On-the-road healthcare, anytime, anywhere. Your concierge care team finds providers near home or nationwide and even books appointments for you. This plan works a little differently than traditional insurance — and that's what makes it better.
How to use your insurance: after enrolling, watch for a welcome text from 480-448-2068, then:
More help: Redirect Health FAQs • Submit an ExtraHelp — use ExtraHelp if a claim is taking too long or you get a bill that doesn't look right.
Carrier: Redirect Health • See all Redirect Health documents
New this year: dental moves to Humana with two plan choices and one of the nation's largest networks — over 135,000 dentists. The High Plan now has no annual maximum — up from the $5,000 annual cap on the previous high plan — so it keeps paying no matter how much dental work you need.
Carrier: Humana • MyHumana portal & mobile app • See all dental documents
New this year: vision moves to Humana with two plan levels and 175,000+ access points — independent, retail, and online options — with average savings of 80% off retail.
Carrier: Humana • Find a provider through MyHumana • See all vision documents
New this year: both short-term (previously Assurity) and long-term (previously Mutual of Omaha) move to Humana — one carrier protecting your paycheck from week one through long-term recovery.
Carrier: Humana • Contact your enrollment team before filing a claim • See all disability documents
You have two life insurance options this year — choose one or layer both to build the protection that fits your family.
Voluntary Term Life & AD&D — Humana
New this year: your term life with Accidental Death & Dismemberment moves from Mutual of Omaha to Humana, covering you, your spouse, and your children.
Permanent Lifetime — Chubb
Affordable, guaranteed permanent life insurance that can last to age 121, with cash paid directly to your family — and benefits you can even use while living for long-term care.
Carriers: Humana (term) & Chubb (lifetime) • Lifetime plan details (PDF) • See all life insurance documents
Accidents happen — on the job, at home, or on the road. Chubb Accident pays cash benefits directly to you to help with the out-of-pocket costs your medical plan doesn't cover. Two plan levels to choose from.
Carrier: Chubb • Full plan details (PDF) • See all Chubb documents
A serious diagnosis brings unexpected costs. Chubb Critical Illness pays a lump-sum cash benefit directly to you on diagnosis of a covered condition — to use however you need.
Carrier: Chubb • Full plan details (PDF) • See all Chubb documents
A hospital stay can bring big out-of-pocket costs, even with good medical coverage. Chubb Hospital Indemnity pays cash benefits directly to you to help — regardless of any other insurance you have. Three plan levels to choose from.
Note: in some states, you must have underlying medical coverage to enroll — see the plan documents for details.
Carrier: Chubb • Full plan details (PDF) • See all Chubb documents
Offered through Chubb and powered by Kadance, Advantage DNA is a proactive, personalized program that unlocks the power of your DNA — services most major medical plans don't cover, and very few employers offer. You don't have to wait for a diagnosis to benefit.
Two valuable services on day one:
If you're ever diagnosed with a covered cancer, you gain access to:
Cash benefits, paid directly to you — use them however you choose, in full and regardless of any other insurance:
Guaranteed issue • automatic renewal • employee & spouse coverage • portable. Your genetic results stay private — shared only with your physician, genetic counselor, and testing lab. Requires underlying medical coverage in some states; see brochure for eligibility.
Carrier: Chubb, powered by Kadance • Full plan details (PDF) • See all Chubb documents
Life happens, and when it does, affordable legal and identity protection makes all the difference — without the high cost of hiring an attorney on your own. You can choose from three plans:
Visit the R&R LegalShield site → — explore plan details and log in to your member account once enrolled.
Heads up: use the LegalShield site to learn about the plans and to log in once you're a member — but to enroll, use Employee Navigator or call your Benefit Counselors at (210) 446-8028. Don't use the "enroll" button on the LegalShield site, or you may end up on a different retail plan.
Enroll through: a Benefit Counselor or Employee Navigator • See all legal & identity documents
New this year: R&R now offers Healthy Paws pet insurance (a Chubb company) as a voluntary benefit for your dogs and cats. It covers new accidents and illnesses — including hereditary and congenital conditions — so you can focus on caring for your pet instead of the bill.
This benefit enrolls differently. Healthy Paws is not payroll deducted and is not in Employee Navigator. You enroll and pay directly through R&R's Healthy Paws link below, which unlocks your group discount (available in most states). And because it's managed outside your other benefits, your coverage stays with you even if you change jobs or retire.
Get a free quote & enroll at R&R group rates →
Eligibility: dogs & cats at least 8 weeks old and younger than 14 years (younger than 5 in New York). Wellness/preventative care, spay/neuter, exam fees, and pre-existing conditions are not covered. Questions? Call Healthy Paws at 855-898-8991 or email help@healthypaws.com.
