FREQUENTLY ASKED QUESTIONS
What are the AFA Health Plans?
In collaboration with Blue Cross Blue Shield (BCBS), AFA is offering three medical plan options for 2025, tailored to meet a range of coverage and budget needs:
Access 500: Comprehensive BCBS coverage.
Premier Plan: BCBS coverage with secondary support through Alliance.
Value Plan: Affordable BCBS coverage with essential benefits.
Access 500 has a $500 deductible and has the most copays to offset the participants out-of-pocket spend throughout the plan year. The Premier & Value Plan’s have $7,500 deductible and is more of a catastrophic coverage. The Premier Plan include secondary coverage through Alliance which is designed to save both premium and out-of-pocket spend.
What is secondary insurance?
Secondary insurance through Alliance 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 AFA Premier Plan, your secondary coverage pays a total of $7,500 toward your deductible and out-of-pocket maximum, meaning you only have to pay $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.
Who is Eligible for the AFA Health Plan? Active AFA member companies who have at least one common law employee are eligible for the AFA Health Plan. Sole proprietors must have at least one common law employee to participate in the plan. Please contact Harmon Dennis Bradshaw with questions. Participation and Eligibility Continued Under 50 employees There is no requirement for offering coverage to all employees, nor is there a set amount of money that an employer must contribute toward health coverage. 50 or more employees An employer must offer coverage to “substantially all” of their employees, meaning a maximum of 5 employees not offered coverage. An employer must offer a plan at a cost that is no more than 9.61% of their employee’s take-home income.
What if I’m already offering a small group health plan to my employees? You may transfer to the AFA Plan by submitting a Current Health Census to Harmon Dennis Bradshaw. Please note that you must notify all impacted employees of this change and allow them the option to opt out.
What if I am currently enrolled in a different Health Plan, but want to elect the AFA 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 AFA 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? Open Enrollment for an effective date of January 1, 2025 will be held during November of 2024. To enroll, please contact a Harmon Dennis Bradshaw Consultant below.
Phone: 334-517-1846 - Hayden Tipton with Harmon Dennis Bradshaw
Email:AFA@HDBInsurance.com
What to do to add/remove employees from the benefit? How is the benefit offered to new hires? Members will be responsible for submitting adds/terms/changes of any employee who elected the plan or terminated each month. This will ensure each group is billed the appropriate amount each month. Changes can be made in the Ease portal. Have questions? Reach out to our team any time:
Phone: 334-517-1846 - Hayden Tipton with Harmon Dennis Bradshaw
Email:AFA@HDBInsurance.com
How do I pay my premium? Each member company will be assigned a login to the EASE portal. 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 AFA Health Plan and its benefits can be directed to Hayden Tipton with Harmon Dennis Bradshaw. 334-517-1846