Get Your Questions Answered
The ARHA Health Plan is a high deductible plan with BlueCross BlueShield, partnered with TransAmerica. Combining primary and secondary insurance creates maximum savings for the plan’s participants.
Secondary insurance pays most deductibles and out-of-pocket expenses up to the policy limit after your primary medical plan has paid its covered expenses. For the ARHA Health Plan, your secondary coverage pays a total of $4,000 toward your deductible and out-of-pocket maximum, meaning you only have to pay $3,000 of your own money in any given year (excluding copays).
Active ARHA members must have at least one common law employee to be eligible for the ARHA Health Plan. Sole proprietors are not eligible to participate in the plan. It is at the member’s discretion whether to offer the ARHA Health Plan to its employees. If a member chooses to offer the plan, only active employees working 30 or more hours per week are eligible to enroll.
Open enrollment is a Qualifying Life Event. If your employer decides to participate and you are enrolled in another health plan, you may still be eligible to enroll in the ARHA Health Plan. Credit can be given for the deductible that you and your family members have already reached on your current health plan.
Questions about the ARHA Health Plan and its benefits can be directed to a CAC Agency Benefits Consultant:
Matt Cate, mcate@cacgroup.com | 205-874-1226
Samantha Carlisle, scarlisle@cacgroup.com | 205.874.1227
Simon Customer Support 1 (888) 819-5418