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.   Click here for informational video.

• 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
  • Accident Claim Form 
• Blue 20/20 Vision:
• Employee Assistance Program by Lucet provides your employees, and their household members, with confidential online access to professional counselors and life coaches, as well as valuable information and assessment tools designed to assist them with a variety of topics, including work life balance, anxiety, depression, relationships, substance abuse, domestic violence, child care, eldercare, financial and legal concerns.
  • Click here to learn more about Lucet offerings
  • EAP Wallet Card for Employees 

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. Click here to watch an informational webinar on the benefits of health financial accounts. 

• 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.   
• Frequently Asked Questions 
• How does an HSA work?
• What exactly is an FSA?
• Can you explain this HRA thing?
• 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)