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Jump to: Medical Telemedicine Health Savings Account (HSA) Prescriptions Dental Vision Life Insurance Long Term Disability Colonial Life products


Medical

Alliance Benefits offers a high-­deductible health plan (HDHP) refered to as the Alliance Health Plan. Once the deductible has been met (including out-­of­-pocket medical and prescription costs), coinsurance begins where the plan pays a high percentage of the claim and the employee pays a smaller portion. The Alliance Health Plan also offers additional preventive services which are paid at 100%. The Alliance Health Plan offers two plan packages:

The Alliance High Deductible Premium Health Plan – includes medical, health savings account with employer contribution, prescription, dental, vision, life, and long-term disability insurance.

The Alliance High Deductible Standard Health Plan -­ includes medical, health savings account with employer contribution, prescription, and life insurance.

Those enrolled in The Alliance Health Plan will have a health savings account (HSA) serviced through Lively.

HealthComp is our third-party administrator and manages all medical claims processing. They play a strong role in keeping plan costs down by focusing on cost containment. Offering a service rather than a product, they are considered an extension of the Alliance Health Plan and have an experienced and bilingual staff of over 300. Callers will always speak with a friendly HealthComp representative without being forced to navigate through a complex menu.

HealthComp works closely with Anthem Blue Cross Blue Shield which is the Alliance Health Plan’s in-network provider. For an overview of medical coverage, please refer to page 10 and 11 of the Benefit Summary Guide. You may also review the Medical Plan Document for a full version of benefits covered under the plan.

To access HealthComp’s mobile app, click here.

Other Helpful Medical Tools:


Telemedicine

A primary goal of Alliance Benefits is to find the best possible ways to serve our Alliance Health Plan members.

Telemedicine is proving to be a cost-saving solution for healthcare needs. With costs rising at twice the rate of inflation, faster access to care is an effective alternative to doctor, urgent care, or emergency room visits. Statistics show that 40% of emergency room or urgent care visits are unnecessary and up to 85% of pediatric visits could be conducted via phone or video.

First Stop Health telemedicine service is a benefit available to those enrolled in the plan. This services provides 24/7 access to U.S.-based physicians and can help in saving healthcare dollars. First Stop Health believes access to healthcare should be convenient, affordable, and transparent.

Highlights:

  • Consultation fee of $25 if a prescription is prescribed (otherwise at no cost)
  • Completed over the phone or by video anytime, anywhere
  • No online registration required
  • Mobile app available to allow even quicker access to a doctor
  • Service is for anyone enrolled in the health plan
  • Confidential member dashboard provided
  • No more waiting days or months for an appointment

Common conditions treated:

  • Infections (ear, upper respiratory, eye, etc.)
  • Sinus or allergy-related problems
  • Sore throat and/or cough
  • Cold and flu
  • Swelling, muscle, or joint pain
  • Nausea or vomiting
  • Rashes
  • Refill of a maintenance medication
  • Other minor illnesses or injuries

For additional information, you may also refer to First Stop Health’s flyer by clicking here.

To access First Stop Health’s mobile app, click here.


Health Savings Account (HSA)

As of October 1, 2019, HSAs are serviced through Lively for those enrolled in the Alliance Health Plan.

A Health Savings Account (HSA) is a tax-­deductible savings account that can be used in conjunction with an HSA-­qualified High Deductible Health Plan (HDHP). Regulations allow you to legally reduce federal income tax by contributing funds into a health savings account as long as you are covered by an HSA-­qualified HDHP. Contributions made to your HSA through payroll deduction reduces taxable income reported on your W­2. Whatever you put directly into your account is also a tax deduction that reduces your adjusted gross income. HSAs are owned by you and can be transferred from job to job or institution to institution. It is yours for life!

The Alliance Health Plan monthly premium includes an employer HSA contribution which, over the course of the year, covers half of the deductible amount. The employer HSA contribution included in monthly premium rate equals:

  • Employee Only Plan – $1,000 per year/$84 per month
  • Employee + Spouse Plan – $2,000 per year/$167 per month
  • Employee + Child(ren) Plan – $2,000 per year/$167 per month
  • Family Plan – $2,000 per year/$167 per month

For 2020, an individual can contribute up to $3,550 in tax-free savings and families can contribute up to $7,100. If you are 55 or older, you can contribute an additional $1,000. These limits include both employer and employee contributions combined.

HSAs work with HSA-eligible health plans and are the only way to save for future health costs. You may use funds in your HSA to pay for such things as doctor visits, hospital costs, deductibles, coinsurance, and prescription drug expenses for you and any qualifying dependents. Your HSA may also be used to pay for most dental and vision expenses. For a complete list of qualified medical expenses, go to livelyme.com/whats-eligible/.

Please note that Medicare, Medicaid, and General Purpose FSAs are common disqualifiers of HSA-eligibility. Lively can answer any and all eligibility questions you have but you can also see more information here.

Lively is the “#1 User Rated HSA Provider”, focusing on great user experience and excellent customer service. They offer a modern HSA experience while keeping data secure and safe. With Lively’s many resources available (mobile app, calculators, live chat service, substantial qualified expenses list…and much more), we believe our participants will have what they need readily at their fingertips and are in great hands regarding their HSA.

Other HSA Tools

Lively has integrated with TD Ameritrade’s self-directed brokerage platform, giving you access to over 550 commission-free ETFs, over 13,000 mutual funds, stocks, bonds, CDs, etc. Regardless of what your investment strategy is, you now have several options to construct your ideal portfolio. Lively has designed a truly integrated experience which includes the ability to access an investment account directly from within Lively using Single Sign-On, so there is no need for a separate login when trying to access investments.

