Get Your Questions Answered
The ARBA is offering two health plans through BlueCross BlueShield. There is a secondary insurance option offered through MedPlus 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 ARBA Health Plan, your secondary coverage pays a total of $3,500 toward your deductible and out-of-pocket maximum, meaning you only have to pay $2,500 of your own money. To receive full benefits, be sure to give your doctor both your primary insurance card and your secondary insurance card.
Active ARBA members must have at least one common law employee to be eligible for the ARBA Health Plan. Sole proprietors without at least one common law employee are not eligible to participate in the plan. Employers must complete a participating employer agreement prior to open enrollment. Please contact Matt Cate for more information at mcate@cacgroup.com.
You may transfer to the ARBA Plan by submitting a Current Health Census to scarlisle@cacgroup.com. Please note that you must notify all impacted employees of this change and allow them the option to opt out.
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 ARBA Health Plan. Credit can be given for the deductible that you and your family members have already reached on your current health plan.
The ARBA Health Plan renews January 1, and our Open Enrollment is held in November each year. Open enrollment is the one time per year we are allowed to onboard new members to the plans. You can enroll your employees at arba.simon365.com.
Members will be responsible for submitting adds/terms/changes of any employees who elected the plan or terminated each month. This will ensure each group is billed the appropriate amount each pay period. Changes can be made at arba.simon365.com.
Each member company will have an administrative login to arba.simon365.com. Employers are responsible for remitting payment for their employees who participate in the plan. Invoices will be available on or around the 1st of every month. Payment will be due on the 15th and late on the 20th. After a second late payment, a $100 late fee will be assessed.
Questions about the ARBA Health Plan and its benefits can be directed to a CAC Agency Benefits Consultant: Samantha Carlisle | 205-874-1227 | scarlisle@cacgroup.com