USA Health and Dental Plan

 

 

Teledoc and Telehealth: Understanding the Difference

 

Transparency in Coverage Rule

The link below leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

USA Choice Plan

University of South Alabama

63-0477348

https://www.bcbsal.org/web/tcr

 

Frequently Asked Questions

▼   Are employee premiums changing for 2022? NEW!!!!

Open Enrollment for the USA Choice Plan (Base & Standard), USA Select Plan, and SouthFlex begins on Monday, November 1, 2021. If you do not wish to make any changes to your health/dental insurance, no action is required. Employees should have received the 2022 Open Enrollment/Rate Announcement and the Benefits & Wellness Open Enrollment Guide at their home address, which provides detailed information about benefit updates, and other items of interest. For new enrollments effective January 1, 2022, premiums will be deducted from bi-weekly paid employees in the month of December since premiums are paid one month in advance.

Your USA Fringe Benefits Committee (FBC) recommended, and the USA Board of Trustees and Interim President Dr. John Smith approved, an employee premium increase of $4 per month for single coverage and $14 per month for family coverage for employees enrolled in the current Base and Standard plans for the 2022 plan year. The USA Select plan will have no increase in premiums for the 2022 plan year.

In addition to the modest employee premium increase, your USA Fringe Benefits Committee (FBC) recommended, and Interim President Dr. Smith approved, the following changes that have been adopted for the 2022 plan year:

  • The Base and Standard Plans will blend into one plan effective January 1, 2022, called the USA Choice Plan. At this time, the premium rate structure will remain with a base and standard premium based on the employee’s date of employment.
  • Employees with base premiums that elect the USA Select Plan and later make a change back to the USA Choice plan will be required to have standard premiums. 
  • The out-of-pocket maximum for major medical expenses in the USA Choice Plan will increase from $1,850 to $2,250 for individuals and from $3,700 to $4,500 for families. 
USA Choice Plan - Base Premiums (employee hired before 1/1/2013)
 
  • Single coverage premiums will be $122 per month ($172 per month without the non-tobacco wellness incentive)
  • Family coverage premiums will be $408 per month ($458 per month without the non-tobacco wellness incentive)
  • The University's monthly contribution to the USA Choice Plan - Base Premiums will increase to $557 for single and $1,193 for family coverage
USA Choice Plan - Standard Premiums (employees hired on or after 1/1/2013)
 
  • Single coverage will be $142 per month ($192 per month without the non-tobacco wellness incentive)
  • Family coverage will be $472 per month ($522 per month without the non-tobacco wellness incentive)
  • The University's monthly contribution to the USA Choice Plan - Standard Premiums will increase to $535 for single and $1,061 for family coverage

Premiums for health and dental coverage are paid one month in advance and the employee contribution for bi-weekly paid employees is split equally between the first two paydays of the month. The employee contribution is exempt from federal, state and FICA taxes with participation in the Premium Conversion Plan (automatic enrollment).

If you do not want to make any changes to your existing USA Health & Dental Plan coverage, no action is required. 

Wellness Incentive

The USA Choice Plan and the USA Select Plan implemented a Tobacco Cessation Program to help participants stop the use of tobacco. The program includes a wellness incentive that reduces the employee premium cost sharing by $50 per month, if both the employee and covered spouse do not use tobacco products. As a current USA health insurance member, if you are not receiving the wellness incentive and both you and your covered spouse do not use tobacco products (and have not for at least six months), you must complete the Tobacco Declaration Form.  No action is required by employees that currently receive the wellness incentive.

The USA Choice Plan and the USA Select Plan are committed to helping you achieve your best health. Rewards for participating in the Wellness Incentive Program are available to all employees. If you think you may be unable to meet the standard for the reward under this program, you may qualify for an opportunity to earn the same reward by different means. Contact the Human Resources Department for additional information.

The USA Choice Plan and the Select Plan along with other plan information is available in Human Resources on campus and at USA Health Human Resources.

