eligibility & Qualifying Events
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire calendar year.
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective on the 1st of the month following 30 days from your date of hire. You will receive an email from Employee Navigator to waive or elect your benefits.
DEPENDENT ELIGIBILITY
You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.
You can modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, and loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to Medicare or Medicaid enrollment.
What is a Qualifying Life Event?
• Marriage
• Divorce
• Birth/Adoption of a child
• Death of a spouse or other enrolled dependent
• Change in spouse’s benefits or employment status
• A dependent becomes eligible for Medicare or Medical
Ready to Enroll?
Medical & Prescription
Range USA offers 2 plan options through Anthem.
- PPO Plan $2,500
- HSA Plan $4,000
BOTH the PPO and HDHP HSA options offer the freedom to see any provider when you need care. BOTH plans allow you to receive benefits at the discounted network cost, BOTH plans use the same network with the same discounted costs.
HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses. This plan allows you to deposit pre-tax funds into an HSA savings account. These funds cover the deductible and other health-related expenses to offset the high deductible and out-of-pocket maximum. For more information, please click the link below (Click here for more information on the HSA).
PPO option offers the freedom to see any provider when you need care. Most expenses, such as office visits, emergency room, and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Medical Mutual's contract rate as the final charge and the member is not balanced billed.
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Medical Summary
Prescriptions
TRADITIONAL DRUGS
TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.
TIER 2 | Higher copay: This category includes preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and a higher copay.
TIER 3 | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand. These drugs have the highest copay. Make sure to check for mail order discounts that may be available.
SPECIALTY DRUGS
TIER 4 | Lowest Specialty Drug copay: Tier 4 specialty drugs are generally more effective and less expensive than nonpreferred specialty drugs in tier 5.
WHERE CAN I FIND A DRUG LIST?
Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.
You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.
On a maintenance medication, you take each month?
Use home delivery from Carlon Home Delivery. Your Rx is delivered to your door about eight days after your Rx is received. Delivery is free!
- Online: www.Anthem.com or download the Sydney App
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Prescription Summary
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the medical benefit summaries provided under the Medical & Prescription section above.
RX Summary
A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and:
- your doctor is not available;
- you become ill while traveling;
- When you are considering visiting a hospital emergency room for a non-emergency health condition.
*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.
Examples of Non-Emergency Conditions:
- Bladder infection
- Seasonal flu
- Sinus
- Sore throat
- Stomach
- Rash
- Bronchitis
- Diarrhea
- Fever
- Pink eye
HOW DOES IT WORK?
The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.
Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.
Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.
*Prescription services may not be available in all states.
HOW DO I GET ACCESS?
Learn more about Virtual Visits and access direct links by downloading the Sydney Health App on your phone.
Anthem Services
Interested in the services Anthem has available? This section will review the different services you have at your fingertips through Anthem.
- Sydney Health App
- Virtual Visits through the Sydney Health App
- 24/7 NurseLine
- Anthem ID Card
Did you know?
Anthem has a blog with Member News, Healthy Living, and Health Insurance basic articles. Click on the link below to review!
Download Anthem's Sydney Health App
The SydneySM Health app is a free Anthem Blue Cross Blue Shield app that gives you fast and convenient access to your health insurance information right on your phone. It’s like having a personal health assistant in the palm of your hand.
What Can You Do With Anthem’s Sydney App?
Find A Doctor And Check Your Costs
Search for doctors, hospitals, labs, and other health professionals in your plan. You can search by name, location, and type of care. You can even filter by gender or languages spoken, and then check costs before you go to find what’s best for you.
View Your Claims
Check medical claims with one click. That means you can spend more time focused on your health and less on managing your healthcare benefits.
See All Your Health Coverage Benefits
The Sydney app shows you essential information at a glance. Whether that’s an overview of your plan, health reminders, or suggestions for wellness programs. You also can find your deductible, copay, and share of costs.
View And Use Your Anthem Digital ID Card
You’ll always have your most current Anthem ID card handy. You can use it just like a paper one when you visit the doctor, pay for care, and more.
