Our benefits program includes medical plan options offered by Blue Cross Blue Shield of Alabama (BCBSAL), and prescription drug coverage through CVS Pharmacy. The plans provide a range of coverage levels and costs so you can choose the coverage that’s right for you and your family.
Use the Find a Doctor tool to see whether your doctor participates in the network or to find in-network providers. When using the tool, you may be prompted to provide a group number (92682) and a prefix (WPH).
Visit AlabamaBlue.com and click “Register” in the top-right corner. Get personalized tools to manage your coverage, access resources for healthy living, and more.
Check out the myBlueCross member orientation guide for all you need to know about your program benefits. Sign up for extra services including:
Teladoc provides you and your family 24/7 quality care through the convenience of your phone or computer that could save you money on hospital bills. If you or a family member are experiencing any of the following, Teladoc connects you to the right licensed medical professional to help:
Select your medical plan below to better understand your options when searching for the right medical care:
Visit Teladoc.com/Alabama, download the Teladoc app, or call 855-477-4549 to register and get started.
There are even more ways to get care from home, or wherever you are. These programs are available at $0 cost to eligible employees and dependents. Explore the services below:
Pivot Breathe is a twelve-month program designed to help you track, reduce, and eventually quit tobacco for good. This program is available at $0 cost to eligible employees and dependents.
To get started, visit https://pivot.co/, email support@pivot.com or call 650-249-3959.
You’ll pay the least out of your paycheck, though this plan doesn’t pay for services (other than in-network preventive care) until you reach the out-of-pocket maximum. If you pay for eligible services that exceed the out-of-pocket maximum ($5,000 individual / $10,000 family), the plan will pay for all eligible services for the rest of the calendar year.
You’ll pay less out of your paycheck than for the PPO, and you’ll get free money from the Company contributed to a tax-advantaged Health Savings Account (HSA).
You’ll pay more out of your paycheck in exchange for a lower deductible and out-of-pocket maximum.
These plans give you the opportunity to use a tax-advantaged Health Savings Account (HSA). Heritage will make a contribution to the HSA to start your savings. You can contribute to the account tax-free, use it to pay for eligible health care expenses, and let it grow – the account is yours to take with you if you leave the Company, and you can use it for health care expenses in retirement.
With the HSA Plans, there are no copays for prescription drugs. After you meet the deductible, you'll pay a percentage of the cost of your prescription. Watch the video to learn more.
The PPO plan offers lower out-of-pocket costs in exchange for higher employee contributions. With this plan, your costs are more predictable, but you’ll still have out-of-pocket expenses for some services, and the plan reimburses a percentage of the cost after the deductible is met. Watch the video to learn more.
Consider the following when choosing which plan is right for you, and be sure to review the plan details below for more information on what’s covered. Watch the video to learn more.
| Company will give you money in a Health Savings Account (HSA) | Employee contributions | Deductible | Out-of-pocket maximum | |
|---|---|---|---|---|
| Premium PPO | No | Highest – you’ll pay the most out of your paycheck | $1,000 individual / $2,000 family | $3,000 individual / $6,000 family |
| Select HSA | Yes, $500 individual / $1,000 family | Middle | $2,000 individual / $4,000 family | $5,000 individual / $10,000 family |
| Essential HSA | Yes, $500 individual / $1,000 family | Lowest – you’ll pay the least out of your paycheck | $5,000 individual / $10,000 family | $5,000 individual / $10,000 family |
When you choose in-network providers, the plans will cover the following services. Check out the highlights guide for a printable version of this chart, and for information on out-of-network coverage.
| Services | Premium PPO Plan | Select HSA Plan | Essential HSA Plan |
|---|---|---|---|
| Deductible (individual / family) | $1,000 / $2,000 | $2,000 / $4,000 | $5,000 / $10,000 |
| Annual Out-of-Pocket Maximum (individual / family) | $3,000 / $6,000 | $5,000 / $10,000 | $5,000 / $10,000 |
| Employer contribution to HSA (individual / family) | N/A | $500 / $1,000 | $500 / $1,000 |
| In-network preventive care | 100% covered | 100% covered | 100% covered |
| Coinsurance | 20% after deductible | 20% after deductible | N/A |
| Physician office visit (primary care physician / specialist) | $25 / $50 | 20% after deductible | You pay up to the out-of-pocket maximum, then the plan covers 100% of eligible expenses |
| Inpatient Hospitalization | 20% after deductible | 20% after deductible | You pay up to the out-of-pocket maximum, then the plan covers 100% of eligible expenses |
| Emergency Room | $200 per admittance | 20% after deductible | You pay up to the out-of-pocket maximum, then the plan covers 100% of eligible expenses |
CVS is our prescription drug provider. The CVS network includes Walgreens and other retail and mail order pharmacies.
| Services | Premium PPO Plan | Select HSA Plan | Essential HSA Plan |
|---|---|---|---|
| Prescription drugs – retail up to a 30-day supply (generic / brand formulary / brand non-formulary) | $15 / $30 / $100 | 20% after deductible | You pay up to the out-of-pocket maximum, then the plan covers 100% of eligible expenses |
| Prescription drugs – mail order up to a 90-day supply (generic / brand formulary / brand non-formulary) | $37.50 / $75 / $250 | 20% after deductible | You pay up to the out-of-pocket maximum, then the plan covers 100% of eligible expenses |
| Prescription drugs – specialty up to a 30-day supply | 20% coinsurance up to $425; deductible does not apply | 20% after deductible up to $425 | You pay up to the out-of-pocket maximum, then the plan covers 100% of eligible expenses |
You'll save money when you fill your prescription at a network pharmacy, and you can choose from 30 and 90-day supplies.
