Health and Well Being
Our benefit package is comprehensive, flexible and highly competitive. Even in challenging times, with all of the issues being focused on the rising costs of healthcare, pensions, etc., we’re proud that we’ve been able to provide a variety of benefits, from healthcare to transit checks, which can be tailored to meet the needs of you and your family.
Medical
Medical coverage provides you and your family with peace of mind and protection against the high cost of health care. As a BCBSA employee, you can choose between three medical plans: Traditional PPO, HMO and a high deductible PPO with a health care savings account, or you may opt out of medical coverage altogether. A new employee is eligible for coverage on the first day of the month following date of hire.
Dental
Preventive dental care and dental maintenance is the key to long-term dental health. BCBSA provides dental insurance that assists in making dental care and maintenance affordable to you and your family.
BCBSA offers two dental plan options: Predent, which allows you to receive services from the provider of your choice, and BlueCare Dental, which is a dental HMO program, respectively. A new employee is eligible for coverage on the first day of the month following date of hire.
Vision
In addition to the vision benefit in our medical plans, BCBSA offers additional vision coverage through Davis Vision. With a national network of doctors, Davis Vision offers preferred pricing on vision exams, contact lenses, eyeglass lenses and eyeglass frames. A new employee is eligible for coverage on the first day of the month following date of hire.
Basic Life Insurance
Life insurance offers an important source of financial protection. BCBSA provides you with a basic term life insurance at no cost to you. You have the option to buy-up coverage in 2007 for 1 x salary or 2.5 x salary.
Accidental Death and Dismemberment
Accidental Death and Dismemberment (AD&D) coverage provides benefits in the event of death or dismemberment resulting from an accident. The basic term life insurance coverage you choose automatically comes with a matching amount of AD&D coverage for your additional protection.
Group Universal Life Insurance
Additionally, you can choose to purchase supplemental insurance for yourself and/or your dependents through our Group Universal Life (GUL) program.
Business Travel Accident Insurance
All employees are covered by BCBSA’s business travel accident policy. This company-paid program provides 2 x salary in life insurance coverage to employees should they die while traveling on BCBSA business.
Disability Benefits
Disability coverage enables you to continue collecting a portion of your earnings if an approved disability prevents you from working. You must complete six months of service to be eligible to receive disability benefits.
Short-Term Disability (STD)
Should you have an accident or illness that causes an extended period of absence, STD can help maintain a portion of your income. Approved STD generally follows five days of absence and can extend to 150 days depending upon your situation.
Long-Term Disability (LTD)
When accidents or illnesses cause lengthy absences, LTD can provide income assistance. BCBSA provides 50% of your salary, at no cost to you, for approved LTD; however, higher coverages are available.
Long Term Care Insurance
BCBSA offers long-term care insurance which provides benefits for home health care, adult day care, assisted living and care in a nursing home.
Domestic Partner Coverage
BCBSA will pay 50% of the cost to provide medical, dental, and/or vision coverage to the same-sex or opposite sex domestic partner of an employee.
Employee Assistance Program (EAP)
The Employee Assistance Program (EAP) provides assessments and referrals (including dependent care referrals) to help you and your family cope with a variety of personal or workplace problems.
Flexible Spending Account
A Flexible Spending Account (FSA) allows employees to set aside pre-tax earnings to pay for eligible medical and dependent care expenses. BCBSA employees can defer up to $3,000 annually for a Health Care FSA and $5,000 annually for a Dependent Care FSA.
Health Dialog Service
BCBSA employees and their dependents have free access to a confidential health information service called Health Dialog. Health Dialog can act as an additional information source on any health condition or concern you may have.