Use The Chat To Find Answers To Your Questions
Just type your questions in the app and receive the answers you’re looking for. Plus, Anthem’s Sydney app can suggest resources to help you understand your benefits, improve your health, and save money.
How to Find In-Network Doctors
The Find Care tool brings together details about doctors in your plan’s network. You can customize your search by name, location, specialty, or procedure. You also can compare information such as costs, languages spoken, and office hours.* To make sure a care provider is in your plan’s network, view the doctor or facility profile.
When you need care right away, the emergency room (ER) might be the first place that comes to your mind. However, the ER may not be the best choice in every situation. You have options when you have a sudden need for care, and knowing what they are can help you save time and money — and feel better sooner.
How to find the care you need - instructions for employees who are already enrolled:
- Go to www.anthem.com (click the link below) or download the Sydney Health App
- Then, log in to:
- Find a doctor if you don’t have a PCP.
- Have a virtual visit with a doctor using the Sydney Health App
- Find a retail health clinic, urgent care center, or ER.
- Choose the Find Care tab and follow the steps.
How to find the care you need - instructions for employees who are not currently enrolled in the medical:
- Go to www.anthem.com
- Network Blue Access PPO
- Click Basic search as a guest
- Select the type of plan or Network
- Choose Medical Plan or Network (may also include dental, vision or pharmacy benefits) from the drop-down
- Select Ohio
- Select Medical (Employer-Sponsored)
- Select Blue Access PPO and hit continue
- Select the type of plan or Network
- Enter your zip code and your physician's name
- or
- Search by Care Provider
24/7 NurseLine
24/7 NurseLine serves as your first line of defense for unexpected health issues. You can call a trained, registered nurse to decide what to do about a fever, give you allergy relief tips, or advise you where to go for care. A nurse is always available to help answer your questions.
The Anthem Nurseline can help you with:
- finding care from a doctor, hospital, or specialist in your area.
- enroll you in health management programs through Anthem for certain health conditions.
- remind you about scheduling important screenings and exams.
- provide guidance during natural catastrophes and health outbreaks.
- offer links to health-related educational videos or audio topics.
Call the NurseLine today at (800) 337-4770.
What is the health management program?
Get tools and support for managing chronic conditions:
- diabetes
- asthma
- heart disease
Anthem health advocates can help you follow your healthcare plan.
For more information about the program, call Anthem at (866) 962-1071
Anthem ID Card
Your Anthem Blue Cross Blue Shield insurance card contains all the necessary information you need to use your health insurance. Once you sign up for an Anthem plan, you will receive an Anthem ID card. The ID card envelope will not show that it is coming from Anthem. Be on the lookout for a blank white envelope in the mail.
Spending Accounts
You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income.
A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
To be eligible for an HSA, you must be enrolled in a High-Deductible Health Plan (HDHP) or the "HSA" Health plan. Those enrolled in the Preferred Provider "PPO" plan cannot participate in the HSA Savings plan.
UNDERSTANDING YOUR HSA
- Pre-tax contributions are deducted through payroll and deposited into your HSA account
- You can use your HSA available funds to pay for qualified medical expenses tax-free
- HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty
- Unused funds remain in your account for future use and roll over each calendar year
- HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds
- You can change your HSA contribution at any time during the plan year for any reason.
MAINTAINING RECORDS
To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer.
HSA funds may be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty.
Range USA's HSA employer match contributions are direct deposited into your personal HSA savings account on a quarterly basis. These quarterly match contributions are always distributed on the last payroll of the month in March, June, September, and December.
If you are a new employee, rehired employee, or current employee making a mid-year change due to a qualifying life event, you will only be eligible for the employer quarterly match contributions for the remaining quarters in that calendar year.
- As an example, if your benefit eligibility is effective on July 1st, you're only eligible to receive employer match contributions for September and December of that benefit year. If benefit eligibility is effective August 1st, your quarterly employer match contribution would be pro-rated and $83.34 will be deposited on the last payroll on September. If benefit eligibility is effective September 1st, your quarterly employer match contribution would be pro-rated to $41.67 and will be direct deposited on the last payroll in September.
It Is your responsibility to provide the information needed to participate in this benefit.
