Benefit Guide
The State Employees' Health Insurance Plan (SEHIP) is basic hospital medical coverage administered by BlueCross BlueShield of Alabama (BCBS) with prescription benefits administered by OptumRx. This plan is offered to state employees who do not have other health insurance coverage available to them. It is intended to help you and your covered dependents pay for healthcare costs. This option requires:
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The following plans are available to state employees when they have Other Group Health Insurance (OGHI) available through a spouse, other employer or previous employer:
The Premium Cash Option (PCO) is a premium-only Health Reimbursement Arrangement (HRA) administered by Optum Financial and funded solely by the State of Alabama to reimburse full-time, active State employees for eligible Other Group Health Insurance (OGHI) premiums.
You may not enroll in the PCO if your Other Group Health Insurance (OGHI) is with the SEHIP, Medicaid, Medicare, or the Marketplace. Members enrolled in the PCO can disenroll and return to the SEHIP on the first day of any month.
The State Employees’ Insurance Board Optional Insurance Plan (Optional Plan) provides dental, vision, cancer, and hospital indemnity coverage, all-in-one. This Plan is administered by Southland Benefit Solutions (Southland) and is offered at no cost to you. Participants may elect individual or family coverage. This option provides the following great benefits:
You may not enroll in the Optional Plan if your Other Group Health Insurance (OGHI) is with the SEHIP or Medicaid. If you are an active employee and your primary coverage is TRICARE, you are not eligible for the Optional Plan. After 12 months in the Optional Plan, members can disenroll and return to the SEHIP during Open Enrollment.
The State Employees’ Supplemental Coverage Plan (Supplemental Plan) is administered by Blue Cross Blue Shield of Alabama. If you enroll in coverage through an eligible employer group health plan, you can opt out of the SEHIP and elect supplemental coverage through the SEIB, at no charge. The SEIB Supplemental Plan will cover most of your out-of-pocket expenses that your primary Other Group Health Insurance (OGHI) does not cover 100%.
You may not enroll in the Supplemental Plan if your Other Group Health Insurance (OGHI) is with the SEHIP, Public Education Employees Health Insurance Program (PEEHIP), Local Government Health Insurance Program (LGHIP), the Marketplace, TRICARE, Medicaid or Medicare. Other Group Health Insurance (OGHI) plans with an in-network deductible of $1,400 or more for individual or $2,800 or more for family coverage are not eligible. Members enrolled in the Supplemental Plan can disenroll and return to the State Employees’ Health Insurance Plan (SEHIP) on the first day of any month.
The Limited Purpose HRA allows active employees of the State of Alabama to obtain reimbursement of eligible dental and vision expenses on a nontaxable basis from their HRA account.
State employees have the option to decline all health coverage options offered through the SEIB. If you are enrolled in one of the Stand-alone policies and select this option, your coverage will continue for the Stand-alone policy unless you submit a separate Enrollment/Cancellation Form (IB21).