Carrier: Healthy Paws, a Chubb company • Enroll & manage your policy • See all Healthy Paws documents
A complimentary savings program for your whole family — no enrollment required in any other plan.
Register free at wellcardsavings.com with code MECPLUS
With new Humana carriers this year, we recommend every employee review their elections — even if you don't plan to make changes.
You don't need a welcome email to get started. Go to employeenavigator.com, click Login, then “Register as a new user.” When it asks for your Company Identifier, enter:
RaRT
Then follow the prompts to verify your identity and create your own username and password. Adding your spouse or kids to a plan? Have their dates of birth and Social Security numbers handy.
📄 Full step-by-step enrollment guide (PDF) →
Rather have help? Call your Benefit Counselors at (210) 446-8028 (Aug 4th–6th, 8:30–5:30 CT) and they'll set up your account or enroll you right over the phone.
Download full coverage details, plan comparisons, and brochures. All files open as PDFs.
Take a few minutes to get the most from your R&R benefits. Each spotlight breaks down one of your plans in plain language — tap any title to read it, anytime.
Healthcare does not always happen close to home, during regular business hours, or when life feels calm and convenient.
Sometimes you are hundreds of miles from your regular doctor. Sometimes you are at work trying to squeeze an appointment into an already full day. Sometimes you are at home, caring for your family and wondering where to begin.
That is why R&R Transportation offers Redirect Health.
It is more than a medical plan and more than an insurance card. Redirect Health gives you access to a team of real people who can help you find care, research your options, schedule appointments, manage costs, and understand what to do next.
🚛 Healthcare That Travels With You
Redirect Health is designed for care wherever life happens.
Through the Redirect Health app, you can connect with a provider from the road, the office, or home. Many employees tell us that the ease of virtual care is one of their favorite parts of the plan.
It is a little like carrying your own provider in your pocket.
You can even request the same provider again, allowing you to build familiarity and continuity instead of explaining everything to someone new each time. (This is what I do — I have had the same provider for four years now.)
But virtual care is only the beginning. Redirect Health can also help you:
They help do the healthcare homework so you do not have to.
🔎 Less Searching. Less Guessing. More Help.
Trying to arrange healthcare can become a job of its own. You may spend hours searching provider lists, calling offices, checking availability, comparing prices, and wondering whether you chose the right place.
Redirect Health is designed to make that process easier. Instead of leaving you to navigate everything alone, their team can help with the research and coordination behind the scenes.
That support matters whether you are driving a truck across the country, working in the R&R office, or at home scheduling care for your family.
📱 Watch for Your Welcome Text
After enrolling, watch for a welcome text from Redirect Health. It is not just another message to scroll past — it is the first step in helping your care team get to know you.
The text will include instructions for setting up important information such as:
Completing these steps gives Redirect Health a head start. When you need care, their team will already have a clearer picture of your health, medications, and regular providers — helping them respond more quickly, make better-informed recommendations, and guide you without starting from scratch.
A few minutes now can make care easier later.
🗓️ Planned Care? Start With Redirect Health
For routine appointments, specialists, procedures, and other care that can be planned, contact Redirect Health first. This gives their team time to research providers, compare costs, negotiate pricing, and, in many situations, arrange or prepay for services before care is received.
Preauthorization is not intended to keep you from getting care. It is one of the ways Redirect Health works to help you receive high-quality care at the right place and at the best available cost.
Negotiating and coordinating care takes time, so contacting the team before a planned appointment gives them the best opportunity to protect you from unnecessary expenses.
🚨 In an Emergency, Get Care First
A true emergency is different. Go directly to the nearest emergency room. Do not delay emergency care while waiting for authorization.
Call or text Redirect Health when you are safely able and have a moment to breathe. Their team can then step in, support the process, and help manage the costs and questions that may follow.
Emergency first. Redirect Health as soon as you can.
🛡️ Your Out-of-Pocket Maximum Is a Safety Net
On the EverydayCARE Hospital and Hospital Plus plans, the individual out-of-pocket maximum is $4,000, and the family maximum is $6,000. But that maximum is meant to be a safety net, not a spending goal.
Redirect Health works to help employees avoid unnecessary costs through provider research, negotiation, prepayment arrangements, and finding alternative care and funding options when appropriate.
Many people are accustomed to presenting an insurance card and assuming everything else will work itself out. Unfortunately, even with traditional insurance, patients may still face unexpected or balance-billed expenses. Redirect Health works differently.
