Watch the Video
Cobbs Allen Benefits Consultant Matt Cate explains the HBAA Health Plan benefits and enrollment process
Step
1
Review Your Benefits oPtions
Step
2
See the AFA Health Plan options, including plan designs and monthly rates.
Get Your Questions Answered
Step
3
Find answers to frequently asked questions, including who to contact for assistance.
Welcome to the AFA Health Plan Enrollment Process
If you need help scheduling an appointment, please dial: (877) 884-2928
beginning Monday, May 20.
8:00 AM – 5:00 PM CST
Monday – Friday
(prior to and during Annual Enrollment)
Trouble scheduling your appointment?
Click here for a detailed instruction sheet
View Your Benefits
Click here to learn more about the benefits options available to you.
Book Your Appointment
Book Your Appointment
Beginning May 20, click here to schedule your on-site or telephonic enrollment.
Eligibility Upload
Owners click here to
upload your employees
By submitting you and your employees’ information here, you hereby certify that 1) your company is a current member of the HBAA, and 2) that you understand all premiums for plans elected, whether by the member or an employee, must be remitted monthly by the member company no later than the 15th of the month, or the weekday immediately following.
If you previously completed the HBAA interest survey, you are not required to submit a new eligibility upload. Please note, items 1 and 2 from above apply. If you have a question regarding eligibility, please email HBAA@cobbsallen.com.
Follow the steps below to learn about the AFA Health Plan, how to enroll and more!
Step
4
Press
below to watch a
brief video!
Complete Participating Employer Agreement
Employers must submit an agreement before employees are eligible to enroll.
New hire and qualifying Life Events
Please click here to learn more about New Hire and Qualifying Life Event Enrollments
Existing Health Plan Member?
Click here to access payment portal.
View Your Benefits
OPEN Enrollment
YEAR-ROUND ADVOCACY
New Hire Enrollment:
What You Need to Do
Schedule Your
Enrollment Appointment
QLE Process
Schedule Your QLE Appointment
Eligible Changes by Event
Required Documentation
Enroll Yourself
Schedule Your Enrollment Appointment
What is a Cost Comparison?
Self-Service Cost Estimator
What is an Advocate?
Understanding Rewards
Forms
Member Portal
Nurse Navigator
Dental
Medical
Wellness
Vision
Flexible Spending Accounts (FSA)
Employee Assistance Program (EAP)
Life
Washington National Products
Disability
Programs and Perks
Retirement Savings
Contact Information
Your benefit needs are unique to you and your family.
AFA is pleased to offer year-round support with electing,
understanding, and using your benefits.
Benefits Questions
Claims and Billing
Transparency
Rewards
Home
Eligibility
Enrollment
Life Events
Advocacy
Medical
Dental
Vision
Supplemental Health
Life and AD&D
Disability
Retirement
Additional Insurances
Resource Library
Contacts
Checklist
Enroll
YOUR HEALTH.
YOUR PROTECTION.
YOUR FUTURE.
OPEN ENROLLMENT:
JUNE 20 - JULY 22
Your Benefits.
Important Enrollment Documents
2022 Benefits Booklet
HEALTH PLAN OVERVIEW BROCHURE
IF YOU ARE AN EMPLOYEE
IF YOU ARE A PLAN ADMINISTRATOR
Dental Benefits Overview
Vision Benefits Overview
Plan Documents
Medical Benefits Overview
Benefits
The AFA is pleased to offer our members medical plan coverage through BlueCross BlueShield, dental coverage through BlueCross BlueShield, and vision coverage through VSP. As a member of the association, you have the opportunity to purchase health insurance for you and your family.
Monthly Medical Rates
Monthly Dental Rates
Dental Benefits Overview
Monthly Medical Rates
Monthly Dental Rates
Coverage Tier
High Plan
$29.05
$56.49
$77.19
$112.10
$24.88
$46.87
$64.08
$93.06
Low Plan
Dental Benefits Overview
High Plan
Low Plan
New 2020 Renewal RAtes Coming Soon!
To find a dentist in the Access Plus Dental network, visit AlabamaBlue.com and click on “Find a Doctor” then select “Dentist” as the healthcare provider type, enter your zip code or city/state and choose “Access Plus Dental."
Monthly Vision Rates
Vision Benefits Overview
Medical Benefits Overview*
Must be an eligible BCBS expense.
You will receive maximum benefits by using BCBS providers.
Monthly Medical Rates
Medical Benefits Overview
High Plan
Low Plan
The AFA High Plan includes both primary and secondary insurance.
Must be an eligible BCBS expense.
You will receive maximum benefits by using BCBS providers.
Secondary plan does not cover office visit or prescription drug co-copays or home health services.
The out-of-pocket max excludes office visits and prescription drug co-pays.
Monthly Medical Rates - High Plan
Monthly Medical Rates - Low Plan
New 2020 Renewal RAtes Coming Soon!
Coverage Tier
Under 40
40-49
50+
Coverage Tier
Click Here to view the Vision Plan Documents
Click Here to view the 2022 AFA Benefit Guide - pdf
Click Here to view the 2022 AFA Benefit Guide - electronic magazine
Click Here to view the Health Plan Summary
Click Here to view the Dental Basic Plan Documents
Click Here to view the Dental Enhanced Plan Documents
Click Here to view the
BCBS Premier Plan SBC
Click Here to view the BCBS Premier Plan SPD
Click Here to view the BCBS
Value Plan SPD
Click Here to view the
BCBS Value Plan SBC
Click Here to view the
BCBS SPD Blue Access Gold
Click Here to view the
BCBS SPD Blue Saver 4000
Click Here to view the Dental Benefit Highlights
Click Here to view the BCBS Dental Enhanced Highlights
Click Here to view the BCBS Dental Basic Highlights
FAQ
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.
Active employer members of AFA who wish to participate in the AFA Health Plans must sign and submit a Participating Employer Agreement prior to being eligible to enroll. If your company is already participating in the plan, there is no need to sign and submit another agreement.
Once signed, please return to Patrick Pittman at ppittman@cobbsallen.com.
Participating Employer Agreement
Click here to download the
Participating Employer Agreement here.
Complete Participating Employer Agreement
New Hire and
Qualifying Life
Event Enrollment
New Hire Appointment
Click here to schedule your
New Hire Appointment
Qualifying Life Event
Click here to download the form to complete your Qualifying Life Event. Please email the completed form to saugustson@cobbsallen.com
