Introduction
Open Enrollment is your opportunity to evaluate your current benefit elections and make changes for the new plan year, beginning January 1st.
Benefits Overview
As a full-time employee of RAM, Inc., you are eligible for the comprehensive benefits available to you and your family.
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.
- Read the Benefits Compliance notices to learn about your rights pertaining to your benefits.
How To Enroll and Forms
Now is the time for you to review your current coverage and enroll or modify your elections for 2022.
- If you would like to change your existing coverage or make new elections, you must do so by December 13th.
- Your current medical, dental, vision and disability elections will carry forward to 2022 if you don't make a new election.
- Please be sure you update your beneficiary information, if necessary.
- To participate in a Health Savings Account in 2022, you must make an active election, even if you are already participating in 2021.
Aetna
Guardian Life Benefits
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 form (found in the "How to Enroll" section. Underwriting will notify you of approval or denial of coverage.
Hartford Life
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. Underwriting will notify you of approval or denial of coverage.
Aflac
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.
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.
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
Twilah Monroe
twilah@weallfordlp.com
(918) 423-3121
Account Team Contacts
Danielle Verdin
Account Manager
danielle.verdin@nfp.com
(405) 359-0594