Table of Content
- Header
-
Your 2026 Benefits
- Open Enrollment
- How to Enroll
- Eligibility & Qualifying Life Events (QLE)
- Compliance
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Medical & Rx
- Summary of Benefits and Coverage (SBC)
- Prescriptions
- Virtual Visits
- CVS Virtual Visits - Teladoc
- Blue Cross Blue Shield of Oklahoma Resources
- Anthem Resources
- UnitedHealthcare Resources
- Cigna Resources
- AETNA Medical
- Aetna Health Benefits and Perks for Employees
- Healthee App
- Tuned Health
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Accident, Cancer, Critical Illness and Hospital Indemnity
- MetLife Benefit Summaries
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Dental
- Dental Overview
- Dental Benefit Summary
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Vision
- Vision Overview
- Vision Benefit Summary
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Basic Life and Voluntary Life
- Basic Life & Voluntary Life Summaries
- MetLife Extras
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Disability
- MetLife Extras
-
Page
- Open Enrollment Window: November 21st - December 21st
- How To Enroll
- Benefits Overview
- Medical
- Dental
- Vision
- Life & AD&D
- Disability
- American Benefits Group (ABG)
- Cancer Policy
- Enrollment Forms
- Helpful Benefit Videos
- Contact Us
- Footer
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
QUALIFYING EVENTS
A Qualifying Life Event or QLE, is a significant change in a person's life that allows them to make changes to their health insurance outside of the regular open enrollment period. Examples of qualifying life events include marriage, divorce, the birth of a child, loss of health coverage, and a change in employment status.
Ready to enroll?
Benefits enrollment is managed through Employee Navigator, please check your email for a link to access the portal. If you have any questions, please contact Stephanie in Human Resources.
When Does My Coverage Start?
If you are a New Hire, you are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.
Open enrollment, your coverage is effective January 1st, 2026.
What is a Qualifying 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
Who are my legal dependents?
- Your legal spouse
- Your children (up to age 26) including natural children, stepchildren, legally adopted children,
children placed for adoption, children for whom you serve as legal guardian
- Disabled dependent child(ren) of any age
Virtual Visits
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. Virtual visit costs vary based on the medical plan you choose. Virtual visits with MD Live have a $0 copay for Medical and Behavorial Health. Register for your MD Live account promptly to verify your benefits before your first use. Otherwise, you or your dependents will incur a reimbursable copay on the first visit.
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
Virtual visits with licensed behavioral health therapists are available by appointment. Get virtual care for:
- Depression
- Eating Disorders
- ADHD
- Substance use disorders
- Trauma and PTSD
- Autism spectrum disorder
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 benefits.
- Please note Medical and Pharmacy benefits are not covered as part of your Virtual Visit benefit, and you may still have a copay due at the time of service or when picking up a prescription from the pharmacy. *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 MDLIVE App on your phone or utilizing the options below.
- Go to Blue Access for Members at www.bcbsok.com or MDLIVE.com/bcbsok
- Call MDLIVE at 888-970-4081
- Text BCBSOK to 635-483 (MDLIVE’s online assistant Sophie will help you activate your account.)
Blue Cross Blue Shield of Oklahoma Resources
My Health Coverage: Access your BCBSOK information 24 hours a day, 7 days a week.
BCBSOK, a secure website specifically for Blue Cross Blue Shield of OK members, makes it easy and convenient to manage your coverage and health online.
- Search for in-network doctors, hospitals, and facilities. For example, a less expensive MRI location
- View Your EOB (Explanation of Benefits)
- View plan documents
- Members outside of Oklahoma should visit www.bcbsok.com website to find a provider or call the member services number on the back of their card, and member services will help you search for in-network providers based on your current location.
- And much more!
Blue Access for Members App or (BAM app)
With the Mobile App, you can get access to vital information when you are away from a computer. You can Track Claims and Spending Information, Estimate Costs, Find a Provider, and Access your Member ID Card. Download the BCBSOK app in the Apple App Store or Google Play.
