WELCOME

We know how important benefits are for you and your family. That's why we're committed to offering excellent, well-rounded options that protect your physical, mental and financial health — and that of those you love. Our programs are designed to provide peace of mind in protecting your lifestyle and planning for the future.

Because choosing your benefits takes careful thought and planning, we created this Benefits Showcase to help you easily navigate and understand our offerings. Please take some time to review the information and return to the site whenever you or your family members have questions or want to review our benefits. This information will be available to you on demand throughout the year, so feel free to bookmark it.  

How to Navigate this Site

Use the navigation bar at the top of the page to learn more about each category of benefits. You can watch videos and view documents provided by the benefit carriers. If you have questions, we're here! Contact us anytime with questions.

Questions?

MEDICAL AND RX

Medical Plan Options 

You have the opportunity to choose from three medical plan options administered by UMR for 2022: the Traditional PPO, HDHP with Copay, or the HDHP with HSA. Each of these plans utilize the nationwide UMR/UHC Choice Plus network of providers.  

Prescription drug coverage is provided through RxBenefits/OptumRx.  

Review the 2022 Benefits Guide for more information on plan design and cost.  

We're committed to supporting the Transparency in Coverage Rule by making MRFs (machine-readable files) available to you at the following website:  https://transparency-in-coverage.uhc.com/

SurgeryPlus

SurgeryPlus is a resource for members having elective surgical procedures. SurgeryPlus Concierges will help members schedule a procedure with a Center of Excellence Provider and all associated pre- and post-operation services. Members can receive these procedures at little to no cost including travel if necessary.

Review the 2022 Benefits Guide for more information on plan design and cost.  

Questions? Email Ryman@SurgeryPlus.com or call 855.200.2099.

MyHealth Bundles is designed to provide you and your dependents with an enhanced healthcare experience. From concierge-level service and streamlined care to fewer out-of-pocket costs, you'll notice the difference from the very start of your journey. By completely reimagining your care experience and “bundling” all of the services you need to succeed with common or complex health conditions, this new approach provides additional support and improves convenience to ease many of the worries commonly associated with healthcare.

With MyHealth Bundles, you have access to a dedicated patient navigator who facilitates all non-clinical needs, such as booking appointments, navigating the Vanderbilt Health System, providing helpful resources, and answering questions about the MyHealth Bundles program and Vanderbilt services. Every step of the way, you enjoy concierge-level support and service.

In addition to a more streamlined approach to care, MyHealth Bundles also include a more streamlined financial process that enables your healthcare expenses to be more predictable and affordable. We provide more support, at a higher quality, with more convenient access. All with fewer out-of-pocket expenses.

Questions? 615.936.2635

Wellness

With UMR’s Live Well Reward$, you and your spouse or domestic partner have an opportunity to receive financial rewards for taking a few simple steps toward living a healthier life. Your participation is completely voluntary, and all resources are available at no cost to you. This year, you can receive up to $200 in online rewards (gift cards and merchandise). Keep reading to learn how you can start earning today!

Questions?

ACCOLADE

We've partnered with Accolade to provide you and your family personalized help for your health and benefits needs. Accolade will be your first place to go whenever you have a healthcare or benefits question, big or small. Accolade Health Assistants and nurses take the time to get to know you and your family, and then connect you to benefits that would be most helpful. Accolade’s team of nurses, doctors, pharmacists and claims specialists work together to get you to the information and care you need, when you need it.

Ask Accolade for help with:

• Getting the most out of benefits offered to you and your family
• Connecting to health benefits that match your needs
• Learning more about symptoms, a disease, treatment option, or medication
• Finding an in-network doctor who is experienced in the care you need
• Understanding healthcare costs or a confusing bill

You can connect with Accolade by phone or secure messaging in the member portal or mobile app.

Questions? Message through the Accolade mobile app or secure messaging at https://member.accolade.com or call 866.406.0820.

Questions?

DENTAL

Good oral care enhances overall physical health, appearance and mental well-being. Problems with the teeth and gums are common and easily treated health problems. Keep your teeth healthy and your smile bright with the Ryman Hospitality Properties dental benefit plan. Your dental plan provides several levels of coverage: preventive services, basic routine services, major restorative services and orthodontia coverage.  

Basic teeth cleaning and oral exam will be free when you choose a Delta Dental PPO dentist. Please note, if you choose to see a non-participating provider, you'll experience higher out-of-pocket costs and the dentist can balance bill you (bill you for the difference between what the dentist charges and what the insurance company reimburses).

