RAM, Inc.

Table of Content

  1. Header
  2. Page
    1. Introduction
    2. What's New for 2021!
    3. Benefits Overview
    4. How To Enroll and Forms
    5. Aetna
    6. Guardian Life Benefits
    7. Hartford Life
    8. Aflac
    9. HSA Bank
    10. Additional Resources
    11. Contact Us
  3. Footer

Introduction

Welcome to your 2022 Benefits Open Enrollment!

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.
Open Enrollment Instructions

Please review, so you'll know what is required for this Open Enrollment.

Open Enrollment Instructions

Please review, so you'll know ...

Open Enrollment Guide

This booklet is to help you understand the benefits that are being offered to you.

Open Enrollment Guide

This booklet is to help you un ...

Benefits Notice Packet

Please review these notices to learn about your rights pertaining to your benefits.

Benefits Notice Packet

Please review these notices to ...

How To Enroll and Forms

Action Required

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. 
Benefits Application & Change Form

Benefits Application & Change Form

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) ...

Aetna

Medical Benefits
Aetna Medical Benefits

Base Plan

Aetna Medical Benefits

Base Plan

Aetna Medical Benefits

Buy-up (Insure Oklahoma) Plan

Aetna Medical Benefits

Buy-up (Insure Oklahoma) Plan

Aetna Medical Benefits

HSA Qualified Plan

Aetna Medical Benefits

HSA Qualified Plan

Guardian Life Benefits

Dental, Vision and Voluntary 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.

Guardian Benefits

Dental, Vision and Voluntary Life

Guardian Benefits

Dental, Vision and Voluntary L ...

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. 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.

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

HSA Bank Enrollment Kit

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) 359-0594