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How do I enroll my employer group?

To enroll, you must submit your signed contracts, completed employee applications and first month's premium.Depending on your group size, we may also need IRS Form 941 (employer's quarterly tax form), Form A1 or Form A6. See Do I Qualify for additional enrollment information.

Do plans include dental benefits?

Health plans do include dental benefits for members up to age 19. Standalone dental plans are also available.

How are late enrollments handled?

Employees who do not sign up at the time of initial enrollment must wait until your group's open enrollment period if they do not have a special open enrollment event before that time.

How soon can my coverage begin?

Once we receive your signed contracts, completed employee applications and first month's premium, it takes approximately 7-10 business days to add your group to our system.

How do I pay my employer group's premium?

Payments can be made online through GroupAccess, through your financial institution’s online bill payment service, by wire/ACH transfer, or by check. With the ease of GroupAccess, our secure online plan administration tool, you have the option to make a one-time payment, select automatic recurring payments, and change your account information.

To make a payment through GroupAccess:

  • Go to, and login to your account
  • Click on Access Your Group Invoice
  • Complete an Agreement Regarding Payment Instruction
  • Proceed with making a one-time payment, set up automatic recurring payments, or change your account information

To make a wire/ACH transfer, please contact your Enrollment Representative for account information.

Or, mail your payment to:

  • Blue Cross and Blue Shield of Alabama
  • ATTENTION: Payment Processing Department
  • PO Box 360037
  • Birmingham, AL 35236-0037

What is healthcare reform?

The Patient Protection and Affordable Care Act was signed on March 23, 2010. The Health Care and Education Reconciliation Act was signed on March 30, 2010. These two laws are referred to as the Affordable Care Act (or more commonly known as "healthcare reform"). Healthcare reform changes how the private insurance market provides healthcare coverage for individuals, families and businesses.

Can I offer my employee a choice between plans?

Yes, employers have the option to offer two plans to their employees.

What is an HSA plan?

Blue HSA Gold for Business and Blue HSA Bronze for Business are Health Savings Account (HSA) qualified high-deductible health plans. A Health Savings Account is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan. The funds contributed to an HSA are not subject to federal income tax at the time of deposit; funds roll over and accumulate year to year if not spent. HSAs are owned by the individual.

Blue Cross does not administer the HSA for businesses with 2 - 50 employees. If you purchase one of the HSA qualified plans, contact a financial institution for more information.