Questions? Email information@deltadentaltn.com, visit www.deltadentaltn.com or call 800.223.3104.

Questions?

VISION

Regular eye examinations can not only determine your need for corrective eyewear but also may detect general health problems in their earliest stages. Protection for the eyes should be a major concern to everyone.  

Whether you have perfect vision or require some type of corrective lenses, preventive eye care is an important part of your overall health. VSP can help you offset the expensive costs of exams, frames, contact lenses, corrective surgery, and more.

Questions? Visit https://www.vsp.com or call 800.877.7195.

Questions?

SPENDING ACCOUNTS

Health Savings Account (HSA)

If you’re enrolled in a consumer-driven high-deductible health plan (HDHP with HSA), you’re eligible to contribute on a pretax basis to a Health Savings Account (HSA). If you’ve had a traditional copayment plan, you may be wondering how it is different from a HDHP with an HSA. Traditional copayment plans typically have a lower deductible and higher premiums, so you pay more up front and less when you need care. HDHPs have the opposite – a higher deductible but lower premiums. 

If you participate in a HDHP, you can open an HSA, which is a personal bank account that you own. Here are some advantages of an HSA: 

• Get triple tax advantages: (1) Contribute pre-tax dollars; (2) Grow your account tax free; (3) Use your HSA to pay for eligible healthcare expenses tax free.
• Use it today or save for tomorrow. Lose the worry of having to spend it all before the end of the year. With the HSA, the balance rolls over year after year so you can let it grow over time.
• You own the money in the HSA. If you choose to leave the company or switch healthcare plans, you keep the money.
• It’s convenient. Contributions are automatically deducted from your paycheck and deposited into your HSA bank account. You can change or stop contributions at any time.
• Invest your HSA funds. Once your savings reach a certain threshold, you're eligible to invest your HSA dollars and grow your balance.

Employer Contributions:

• $500 single/ $1,000 family (after completing four wellness events during the year). Paid quarterly and will be prorated for new hires during the year.      
• Complete four wellness events to receive employer contributions quarterly
  
  • Teledoc registration
  • Action Plan (pick 1)
  • UMR Health Risk Assessment
  • Gym / Physical Activity
  • Annual Physical
  • Accolade Engagement / Registration

HSA Annual Max Contribution Limits for 2022:

• Single - $3,650, 55+ $1,000 catch up
• Family - $7,300, 55+ $1,000 catch up

HSA max contribution limits include employee and employer contributions.

Note: In order to contribute to the HSA, you must be enrolled in our HDHP with HSA, not covered under a secondary health insurance plan, not enrolled in Medicare, and not another person's tax dependent.

Questions? Visit https://ybr.com/ryman/ or call 888.438.9271.

Flexible Spending Account (FSA)

We want to be sure that you have ways to save on the benefits you need to live a healthy life. Don’t miss out on the chance to get extra tax savings by participating in flexible spending accounts (FSAs) and save for eligible healthcare and dependent-care expenses through convenient payroll deductions. 

Each year, you specify how much of your pay you want to have deducted from your paycheck and deposited into your FSA account to cover eligible expenses. You can contribute any amount from $50 to $2,750 in your Healthcare FSA and up to $5,000 in your Dependent Care account each year. Be sure to use the Spending Account Estimator available at ybr.com/ryman to help calculate your anticipated out-of-pocket expenses to determine if you should participate in a Healthcare and/or Dependent Care FSA. 

Healthcare Spending Limit: $2,750 | Dependent Care Spending Limit: $5,000  | Limited Use Spending Limit: $2,750 

Ryman Hospitality Properties offers you three types of FSAs:  

1. Healthcare FSA: This is ONLY available for the Traditional and HDHP with copay plans. Use your Healthcare FSA to reimburse yourself for healthcare expenses that are not paid for by your medical, dental, or vision plans (including  deductibles, copayments, etc.) You can also use your Healthcare FSA to pay for prescription contacts and eyeglasses that are not covered by your vision plan, as well as many over-the-counter medical supplies and diabetic products. You are able to carryover up to $570 of your healthcare FSA balance remaining at the end of the year.

2. Dependent Care FSA: Use your Dependent Care FSA for eligible dependent-care expenses, including before- and after-school care, child daycare fees, and daycare fees for an elderly or a disabled dependent. Any unused funds at the end of the year will be forfeited. So plan carefully when making your annual election.

