Health Plan Resources
Understanding Your Plan
Your health plan is designed to support your overall well-being, and understanding how it works can help you make care choices that fit your needs today and support a healthier tomorrow.
The Alliance Health Plan offers two plan packages
We offer two High-Deductible Health Plans (HDHPs): Silver and Bronze. Each plan has two coverage options: Premium and Standard.
These options reflect how much coverage the plan provides.
Health Plan Details
For plan details, review the Summary of Benefits and Coverage (SBC) for the Silver Plan or Bronze Plan based on your coverage.
Medical
CareFactor
Alliance Benefits partners with CareFactor, a third-party administrator (TPA), to help manage our health plans.
With CareFactor, you have access to two provider networks—offering a broad range of healthcare professionals and specialists based on where you live:
- Medical Mutual (SuperMed PPO) is the provider network for Ohio residents and select Kentucky ZIP codes
- Cigna (Choice Fund PPO) is the provider network for residents in all other U.S. locations
You have the freedom to see any doctor or facility without needing a referral. However, staying in-network can help you reduce your out-of-pocket costs. If you choose an out-of-network provider, your costs will typically be higher. Be sure to confirm your provider’s network status before receiving care to avoid unexpected expenses.
Contact Information
CareFactor
(877) 304-0761
[email protected]
mycarefactor.com
You receive a CareFactor ID card in the mail after you enroll. Your ID card will contain prescription and provider network information. If you lost your card or never received it, please contact CareFactor.
Prescription
MedOne
MedOne manages our Prescription Drug Benefit to help ensure members receive affordable, high-quality medications.
If you choose a brand-name drug when a generic equivalent is available, you will pay the generic co-pay plus the cost difference between the two. This additional amount does not apply toward your deductible or out-of-pocket maximum.
Our Specialty Drug Benefit is managed through the MedOne RxAlly® Patient Assistance Program, which helps members access high-cost specialty medications used to treat complex conditions such as cancer, multiple sclerosis, or rheumatoid arthritis.
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 information, refer to page 11 of the 2026 Benefit Summary Guide.
For a list of medications that are covered at 100% and are not subject to the deductible, refer to the 2026 Preventive Drug List.
Contact Information
MedOne
(866) 335-9057
medone-rx.com
Check to see how your medication is covered with just a few clicks. Visit the Drug Lookup and enter your group ID: XXMCFCHRMA
Dental
Delta Dental of Colorado
Alliance Benefits offers a Dental PPO by Delta Dental® of Colorado. You have the freedom to choose any licensed dentist, but you will pay less if you use a dentist who is an in-network PPO provider.
Regular dental exams can help you and your dentist detect problems in the early stages when treatment is simpler, and costs are lower.
There are three levels to choose from:
- PPO Dentist: Payment is based on the PPO dentist’s allowable fee, or the actual fee charged, whichever is less.
- Premier Dentist: Payment is based on the Premier Maximum Plan Allowance (MPA), or the actual fee charged, whichever is less.
- Non-Participating Dentist: Payment is based on the non-participating Maximum Plan Allowance. Members are responsible for the difference between the non-participation MPA, and the full fee charged by the dentist.
For more information, refer to page 13 of 2026 Benefit Summary Guide.
Contact Information
Delta Dental of Colorado
(800) 610-0201
deltadentalco.com
You receive a Delta Dental ID card in the mail after you enroll. If you lost your card or never received it, please contact Alliance Benefits.
Vision
EyeMed
The Alliance Health Plan uses the EyeMed® Insight Network for vision benefit coverage. Choose the brands and services you want with thousands of in-network independent eye doctors, top optical retailers, and a variety of online providers.
For more information, refer to page 15 of 2026 Benefit Summary Guide.
Contact Information
EyeMed
(866) 939-3633
eyemed.com
You receive an EyeMed ID card in the mail after you enroll. If you lost your card or never received it, please contact Alliance Benefits.
Telemedicine
First Stop Health
First Stop Health gives you and your immediate family members quick access to quality care. Whether you need a doctor, therapist, or health coach, you can connect with licensed providers in minutes—without the hassle of scheduling or paying out of pocket. Download the app to receive 24/7 virtual care at no additional cost to you!
Contact Information
Health Savings Account
Lively
A Health Savings Account (HSA) is a tax-advantaged savings account that helps you pay for qualified medical expenses. It’s designed to work with your health plan.
