Alliance Benefits offers a high-deductible health plan (HDHP) referred 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 preventive and additional 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.
HealthComp and Anthem Blue Cross Blue Shield
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:
How To Search For A Medical Provider
Alliance Health Plan Preventive Services
What Will My Medical Bill Be?
Medical Plan Document (with amendments)
Summary of Benefit Coverage (SBC)
Notice of Privacy Practices
Archived 2019 Health Plan Information
Those enrolled in the Alliance Health Plan will have an HSA serviced through Lively.
A health savings account (HSA) is a personal savings account for health expenses. HSAs are owned by you and can be transferred from job to job or institution to institution. They are yours for life!
HSAs allow for pre-tax contributions, tax-free interest, and tax-free withdrawals (for medical expenses). In 2020, individuals can contribute up to $3,550 in tax-free savings, and families can contribute up to $7,100. Plus, if you are 55 or older, you can contribute an additional $1,000 to each level. These limits include both employer and employee contributions.
HSAs work with HSA-eligible health plans and are the only completely tax-free 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, click here.
Please note that Medicare, Medicaid, and General-Purpose flexible spending accounts are common disqualifiers of HSA eligibility. Lively can answer all eligibility questions—and you can find more information here..
An HSA helps you save for health-care expenses tax free—today and well into retirement!
Lively has integrated with TD Ameritrade’s self-directed brokerage platform, giving you access to more than 550 commission-free electronic fund transfers and over 13,000 mutual funds, stocks, bonds, CDs, and more. Regardless of your investment strategy, you now have several options to build your ideal portfolio. Lively has designed a truly integrated experience, including the ability to access an investment account directly from within Lively using Single Sign-On, so there’s no need for a separate login to access investments. All enrolled employees can invest the first dollar in their HSA account (no minimum required) if they choose, and there are no fees to access investments*.
*Transaction fees may apply. See Ameritrade’s fee schedule here.
Phone: (888) 576-4837
First Stop Health
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.
Common conditions treated:
For additional information, you may also refer to First Stop Health’s flyer by clicking here.×
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.×
Delta Dental of Colorado
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.×
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.
For a list of providers in your area, click here.
For instructions on how to use EyeMed’s mobile app, click here.×
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.
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:
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:
For additional resources or questions, contact Alliance Benefits at (800) 700-2651 or firstname.lastname@example.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|
|69 or older||12 months|
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