Health Insurance

Confused about Health Insurance? The Affordable Care Act known as healthcare reform has brought about many changes to the healthcare industry. Alfa^® is here to help you find the right health and dental plan for you and your family. With Alfa you have the option of discussing your health insurance needs with a local Alfa agent in your area or contacting our our health insurance department for a personalized plan to meet your needs.

Blue Saver Bronze	Blue Value Silver	Blue Cross Select Silver
Calendar Year Deductible $7,150 Individual / Family $14,300	Calendar Year Deductible $2,600 Individual / Family $5,200	Calendar Year Deductible $2,800 Individual / $5,600 Family
Out-of-Pocket Maximum $7,150 Individual / $14,300 Family	Out-of-Pocket Maximum $6,850 Individual / $13,700 Family	Out-of-Pocket Maximum $6,850 Individual / $13,700 Family
Primary Care Office Visit $40 copay first 2 illnesses (combined with all other office visits) then 100% subject to the deductible	Primary Care Office Visit $50 copay. Receive a discount copay of $40 when visiting your designated Primary Care Select physician	Primary Care Office Visit $40 copay. Each member must designate a Primary Care Select physician
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Blue Secure Silver	Blue HSA Gold	Blue Cross Select Gold
Calendar Year Deductible $2,200 Individual / Family $4,400	Calendar Year Deductible $1,600 Individual / $3,200 Family	Calendar Year Deductible $850 Individual / $1,700 Family
Out-of-Pocket Maximum $6,850 Individual / $13,700 Family	Out-of-Pocket Maximum $4,000 Individual / $8,000 Family	Out-of-Pocket Maximum $6,000 Individual / $12,000 Family
Primary Care Office Visit $40 copay	Primary Care Office Visit Plan pays 90%; subject to the deductible	Primary Care Office Visit $35 copay. Each member must designate a Primary Care Select physician
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Did You Know Financial Help May Be Available?

Beginning in 2014, you may be eligible for financial assistance to help lower your health costs.  Known as subsidies, these are tax credits that you can use to offset the cost of your health insurance.  Depending on your income, you may be eligible for a subsidy. Answering just a few questions such as: Do you currently have health coverage through an employer or government program (Medicaid, CHIP, Military)?  How many people are in your household?  What is your annual income?  There are two forms of financial assistance available to those who are eligible.  These are known as advanced premium tax credits (premium subsidies) and cost sharing reduction subsidies.

If you are a resident of Alabama and would like more information on health insurance, or to help you determine if you are eligible for a subsidy, get a free quote or contact Janet Bradford at 1-800-392-5705, ext. 6162.