Open Enrollment Guide
Review your medical, dental, vision, and supplemental benefit options before enrolling. This page helps you understand BCBS Alabama plans and GAP coverage.
Alabama Employees
Welcome

This guided tool will help you compare BCBS Alabama medical plans, understand GAP coverage, and review all your benefit elections.

What you will review:
BCBS Medical Options GAP (Secondary) Coverage Dental & Vision Life & Disability Accident / Hospital / Critical Illness HSA / FSA

Completing this guide does not enroll you. At the end, you will receive a summary and a button to log into Employee Navigator.

Have any major changes occurred?

This helps determine if you should keep the same plans or explore new ones.

Select all that apply:
BCBS Medical Plan Comparison

Most employees compare BCBS Silver + GAP with a richer BCBS Platinum plan. Select the one that best fits your needs.

Choose your preferred medical direction:
BCBS Silver PPO + GAP Coverage
Lower premium + GAP protection
Your BCBS Silver plan works like a normal PPO with deductibles and copays. GAP helps reimburse certain higher-cost medical events.
  • Preventive care 100% in-network (BCBS)
  • Office visits, labs, ER, hospital, surgery (subject to BCBS deductible/copay)
  • GAP reimburses part of:
    – Inpatient hospital
    – Outpatient surgery
    – Major diagnostics (CT, MRI)
    – ER (if included in plan)
  • You use BCBS first → GAP reimburses you after BCBS EOB
Lower monthly cost Higher deductible than Platinum Extra GAP protection for large bills
BCBS Platinum PPO
Highest coverage level
The richest BCBS plan—lower deductibles and copays, higher premiums, and more predictable costs.
  • Preventive care 100% in-network
  • Much lower deductibles + copays
  • Lower out-of-pocket max
  • No GAP included (coverage already rich)
  • Best for people with ongoing medical needs
Higher paycheck cost Much lower out-of-pocket Predictable medical costs
Choose Silver + GAP if:
• You want a lower monthly cost
• You’re generally healthy
• You want protection if a major event happens
• You don’t mind a higher deductible as long as GAP helps with big bills

Choose Platinum if:
• You want the lowest deductible
• You frequently use medical services
• You prefer predictable copays and costs
• You’re comfortable with higher monthly premiums
How GAP Coverage Works

GAP is a secondary coverage that helps reduce big medical expenses. You always use your BCBS Alabama plan first.

What GAP does cover:
  • Inpatient hospital stays (room & board, surgery)
  • Outpatient surgery centers
  • Major diagnostics: MRI, CT, scans
  • Often emergency room services (depending on plan)
  • Helps pay a portion of deductible/coinsurance bills
What GAP does NOT cover:
  • Regular office visit copays alone
  • Services not covered by BCBS
  • Out-of-network services (beyond BCBS allowance)
  • Every BCBS cost — only applies to certain categories
1. Use BCBS normally (doctor/hospital files claim).
2. BCBS sends you an EOB explaining what you owe.
3. You upload the EOB to the GAP carrier (or follow employer instructions).
4. GAP sends you a reimbursement check or direct deposit.

GAP is designed to reduce the financial burden of major medical events.
Dental Coverage

Covers cleanings, x-rays, fillings, root canals, crowns, and other dental needs.

Your dental choice:

Dental plans usually cover preventive services at 100%, plus benefits for fillings, crowns, and major services depending on the plan.

Vision Coverage

Helps pay for eye exams, glasses, frames, and contact lenses.

Your vision choice:

Vision insurance is helpful if you wear glasses or contact lenses, or prefer annual eye exams.

Life Insurance & Beneficiaries

Life insurance provides financial support to someone you choose (your beneficiary).

Voluntary life coverage:

Make sure your beneficiaries are up to date.

Disability Coverage (Income Protection)

Provides income if you cannot work due to an illness, injury, or childbirth recovery.

Your disability choice:
Accident, Hospital, Critical Illness

These plans pay cash directly to you if certain events occur.

Your supplemental choice:

• Accident → covers injuries & ER visits
• Hospital → pays for inpatient stays
• Critical Illness → pays a lump sum for major diagnoses

HSA / FSA

Pre-tax accounts can help with medical, dental, and childcare expenses.

Contribution level:

HSA = yours forever. Rolls over.
FSA = “use it or lose it,” with limited rollover (if employer allows).

Your Benefit Summary

Review your choices. When ready, proceed to Employee Navigator to complete enrollment.

    These selections are not submitted yet — use them as a guide when completing your official enrollment.