Watch the Video
Cobbs Allen Benefits Consultant Matt Cate explains the HBAA Health Plan benefits and enrollment process
Step
1
Review Your 2022 Benefit Options
Step
2
See the ARAA 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 ARBA 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 ARBA Health Plan, how to enroll and more!
New Hire and qualifying life events
Step
4
Press
below to watch a
brief video!
Complete Participating Employer Agreement
Employers must submit an agreement before employees are eligible to enroll.
Existing Member?
Click here to access payment portal.
OPEN ENROLLMENT June 28 –
July 28, 2021
Please click here to learn more about New Hire and Qualifying Life Events.
Dental Benefits Overview
Vision Benefits Overview
Plan Documents
Medical Benefits Overview
Benefits
The ARBA is pleased to offer our members medical plan coverage through BlueCross BlueShield, dental coverage through Delta Dental, 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
Coverage Tier
High Plan
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
In-Network
Out-of-Network
Medical Benefits Overview
High Plan
Low Plan
Monthly Medical Rates - High Plan
Monthly Medical Rates - Low Plan
New 2020 Renewal RAtes Coming Soon!
Coverage Tier
Click Here to view the VSP SBC
Click Here to view the VSP SPD
Click Here to view the Dental Low Plan SPD
Click Here to view the Dental High Plan SPD
Click Here to view the
BCBS Plan Matrix
Click Here to view the
BCBS SPD
Click Here to view the
BCBS SBC
Click Here to view the
Secondary TransAmerica SBC
Click Here to view the ARBA
Health Plan Overview
Click Here to view the 2022 ARBA Benefit Guide - electronic magazine
Click Here to view the 2022
ARBA Benefit Guide - pdf
Open Enrollment Coming Soon!
July 1 - July 24
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Premier Plan
Value Plan
Click Here to view the Delta Dental SPD
Click Here to view the Dental Low Plan Highlights
Click Here to view the Dental High Plan Highlights
FAQ
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What is the ARBA Health Plan?
The ARBA Health Plan is a high deductible plan with BlueCross BlueShield. There is a secondary insurance option offered through TransAmerica Insurance that can be elected to increase the benefit of the BCBS plan. Combining primary and secondary insurance creates maximum savings for the plan’s participants.
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 ARBA Health Plan, your secondary coverage pays a total of $3,500 toward your deductible and out-of-pocket maximum, meaning you only have pay $2,500 of your own money. To receive full benefits, be sure to give your doctor both your primary insurance card and your secondary insurance card. Click here to view the secondary explanation chart.
Who is Eligible for the ARBA Health Plan?
All ARBA members who have at least one common law employee are eligible for the ARBA Health Plan. Sole proprietors without at least one common law employee are not eligible to participate in the plan.
Employers must complete a participating employer agreement prior to open enrollment. Please contact Patrick Pittman for more information at
ppitman@cobbsallen.com.
What if I’m already offering a group health plan to my employees?
You may transfer to the ARBA 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 ARBA 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 ARBA 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 ARBA Health Plan renews January 1, and our open enrollment is held in November each year. Open enrollment is the one time per year we are allowed to onboard new members to the plans. 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.arbabenefits.com. 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 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 ARBA.
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 ARBA 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.
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Open Enrollment Dates: July 7th - July 28th
Please contact Patrick Pittman at ppittman@cobbsallen.com or 205-874-1268 for more information.
Qualifying Life Event
Click here to download the form to complete your Qualifying Life Event. Please email the completed form to saugustson@cobbsallen.com
OPEN enrollment
and Qualifying Life
Event Enrollment
New Hire Appointment
Click here to schedule your
New Hire Appointment
Active employer members of ARBA who wish to participate in the ARBA 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.
Once signed, please return to Patrick Pittman at ppittman@cobbsallen.com.
Complete Participating Employer Agreement
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Participating Employer Agreement
Click here to download the
Participating Employer Agreement here.
