In 1993, the Local Government Health Insurance Plan (Plan) was created by the Alabama Legislature to provide health insurance benefits for local government employees. The Local Government Health Insurance Board is responsible for the control and supervision of the Plan, as well as designing benefits and setting premiums for more than 60,000 active and retired local government employees and their dependents.
To view the full New Unit Application and Enrollment Guide, click here.
Our Healthcare Partners
Health & Dental
Blue Cross and Blue Shield of Alabama
Pharmacy
Prime Therapeutics
Medicare Advantage
UnitedHealthcare
Voluntary Dental, Vision, & Cancer
Southland Benefit Solutions
Eligibility
Subject to acceptance by the board, any of the following entities or organizations are eligible to join the Plan:
- Counties
- Municipalities
- Municipal foundations
- Fire or water districts, authorities, or cooperatives
- Regional planning and development commissions
- Railroad authorities
- Solid waste disposal authorities
To view a complete list of entities and organizations, review Chapter 5: Appendix (d) (2). If you don't see your organization type listed, please contact us to discuss eligibility.
Standard Monthly
Premiums: Medical
Standard Rates with Dental
Single $697 | Family $1,761
Standard Rates without Dental
Single $669 | Family $1,691
Preferred Monthly
Premiums: Medical
Preferred Rates with Dental
Single $637 | Family $1,553
Preferred Rates without Dental
Single $609 | Family $1,483
Monthly Premiums:
Southland Voluntary
Southland Vision
Single $12 | Family $20
Southland Dental
Single $44 | Family $44
Southland Cancer
Single $12 | Family $24
Our Plan also offers Medicare and Non-Medicare retiree coverage, as well as Southland Voluntary plans.
Standard Rate Criteria
Units meeting one or more of the following criteria are classified in the standard premium category:
- Less than three months of participation in the LGHIP.
- Less than 80% wellness participation by their active employees during the wellness qualifying period.
- Has failed to pay its premium payment within 30 days from the due date on two or more occasions within the last two years. Local Gov may allow units to pay their premium payments via automatic bank draft and remain in the preferred premium category.
Preferred Rate Criteria
Units must meet all of the following criteria to be classified in the preferred premium category:
- More than three months of participation in the LGHIP.
- 80% or more wellness participation by their active employees during the wellness qualifying period.
- Has not been delinquent on two premium payments within the last two years.
Each unit is classified into either the “standard” or “preferred” category for calculating employee premiums. Retiree premiums are calculated based on the claims experience and do not use standard or preferred premium categories.
