About the Program

  • There is no medical required to join.
  • You are eligible if you are associated with a Participating Organization through membership or employment.
  • Coverage is offered as a package. You are enrolled in all of the benefits for which you are eligible.
  • Insurance coverage increases in year two and year three.
  • You may choose to pay premiums annually or monthly.
  • You may insure your eligible dependant(s) for coverage (your spouse and each eligible dependant child under 18 or under 26 if still in school).
  • Your eligible dependant(s) have the option to continue coverage in the event of your death.
  • Your coverage becomes effective the first day of the month after AFBS approves your Enrollment Form and receives your premium payment.
  • Your Benefit Year runs for 12 months from the effective date of your coverage. For example, if your coverage began effective November 1, 2012, your Benefit Year would run from November 1, 2012 up to October 31, 2013. The second Benefit Year would run from November 1, 2013 to October 31, 2014.
  • Your premium costs are guaranteed for 12 months from the effective date of your coverage.
  • You will receive a certificate number and corresponding group number with your insurance package. Use these numbers when going to the pharmacy or visiting your dentist to exercise the Pay-Direct option.
  • Some drug prescriptions and dental claims can be processed immediately from the pharmacy or dental office. This eliminates the need to send a paper claim to AFBS for processing.
  • Your pharmacist or dentist will let you know when electronic processing isn’t possible and when you need to submit a paper claim form.
  • Dental Care treatment that is expected to cost $500 or more, and other major dental services, will require pre-authorization before treatment begins.

Please note: AFBS does not sell or provide Member information to outside organizations, and will never solicit your personal or financial information by phone or email. For further information, please see Protecting Your Privacy.

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