BLUE CROSS BLUE SHIELD OF ALABAMA
Group #17677
Group Health Care Plan:
The University offers a program of group medical insurance which includes both basic medical and major medical insurance for employees and their dependents. This plan does not include insurance for loss of income resulting from illness or injury.
Group medical insurance is available only to full-time permanent and full-time temporary employees. An employee’s coverage will be effective as of the first day of employment. New employees have 30 days from the date of employment to enroll in coverage. Otherwise, employee will forfeit coverage until the next open enrollment period.
Open Enrollment:
Open enrollment for health insurance starts November 1st – December 31st of each year to make changes effective January 1st. Exceptions will be made only for a qualified event such as the birth of a new baby, marriage, divorce or loss of coverage. Individuals have 30 days to enroll due to change in family status.
Waiting Period:
There is a 12 month waiting period for pre-existing condition. The waiting period is waived for an employee with prior health coverage when a certificate of credible coverage is provided.
Premiums:
The cost of health coverage is shared mutually by the employee and the University. The University’s contribution for employee coverage may be modified if budgetary constraints so dictate.
Blue Cross Blue Shield Dual Option Health Insurance Rates
*Effective for January 2013 - December 2013*
High Option
High Option Benefits - Summary
Single |
$162 |
$210 |
|---|
Employee/Child(ren) |
$417 |
$487 |
|---|
Employee/Spouse |
$555 |
$661 |
|---|
Family |
$599 |
$708 |
|---|
Base Healthy Blue Option
Base Healthy Blue Option Benefits - Summary
Single |
$56 |
$104 |
|---|
Employee/Child(ren) |
$245 |
$315 |
|---|
Employee/Spouse |
$322 |
$428 |
|---|
Family |
$327 |
$436 |
|---|
Continuation of Health Coverage (COBRA)
This plan will allow continuation of group health coverage if there is an event that may cause cancellation of coverage, (e.g. termination of employment; job change from full-time to part-time status; inactive employment beyond a 12 week period). COBRA prevents any breaks in coverage.
Out of pocket cost for COBRA High Option Plan:
Single Coverage: $614.00 per month
Employee/Child(ren): $993.00 per month
Employee/Spouse: $1,347.00 per month
Family Coverage: $1,570.00 per month
Out of pocket cost for COBRA Base Healthy Blue Plan:
Single Coverage: $505.00 per month
Employee/Child(ren): $817.00 per month
Employee/Spouse: $1,109.00 per month
Family Coverage: $1,293.00 per month