The card is one part of the plan. The real value is the care team working behind it.
💙 Dedicated Support for Serious and Complex Care
A serious diagnosis can change life in an instant. Suddenly, a family may be facing specialists, procedures, unfamiliar medical terms, financial concerns, and decisions they never expected to make.
This year, R&R employees facing advanced care, a serious diagnosis, or ongoing complex treatment will have access to a dedicated Redirect Health team trained to help navigate those situations. That support may include help with:
Complex medical care can be extraordinarily expensive, but there may be programs, providers, and funding resources that employees would never know how to find on their own. Redirect Health understands how to navigate those situations. You do not have to figure it all out alone.
⭐ Benefits You Can Actually Use
Redirect Health also includes everyday benefits that can make routine healthcare more accessible and affordable. Depending on the plan and following Redirect Health procedures, eligible members may receive:
📬 Physical ID Cards and Welcome Packets Are Coming
In past years, members typically accessed their Redirect Health ID card through the app. We know that many employees also wanted something physical to keep in their wallet or provide to a spouse.
This year, R&R worked with Redirect Health to arrange for enrolled employees to receive a physical ID card and welcome packet in the mail, in addition to the digital card available in the app. This is a big step toward making the plan easier to understand and use from the very beginning.
💛 A Benefit I Personally Believe In
I have personally been covered by Redirect Health for four years. One of the things I value most is the help that happens behind the scenes.
Their team has found providers for me, scheduled appointments, researched care options, and helped me understand what to do next. Instead of handing me a directory and leaving me to sort through it, they have helped manage the details through my own health journey — including accidents and sickness.
That saves time. It reduces stress. And it makes healthcare feel much less lonely and overwhelming. That is the value we want every R&R employee and family member to understand.
📲 Download the App. Complete Your Profile. Start There Every Time.
The Redirect Health app puts your virtual care, digital ID card, appointments, health information, and care team right in your pocket.
After enrollment:
The more information the team has and the earlier they are involved, the more opportunity they have to help coordinate care and manage costs.
Get the app: Apple App Store • Google Play
More Than a Card. A Care Team.
Real people. Real guidance. Real help. Wherever life takes you.
Your R&R Open Enrollment Team
In partnership with SunRaes Benefit Solutions
Hey there, R&R Team!
Last year, R&R added a benefit called the Cancer Advocate Plan shortly before Open Enrollment. This year, you will see it under its new name, Advantage DNA.
Because it was introduced so quickly, we did not have the opportunity to fully explain what makes this benefit so different. And honestly, it deserves more than a quick mention.
The American Cancer Society estimates that more than 2.1 million people in the United States will receive a cancer diagnosis in 2026. That is approximately 5,790 people every day. Behind each number is a real person, a family and a life that suddenly looks very different.
Most cancer plans begin helping after someone becomes sick. Advantage DNA can begin helping before a diagnosis ever occurs.
🧲 Knowledge Before You Need It
Imagine being able to learn whether you carry certain inherited cancer risks, then having a professional help you understand what the results mean and what proactive steps you may want to discuss with your doctor.
Or imagine discovering that your DNA may affect how your body responds to certain medications, before spending months trying to find one that works well for you.
Advantage DNA provides access to two at-home, clinical-grade tests:
The CDC explains that differences in our DNA can affect whether a medication helps, has little effect or causes a harmful reaction. Pharmacogenomic information can give patients and their doctors another tool for making more personalized medication decisions.
Your testing journey begins through a confidential Kadance portal. If a hereditary risk is identified, genetic counseling is available to help you understand the result and develop a personal action plan to share with your healthcare provider. A clinical pharmacist reviews PGx results and can provide medication recommendations to your prescribing physician.
This is not about creating fear. It is about giving you information, guidance and choices you might not otherwise have.
🚊 Someone Beside You When the Road Changes
Anyone who has experienced cancer in their family knows that the diagnosis is only the beginning.
Suddenly, there are medical terms to understand, specialists to coordinate, treatment choices to consider and important questions no one thought they would need to ask.
Advantage DNA provides an Oncology Nurse Navigator who can walk beside you through that process. Your navigator can help you understand the diagnosis, coordinate available services, communicate with your care team and guide you through treatment and recovery.
You are not handed a phone number and left to figure everything out alone. You have access to one-on-one support from someone who understands the cancer-care journey.
🛣️ More Information When Decisions Matter Most
If cancer is diagnosed, Advantage DNA may provide access to precision-cancer services that can help answer critical questions:
Eligible services include a second pathology review, genetic tumor testing, personalized treatment recommendations from precision-oncology experts, clinical-trial assistance and recurrence monitoring. If cancer returns, eligible precision-cancer management services may be available again.
