3Summary of Benefits and Coverage (SBC) – These high level benefit summaries are required to be made available under the Affordable Care Act and make it easy to compare benefit plans. Also included is the Uniform Glossary of Terms which are not specific to your Blue Cross and Blue Shield plan but is very helpful for understanding various terms and how your plan works.

• Blue Secure 1000 Plan Effective 4-1-23
• Blue Access 500 Plan Effective 4-1-23 

Blue Cross & Blue Shield of Alabama Plan Matrix Summary – A separate benefit summary with more detailed information than what is included in the SBC’s.

• Blue Secure 1000 Plan Effective 4-1-23
• Blue Access 500 Plan Effective 4-1-23 

Summary Plan Description (SPD) – Detailed information about your plans, coverages, limitations, exclusions, appeals procedures, etc. 

• Blue Secure 1000 Plan Effective 4-1-23
• Blue Access 500 Plan Effective 4-1-23

Pharmacy information for both plans

•  SourceRx 2.0 – Information about the prescription drug formulary. 
• Blue Secure (ValueONE Rx) pharmacy network – Information regarding the Rx network and how to locate in-network pharmacies for those in Blue Secured plan.
• Blue Access (PreferredONE Rx) pharmacy network – In formation regarding the Rx network and how to locate in-network pharmacies for those in the Blue Access plan.
• BC&BS of Alabama’s pharmacy site – A single website where you can find participating pharmacies, access mail order prescription drug benefits, prescription drug formulary and guidelines.
• Home Delivery from Amazon Pharmacy – Order medications (excludes Specialty Rx) for home delivery with up to a 90-day supply. 

Wellness/Preventive Care Coverage

• BC&BS of Alabama’s standard Preventive Services – A comprehensive listing of all the covered wellness services under both plans.  
• Preventive care rider – Additional preventive services covered under both of CYT – Alabama Plant’s plans.
• Recommended wellness visits – A high level summary of wellness services men, women and children should have and when.
• Click on the, “Contacts, Links and Information” tab above for more information on BC&BS of Alabama’s wellness programs.

Annual Benefit Notices – DOL, ACA, ERISA and other required notices for new hires and during open enrollment.

CYT – Alabama Plant’s Voluntary Wellness Program – In order to be eligible for the lower premium contribution starting on 4/1/24, Associates must complete 2 of the 3 options between 1/1/23 and 12/22/23:

Option 1 (Only applies to the Associate, not your covered spouse or children)

• Provide proof of being, “fully vaccinated as defined by the CDC” as of the day you submit a copy of your vaccine card to Human Resources.

Option 2 (Applies to Associates and your covered spouse)

• A biometric screening
• We anticipate the annual screening event being held onsite again in October.

Option 3 (Applies to Associates and your covered spouse)

• A preventive dental exam and cleaning
• Have your Dentist complete and sign the CYT – Alabama Plant “Proof of Preventive Dental Exam and Cleaning Form” and return it to the Human Resources Department.

CYT – Alabama Plant handles the administration and notification of your rights under COBRA and ability to continue the insurance if a qualifying event. Please notify Tonya Perkins in Human Resources of any qualifying events so she can in turn notify the COBRA administrator.

Benefit Summary – High level summary of the dental benefits and what is covered.

Certificate of Coverage – Detailed description of your benefits and exclusions.

CYT – Alabama Plant handles the administration and notification of your rights under COBRA and ability to continue the insurance if a qualifying event. Please notify Tonya Perkins in Human Resources of any qualifying events so she can in turn notify the COBRA administrator.

Benefit Summary – High-level summary of the vision benefits and what is covered.

Certificate of Coverage – Detailed description of your benefits and exclusions.

CYT – Alabama Plant handles the administration and notification of your rights under COBRA and ability to continue the insurance if a qualifying event. Please notify Tonya Perkins in Human Resources of any qualifying events so she can in turn notify the COBRA administrator.