Contributions
HSA contributions are made through a pre-tax payroll deduction. The IRS has set the 2026 HSA contribution limits at:
- $4,400 for individual coverage
- $8,750 for family coverage
- +$1,000 catch-up if you’re 55 or older
These limits include both your contributions and your employer’s. Be sure to check how much your employer is contributing so you don’t exceed the annual limit. Contact your employer to change your monthly contribution amount.
Eligible Expenses
Your HSA can be used to pay for doctor visits, hospital costs, prescriptions, and thousands of eligible health and care items while saving you money. Search Lively’s list of qualified medical expenses to see what’s covered, as defined by the IRS.
Use your Lively HSA debit card to pay for expenses directly. If you prefer to use another payment method, you can submit the receipt through your Lively app to get reimbursed.
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!
Grow Your HSA with Lively Investing
Lively gives you the power to grow your HSA funds through investing—so your healthcare savings can work harder for you. You can start investing from day one, with no minimum balance required. Lively offers two investment options:
- Schwab Health Savings Brokerage Account: A self-directed investment option through Charles Schwab, ideal for hands-on investors.
- HSA Guided Portfolio by Devenir: A guided investment solution for those who prefer a hands-off approach.
Contact Information
HSA Resources
Wellness
Workpartners LifeSolutions
We partner with Workpartners to provide a holistic approach to your overall health—including wellness programs and discounts. All this is available at no cost to you.
WELLNESS PROGRAM
The “Take a Healthy Step” program supports your well-being with incentivized activities such as annual exams, preventative screenings, increasing physical activity, eating better, and reducing stress. When you complete the program, you receive a bonus employer contribution to your Health Savings Account (HSA). Incentive amounts vary based on coverage tier:
- Employees with employee-only coverage receive $250
- Employees covering child(ren) receive $500
- Employees covering a spouse receive $250 per spouse, up to $500 if both complete the program
The program has two levels:
- Level 1: Complete the MyHealth Questionnaire (Online Health Assessment)
- Level 2: Earn an additional 200 points from any items on the incentives list
Visit workpartners.com/cma to start earning points. To create an account, you need a Workpartners ID. You receive an ID card in the mail from Workpartners after you enroll in the Alliance Health Plan. If you lost your card, please call Workpartners to receive your ID number. Spouses have their own individual ID card and separate account login.
All participants in the health plan—including spouses—are eligible to earn incentive points. Spouses have their own individual ID card and separate account login. Please allow up to 60 days for your HSA contribution to process and transfer.
WELLNESS DISCOUNTS
You have access to health and wellness discount programs:
- Active&Fit Direct: Choose from thousands of gyms and studios nationwide. Switch or cancel anytime for $28/mo. Log in to your Workpartners account to sign up.
- ChooseHealthy: Save on popular health and fitness brands with exclusive wellness promotions and deals. Log in to your Workpartners account to shop.
Contact Information
(844) 833-0527
[email protected]
workpartners.com/cma
After you enroll in the Alliance Health Plan, you will receive a Workpartners ID card in the mail. Use the ID number on your card to create your account. Spouses will receive their own ID cards and must set up separate logins. Please allow up to 30 days for your card to arrive.
Employee Assistance Program
LifeSolutions
Life can be challenging, but there are resources available to you. Alliance Benefits partners with Workpartners to bring you LifeSolutions—an Employee Assistance Program (EAP) offering services to address every aspect of your well-being:
- Short-term coaching and counseling services
- Support over the phone
- Online resource center
EAP Counselors assist you with:
- Marital and relationship issues
- Stress management
- Family, parenting problems, and caregiving support
- Alcohol and drug abuse
- Work relationships
- Legal and financial discounts and consultations
- Assistance with referrals for essential services, including childcare, education, and adoption resources
Participation is voluntary and confidential. Services are available to you and members of your household at no additional cost.
Contact Information
Clinical Support Program
KnovaSolutions
Healthcare can be overwhelming, but you don’t have to face it alone. Alliance Benefits partners with Workpartners to bring you KnovaSolutions—a confidential service offering clinical decision support from experienced clinicians to help you:
- Understand your conditions, treatments, and medications
- Navigate the healthcare system with ease
- Make informed choices that fit your goals and budget
Their support team—nurses, pharmacists, and medical research librarians—offers personalized health guidance. Together, they help you build a custom action plan that supports your overall well-being.
