Health & Dental Plans > 2-14 Employees
To be eligible for group coverage, an employer must:
Minimum Health Requirements
At least 75% of eligible employees (excluding those with other Blue Cross and Blue Shield of Alabama coverage) must be enrolled at all times. Of employees eligible for family coverage, 75% must be enrolled in family coverage.
The employer must contribute at least 50% of the individual rate toward each employee's coverage.
Minimum Dental Requirements
At least 25% (minimum of 2) of eligible employees must be enrolled at all times.
The employer may contribute between 0% and 100% of the individual rate toward each employee's coverage.
Documentation Requirements for a Two- or Three-Person Employer Group
For companies with only two eligible employees, documentation is needed to verify group eligibility. A husband and wife do not constitute a two-person group.
One of the following is needed:
For two-person groups where a mother and father enroll on a family contract and a child above the dependent age enrolls on a second contract, proof of full-time employment for each contract holder is needed. Acceptable forms of documentation are the previous year's W2, 1040 SE, K-1 or K-6. We cannot enroll a two-person group that consists of a contract for a dependent-age child and a contract for the child's parents.
For a three-person group with separate contracts for a husband, wife, and another employee, proof of full-time employment is needed for all three contract holders.
Income Tax Exempt
In rare situations, an employee may be exempt from Alabama income tax. In this case, a copy of federal Form 941, Employer's Quarterly Federal Tax Return, should be provided.