Group Term Life and AD&D (Paid by CYT – Alabama Plant)

$50,000 per Associate (up to age 64 with reductions at age 65, 70 and 75)

• Summary Overview
• Certificate Summary
• Certificate

Associate Supplemental Term Life and AD&D:

• Associates: $20,000 to $500,000 in $10,000 increments not to exceed 5 times basic annual earnings.
  • Guarantee issue (no medical questions) up to $100,000.
  • For amounts above $100,000 you must complete an Evidence of Insurability questionnaire.
  • Age reductions after age 64 apply.
• Spouse: $10,000 to $250,000 in $5,000 increments to 100% of the total amount of the Associate’s coverage.
  • Guarantee issue (no medical questions) up to $25,000.
  • The spouse’s rate is based on the Associate’s age.
  • For amounts above $25,000 you must complete an Evidence of Insurability questionnaire.
  • Coverage terminates when the Associate turns age 70.
• Child(ren): $2,000 to $10,000 in $2,000 increments to age 26.
  • Guarantee issue (no medical questions) up to $10,000.

• Summary Overview
• Certificate Summary
• Certificate

Employee Assistance Program (EAP) – Free assistance to you and your eligible dependents with various personal or job-related concerns.  Unlimited telephonic access 24 hours a day, seven days a week in addition to three face-to-face sessions with a counselor (per household per calendar year). See their website for more information and resources.

Worldwide Travel Assistance – If you plan on traveling more than 100 miles away from home for work or pleasure, this free service provides 24/7 access to interpreter services, document replacement, locating legal services,  lost or stolen baggage and other services.  Just print the flier and take it with you when you travel.

 Hearing aid discount program – Call amplifon at 888.534.1747 to speak with a Patient Care Advocate who can answer any questions and assist you with finding a provider near you.

 Free Will Prep Service:

Mutual of Omaha provides a totally FREE Will Prep service for you, your legal spouse and adult children to the age of 26 for anyone covered under their group life or voluntary life insurance plans.

Documents include: Last Will and Testament for single/married persons, Power of Attorney, Healthcare Directive and Living Trusts.

To get started, download the flier which includes the website address and user code.

Short Term Disability Benefits:

Hourly: (Summary Overview, Certificate Summary and Certificate) In the event you become disabled and have a minimum loss of 1% of your earnings, your short-term disability benefits start on the 8th day of an accident or illness.  The plan will pay you 60% of your base weekly earnings, not to exceed $350 per week for up to 12 weeks. This benefit is paid for by CYT – Alabama Plant at no expense to Associates.

Technical Specialists:  (Summary Overview, Certificate Summary and Certificate) In the event you become disabled and have a minimum loss of 1% of your earnings, your short-term disability benefits start on the 8th day of an accident or illness.  The plan will pay you 60% of your base weekly earnings, not to exceed $500 for up to 12 weeks. This benefit is paid for by CYT – Alabama Plant at no expense to Associates.

Exempt: (See the CYT – Alabama Plant Handbook) In the event you become disabled, the plan will pay 100% of your base weekly earnings for the first 9 weeks and then 60% of your base weekly earning for the remaining 4 weeks.

Long Term Disability Benefits (Summary Overview, Certificate Summary and Certificate):

For all Full-Time Associates, after satisfying a 90 day elimination period (the end of the Short Term Disability Benefit), the plan will pay 60% of your basic weekly earnings to a maximum of $5,000 for up to 2-years.  Benefits may be reduced by other sources of income and some disabilities may not be covered or may have limited coverage under this policy.  If you become disabled prior to age 60, the maximum duration of payments will be five years.  If you become disabled after turning 60 then there is a schedule in your benefit booklet that shows the maximum duration you could be paid.

FSA Summary Plan Description – Description of the FSA benefits, what is covered and how the process works.  This document also includes information about you pre-tax premium contributions, qualifying events and when when changes can be made. 

Plan summaries and Information:

Accident

• Flyer – Why this plan benefits you
• Overview Brochure (Life Events)
• Initial Treatment
• Hospitalization
• Aftercare

Critical Illness

• Flyer – Why this plan benefits you
• Overview Brochure
• Additional Summary Page

Hospital Indemnity

• Flyer – Why this plan benefits you
• Overview Brochure
• Additional Surgical Benefits