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What are the AFA Health Plans?
The AFA is offering two health plans through BlueCross BlueShield. The first plan has a $500 single deductible and is the stronger of the two benefits. The second plan has a $4,000 single deductible and is more of a catastrophic coverage. AFA is also offering two dental plans, and a vision plan.
Who is Eligible for the AFA Health Plan?
Active AFA members must have at least one common law employee to be eligible for the AFA Health Plan. Sole proprietors without at least one common law employee are not eligible to participate in the plan. Please contact Cobbs Allen with questions.
Participation and Eligibility Continued
Under 50 employees
There is no requirement for offering coverage to all employees, nor is there a set amount of money that an employer must contribute toward health coverage.
50 or more employees
An employer must offer coverage to “substantially all” of their employees, meaning a maximum of 5 employees not offered coverage.
An employer must offer a plan at a cost that is no more than 9.78% of their employee’s take-home income.
What if I’m already offering a small group health plan to my employees?
You may transfer to the AFA Plan by submitting a Current Health Census to afa@cobbsallen.com. Please note that you must notify all impacted employees of this change and allow them the option to opt out. Employees who wish to change their benefit election must do so by scheduling an appointment with a Benefits Educator during Open Enrollment.
What if I am currently enrolled in a different Health Plan, but want to elect the AFA Health Plan?
Open enrollment is a Qualifying Life Event. If your employer decides to participate, and the company is previously enrolled in another health plan, he or she is still eligible to participate in the AFA Health Plan.
Credit can be given for the deductible that you and your family members have already reached on your current health plan. You may discuss credit for your deductible with the Benefits Educator during your scheduled appointment. If you are transferring from a BCBS plan, the deductible credit will happen automatically.
When and how do I enroll?
You have the ability to schedule an appointment with a Benefits Educator by visiting www.ALForestryBenefits.com or by calling (877) 884-2928. During your scheduled appointment time, a Benefits Educator will assist you in enrolling in the various plan options.
What if an employee who elected the benefit gets fired or quits? How is the benefit offered to new hires?
Members will be responsible for submitting information of any employees who elected the plan who was terminated or hired each month. This will ensure each group is billed the appropriate amount each pay period. These census updates will be submitted to AFA.
How do I pay my premium?
Each member company will be assigned a login to our payment portal, www.paymyhealthinsurance.com. Employers are responsible for remitting payment for their employees who participate on the plan. Invoices will be sent via email on the 5th of each month. Payment will be due on the 15th and late on the 20th. After the second late payment, a $100 late fee will be assessed.
Who should I contact if I have questions?
Questions about the AFA Health Plan and its benefits can be directed to a Cobbs Allen Benefits Consultant:
Patrick Pittman | 205-874-1268 | ppittman@cobbsallen.com
Matthew Cate | 205-874-1226 | mcate@cobbsallen.com
Questions about how to book your enrollment appointment can be directed to a DirectPath Benefits Educator at 877-884-2928.