Use the pharmacy locator to find a network pharmacy near you, including mail order pharmacies.
Be sure to check the list of covered medications from CVS. Cost and coverage may vary depending on your plan.
Heritage offers two dental plans through Delta Dental, Basic and Premium, both of which are designed to help you maintain dental health through regular preventive care.
| Basic | Premium | |
|---|---|---|
| Annual Deductible | $50 / $150 | $25 / $75 |
| Preventive and Diagnostic (exams, X-rays and routine cleanings) | 100% covered | 100% covered |
| Basic Restorative (Includes fillings, oral surgery, root canals and gum treatments) | You pay 20% | You pay 20% |
| Major Restorative (Includes crowns, bridges and dentures) | You pay 50% | You pay 50% |
| Orthodontia (children only) | Not Covered | You pay 50% |
| Maximum Annual Benefit per Individual | $1,000 | $1,500 |
| Lifetime Orthodontia Maximum | Not Covered | $1,500 |
To help keep vision strong and eyes healthy, Heritage offers the EyeMed vision plan to provide coverage for eye exams, glasses, and contact lenses for you and your eligible dependents.
| Service | Benefit Details |
|---|---|
| Eye exam (every 12 months) | $10 copay |
| Frames (every 24 months) | $130 allowance (plan pays 80% of amount over $130) |
| Lenses (every 12 months; covers single, bifocal, and trifocal) | $25 copay |
| Contact lenses (every 12 months) | $130 allowance |
The Employee Assistance Program (EAP) through ComPsych provides you and your eligible family members with 24/7 confidential counseling and support — in person or over the phone — at no cost, for issues or personal convenience needs related to:
Ready to get started? Call 877-533-2363, or follow these instructions to register online:
We know life doesn’t always go as expected, which is why Heritage provides access to additional programs designed to protect you and your family from the financial impact of a significant unexpected medical expense due to illness, accident or hospitalization. Heritage offers the following supplemental medical coverage options through Voya. See Employee Contributions for details on what coverage costs.
Accident insurance helps protect from unexpected financial stress if you or a covered family member has an accident. Benefits are paid based on the injury and the treatment needed, including emergency room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance may not cover, including deductibles and copays. Coverage is available for you, your spouse, and dependent children. Watch the video to learn more.
You have two plan options two choose from. Here are just some of the covered services you can receive a cash benefit for:
| Covered service | Low Plan | High Plan |
|---|---|---|
| Emergency Room | $200 | $250 |
| Urgent care | $150 | $225 |
| Major diagnostic exam | $125 | $275 |
| Accident follow up (up to six times per accident) | $60 | $100 |
| Physical therapy (up to six treatments) | $30 | $45 |
| Hospital admission (per accident) | $1,000 | $2,000 |
| Daily hospital benefit (up to 365 days) | $200 | $250 |
| Organized sport benefit | Additional 25% of eligible benefits up to $1,000 | Additional 25% of eligible benefits up to $1,000 |
| AD&D | Employee: Up to $25,000
Spouse: Up to $10,000
Child: Up to $5,000 |
Employee: Up to $25,000
Spouse: Up to $10,000
Child: Up to $5,000
|
| Wellness benefit | $50 per calendar year; children get 50% | $50 per calendar year; children get 50% |
The actual benefit amount depends on the type of injuries and the medical services needed. See Employee Contributions for details on what coverage costs.
If you or your dependent is diagnosed with a serious illness, critical illness insurance can provide financial support to help you through a difficult time. This benefit protects against the financial impact of certain illnesses, such as:
If you experience a covered illness, you’ll receive a lump-sum payment to use at your discretion for expenses such as coinsurance, deductibles, travel to treatment centers, experimental treatments, and childcare.
The following coverage options are available:
See Employee Contributions for details on what coverage costs. Watch the video to learn more.
A trip to the hospital can be stressful, and so can the bills. Hospital indemnity insurance provides benefits to help alleviate the unexpected costs of a hospital stay. The plan pays benefits to help cover expenses — such as deductibles, coinsurance, or household bills — when admitted to the hospital for a covered illness or injury. Coverage is available for you, your spouse, and dependent children.
The following coverage options are available:
See Employee Contributions for details on what coverage costs. Watch the video to learn more.