These services do not replace your doctors. They provide your healthcare team with additional information that may help guide conversations and treatment decisions.
💵 Help With the Expenses No Medical Plan Can Prevent
Even with health insurance, cancer can affect far more than medical bills.
There may be time away from work, travel for treatment, childcare, meals on the road, household bills and countless unexpected expenses.
Advantage DNA includes cash benefits paid directly to the insured person following a covered cancer diagnosis. Depending on the elected coverage, the employee benefit can include three separate $5,000 payments:
That can total $15,000 in cash benefits, paid in addition to other insurance and available to use wherever the family needs it most. Spouse coverage is also available, with benefits based on the spouse coverage offered under the plan.
It cannot remove the diagnosis, but it may provide a little breathing room during an extraordinarily difficult year.
❤️ Protection for the People Who Matter Most
Advantage DNA is available for employees and spouses. It is also offered on a guaranteed-issue basis, making this an especially valuable opportunity to access coverage through the R&R employee-benefits program. Coverage is portable, which means an enrolled member may be able to keep it after changing employers or retiring, provided the policy remains in force and premiums continue to be paid.
💛 Why R&R Chose This Benefit
R&R works hard to offer benefits that go beyond checking boxes.
Advantage DNA was chosen because it can provide something deeply valuable at every stage:
Cancer benefits are available from many carriers. What makes this program different is the combination of proactive DNA insights, personalized medication information, precision-cancer services, one-on-one guidance and cash protection.
It is another way R&R is working to protect not only the employee behind the wheel, but the family behind every mile.
📌 Take a Closer Look During Open Enrollment
Full plan details, rates and documents will soon be available on the new R&R Benefits Website and in Employee Navigator.
There is nothing you need to do today. For now, we simply want you to understand the value of this opportunity so you can make an informed decision during Open Enrollment (July 31st – August 10th).
When you review your benefits this year, please take a few minutes to learn more about Advantage DNA. It may be one of the most meaningful and unique protections available to you and your family.
Your R&R Open Enrollment Team
In partnership with SunRaes Benefit Solutions
Hey there, R&R Team!
Most of us depend on our paycheck to keep everyday life moving.
The mortgage or rent still comes due. Groceries still need to be bought. Car payments, utilities, and household expenses do not pause because someone becomes sick, gets injured, or needs time away from work to recover.
That is where disability insurance becomes so important.
Beginning September 1st, R&R's Short-Term and Long-Term Disability coverage will move to Humana, creating a more coordinated path of income protection when an eligible illness, injury, or pregnancy keeps you from working.
⏳ When Recovery Takes Time, Coverage Matters
Disability insurance is designed to replace part of your income, helping create financial breathing room while you focus on getting better.
💚 Short-Term Disability: Help During the First Months
Short-Term Disability is designed for conditions that may temporarily keep you from working, including:
The new Humana Short-Term Disability plan provides:
That 26-week benefit period is twice as long as the 13-week option many employees currently have, giving employees more time to recover before short-term benefits end.
🛡️ Long-Term Disability: Protection When Recovery Takes Longer
Some health conditions do not fit neatly into a few weeks or months. Cancer, heart attack, stroke, severe fractures, muscle injuries, and musculoskeletal disorders may require a much longer recovery period.
Humana Long-Term Disability provides:
The 180-day waiting period closely follows the 26-week Short-Term Disability period, allowing the two plans to create a more complete bridge when elected together.
🤝 How the Two Plans Can Work Together
Short-Term and Long-Term Disability may be elected separately. However, together they provide the strongest income-protection bridge:
The goal is to reduce the financial gap between the day an employee becomes disabled and the time they are able to return to work.
💰 What Could This Mean in Real Life?
Consider an employee earning $80,000 per year.
Short-Term Disability: the employee earns approximately $1,538 per week. At 60%, the Short-Term Disability benefit could be approximately $923 per week. Benefits could begin after the eight-day waiting period and continue for up to 26 weeks, subject to the plan's terms and claim approval.
Long-Term Disability: the employee earns approximately $6,667 per month. At 60%, the Long-Term Disability benefit could be approximately $4,000 per month. Benefits could begin after the 180-day elimination period if the disability continues and the claim remains eligible.
The exact benefit and payroll deduction will depend on the employee's earnings, age, elected coverage, and the terms of the plan.
