Free Ancillary Products with RAMHIC Plan

With purchase of a BCBS Health Plan through the cooperative, your eligible employees will also receive the following free benefits courtesy of RAM.  Note that program eligibility varies, please see below Benefit Summaries for details.   

• USAble Hospital Care Plan: provides coverage for employee hospital stays.
  • Hospital Care Claim Form
  • Hospital Care Plan Benefit Summary
• USAble Group Term Life: provides $10,000 life benefit to employees.
  • Beneficiary Designation Form: to be completed by covered employee and retained in personnel file of participating employers.
  • Group Term Life Claim Forms
  • Dignity Planner: a funeral planning service included as part of the Life benefit.  
  • Group Term Life Benefit Summary
• USAble Accident Plan: provides coverage for off-the-job accidents
  • Accident Benefit Summary
• Blue 20/20 Vision:
• Employee Assistance Program from New Directions: provides your employees, and their household members, with confidential access to professional counselors, valuable information and assessment tools designed to assist them with a variety of topics, including anxiety, depression, relationships, substance abuse, domestic violence, child care, eldercare, financial and legal concerns.
  • EAP RESOURCE CENTER provides additional program information, including downloadable handouts designed for employee promotion and education. 
  • 2024 EAP Training Catalog 
  • EAP Programs:
  • Personal Coaching
  • Work/Life Services
  • Financial Services
  • Legal Services
  • Webinars – Live / Recorded   

Health Financial Accounts from Health Equity: pairing a health financial account with your health plan can help you control your company's costs while supporting your employees in managing their health care dollars. 

• Available products include Health Savings Accounts, Health Reimbursement Arrangements, and Flexible Spending Accounts.  
• RAMHIC covers all required administrative fees -- participants are responsible for funding the accounts.   
• Help for Individuals and support for businesses.  Choose the number below that relates to your account or message member services.

Help for Individuals:

Message member services

HSA: 866.346.5800    (24/7/365 support) 

FSA, HRA and Commuter Benefits: 877.924.3967  (24/7/365 support)

Support for Business

Client Services - HSA:  866.382.3510   (Mon-Fri: 6am-6pm MST)

Client Services - Reimbursement Accounts (Excluding HSA):  855.428.0447  (Mon-Fri: 6am-6pm MST)