University of South Alabama
USA Choice Plan - Plan Benefits (effective 1/1/2022)
USA Select Plan - Plan Benefits 
Glossary of Health Coverage and Medical Terms 

USA Health & Dental Plan Enrollment/Change Forms must be received in Human Resources no later than 4:30 p.m. on Monday, November 30, 2021. 

Human Resources office addresses

 

▼   Pharmacy Benefit: Deductible and 6-tier copay structure New!!!!

USA Choice Plan and the USA Select Plan – Pharmacy Benefit changes effective January 1, 2022

The USA Choice Plan and the USA Select Plan pharmacy annual deductible will be $100 per individual (maximum of 3 per family).

The USA Choice Plan and the USA Select Plan copay structure for pharmacy benefits will change to a 6-tier plan:
• Generic (preferred) COPAY $10
• Generic (non-preferred) COPAY $10
• Preferred Brand Name COPAY $50
• Non-Preferred Brand Name COPAY $75
• Specialty (preferred) COPAY $150
• Specialty (non-preferred) 50% COINSURANCE

▼   Who is eligible for health insurance coverage?

Employees are eligible for participation in the USA Choice Plan or the USA Select Plan based solely on hours of service. The Affordable Care Act requires an offer of coverage to employees credited with 30 hours of service per week or 130 hours of service per month on average. The Plans may defer the offer of coverage if the employee is determined as having “variable hours” in which case benefits-eligible status will be determined using a 12-month measurement period with a corresponding 12-month coverage period in compliance with the Affordable Care Act.

Eligible Employees include:

  • An employee with a specific appointment with no termination date, occupying a permanently budgeted position, and working a minimum of 30 hours per week on a regular basis.
  • An employee with an employment start date on or after January 1, 2013, who is credited with 30 hours of service per week or 130 hours of service per month on average.

Eligible Employees may also enroll their legal spouse, as recognized by the state of Alabama, and children under age 26. Coverage with the selected Plan will begin on the first day of the month following the first day of employment, contingent upon timely application to the Human Resources department and payment of any required employee contribution.

▼   When will my medical/dental coverage be effective if I am a new employee?
Coverage with the selected Plan will begin on the first day of the month following the first day of employment, contingent upon timely application to the Human Resources department and payment of any required employee contribution.
▼   What is premium conversion?
The USA Choice Plan and the USA Select Plan premiums are deducted before any Federal, State or Social Security taxes are withheld. Your gross income is reduced by the amount of your premiums and therefore, you pay fewer taxes. New employees are automatically enrolled in Premium Conversion. However, Premium Conversion is optional for employees. Contact the Human Resources department for information regarding opting out of Premium Conversion.
▼   Who are eligible dependents for the USA sponsored health plans?
  • Spouse – As recognized by the state of Alabama.
  • Dependent child –
    • Your natural-born child under the age of 26.
    • Your stepchild under the age of 26.
    • Your legally adopted child, including a legally adopted child living with you as the adopting parent, during a period of probation.
    • A child under age 26 over whom you have legal guardian status by court appointment.
    • A child under age 26 for whom you are legally required to provide health insurance coverage pursuant to a Qualified Medical Child Support Order (QMCSO).
    • Your disabled child of any age provided the disability commenced prior to age 19. Coverage under the Plan continues without interruption for the duration of the disability as long as the employee maintains dependent coverage.
▼   If I am not a new employee, when can I enroll in the USA sponsored health plans?

You may enroll in a selected plan, enroll your eligible dependents or terminate coverage for yourself or a dependent when certain events cause a Change-In-Status. To make an enrollment change due to a Change-in-Status event, you must make application and provide documented proof of the Change-In-Status event to the Human Resources department within 30 days of the event. The effective date of the election would be the date of the qualifying event. If you fail to notify Human Resources within 30 days of the qualifying event, you must wait until the Open Enrollment Period.

Some examples of qualifying events include, but are not limited to:

  • Marriage / Divorce
  • Birth of Child
  • Adoption or placement for adoption
  • Death
  • Change in your spouse’s employment status
▼   When is the Open Enrollment Period?