3. Limited Use FSA: Available only for HDHP with HSA participants. A Limited Use account allows you to set aside pre-tax dollars for dental and vision expenses. Eliminates your need to use your HSA funds for dental and vision expenses, leaving you with more money in your HSA to use for regular medical expenses.

Questions? Call 888.438.9271

Questions?

LIFE, DISABILITY AND VOLUNTARY BENEFITS

Basic Life Insurance

Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump-sum payment if you die while employed by Ryman Hospitality. The company provides basic life insurance equal to your annual base pay, with a minimum $10,000 benefit at no cost to you.

Accidental Death & Dismemberment (AD&D) Insurance

AD&D insurance provides payment to you or your beneficiaries if you lose a limb or die in an accident. Ryman Hospitality provides AD&D coverage equal to your annual base pay, with a minimum of $10,000 benefit at no cost to you. This coverage is in addition to your company-paid life insurance.  

Questions? Visit https://www.newyorklife.com/group-benefit-solutions/employees/group-insurance/life or call 800.362.4462.

Voluntary Life Insurance

You may purchase additional life insurance in addition to the company-provided coverage. You may also purchase life and AD&D insurance for your dependents. You're guaranteed coverage up to the guaranteed issue amount of $500,000 or six times your salary, whichever is less, and up to $50,000 for your spouse without answering medical questions if you enroll when you are first eligible.

Employee: Up to six times your salary with a $1,000,000 maximum amount; $500,000 guaranteed-issue amount if you enroll when you're first eligible.

Spouse: Up to $100,000 in increments of $25,000, not to exceed 100% of employee election; $50,000 guaranteed-issue amount if you enroll your spouse when you're first eligible.

Children: Live birth to six months: $500; Up to $25,000 in increments of $5,000 *up to age 26 if the child is your tax dependent and unmarried.

Voluntary Accidental Death and Dismemberment (AD&D) Insurance 

Employee: Up to six times your salary with a $1,000,000 maximum amount

Spouse: Up to $100,000 in increments of $25,000

Children: Up to $25,000 in increments of $5,000 *up to age 26 if the child is your tax dependent and unmarried

Be sure to review and, if needed, update or add the beneficiaries for your life insurance. Beneficiaries can be added and updated in YBR at any point during the year. 

Questions? Visit https://www.newyorklife.com/group-benefit-solutions/employees/group-insurance/life or call 800.362.4462.

Disability Insurance

Disability coverage continues a portion of your paycheck if a serious illness, injury, or pregnancy occurs. The goal of the disability plan is to provide you with income replacement should you become disabled and unable to work due to a non-work-related illness or injury. Ryman Hospitality Properties provides eligible full-time employees (after six months of full-time consecutive service) with Short-Term Disability (STD) and Long-Term Disability (LTD) coverage.

Short-Term Disability (STD) Insurance

• 100% employer paid
• Benefits begin on the eithth day of Injury or Illness
• 60% of weekly regular base pay will be replaced
• Benefits may continue for 25 weeks

Long-Term Disability (LTD) Insurance

• 100% employer paid
• Covers 60% of your regular base pay, up to a $10,000 monthly maximum (after a 180-calendar-day waiting period)
• Benefits may continue to normal retirement age
• Subject to Preexisting Condition Exclusion

Family Medical Leave Act (FMLA)

FMLA requires covered employers to provide up to 12 weeks of unpaid, job-protected leave to "eligible" employees for certain family and medical reasons. Employees are eligible after 12 months of employment and must have worked 1,250 hours during the previous 12 months.

Reasons for Taking Leave:

• For the birth and care of the newborn child of the employee
• For placement of a son or daughter with the employee for adoption or foster care
• To care for an immediate family member (spouse, child or parent) with a serious health condition
• For the employee when the employee is unable to work because of a serious health condition
• The care of a wounded service member with a serious injury or illness incurred in the line of duty to whom the employee is a spouse, son, daughter, parent, or nearest blood relative (hereinafter referred to as a "service member caregiver on leave") 
• Due to a qualifying exigency resulting from the employee's spouse, son, daughter or parent being on active duty or called to duty status.

In certain cases, this leave may be taken on an intermittent basis rather than all at once, or the employee may work a part-time schedule.

Questions? Visit https://www.mynylgbs.com/auth or call 888.842.4462.

Questions?

