Get Your Questions Answered

The HBAA Health Plan is a high deductible plan with BlueCross BlueShield of Alabama. There is a secondary insurance option offered through Nationwide Insurance that can be elected to increase the benefit of the BCBS plan. Combining primary and secondary insurance creates maximum savings for the plan’s participants.

Secondary insurance 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 HBAA High Plan, your secondary coverage pays a total of $5,000 toward your deductible and out-of-pocket maximum, meaning you only have to pay $2,000 of your own money. To receive full benefits, be sure to give your doctor both your primary insurance card and your secondary insurance card.

Click here to watch a video presentation explaining secondary insurance in more detail.

HBAA members who are directly involved in the home building trade are eligible for the HBAA Health Plan. For example, home builders, sub-contractors, or material suppliers would be eligible for the plan. Members must have at least one common law employee to be eligible for the HBAA Health Plan. Sole proprietors without at least one common law employee are not eligible to participate in the plan.

You may transfer to the HBAA Plan by submitting a Current Health Census here. Please note that you must notify all impacted employees of this change and allow them the option to opt out. Employees who wish to change their benefit election must do so by scheduling an appointment with a Benefits Educator during Open Enrollment.

Yes. Both Dental and Medical can be elected separate of each other, or together if preferred.

Vision can only be elected if Medical and/or Dental is elected. It cannot be elected by itself.

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 HBAA 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.

Open Enrollment will be held in the Summer of 2024. To enroll, please contact a Cobbs Allen Consultant below.

Matt Cate, mcate@cobbsallen.com | 205-874-1226

Samantha Carlisle, scarlisle@cobbsallen.com | 205.874.1227

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 Simon portal.

Questions about the HBAA Health Plan and its benefits can be directed to a Cobbs Allen Benefits Consultant:

Samantha Carlisle, scarlisle@cobbsallen.com | 205.874.1227