Blue Cross Blue Shield of Alabama
Summary of Benefits
Blue Cross Blue Shield of Alabama offers employees coverage with Preferred Medical Doctor Services (PMD) and a PPO out of state network. For a detailed information and exclusions, please refer to the Blue Cross/Blue Shield Summary Plan Description below.
When traveling outside the United States, Faculty and Staff will have access to healthcare providers and emergency medical services through the BlueCard Worldwide®Program. For more information regarding claims processing and to search for a provider or hospital, click here.
The University requires all regular full-time employees to carry health insurance as a condition of employment. Waiver of this policy may be granted for those who provide evidence of substantially equivalent coverage through another group or an individual policy. Enrollment must occur within the first 30 days of employment or within 30 days of a family status change (marriage, divorce, birth, death, or loss of coverage). Coverage may begin the effective date of employment or the first day of the following month.
Health Insurance Open Enrollment is held between mid-October through mid-November each year with changes to be effective January 1st. Individuals wishing to add or delete dependent coverage due to a change in family status (marriage, divorce, birth of children) may do so outside of open enrollment within 30 days of the status change.
Employee and UAH share the cost, with UAH contributing a fixed amount each month toward the single and family contracts. Employee contributions are made from pre-tax dollars meaning no state or federal taxes are paid on premiums.
|Medical Insurance Premiums for 2013 Plan Year|
|Type of Coverage||Total Monthly Premium||Total Bi-Weekly Premium||UAH Pays Bi-Weekly||Employee Pays Bi-Weekly|
|Family (salary less than 20k)||$969.73||$447.50||$371.50||$76.00|
|Family (salary 20k - 40k)||$969.73||$447.50||$321.00||$126.50|
|Family (salary over 40k)||$969.73||$447.50||$285.00||$162.50|
There is a 90-day waiting period for pre-existing conditions for participants over the age of 19. The waiting period is waived for employees transferring from other medical coverage if they provide a "certificate of coverage" from the prior health insurance carrier and there was not a lapse in coverage of more than 63 days.
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