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QLE Process
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Your benefit needs are unique to you and your family. ALVMA 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: October 9 - November 10
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
BCBS Wellness Tools
Only two weeks left in Open Enrollment!
ALVMA 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 Monday, October 9th to get the best date and time that works for you. All you need to do is: • Click Here, or • Call the Optavise Benefits Service Center at (855) 669-1456 . About This Year’s Enrollment: • Open Enrollment is October 18th - November 10th. Your elections will becoming effective January 1, 2024. • This is an active open enrollment, meaning that you must enroll during the ALVMA open enrollment period to receive benefits effective January 1, 2024.
Open Enrollment begins October 18th!
Schedule your one-on-one, confidential phone appointment with a Benefits Educator starting Monday, October 9th!
OpEN ENROLLMENT
ELIGIBILITY
VISION BENEFITS OVERVIEW
KEY DATES AND TIMING
DENTAL BENEFITS OVERVIEW
VISION
DENTAL
MEDICAL
BENEFITS
MEDICAL BENEFITS OVERVIEW
MEDICAL PLAN RATES (MONTHLY)
High Plan
Low Plan
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 three medical plan options: the Premier Plan, the Value Plus Plan and the Value Plan. All plans are administered by BlueCross BlueShield (BCBS) and provide the maximum benefits when a BCBS provider is used for services. The ALVMA Value Plus Plan includes both primary and secondary insurance. The secondary plan does not cover office visits 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
$11.35
Employee + Spouse
$16.37
Employee + Children
$16.65
Family
$25.00
enhanced PLAN
$29.10
$58.23
$75.90
$110.71
basic PLAN
$24.25
$48.51
$62.64
$91.45
Premier PLAN
Value Plus PLAN
$602.22 $1,259.85 $1,034.55 $1,759.60
$691.49 $1,442.36 $1,171.15 $2,034.47
Value PLAN
$531.32 $1,102.80 $897.26 $1,553.96
Frequently ASKED QUESTIONS
What is the ALVMA Health Plan? ALVMA offers three Health Plans. A traditional copay plan with BCBS of Alabama, a higher deductible BCBS of Alabama Health Plan paired with a secondary insurance option, and the BCBS of Alabama higher deductible plan as a stand-alone option. The secondary insurance is offered through OptiMed and creates maximum savings for the plan’s participants. Open Enrollment Presentation Video 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 ALVMA High Plan, your secondary coverage pays a total of $5,000 toward your deductible and out-of-pocket maximum, meaning you only have to pay $1,800 of your own money. To receive full benefits, be sure to give your doctor both your primary insurance card and your secondary insurance card. Who is Eligible for the ALVMA Health Plan? ALVMA members who are directly involved in a veterinary medicine practice are eligible for the ALVMA Health Plan. Members must have at least one common law employee to be eligible for the ALVMA Health Plan. Sole proprietors without at least one common law employee are not eligible to participate in the plan. Please contact Patrick Pittman for more information at alvma@cobbsallen.com. What if I’m already offering a small group health plan to my employees? You may transfer to the ALVMA Plan by submitting a Current Health Census here. 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. Could I elect Dental, without participating in the Medical Plan? Yes. Both Dental and Medical can be elected separate of each other, or together if preferred. Can Vision be elected as a solitary benefit? Vision can only be elected if Medical and/or Dental is elected. It cannot be elected by itself. What if I am currently enrolled in a different Health Plan, but want to elect the ALVMA 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 ALVMA 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? The ALVMA Health Plan renews January 1, and our Open Enrollment is held in October/November each year. Open enrollment is the one time per year we are allowed to onboard new members to the plan. If your company is an existing plan member and has a new hire, you have the ability to schedule an appointment with a Benefits Educator by visiting www.alvmabenefits.com or by calling (877) 884-2928. During your scheduled appointment time, a Benefits Educator will assist you in enrolling in the plan. 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 adds, terminations, and changes for their employees each month. This will ensure each group is billed the appropriate amount each pay period. These updates will be submitted to Scot Augustson at saugustson@cobbsallen.com. 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 ALVMA Health Plan and its benefits can be directed to a Cobbs Allen Benefits Consultant: Scot Augustson | 205-874-1973 | saugustson@cobbsallen.com Samantha Carlisle | 205-874-1227 | scarlisle@cobbsallen.com Questions about how to book your enrollment appointment can be directed to an Optavise 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 ALVMA who wish to participate in the ALVMA 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 Scot Augustson at saugustson@cobbsallen.com.
DOWNLOAD THE PARTICIPATING EMPLOYER AGREEMENT
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.
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 qualified life event, you must report the change to your human resources department within 30 days of the event if you want to change coverage. Changes will become 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 Value & Value Plus Plan SPD
BCBS Premier PLAN SPD
OptiMed Value Plus
DENTAL HIGH PLAN SPD
DENTAL LOW PLAN SPD
VSP SBC
VSP SPD
ALVMA BENEFITS GUIDE
ALVMA ELECTRONIC BENEFITS GUIDE
ALVMA HEALTH PLAN OVERVIEW
OVERVIEW
Participating Employer Agreement
FORMS
QUALIFYING LIFE EVENT FORM
DENTAL Certificate of Coverage