Annual Benefits Open Enrollment runs from November 2 – November 15, 2026

You must log in and actively select your benefits for the upcoming year. Your current benefits will not automatically carry over. If you do not enroll by the deadline, you will not have benefits for 2027!

Questions?

Contact the Benefits Helpline by calling 844-691-0875 or email RaceTracBenefits@Lockton.com.

Annual Benefits Open Enrollment Information

During Annual Benefits Open Enrollment, you’ll have the opportunity to choose from a comprehensive range of RaceTrac, Inc. benefits designed with you and your family in mind — all focused on supporting your health and protecting your wellbeing.

Be sure to make your benefit elections before the enrollment period ends on November 15, 2026. All changes will take effect January 1, 2027.

This is the one time of year you can enroll in RaceTrac, Inc. benefits unless you experience a Qualifying Life Event.

Key Benefits Highlights

Key Benefits Highlights

Changes for 2027:

  • We have partnered with Cigna for our 2027 medical insurance.
    • Visit myCigna.com to view in-network providers.
    • If you are currently receiving treatment for cancer or other complex conditions and your current doctor is not in Cigna’s network, please reach out to the Benefits Helpline for transition of care forms. These forms must be completed before 1/1/2027.
    • We now offer two PPO Copay plans, which let you pay a set amount when you visit the doctor, so you’ll know what to expect.
  • Pharmacy is moving from CVS to Express Scripts through Cigna Healthcare® Pharmacy Benefits.
    • Specialty pharmacy will be transitioning from PaydHealth to an in-house solution with Cigna Healthcare® Pharmacy Benefits.
  • Team members with childcare expenses will now have access to a Dependent Care Flexible Spending Account (DCFSA).
  • Unum will now provide life insurance, disability, and supplemental health benefits.
  • WEX will now provide health savings accounts and flexible spending accounts.
  • Our Wellness Points Program has been refreshed to WellTrac. Same great rewards, new platform!
    • Team members will continue to be eligible to earn points in 2027 for a medical premium discount in 2028.

What’s Not Changing:

  • Cigna will remain our Dental provider, and EyeMed will remain our vision insurance provider.
  • The short-term disability offer for RaceTrac, Energy Dispatch, LLC, and Gulf, Inc. team members is not changing for 2027.

These changes were made with our team members in mind and with the goal of supporting their physical, mental, and financial wellbeing. Be sure to make your benefits elections during the Annual Benefits Open Enrollment period, which ends on November 15, 2026. All changes will take effect on January 1, 2027.

Who is Eligible?

If you’re wondering whether you are eligible to receive certain benefits, refer to our Benefits Guide! You can also enroll your spouse or eligible dependents in plans for which they are eligible. Dependents are defined as natural and adoptive children, stepchildren and children from whom you have been named legal guardian. Your dependents are covered for benefits through the end of the month in which they turn 26 (different guidelines apply for those who are disabled).

Adding a New Dependent?

You can add your dependent(s) when you enroll in coverage. During Workday enrollment, you must provide proof of your dependent(s). Your benefits enrollment won’t be finalized until the dependent verification is complete. Learn more about required documentation in the 2027 Benefits Guide.

Hired in October 2026?

You will have to complete TWO benefit enrollment events in Workday to secure coverage for 2026 and 2027.

How to enroll

Enrollment is easy! Just follow the steps below:

  • Review your 2027 benefit options on the Benefits Website.

  • Enroll Yourself and Your Dependents by logging into Workday and completing the Annual Benefits Open Enrollment Event in My Tasks.

  • Review elections and dependent information for accuracy, then hit Submit.

  • Success! Benefits are effective January 1, 2027.

Changes for 2027

  • We have partnered with Cigna for our 2027 medical insurance.
    • Visit myCigna.com to view in-network providers.
    • If you are currently receiving treatment for cancer or other complex conditions and your current doctor is not in Cigna’s network, please reach out to the Benefits Helpline for transition of care forms. These forms must be completed before 1/1/2027.
    • We now offer two PPO Copay plans, which let you pay a set amount when you visit the doctor, so you’ll know what to expect.
  • Pharmacy is moving from CVS to Express Scripts through Cigna Healthcare® Pharmacy Benefits.
    • Specialty pharmacy will be transitioning from PaydHealth to an in-house solution with Cigna Healthcare® Pharmacy Benefits.
  • Team members with childcare expenses will now have access to a Dependent Care Flexible Spending Account (DCFSA).
  • Unum will now provide life insurance, disability, and supplemental health benefits.
  • WEX will now provide health savings accounts and flexible spending accounts.
  • Our Wellness Points Program has been refreshed to WellTrac. Same great rewards, new platform!
    • Team members will continue to be eligible to earn points in 2027 for a medical premium discount in 2028.

These changes were made with our team members in mind and with the goal of supporting their physical, mental, and financial wellbeing. Be sure to make your benefits elections during the Annual Benefits Open Enrollment period, which ends on November 15, 2026. All changes will take effect on January 1, 2027.

Who is Eligible?

If you’re wondering whether you are eligible to receive certain benefits, refer to our Benefits Guide! You can also enroll your spouse or eligible dependents in plans for which they are eligible. Dependents are defined as natural and adoptive children, stepchildren and children from whom you have been named legal guardian. Your dependents are covered for benefits through the end of the month in which they turn 26 (different guidelines apply for those who are disabled).

Adding a New Dependent?

You can add your dependent(s) when you enroll in coverage. During Workday enrollment, you must provide proof of your dependent(s). Your benefits enrollment won’t be finalized until the dependent verification is complete. Learn more about required documentation in the 2027 Benefits Guide.

Hired in October 2026?

You will have to complete TWO benefit enrollment events in Workday to secure coverage for 2026 and 2027.

How to Enroll

Enrollment is easy! Just follow the steps below:

  • Review your 2027 benefit options on the Benefits Website.

  • Enroll Yourself and Your Dependents by logging into Workday and completing the Annual Benefits Open Enrollment Event in My Tasks.

  • Review elections and dependent information for accuracy, complete the Task, hit I Accept, then hit Submit.

  • Success! Benefits are effective January 1, 2027.