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AGA is pleased to offer year-round support with electing,
understanding, and using your benefits.
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Enroll
YOUR HEALTH.
YOUR PROTECTION.
YOUR FUTURE.
OPEN ENROLLMENT:
JUNE 20 - JULY 22
Your Benefits.
GET YOUR QUESTIONS ANSWERED
COMPLETE PARTICIPATING EMPLOYER AGREEMENT
For a complete list of Documents & Forms available to you, click the link above.
Important Enrollment Documents
2023 Benefits Booklet
HEALTH PLAN OVERVIEW BROCHURE
Click
Here
Coming
Soon!
Coming
Soon!
BCBS Wellness Tools
AGA has chosen benefits that we feel offer the best care for you and your family. To make your benefits enrollment easy and personalized, and to help you fully understand your options, Benefits Educators will be available during Open Enrollment to walk you through the process and help you enroll.
Schedule your session beginning Tuesday, February 1st to get the best date and time that works for you. All you need to do is:
OR
• Call the DirectPath Benefits Service Center at 877-884-2928.
About This Year’s Enrollment:
• Open Enrollment is February 7 - February 28. Your elections will be effective April 1st, 2023.
Open Enrollment begins February 7th!
Schedule your one-on-one, confidential phone appointment with a Benefits Educator starting Wednesday, February 1st!
OpEN ENROLLMENT
Click Here
ELIGIBILITY
VISION BENEFITS OVERVIEW
KEY DATES AND TIMING
DENTAL BENEFITS OVERVIEW
VISION
DENTAL
MEDICAL
BENEFITS
MEDICAL BENEFITS OVERVIEW
MEDICAL RATES (MONTHLY)
DENTAL MONTHLY RATES
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."
VISION RATES (MONTHLY)
You have two medical plan options: the High Plan and the Low Plan. Both plans are administered by BlueCross BlueShield (BCBS) and provide the maximum benefits when a BCBS provider is used for services.
The AGA High Plan includes both primary and secondary insurance. The secondary plan does not cover office visit or prescription drug copays or home health services.
NOTE: The out-of-pocket maximum excludes office visits and prescription drug co-pays.
Coverage Tier
RATES
Employee Only
$10.41
$14.86
$15.11
$22.52
Employee + Spouse
Employee + Children
Family
Coverage Tier
Enhanced Plan
Employee Only
$31.59
Employee + Spouse
$59.56
Employee + Children
$57.94
Family
$110.99
Basic PLAN
$29.24
$54.41
$54.31
$104.28
Coverage Tier
Premier PLAN
Employee Only
$629.22
$1,249.11
$1,152.24
$1,781.32
Employee + Spouse
Employee + Children
Family
Value PLAN
$572.30
$1,129.57
$1,047.48
$1,604.77
Click Here for the Medical Explanation Video
Frequently ASKED
QUESTIONS
What is the AGA Health Plan?
The AGA Health Plan is a high deductible plan with BlueCross BlueShield, partnered with Alliance Secondary Insurance. Combining primary and secondary insurance creates maximum savings for the plan’s participants. Please click here for a video with more detailed information!
What is secondary insurance?
Secondary insurance pays most deductibles and out-of-pocket expenses up to the policy limit after your primary medical plan has paid its covered expenses. For the AGA Health Plan, your secondary coverage pays a total of $4,000 toward your deductible and out-of-pocket maximum, meaning you only have to pay $2,800 of your own money in any given year (excluding copays).
Who is Eligible for the AGA Health Plan?
Active AGA members must have at least one common law employee to be eligible for the AGA Health Plan. Sole proprietors are not eligible to participate in the plan. It is at the member’s discretion whether to offer the AGA Health Plan to its employees. If a member chooses to offer the plan, only active employees working 30 or more hours per week are eligible to enroll.
What if I am currently enrolled in a different Health Plan, but want to elect the AGA Health Plan?
Open enrollment is a Qualifying Life Event. If your employer decides to participate and you are enrolled in another health plan, you may still be eligible to enroll in the AGA 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.
When and how do I enroll?
You have the ability to schedule an appointment with a Benefits Educator by visiting www.agabenefits.com or by calling
(877) 884-2928. During your scheduled appointment time, a Benefits Educator will assist you in enrolling in the plan.
Who should I contact if I have questions?
Questions about the AGA 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.
We know that your benefits are important to you and your family. We also know that understanding how your benefits work can sometimes be confusing. That is why we offer assistance with your benefits-related questions and enrollment. This assistance is a 30-minute, confidential phone call with a Benefits Educator and an opportunity to make sure you understand all the Company has to offer you and your family. It's simple, quick, and our way of making this an easy process for you.
To schedule your appointment, click the button below:
New Hire EnroLLmENT
Schedule Your New Hire
Appointment
PARTICIPATING EMPLOYER AGREEMENT
Active employer members of AGA who wish to participate in the AGA Health Plan 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.
Click the button below to view and sign the Participating Employer Agreement.
Once signed, please return to Patrick Pittman at ppittman@cobbsallen.com.
DOWNLOAD THE PARTICIPATING
EMPLOYER AGREEMENT
Qualified Life Event
ELIGIBILITY
EMPLOYEE ELIGIBILITY
Employees who work are eligible to participate in <2022> benefits.
DEPENDENT ELIGIBILITY
Eligible employees may also cover any legal* dependents, including:
• Your legally married spouse
• Your children, up to age 26, regardless of student or marital status
• Any children who have a mental or physical disability that meets the Social Security definition of “Disabled” and depend on you for
support
*A copy of a birth certificate or other applicable legal document may be required as proof of dependent eligibility.
KEY DATES AND TIMING
AS A NEW HIRE
Employees who work are eligible to participate in <2022> benefits.
AS PART OF OPEN ENROLLMENT
Coverage elected during the Open Enrollment period is effective . .
DESCRIPTION
• Change in coverage for you or your dependent
• Qualified Medical Child Support Order (QMSCO)
• Loss of coverage and/or eligibility under Medicare
• Medicaid or a Children’s Health Insurance Program
You cannot change your benefit elections during the plan year unless you have a Qualified Life Event in your immediate family.
Qualified Life Events include:
• Marriage, divorce, or legal separation
• Birth, death, or adoption of a dependent
• Dependent reaching age limit
• Change in employment status of you or your spouse
If you have a life status change event, you must report the change to your human resource department within 30 days of the event if you want to change coverage. Changes will be effective on the day of the event. If you do not make your changes during the 30-day change-in-status period, your changes cannot be made until the next Open Enrollment period.
1. Click the button below to download and complete the Qualifying Life Event Form..
2. Submit the completed form to saugustson@cobbsallen.com within 30 days from the date of the event.
PROCESS
DOWNLOAD THE QUALIFYING LIFE EVENT FORM
DOCUMENTS & RESOURCES
BCBS SPD
MEDICAL
BCBS PLAN MATRIX
BCBS SBC
SECONDARY TRANSAMERICA SBC
DENTAL Plan Summary
DENTAL
Vision Plan Summary
VISION
AGA BENEFITS GUIDE
AGA BENEFITS FLYER
OVERVIEW
Participating Employer Agreement
FORMS
QUALIFYING LIFE EVENT FORM
AGA Electronic BENEFITS GUIDE
DENTAL EOC