FAQ

  • What is the AFA Group Health Plan?

    In collaboration with Blue Cross Blue Shield (BCBS), AFA is offering three medical plan options for 2025, tailored to meet a range of coverage and budget needs:

    Access 500: Comprehensive BCBS coverage.

    Premier Plan: BCBS coverage with secondary support through Alliance.

    Value Plan: Affordable BCBS coverage with essential benefits.

    Access 500 has a $500 deductible and has the most copays to offset the participants out-of-pocket spend throughout the plan year. The Premier & Value Plan’s have $7,500 deductible and is more of a catastrophic coverage. The Premier Plan include secondary coverage through Alliance which is designed to save both premium and out-of-pocket spend.

  • What is seconday insurance?

    Secondary insurance through Alliance 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 AFA Premier Plan, your secondary coverage pays a total of $7,500 toward your deductible and out-of-pocket maximum, meaning you only have to pay $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.

  • Who is Eligible for the AFA Group Health Plan?

    All AFA members who have at least one common law employee are eligible for the AFA Health Plan. Sole proprietors must have at least one common law employee to participate in the plan. Please contact Harmon Dennis Bradshaw with questions.

  • Can I elect Dental, with out participating in the Medical Plan? Also, can I celect Vision as a Solitary Benefit?

    Yes. Both Dental and Medical can be elected separate of each other, or together.

    As for Vision, no. Vision can only be elected if Medical and/or Dental is elected. It cannot be elected by itself.

  • When and how do I enroll?

    Open Enrollment for an effective date of January 1, 2025 will be held in the November of 2024. To enroll, please contact a Harmon Dennis Bradshaw Consultant below.

    Phone: 1-800-239-5512 (Ask for Hayden Tipton or Melissa Jinright)

    Email:AFA@HDBInsurance.com

  • What to do to add/remove employees from the benefit? How is the benefit offered to new hires?

    Members will be responsible for submitting adds/terms/changes of any employee who elected the plan or terminated each month. This will ensure each group is billed the appropriate amount each month. Changes can be made in the Ease portal. Have questions? Reach out to our team any time:

    Phone: 1-800-239-5512 (Ask for Hayden Tipton or Melissa Jinright)

    Email:AFA@HDBInsurance.com