The City of Montgomery offers Group Health Plans through Blue Cross Blue Shield of Alabama to all eligible employees, retirees, and dependents. As a new hire, enrollment in the health plan is subject to a 30 day waiting period. The 30 day waiting period can be waived if a Certificate of Creditable Coverage is provided within the first 30 days of hire. If coverage is not elected within 30 days of hire, enrollment in the plan can only be done during Annual Open Enrollment or a Special Enrollment due to a Qualifying Event.
Two health plans are offered to City employees:
PPO Plan (Only employees who were hired before May 23, 2014 have the option to enroll in the PPO Plan)
HMP High Deductible Plan (Employees hired May 23, 2014 and after are automatically enrolled in the HMP Plan)
The City's Group Health Plan also includes Dental Coverage (BCBS of Alabama), Prescription Coverage (EHO), and a Mental Health/Substance Abuse Program (American Behavioral).
Cost Plus Dental Cost Plus Dental (CPD) is a voluntary dental option only for employees on the City health plan. Enrollment in this option means all employees and their dependents on the health plan will be removed from BCBS dental and added to CPD. There is no additional cost for this option. Members must remain on the plan for a minimum of 12 months.
A flexible spending account is an employer-sponsored benefit that allows you to pay for eligible expenses on a pre-tax basis. If you expect to incur medical expenses that won't be reimbursed by another plan, FSAs are a great way to save money while covering those costs.
Dependent Care Flexible Spending Account
This benefit is used for reimbursement for daycare expenses for eligible children up to age 13, after school programs, and elderly dependents (like aging parents) who live in your home.
The City provides all eligible employees with a life insurance policy, currently through The Standard Life Insurance Company, at no cost to the employee. Basic Life coverage amount is 1 times the employee’s annual earnings, rounded to the next higher multiple of $1,000, if not already a multiple of $1,000, up to $50,000 maximum. In addition to this, active employees have accidental death and dismemberment insurance. In general, this means if the covered employee passes away, off duty or on duty, there is an additional 1 times the annual salary rounded to the nearest thousand, in coverage. This coverage is also subject to the $50,000 cap.
For a cost of $1.15/bi-weekly, City employees may take out supplemental life insurance on eligible dependents. $10,000 worth of coverage for spouse and $5,000 worth of coverage on each eligible dependent child.
Retirees Basic Life Insurance Coverage Effective October 1, 2017: Employees who retire on or after October 1, 2017 will have basic life insurance coverage based on their annual salary before retirement. If an employee retires making less than $30,000, their life insurance benefit will be $8,000. Employees who retire making $30,000 or more will have a $10,000 life insurance benefit.