All enrolled employees can invest the very first dollar in their HSA account (no minimum required) if you choose to do so and there are no fees to access investments*.

*Transactional fees may apply, TD Ameritrade’s fee schedule can be found here.


Prescriptions

The Alliance Health Plan uses Express Scripts for prescription benefits and claims processing. This is a prescription benefit plan provider that makes the use of prescription drugs safer and more affordable for our members. Express Scripts handles millions of prescriptions each year through home delivery and retail pharmacies.

With The Alliance Health Plan, out-of-pocket medical and prescription costs go first toward the deductible. Once the deductible has been satisfied, coinsurance begins where the plan pays a high percentage of the claim and the employee pay a smaller portion. For more details, refer to page 11 of the Benefit Summary Guide.

The Alliance Health Plan also offers additional wellness benefits. For a list of medications that are covered at 100% and are not subject to the deductible, refer to the Preventive Drug List.

If your medication is not on the preventive list, there may be third-party resources available to you that can provide a discount (i.e., GoodRx).

You may also log in to Express-Scripts.com, select “Price a medication” under Manage Prescriptions on the menu, enter the drug name, and then follow the steps to view pricing and coverage information. The coverage and pricing information serves as a general overview of your plan.

To access Express Script’s mobile app, click here.


Dental

The Alliance Health Plan uses Delta Dental of Colorado for dental benefit coverage. Since 1954, Delta Dental has been working to improve oral health and hygiene by emphasizing preventative care, because they believe that everyone deserves to enjoy a healthy smile. They provide national dental coverage and are America’s largest and most trusted dental benefits carrier covering more Americans than any other dental benefits provider.

For details regarding The Alliance Health Plan dental coverage, refer to page 13 of Benefit Summary Guide.

Click here for information on how to access your dental benefits and use their mobile app.


Vision

The Alliance Health Plan uses the EyeMed Insight Network for vision benefit coverage. EyeMed offers the right mix of thousands of independent providers, top optical retailers, and many online options.

For details regarding The Alliance Health Plan vision coverage, refer to page 12 of the Benefit Summary Guide or by reviewing the full version of the Alliance Health Plan’s EyeMed Benefit Summary.

For a list of providers in your area, click here.

For instructions on how to use EyeMed’s mobile app, click here.


Life Insurance

Basic Life Insurance

Basic life insurance is automatically included for the employee when enrolling in the Alliance Health Plan. This coverage is a basic life and accidental death and dismemberment (AD&D) insurance policy through the Standard Life Insurance Company.

  • The basic life insurance policy for you, as an employee, is $30,000
  • You also receive $30,000 in AD&D Insurance
  • Basic life insurance is not available for your spouse

Voluntary Life Insurance

Although the Alliance Health Plan includes basic life insurance, you may wish to provide additional protection for your family. Enrollment in the Alliance Health Plan allows you to purchase additional life insurance coverage. You may purchase voluntary life for:

  • yourself up to $250,000
  • your spouse up to $50,000
  • your child(ren) up to $10,000

For more information and pricing, please refer to page 14 of the Benefit Summary Guide.

Retiree Life Insurance

Alliance Benefits offers $7,500 of basic life insurance coverage to eligible retirees, which does not reduce with age. The cost is $5.00 per month. To qualify, you must meet the following criteria:

  • You must have at least 20 years of service with the C&MA
  • You must retire from the C&MA at age 65 or older and must no longer be employed full-time by the C&MA
  • You must be enrolled in the Alliance Health Plan life insurance at the time of retirement
  • You must inform Alliance Benefits within 30 days of your retirement

For additional resources or questions, contact Alliance Benefits at (800) 700-2651 or benefits@cmalliance.org.


Long-Term Disability

Your Alliance Health Plan offers long-term disability – a safety net in the event you are unable to work due to a serious illness or injury. If you become disabled and you are a U.S. citizen, subject to approval, the C&MA long-term disability plan will pay you 60% of your salary up to $6,000 per month (including ministerial housing allowance, if applicable). You first must satisfy a 90-day waiting period before benefits will begin. Preexisting condition limitations may apply.

Definition of Disability:
You are considered disabled if, because of sickness or injury, you are unable to perform all the material duties of your regular occupation or unable to earn more than 80% of your annual salary (including housing allowance) that was in effect on the date you were disabled.

Generally, long-term disability benefits are paid until age 65 if you continue to qualify. However, if you are disabled after age 62, the following schedule of benefits applies:

Age Maximum Benefit Period
62 or under Until age 65 or 42 months if longer
63 36 months
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69 or older 12 months

Colonial Life products

The Alliance Health Plan partners with Colonial Life in offering voluntary supplemental benefit products under a group discounted rate. These products offer you solutions to help pay for your unexpected out-of-pocket costs.

Medical Gap Coverage

  • An individual hospital confinement indemnity plan that complements your core medical coverage, offering hospital, wellness, and rehabilitation benefits.

Short-Term Disability Income Replacement

  • An individual short-term disability product that replaces a portion of income if someone becomes disabled due to a covered accident or sickness.

Accident Insurance Protection

  • Designed to help you fill some of the gaps caused by increasing deductibles, co-payments, and out-of-pocket costs related to an accidental injury.

Cancer Supplemental Insurance Plans

  • A guaranteed renewable, individual cancer product that helps pay some of the direct and indirect costs related to cancer diagnosis and treatment.

For more information regarding plans available and pricing, click here. For additional questions, contact Alliance Benefits at (800) 700-2651 or benefits@cmalliance.org.