Plan Details

Medical Chart Template - 2 plan IOLCF

Plan Limitations

  • The Health Benefit Alliance program manages the efficient and cost effective delivery of healthcare through pre authorization requirements for certain services and prescriptions, formulary management and other cost containment protocols as outlined in the Schedules of Benefits.
  • MVP Limited Day Medical℠ Plans provide comprehensive and affordable health coverage for HBA participants. To ensure affordability, HBA plans contain limits that differ from other “traditional” carrier plans.
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Day limits for coverages

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Chemotherapy and Radiation excluded in BRONZE+ & GOLD plans

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Kidney Dialysis excluded in BRONZE+ & GOLD plans

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Specialty Rx excluded in BRONZE+ & GOLD plans

Underwriting Guidelines

Minimum Participation Requirements

  • Minimum Employer Size: Two (2) Eligible Employees, both or which must actively enroll for coverage (eligible groups must be valid employers and have at least one common-law employee participating all times)

"Qualified Waivers"

Employees with health insurance coverage elsewhere are excluded from the minimum participation calculation

  • Group health Questionnaire (GHQ)
  • No Minimum Employer Contribution Requirement
  • Eligible Employees
    • HBA Plans available to full-time, part-time and seasonal employees

Dental and Vision

Helps provide the peace of mind that comes from knowing you’ll have help with both routine and unexpected expenses

Aflac
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