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 20th.
What's New
Medical: BCBS made some changes to our plans. Please refer to your Summary of Benefits & Coverage (SBC) for benefit detail.
Health Spending Account (HSA): The annual maximum amount each participant may contribute to their HSA is increasing to $4,300 for self-only coverage and $8,550 for family coverage for 2025.
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.
How To Enroll and Forms
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 or contributing to an HSA.
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.
BCBS of Oklahoma
Guardian Life
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.
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 of this microsite. 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.
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).
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
405-513-8941