If you do not have an HSA savings account but wish to enroll in this benefit, contact any bank of your choice that supports HSA savings accounts. Once you've enrolled with your bank and your account is established, you must provide the HSA account and routing numbers to Range USA's Human Resources Department. You can submit this information to the HR department through the ticket dashboard by creating a secure ticket to HR Support or an email to HR@Rangeusa.com. Your bi-weekly HSA contributions will begin on the next payroll processed.
HSA Contribution Limits
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Dental
Dental Benefits through Anthem provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
NETWORK: Anthem
How do I find an In-Network Provider? Use the helpful link below!
- In-Network providers can also be found by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.
Did You Know?
- You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
Pre-treatment Estimate
- If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.
PREVENTION FIRST!
Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.
Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.
Looking for more details about how items are covered? Click on the link below to view the formal plan summary.
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Dental Summary
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided above.
Dental Summary
Vision
Range USA offers vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.
Did You Know?
Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:
- Diabetes
- Heart disease
- High blood pressure
- High cholesterol
- Glaucoma and cataracts
To find out if your provider is in-network, please visit the website below.
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Vision Summary
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided above.
Vision Benefit Summary
Employee Contributions
Pre-Tax Contributions
You share in the cost of your Medical, Dental, and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account or a health savings account, those contributions will be taken out of your pay on a pre-tax basis based on your election.
After-Tax Contributions
If you choose to purchase Supplemental Life insurance and Optional AD&D insurance benefits for yourself or your dependents, your contributions will be taken out of your pay on an after-tax basis. You will be able to see the costs for these benefits in the enrollment system when you log in.
Medical Employee Contributions
Dental Employee Contributions
Vision Employee Contributions
Basic Life and Voluntary Life
Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.
Basic - Employer Paid $10,000 Benefit
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer-provided Basic Life coverage.
Voluntary - Employee Paid Life
Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself. A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer-provided Basic Life coverage. Review the full benefit summary below for additional details.
Employee: $10,000 increments up to 5x your annual salary, to a maximum of $300,000 ($100,000 GI - NEW HIRES ONLY)
Spouse: $5,000 increments up to $150,000 or 50% of what you elect for yourself ($20,000 GI - NEW HIRES ONLY)
Children: $10,000 Benefit, one premium covers all of your eligible children
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The portability provision allows you to continue Voluntary Term Life Insurance upon loss of eligibility or termination of employment in these situations:
- Group policy discontinues the eligibility of a class of employees to which you belong
- You retire
- You are terminated or change jobs
This Policy will port into a Term policy.
You have 30 days from the loss of eligibility date to port your Voluntary Term Life.
Conversion allows you to convert your Voluntary Term Life Insurance to an individual life insurance policy in these situations:
- Employment ends
- You stop being a member of an eligible class of employees
- Dependent loss of eligibility
- The policy terminates
This policy will convert to a Permanent Whole Life policy.
You have 30 days from the loss of eligibility date to convert your Voluntary Term Life.
Beneficiary Designation
Who's Your Beneficiary?
Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Primary Beneficiary: Your primary beneficiary receives your benefits in the event of your death.
Contingent Beneficiary: Your contingent beneficiary receives your benefit, in the event that your primary beneficiary cannot.
*Please make sure your beneficiary information is up to date in Employee Navigator*
*Guaranteed Issue (GI) and Evidence of Insurability (EOI)
When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).
Any amount elected over the GI will require EOI of you do not elect during your New Hire enrollment. If you elect optional life coverage and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
Overview of Short Term Disability
Short Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. Your coverage pays 60% of your income up to a specific maximum in your benefit summary.
STD Benefit Features
- Benefit begins 15th day Accident/ Illness
- Benefit equal to 60% of pay – the benefit is taxable income
- Pre-existing condition limitations apply for the first 12 months
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Disability Summary
Disability Summary
Well-being Hub
In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. We recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support the improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of the team.
To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.
Required Notices
Federal regulations require employers to provide certain notifications and disclosures to all eligible employees. The compliance packet linked is dedicated to those disclosures for your January 1 - December 31 plan year. If you have any questions or concerns please contact your HR Department.
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Contact Us
Range USA
Human Resources
HR@rangeusa.com