These services are designed to enhance, not replace, the relationship you have with your provider. Your clinical team can answer questions like:
- What does my diagnosis mean?
- Where can I go for the best treatment?
- How do I get a second opinion?
- What are the risks and benefits of this surgery?
- How do I get a copy of my medical records?
- What lifestyle changes will improve my health?
- How can I decrease the stress in my life?
KnovaSolutions offers a Diabetes Program with certified care and education specialists to help you:
- Learn to manage blood sugar
- Reduce risk of complications
- Understand your medications
- Improve weight and blood pressure
- Make lifestyle changes that matter to you
There is no cost to you or any family member for participating in the KnovaSolutions program. KnovaSolutions is an entirely voluntary and confidential health information service. At no time will information related to you or your family member’s specific health concerns be shared with your employer.
Contact Information
Life Insurance
Peace of Mind
BASIC LIFE INSURANCE
Basic life insurance is automatically included for the employee when enrolling in the Alliance Health Plan. You receive:
- $30,000 of Basic Life Insurance
- $30,000 of Accidental Death & Dismemberment (AD&D)
Basic life, AD&D, and voluntary life coverage concludes when active employment ends. You may be eligible to convert coverage by notifying Alliance Benefits within 30 days of ending active employment.
VOLUNTARY LIFE INSURANCE
Voluntary life insurance offers additional coverage for greater financial security. Premiums are conveniently deducted from your paycheck. You can choose the coverage amount:
- Up to $250,000 (can increase in $10,000 increments) for yourself
- Up to $50,000 (can increase in $5,000 increments) for your spouse
- Up to $10,000 (can increase in $2,000 increments) per child
You can enroll or adjust coverage during your annual Open Enrollment period or following a qualifying life event, such as marriage or the birth/adoption of a child. Please refer to page 24 in the 2026 Benefit Summary Guide for monthly rates.
RETIREE LIFE INSURANCE
Alliance Benefits provides $7,500 in retiree life insurance for participants:
- Retiring at age 65 or older
- Serving 20 years or more with the Christian and Missionary Alliance
You must inform Alliance Benefits within 30 days of your retirement. Please contact Alliance Benefits at (800) 700-2651 or [email protected] for more information.
Long-Term Disability
Income Protection
The Alliance Premium Health Plan includes long-term disability (LTD) coverage to support you if you’re unable to work due to serious illness or injury.
- Pays up to 60% of your salary, including ministerial housing allowance if applicable
- Maximum benefit: $5,000/month
- Begins after a 90-day waiting period, subject to approval
You can consider Colonial Life® supplemental products for coverage during the waiting period. Please refer to page 26 in the 2026 Benefit Summary Guide for voluntary supplemental products.
Generally, benefits are paid until age 65 if you continue to qualify. If disability begins after age 62, a modified benefit schedule applies. Please refer to the benefit schedule on page 25 in the 2026 Benefit Summary Guide.
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.
Please contact Alliance Benefits at (800) 700-2651 or [email protected] for more information.
Additional Coverage Options
Colonial Life
Alliance Benefits partners with Colonial Life® to offer voluntary supplemental products at a group discounted rate—helping you manage unexpected out-of-pocket costs. These benefits work alongside your existing health coverage to provide extra financial protection when life takes an unexpected turn. Enrolling in one or more of these options gives you added security and peace of mind for yourself and your family:
- Accident Insurance: Benefits are paid directly to you to use however you like—from medical costs to everyday expenses.
- Critical Illness and Cancer Insurance: Pays a lump sum if you’re diagnosed with a covered illness to help with medical costs and lost income.
- Hospital Indemnity Insurance: Provides benefits to help cover hospital-related costs not paid by your health insurance.
- Short-Term Disability Insurance: Pays a monthly benefit if a covered accident or sickness prevents you from earning income.
Contact Information
Colonial Life
coloniallife.com
You can enroll or adjust coverage during your annual Open Enrollment period or following a qualifying life event, such as marriage or the birth/adoption of a child.
Please contact Alliance Benefits directly at (800) 700-2651 or [email protected] for next steps.
Review Your Summary Guide
Designed with members in mind, this document gives you a clear, easy-to-understand overview of your health plan. Inside, you’ll find key details about plan features, benefits, and the resources available to help you make informed decisions.
Questions
Contact the CareFactor Member Connection Team with your coverage questions.
