Medical Insurance - Procedures

New hires have 15 days from their eligibility date to enroll in benefits.

Steps to enroll:

1. Check your email from Rippling for login instructions.

2. Log in to the Rippling Benefits Portal.

3. Review available plans (medical, dental, vision).

4. Select your plan and add dependents if applicable.

5. Submit your elections within 15 days of eligibility.

⚠️ If you do not enroll within 15 days, you must wait until the next Open Enrollment unless you experience a Qualifying Life Event (QLE).

Rippling Help: Enroll in benefits or waive coverage as a new hire

Open Enrollment occurs every January. Changes made during Open Enrollment take effect on February 1, 2026.

During Open Enrollment, you can:

• Enroll in benefits

• Change medical plans

• Add or remove dependents

• Waive coverage

Steps to complete Open Enrollment:

1. Log in to Rippling Benefits Portal during Open Enrollment.

2. Review your current coverage and plan options.

3. Make any changes or selections.

4. Submit your elections before the Open Enrollment deadline (January 16, 2026).

Benefit changes outside of initial enrollment or Open Enrollment are only allowed if you experience a QLE.

Common Qualifying Life Events include:

• Marriage or divorce

• Birth or adoption of a child

• A dependent child reaching age 26

• Change in child custody

• Loss of coverage under a spouse’s or domestic partner’s plan

• Moving to a different state

Steps to update benefits after a QLE:

1. Notify HR of your Qualifying Life Event.

2. Log in to Rippling Benefits Portal.

3. Submit your benefit changes within 30 days of the event.

4. Upload any required documentation.

⚠️ Failure to submit changes within 30 days may require waiting until the next Open Enrollment.

Rippling Help Article: Update your coverage as a US employee following a Qualifying Life Event (QLE)

To opt out of medical, dental, or vision coverage, you must actively waive coverage in Rippling.

Steps to waive coverage:

1. Log in to Rippling Benefits Portal.

2. Select “Waive Coverage” for the plan(s) you do not want.

3. Submit before the deadline.

When waivers are allowed:

• Initial eligibility (new hire)

• Open Enrollment

• Qualifying Life Event window

⚠️ Benefits do not automatically enroll or waive.

Rippling Help: Enroll in benefits or waive coverage as a new hire

Access Your HSA Portal:

1. Log in to your Rippling Benefits Portal.

2. In Overview > Current Benefits, scroll to your HSA and click the arrow to expand.

3. Click Log in to your HSA account to open your HSA portal.

Key Actions in Your HSA Portal:

• View Contributions & Transactions: Track deposits, spending, and investment performance.

• Submit Claims: Request reimbursement for eligible medical expenses.

• Pay Bills: Pay providers or merchants directly from your HSA funds.

• Manage Investments: Choose self-managed or managed investment options, with risk levels (Moderate, High, Low).

• Access Tax Forms & Account Details: View HSA account and routing numbers, and download tax documents.