Chronic Management Program
If you suffer from one of the conditions below, this program may be right for you:
- Asthma
- Heart Failure
- COPD
- Diabetes
- Hypertension
Call (800) 942-5837 to learn more or enroll in the Chronic Management Program.
Tuned Health
EMPLOYER PAID BENEFIT
Introducing Tuned, Your New Hearing Benefit
As part of our commitment to your health and welfare, Rudy is excited to announce a great new addition to our employee benefits package — Tuned, a groundbreaking program for your hearing health.
Hearing is communication and is essential for our wellbeing. It’s a significant contributing factor to our overall health and long-term cognition. Yet most hearing health benefits start and end with discounted hearing aids, when hearing loss has already occurred.
Tuned offers an online screening and telehealth visit, plus education and strategies focused on conserving your hearing and preventing loss, with solutions for things like tinnitus (ringing or buzzing in your ears), auditory processing disorder, mild to moderate hearing loss and a myriad of other conditions. The Tuned platform provides you access to more than 200 licensed audiologists who will discuss your results with you and recommend FDA-approved devices or apps personally tailored to your needs.
Best, Tuned is available to you and your family with no copay or additional costs — including for any hardware and software solutions. All you need is a computer or mobile device with internet access and a pair of headphones or earbuds. It’s that simple.
We’ll be sending you an email with more information to get started. You can also learn more about the Tuned benefit at their website.
Hear us out:
If you’re not protecting your hearing, you’re losing it.
It’s always better to prevent hearing problems than deal with them later — and an annual checkup is the best way to keep your hearing healthy. Tuned audiologists can provide advice and recommend apps and devices to help safeguard your hearing.
Here’s What You Get With Your New Hearing Benefit:
- Preventive Care, an annual online hearing screening and consultation with top tier audiologists
- The most clinically validated hearing screener in the world
- Two additional virtual visits, annually with your Tuned audiologist
- Tinnitus Management
- Auditory Processing Disorder Care
- Listening Fatigue Counseling
- Pediatric Support
- Traditional Hearing Loss Care and Device Options
- $1000 every 3 years towards OTC hearing products $5000 every 3 years towards hearing aids
Ready to tune into a better life? Join the community of people who have transformed their lives through better hearing, visit tunedcare.com and start your consult today!
Accident, Cancer, Critical Illness and Hospital Indemnity
ACCIDENT
A serious injury can cost you a lot of money – not only in medical bills but in things like income from lost work hours. Some injuries are minor, but others are debilitating and require significant medical care. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs. Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.
Who Gets Paid? You get paid!
- When you are paid a benefit from Accident Insurance, your health insurance company pays your doctor or hospital, but your Guardian Accident insurance pays you.
- You can use the money however you want.
Examples of what's covered...
- Accidental Death coverage for Employee, Spouse and Child
- Ambulance
- Concussions
- Hospital Admission
CANCER INSURANCE
Receiving a diagnosis of cancer or a specified disease can be difficult on anyone, both emotionally and financially. Having the right coverage to help when undergoing treatments is important. Cancer coverage can help provide added financial support when its needed most.
Cancer Insurance from Allstate Benefits pays cash benefits for cancer care and other specified diseases to help with the costs associated with treatments and expenses as they happen.
What's covered?
- Cancer initial diagnosis level benefit - Pays a one-time benefit if diagnosed for the first time with cancer (except skin cancer)
- Cancer conditions, such as Breast Cancer and Skin Cancer
- Radiation and Chemotherapy Benefits, Cancer related Hospital Confinement, Surgery, Lodging and Transportation Benefits.
- 20 Specified Diseases such as Muscular Dystrophy, Poliomyelitis, Multiple Sclerosis, Encephalitis, Rabies, Tetanus, Typhoid Fever, Bubonic Plague, Tuberculosis, Osteomyelitis, Diphtheria, Scarlet Fever, Epidemic Cerebrospinal Meningitis, Undulant Fever, Sickle Cell Anemia, Rocky Mountain Spotted Fever, Smallpox, Addison's Disease, Hansen's Disease, Tularemia.
