Clbabenefits.org is CLBAbenefits’ customized, comprehensive connection to all of your benefit needs. The website is a one-stop shop that makes it easy for you to access information about all of the CLBAbenefits’ programs. It includes the following resources and many more:
ü Benefit summaries that outline the benefit programs
ü Direct access to the vendor websites
ü Plan information including vendor names, phone numbers, plan identification numbers and claim forms
Plan Eligibility Information
In order to enroll in any of the programs, you have to be employed by one of the eligible organizations referenced in the “Introduction” section of this guide. If you meet the eligibility requirements you can also cover your eligible dependents. Specific eligibility requirements are located at www.clbabenefits.org
Billing Process
The premiums for the plans are included in the website. The premiums can be billed on an individual (billed to you directly at your home or institution) or a group basis (billed to the entity along with other covered members of your entity), depending on your specific institution’s procedures. During the enrollment process you will be asked to confirm whether you should be billed individually or as a group.
The premiums will be billed on the 15th of the month for the following month’s premium payment. In most cases the premium billing will be mailed directly to your institution, so if you have another preferred billing address update that information during the enrollment process.
Medical Plan Overview
The CLBAbenefits program allows you to choose from 3 different medical plans. All three plans utilize the BlueCross BlueShield National PPO network, but each plan has different benefit provisions. All three plans provide a 100% benefit for preventive care received by a network provider.
The three plans are:
· PPO1 – Includes separate prescription drug and vision plans
· PPO2 – Includes separate prescription drug and vision plans
· PPO HDHP – A High Deductible Health Plan that qualifies for a Health Savings Account (HSA) which includes a separate vision plan, but prescriptions are covered as any other expense and are not covered under a separate program.
The premium rates for the medical/prescription/vision plans vary by three factors;
· Plan you select,
· Employee’s age, and
· The dependents you choose to cover on the program.
Additional information about these plans – including premium rates – can be found on the CLBAbenefits website at www.clbabenefits.org. The site also includes a calculator that can be used to help you determine which medical plan is the most cost-effective for your needs. This calculator is to be used only as a guide – it cannot possibly capture all of the potential expenses, but it should provide you with a general idea about which plan is best for you.
Note: The vision and prescription drug benefits are only available in combination with a medical plan. They are not available separately.
Dental Plan Overview
The dental plan is administered by Delta Dental – one of the largest dental insurance providers in the country. The dental plan is separate from the medical program – you can enroll in this program even if you do not enroll in the medical plan. The premium rates for this plan vary by different regions of the country and by the dependents you cover on the plan. These premium rates can be found on the CLBAbenefits website.
Enrollment Process
CLBAbenefits has contracted with a company by the name of Businessolver to provide you with a resource to get answers to questions about the program and to collect the information required to get you enrolled in the plan. The toll free phone number to reach Businessolver is 866-502-3468. This phone line is staffed by trained individuals that are prepared to answer your questions and collect the required enrollment data – this is not an automated phone system.
Once Businessolver collects your information, they forward the data to Churchwide Healthcare.
· If you and/or the dependents you choose to cover in the plan currently have coverage, you will be enrolled and within approximately 1 – 2 weeks will receive a “Welcome Package” that will give you additional information about the plan.
If you and/or your dependents did not have coverage before enrolling in the CLBAbenefits plan, you will be required to complete a health questionnaire and your coverage will not be effective until underwriting approves your request for coverage and sends you a “Welcome Package” advising of your approval and effective date. You and/or your dependents may be subject to pre-existing condition limitations.
