Madison County Employee Benefits

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Healthcare Insurance:  Madison County offers Local Government Health Insurance Plan (LGHIP) to employees and eligible dependents. The LGHIP is administered by Blue Cross and Blue Shield of Alabama using a national PPO network. Coverage is effective on the date of hire, or January first if a change is made during Open Enrollment. Visit the Blue Cross website at for a complete listing of providers or to establish a personal account. An employee can monitor their claims or file brand name drug prescription reimbursements online. 

LGHIP Premiums can be deducted through pre-tax deductions. Employees can make changes during open enrollment or during the year within 30 days of a family status change. Family status changes include: marriage, birth, death, divorce or a change in a spouse’s employment.

Every employee of Madison County must either enroll or decline LGHIP health insurance coverage.  To decline the coverage, the employee will need proof of other insurance. The following documents are needed to add dependents: marriage license, birth certificates, etc.

Plan Documents for Health Insurance:

Medical and Rx Benefit Summary   

Health Benefits & Coverage Handbook

Market Place Document

LGHIP Enrollment Form

LGHIP Declination of Coverage Form

LGHIP Dependent Change

LGHIP Status Change Form

 

 

Health Insurance Provider Contact Information:

 Provider  Phone  Email
 LGHIP  1-866-836-9137  www.lghip.org
 Blue Cross and Blue Shield of Alabama  1-800-321-4391  www.bcbsal.org

 

Employee's 2016 Monthly Premium:

 Coverage Type  Employee's Premium  County's Contribution
 Single Coverage Biweekly Premium $40.50  $346.00
Family Coverage Biweekly Premium  $78.00 $884.00 

 

 * Premium rates and deduction frequency will change effective January 1, 2016.

 

Dental

 

 

 

 

 

 

 

Dental Coverage:  Dental coverage is included with LGHIP through Blue Cross and Blue Shield of Alabama. LGHIP manages dental costs and provides enhanced dental benefits using negotiated discounts with in-network dentists. To locate in-network dentists go to www.bcbsal.com  Assuming the services are covered you will normally only be responsible for out of pocket.

Plan Documents for Dental Coverage:  Out-of-pocket costs such as deductibles and co-insurance when using contracted providers.

Dental Benefit Summary

Dental Benefit Handbook

Dental Benefit Information:

Feature

Preferred

Deductible

$25.00 per member each calendar year.  Maximum of three deductibles per family contract.

Diagnostic & Preventative Services

Covered at 100% of the dental fee schedule with no deductible.

Basic & Major Services (Fillings, Oral Surgery, Periodontics, Endodontics, and Prosthodontics)

Covered at 50% of the dental fee schedule subject to a $25 annual deductible

Orthodontic Services

Covered at 50% of the dental fee schedule subject to a $25 annual deductible for dependents under age 19. Limited to a lifetime max of $1,000

Annual Benefit Maximum

No maximums for members under age 19 and $1,500 per member age 19 and over for all covered services.

 

 

 

 

 

 

 

 

 

 

 

For coverage information on non-preferred dental benefits, refer to www.lghip.org website.

Disclaimer: This website only explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between any of these documents and the policy, the terms of the policy apply. Complete coverage information is in the summaries supplied to each employee. Please keep the summaries in a safe place with your other important documents. Links to external websites are provided as a convenience for our employees and do not imply our company’s sponsorship or approval of these sites, their products and/or services

 

Need help? Contact the Personnel Office at 256-532-3614

 

 

 

 

 

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