CRITICAL ILLNESS INSURANCE
Critical Illness Insurance can pay money directly to you when you are diagnosed with certain serious illnesses.
Pre-Existing Condition Limitation: Benefits for a pre-existing condition (defined as a sickness or injury, or symptoms of one, whether diagnosed or not, for which you received medical treatment, consultation, care or services, including diagnostic measures, took prescribed drugs or medicine, or had been prescribed medicine or drugs to be taken in the 12 months prior to your effective date) will not be paid during the first 12 months the policy is inforce.
What's covered?
- Critical Illness such as Heart Attack, Stroke and End-Stage Kidney Failure, Major Organ Failure
- Cancer conditions, such as invasive cancer, breast cancer, skin cancer
- Progressive disease such as Advanced Alzheimer's, Advanced ALS/Lou Gehrig's Disease, and Advanced Parkinson's disease
- Childhood Conditions such as Cystic Fibrosis, Down Syndrome, Type 1 Diabetes Mellitus, Cleft Lip/Palate and others
HOSPITAL INDEMNITY INSURANCE
Hospital indemnity insurance can cover some of the cost associated with a hospital stay, letting you focus on recovery. Being hospitalized for illness or injury can happen to anyone, at any time. While medical insurance may cover hospital bills, it may not cover all the cost associated with a hospital stay.
What Does it Cover?
- If you are admitted to a hospital for a covered sickness or injury, you'll receive payments that can be used to cover all sorts of costs, including deductibles and co-pays, travel to and from the hospital for treatment, childcare service assistance while recovering, and much more.
Who Gets Paid? You get paid!
- Hospital indemnity insurance is portable, and payments are made directly to you- even if you didn't incur any out-of-pocket expenses. You can use the money however you want.
WELLNESS BENEFIT
When you enroll in Accident, Critical Illness, or Hospital Indemnity Insurance you can earn $50 just by getting an annual physical or covered preventive test.
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 Life
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.
- Class 1: All Full-Time Employees $15,000
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 a maximum of $500,000 ($100,000 GI)
Spouse: $5,000 increments up to $250,000 or 50% of what you elect for yourself ($25,000 GI)
Children: Birth to 6 months: $100; 6 months to 26 years: $1,000, $2,000, $4,000, $5,000 or $10,000. One premium covers all eligible dependent children ($10,000 GI - per covered child)
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.
*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). Annually, you are able to increase elections in $10,000 up to $100,000, not to exceed the GI amount with proof of EOI.
Any amount elected over the GI will require EOI. 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 or children will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
Disability
EMPLOYER PAID BENEFITS
SHORT TERM DISABILITY (STD)
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.
ELIGIBILITY
Class 1 - All Active and Full-Time Employees
Class 2 - All Directors and Supervisors
STD BENEFIT FEATURES:
- Benefit begins 15th day Injury or Illness (including pregnancy), 11 weeks max duration.
- Benefit equal to 60% of pay, $1,000 max per week (Class 1) – benefit is taxable income; please consult with your tax advisor.
- Benefit equal to 60% of pay, $1,500 max per week (Class 2) – benefit is taxable income; please consult with your tax advisor.
- Pre-existing condition limitations apply, 3-month look-back period and 12 months forward.
LONG TERM DISABILITY (LTD)
Insurance through MetLife can pay you a weekly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover.
ELIGIBILITY
All Active and Full-Time Employees
LTD BENEFIT FEATURES:
- Benefit begins after 90-day elimination period if you remain disabled.
- Benefit equal to 60% of pay, up to $10,000 max per month – benefit is taxable income; please consult with your tax advisor.
- Duration of Benefit: To Social Security Retirement Age (based on physician care and treatment)
- Pre-existing condition limitations apply, 12-month look-back period and 12 months forward.
Contact Us
Client Contacts
Stephanie Erickson
serickson@rudycc.com
(405) 478-9900
Account Team Contacts
Carrie Cox
Managing Consultant
carrie.cox@nfp.com
405-513-8958