OTHER BENEFITS

Resources for Living - Employee Assistance Program (EAP)

Resources for Living is an employer-sponsored program available at no cost to you and all members of your household. That includes dependent children up to age 26 whether or not they live at home. Services are confidential and available 24 hours a day, 7 days a week. You can access educational resources on a variety of topics, including:

• Daily Life Assistance
• Emotional Well-being Support
• You can access up to six counseling sessions per issue each year
• Financial Services
• Call for a free 30-minute consultation
• Legal Services - free 30-minute consultation with a participating attorney
• Online Resources
• Articles, Assessments, Video Resources, Discount Center, Fitness Discounts, etc.

Questions? Visit www.resourcesforliving.com - User Name: RHP | Password: RHP or call 800.272.7252.

Ryman Hospitality Properties has partnered with FEDlogic Inc to offer our employees free, easy, and practical guidance to help you and your family navigate federal benefits at any age.

FEDlogic offers you independent strategic consulting to help you plan and maximize your Social Security Retirement Benefits, enroll in Medicare, as well as navigate the complexities of Social Security Disability for you or a member in your household. 

Please keep in mind this is a resource provided to you at no cost by Ryman Hospitality Properties. If you have any questions or would like to schedule a phone consultation, please contact FEDlogic. 

Questions? Email services@fedlogicgroup.com or call 877.837.4196.

Investing In Your Retirement 401(k) Savings Plan

Part of solid career planning is considering the life you want when you reach the end of your career. It’s probably safe to say that you’ll want more income than just enough to cover your monthly expenses over the years. How will you pay for the extras that you want and deserve? Your retirement plan is a powerful vehicle to help you get where you want to be. Even small contributions in your retirement investments can grow dramatically by the time you retire. Eligibility: Full-time, part-time and on-call employees age 21 or older with at least three months of employment.

• Ryman Hospitality Properties matches 100% of your before-tax contributions up to the first 4% you contribute. That’s like free money to help your account grow faster!
• Employees can contribute up to 40% of their pay to their 401(k) Savings Plan account.

Contribution Options

• Pre-tax: You can contribute money before it is taxed and pay taxes at withdrawal
• Roth: You can contribute after-tax dollars and receive tax-free withdrawals
• Choose from a variety of investment options.
• Make contributions via automatic payroll deductions.

Visit with our dedicated Lincoln Representative by scheduling a virtual visit at www.lfg.com/rymanschedule.  

Lincoln WellnessPATH® 

A simple tool to help manage your finances, Lincoln WellnessPATH® provides personalized steps to manage your financial life. From creating a budget to building an emergency fund to paying down debt, this easy-to-use online tool helps you focus on both short- and long-term financial goals, such as saving for retirement. 

What can WellnessPATH® do for you? 

• See all your accounts in one place – WellnessPATH® allows you to aggregate all your account information — including checking, savings, credit cards, and student loans  —  so you have a full financial picture.
• Get your financial house in order – Featuring a breakdown by category of expenses and income, the tool makes it easy to identify spending trends and create budgets.
• Set goals and track your progress – WellnessPATH® helps you set and track your progress toward your short-term to-dos and your long-term goals.

Take action to help make your goals a reality.

Questions? Visit www.lincolnfinancial.com or call 800.234.3500.

Identity, Financial and Privacy Protection - Allstate Identity Protection Pro Plus

Enjoy peace of mind, financial reassurance, and time-saving expertise with your own identity-protection plan. Allstate Identity Protection Pro Plus. Ryman Hospitality Properties has paid for you to receive a comprehensive identity-protection plan. You can add family members to this plan for a low biweekly cost. 

The Allstate Identity Protection Pro Plus plan includes the following:

• Identity and Credit Monitoring
• Credit Scores and Reports
• Threshold Monitoring
• Financial Transaction Monitoring
• Social Media Reputation Monitoring
• Dark web breach notifications
• Deceased family member coverage
• IP address monitoring
• Social media account takeover alerts
• Unlimited TransUnion credit reports and scores
• Annual tri-bureau credit report and score
• Wallet Protection
• Digital Exposure Report

• Privacy Advocate Remediation
• $1,000,000 Identity Theft Insurance Policy
• Solicitation Reduction and IdentityMD
• Credit freeze assistance
• In-portal credit lock for adults
• In-portal credit report disputes
• 401(k) and HSA reimbursement
• Stolen funds reimbursement
• Tax fraud refund advance
• Senior family coverage - extended family protection plan for seniors (family members 65+, even if they don't live in  your home or aren't dependent on you financially)

Ryman Hospitality provides this coverage to employees at no cost but you must sign up! Activate your account today!

Questions? Visit www.myaip.com or call 800.789.2720.

Questions?