View Your Benefits
Qualified Life Event
OPEN Enrollment
DOCUMENTS & FORMS
NEW HIRE Enrollment
YEAR-ROUND ADVOCACY
REVIEW YOUR BENEFIT OPTIONs
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
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. HBAA 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 12 - JULY 21
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
HBAA 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, June 12th to get the best date and time that works for you. All you need to do is: • Click Here, or • Call the DirectPath Benefits Service Center at (855) 669-1456 . About This Year’s Enrollment: • Open Enrollment is June 12th - July 21st. Your elections will be effective August 1, 2023. • The HBAA open enrollment is passive for 2023, meaning no action is required for existing plan participants. Benefits will rollover with the current elections for the new plan year beginning August 1, 2023.
Open Enrollment begins June 12!
Schedule your one-on-one, confidential phone appointment with a Benefits Educator starting Monday, June 12th!
OpEN ENROLLMENT
ELIGIBILITY
VISION BENEFITS OVERVIEW
KEY DATES AND TIMING
DENTAL BENEFITS OVERVIEW
VISION
DENTAL
MEDICAL
BENEFITS
MEDICAL BENEFITS OVERVIEW
MEDICAL 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 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 HBAA 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
$9.21
Employee + Spouse
$12.94
Employee + Children
$13.15
Family
$19.36
HIGH PLAN
$30.57
$60.00
$81.97
$119.05
LoW PLAN
$26.14
$49.78
$68.05
$98.83
Under 40
LOW PLAN
$544.63 $1,074.27 $996.33 $1,525.96
40-49
50+
$586.80 $1,153.33 $1,078.14 $1,642.54
$605.45 $1,189.68 $1,105.99 $1,681.27
$646.01 $1,272.33 $1,145.07 $1,765.86
Frequently ASKED QUESTIONS
What is the HBAA Health Plan? The HBAA Health Plan is a high deductible plan with BlueCross BlueShield of Alabama. There is a secondary insurance option offered through Nationwide 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 HBAA 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 $2,000 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 watch a video presentation explaining secondary insurance in more detail. Who is Eligible for the HBAA Health Plan? HBAA members who are directly involved in the home building trade are eligible for the HBAA Health Plan. For example, home builders, sub-contractors, or material suppliers would be eligible for the plan. Members must have at least one common law employee to be eligible for the HBAA 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 hbaa@cobbsallen.com. What if I’m already offering a small group health plan to my employees? You may transfer to the HBAA 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 HBAA 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 HBAA 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 HBAA Health Plan renews August 1, and our Open Enrollment is held in June/July 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.buildershealthtrust.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/terms/changes of any employees who elected the plan or terminated each month. This will ensure each group is billed the appropriate amount each pay period. These census 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 HBAA 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 HBAA who wish to participate in the HBAA 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 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
BCBS PLAN MATRIX
BCBS SBC
SECONDARY NATIONWIDE SBC
DENTAL HIGH PLAN SPD
DENTAL LOW PLAN SPD
VSP SBC
VSP SPD
HBAA BENEFITS GUIDE
HBAA ELECTRONIC BENEFITS GUIDE
HBAA HEALTH PLAN OVERVIEW
OVERVIEW
Participating Employer Agreement
FORMS
QUALIFYING LIFE EVENT FORM
HBAA BENEFITS GUIDE – SPANISH