There is a one-month Open Enrollment Period, usually the month of November, during which an employee may enroll in the USA Choice Plan, or the USA Select Plan, and/or add eligible dependents. During this period, you may file an application with the Human Resources department and coverage will begin on the first day of the following calendar year. During this time, employees can also re-enroll in SouthFlex Flexible Spending Accounts if they wish to participate the following calendar year.

▼   How do I sign up for my benefits?

All new employees must complete New Employee Orientation. During orientation, you will have the opportunity to complete enrollment forms. You will be notified as to the date/time of your scheduled orientation.

▼   How much is the monthly premium and how is it deducted from my paycheck?
USA Choice Plan - Base Premiums (employees hired prior to 1/1/13) Single Family
Non-Tobacco $122 $408
Tobacco $172 $458
USA Choice - Standard Premiums (employees hired on or after 1/1/13) Single Family
Non-Tobacco $142 $472
Tobacco $192 $522

Note: Premiums for health & dental insurance are pre-tax dollars and are paid one month in advance so the initial deduction may reflect a retroactive adjustment.

▼   How does the Tobacco Cessation program/wellness incentive work?

The University of South Alabama encourages all employees to adopt healthy lifestyle choices. That effort will benefit you, your family and your fellow employees. The University’s Fringe Benefits Committee recommended, and the University adopted, a tobacco cessation program which is intended to help employees stop using tobacco products. Tobacco use and especially smoking will increase your risk of heart disease, stroke, respiratory diseases such as emphysema and bronchitis, as well as cancer including: lung, throat, mouth, esophagus, pancreas, bladder, and leukemia. The benefits from stopping the use of tobacco are almost immediate regardless of how long you have been smoking or using tobacco.

For new employees the Tobacco Declaration information/election is provided within the USA Health & Dental insurance enrollment form.

Existing employees that do not currently participate in this wellness incentive may begin participation by completing the Tobacco Declaration form. On this form employees will declare that they and their covered spouse do not use tobacco products; and have not used tobacco products within six months prior to the date on the form. This will qualify for a wellness incentive of $50 per month (one per family). The wellness incentive will be applied to the monthly insurance premium effective the pay period following the date on the Tobacco Declaration form (payroll deadlines can affect when this discount will be applied).

For employees enrolled in any of the University sponsored health plans seeking assistance with tobacco cessation please call 866) 784-8454 or visit  https://www.quitnow.net/Alabama to obtain information about the Blue Cross Blue Shield - Quit for Life Program. The Program is provided at no cost to employees and covered spouses who want to stop using tobacco products and offers a 24-hour support hotline, customized phone counseling sessions and nicotine replacement patches, gum or lozenges.

For additional tobacco cessation resources you may also contact the Employee Assistance Program office at 461-1346.

▼   If I resign, terminate employment or retire, when would my coverage end?

Premiums for health & dental insurance are paid one month in advance. Your cancellation date will be based on your last day of employment. Example: If your last day of employment is December 14, your last paycheck will be December 30. Premiums paid in December through payroll deduction have paid for coverage for January. Your insurance will cancel effective January 31.

Note: The above information applies only to employees in a paid status. For employees on a leave of absence in an unpaid status, please contact Human Resources for an effective date of cancellation. 

▼   BCBS of Alabama Mobile Apps and Online Tools

Take Blue With You Mobile App: Get on-the-go access to health information and tools available on your smartphone or mobile device. Members and non-members can download for free to access must-have tools and features. They'll help you be prepared for almost anything!

Baby Yourself Mobile App: Track your pregnancy and baby's development to ensure the best possible health during pregnancy. This app is available to all expectant mothers—members and non-members.

myBlueCross: Log in to myBlueCross, where it really is all about you!

 

General Information
Tips for Safely Getting Childhood Vaccinations During the Pandemic
Tips for Safely Getting a Pneumonia Vaccination During the Pandemic
Glossary of Health Coverage and Medical Terms
Identity Protection Services
2022 Summary of Benefits and Coverage - Choice Plan #78380
USA Health and Dental Plan Notice of Privacy Practices
University of South Alabama Notice of Exchange
HealthCare Management, LLC Notice of Exchange
Health Care Authority Notice of Exchange
Notice of Nondiscrimination