RAM, Inc.

Table of Content

  1. Header
  2. Page
    1. Open Enrollment
    2. What's New
    3. Benefits Overview
    4. How To Enroll and Forms
    5. BCBS of Oklahoma
    6. Guardian Life
    7. Hartford Life
    8. Aflac
    9. HSA Bank
    10. Additional Resources
    11. Contact Us
  3. Footer

Open Enrollment

Welcome to your 2024 Benefits Open Enrollment!

Open Enrollment is your opportunity to evaluate your current benefit elections and make changes for the new plan year, beginning January 1.


Open Enrollment paperwork is due to HR by December 15th.

Open Enrollment Instructions

Open Enrollment Instructions

What's New

Medical Benefits

BCBS increased the out-of-pocket max on the Base Plan (Blue Advantage S731ADT). Please refer to your Summary of Benefits & Coverage (SBC) for benefit detail. There will be no other changes for the 2024 plan year.


Your Cost Per Paycheck

Our Medical plans incurred a slight increase, so you’ll see a change to your cost per pay, for these benefits. No other benefit incurred a rate increase; however, you may see an increase to your Voluntary Life, STD and LTD premiums, if you advanced to a new age band, or had a change to your annual salary.

Benefits Overview


As a full-time employee of RAM, Inc., you are eligible for the comprehensive benefits available to you and your family. 


Resources Available

This Benefits Open Enrollment Microsite contains all the necessary benefit summaries and forms required to enroll or make changes to your current elections. Also available are some Health Plan Compliance Notices. Please review these notices to learn about your rights pertaining to your benefits.


Please be sure to:

  • Review your benefits open enrollment guide, which highlights the comprehensive coverage available to you and your family.
  • Refer to your Summaries of Benefits and Coverage, for more benefit details.
Open Enrollment Guide

Highlights the comprehensive coverage available to you and your family.

Open Enrollment Guide

Highlights the comprehensive c ...

How To Enroll and Forms

Action Required

Action Required


For currently enrolled Employees: If you are an active employee and don’t enroll or make any changes to your benefit elections during the Annual Open Enrollment period, your current benefit elections will automatically carry over to the next plan year. This feature is designed to make the enrollment process as easy as possible for employees who want to keep current coverage for another year. Paperwork is only required if making an election change.


For newly benefit eligible Employees: If you are a new hire or become eligible for benefits due to a qualifying event, and do not enroll when you are first eligible, you must wait until the next Annual Open Enrollment period to enroll for the coverage you want and need. Note: late enrollees may be subject to evidence of insurability and may be denied coverage for some benefits. Please complete your enrollment forms and return to HR no later than your 60th day of employment.

Benefits Application & Change Form

Use this form to enroll in your benefits

Benefits Application & Change Form

Use this form to enroll in you ...

Guardian EOI

Evidence of Insurability (EOI) - Voluntary Life

Guardian EOI

Evidence of Insurability (EOI) ...

Hartford EOI

Evidence of Insurability (EOI) - Disability

Hartford EOI

Evidence of Insurability (EOI) ...

Hartford Disability Enrollment Form

Enrollment form for new employees

Hartford Disability Enrollment Form

Enrollment form for new employ ...

BCBS of Oklahoma

Medical Benefits
BCBS Medical Benefits (Base Plan)

Summary of Benefits & Coverage

BCBS Medical Benefits (Base Plan)

Summary of Benefits & Coverage

BCBS Medical Benefits (Buy-up Plan)

Summary of Benefits & Coverage

BCBS Medical Benefits (Buy-up Plan)

Summary of Benefits & Coverage

BCBS Medical Benefits (HSA Qualified Plan)

Summary of Benefits & Coverage

BCBS Medical Benefits (HSA Qualified Plan)

Summary of Benefits & Coverage

Guardian Life

Dental, Vision and Voluntary Life Benefits

Voluntary Life Annual Benefit Increase Option

Members that enroll(ed) during their initial enrollment, can enroll for $10,000 to $50,000 additional coverage, during open enrollment, without having to provide evidence of insurability (not to exceed the GI amount.) 


If you didn't elect the Voluntary Life benefit, when first eligible, and decide to enroll during open enrollment, you will have to provide insurability by completing an Evidence of Insurability (EOI) form. This form can be found in the "How to Enroll" section of this microsite. Underwriting will notify you of approval or denial of coverage.

Dental, Vision, Life Benefits

Summary of Benefits & Coverage

Dental, Vision, Life Benefits

Summary of Benefits & Coverage

Hartford Life

Short-term and Long-term Disability Benefits

If you didn't elect these benefits, when first eligible, and decide to enroll during open enrollment, you will have to provide insurability by completing an Evidence of Insurability form (found in the "How to Enroll" section of this microsite. Underwriting will notify you of approval or denial of coverage.

Hartford Disability Benefits

Short and Long-term Disability

Hartford Disability Benefits

Short and Long-term Disability

Aflac

Accident, Cancer and Critical Illness Policies

Contact your Aflac Representative regarding these benefits. They will answer any questions you may have, and take care of enrolling, changing or cancelling your policies.


Your Aflac Representative is Shane Owen. He can be reached at 405-308-3883 or shane_owen@us.aflac.com.


Visit your Aflac microsite at Aflac : Employee View (aflacenrollment.com).

Aflac Accident

Aflac Accident is designed to provide cash benefits throughout the different stages of care, regardless of the severity ...

Aflac Accident

Aflac Accident is designed to ...

Aflac Cancer

Aflac Cancer Protection Assurance helps cover the innovative cancer treatments with benefits that really care for you as ...

Aflac Cancer

Aflac Cancer Protection Assura ...

Aflac Critical Illness Benefit Rider

Boost Your Protection with the Aflac Plus Rider

Aflac Critical Illness Benefit Rider

Boost Your Protection with the ...

Aflac Rate Schedule

Aflac Rate Schedule

HSA Bank

Fortunately, good health can cost less. Over the long-term, if our health benefits program can help you maintain or improve your health, we all win. That’s why we are excited to offer a Health Savings Account (HSA). An HSA is an example of a consumer-driven health plan that is designed to empower you to take control of your health and the dollars you spend on your care.


An HSA is an account that accumulates funds to cover your health care expenses. It comes with a high-deductible health plan that protects you from large health care expenses. 


If you choose to enroll in the HDHP with Aetna, you will be eligible to set up your HSA and begin contributing. All you have to do is complete an HSA Bank application. This form can be found in the "How to Enroll and Forms" section of this microsite.  


HSA Bank Enrollment Kit

Policy Information

HSA Bank Enrollment Kit

Policy Information

Contact Us

While we are interested and concerned about the health of our employees and their dependents, we have HIPAA Privacy Compliance obligations which limit the information shared with us. NFP is available to assist you with claims issues or any other issues you have concerning our benefits. If you are experiencing a claim issue, please contact Customer Service with the appropriate insurance company, first, to see if you can resolve it on your own. If not, then you need to contact our broker for further assistance. 

Client Contacts

TM

Twilah Monroe

twilah@weallfordlp.com

(918) 423-3121

Account Team Contacts

ContactImage

Danielle Verdin

Account Manager

danielle.verdin@nfp.com

405-513-8941