🏠 Disability Can Affect More Than the Employee
When someone cannot work, the financial impact often reaches the entire household. Disability benefits may help a family continue paying for:
The benefit cannot make an illness or injury disappear. But it may help keep the rest of life from unraveling while someone works toward recovery.
🔄 What Happens to Current Coverage?
Employees currently enrolled in Short-Term or Long-Term Disability coverage will be mapped to the corresponding Humana plan whenever possible. However, every employee should still review:
You may elect either plan separately, but please consider how the two plans work together before making your decision.
✅ Good News Regarding Your Coverage Continuity
We want to make your transition to the new disability plan as seamless as possible. You will receive full credit for time already served toward your pre-existing condition waiting period.
📞 Help Is Available When You Need to File a Claim
Humana offers several ways to submit a disability claim:
A specialized customer-care team is available to help guide R&R Transportation employees through the claim process, including the employee, employer, medical authorization, and physician portions of the application.
Full claim instructions and forms will be available on the R&R Benefits Website.
🧡 Why We Made This Change
We chose the Humana disability plans because they provide a more coordinated approach to protecting employees' income.
The new Short-Term Disability plan provides 26 weeks of benefits as the standard option. Under the previous plan, employees who selected the 13-week benefit period could face a gap in income protection if they remained unable to work beyond those 13 weeks. The new 26-week design helps carry coverage through the full 180-day waiting period before Long-Term Disability may begin for an eligible continuing disability.
It creates a clearer road from short-term recovery to longer-term protection.
Protecting Your Income Means Protecting Your Everyday Life
During Open Enrollment, take a few minutes to consider how long your household could manage without your regular paycheck.
Disability coverage is not only about missing work. It is about helping protect the home, family, and life that paycheck supports.
Full rates, benefit documents, and enrollment details will be available on the R&R Benefits Website and in Employee Navigator.
Your R&R Open Enrollment Team
In partnership with SunRaes Benefit Solutions
Hey R&R Team!
We have negotiated new dental options through Humana that offer stronger coverage choices at more competitive rates. Both plans include:
🚧 Even Healthy Teeth Can Have an Unexpected Detour
You may take great care of your teeth and only expect routine cleanings. But dental needs are not always planned.
Maybe you're eating popcorn during a movie and crack a tooth. Suddenly you may need an exam, X-rays, a crown, or even a root canal. Those services can add up quickly and could max out a $1,000 annual maximum. That's why it's worth considering how much protection you and your family may need.
🦷 Choose the Plan that Fits YOUR Needs
A lower-cost option for routine care and occasional dental needs.
By removing child orthodontia from this plan, R&R was able to make it even more affordable.
A stronger option for larger or ongoing dental expenses.
For employee-only coverage, that's just $2.65 more per week for unlimited annual benefits and orthodontia for both adults and children.
💵 Weekly Payroll Deductions
| Coverage | Dental 1000 | Dental Unlimited |
|---|---|---|
| Employee Only | $8.10 | $10.75 |
| Employee + Spouse | $16.20 | $21.49 |
| Employee + Children | $18.22 | $25.48 |
| Employee + Family | $27.94 | $38.70 |
Amounts shown are per weekly paycheck.
🔎 Check Your Dentist or Find a New One
Use Humana's provider-search tool to see whether your dentist participates in the Traditional Preferred network: Find a Humana Dentist →
Then log in to Employee Navigator to compare both plans and review your weekly payroll deduction.
Questions? Email help@rrtransbenefits.com or call (210) 446-8028.
Your R&R Open Enrollment Team
In partnership with SunRaes Benefit Solutions
Your one stop for plan videos, member portals, provider searches, and carrier apps.
Start here — why this plan works differently than traditional insurance, and what that means for you.
How to get care with the app, by call, or by text — before you visit a provider.
Personalized health insights, one-on-one guidance, and support when you need it most — from Chubb.
Cash benefits for injuries — ER visits, x-rays, and hospital stays, paid directly to you.
A lump-sum cash benefit if you're diagnosed with a covered serious illness.
Admission and daily-stay cash benefits to help with the costs of a hospital visit.
Jr, Jessica & Lidia — led by Deanna — are here for one-on-one help with plan selection, enrollment, and claims.
For disability, life insurance, or Chubb claims, contact your enrollment team first — they'll help you avoid paperwork mistakes that delay benefits.
Medical questions or finding a provider? Contact Redirect Health first at 888-407-7928 by call or text, or use the app.
Ginny of SunRaes Benefit Solutions has proudly served the R&R Transportation family for years, building this benefits program around the people who keep the trucks rolling. For questions or enrollment, reach out to your Benefit Counselors above — they'll take great care of you.
