State Health Benefit Plan (SHBP)

The State Health Benefit Plan (SHBP) is established for the benefit of school districts and other governmental employers by the Georgia legislature.  SHBP operates through the Georgia Department of Community Health (DCH).  SHBP and DCH determine the plan design, the monthly premiums, and the network providers.  Colquitt County Schools provides payroll deduction for your premium along with other administrative support.  A Decision Guide is available for new employees, and the monthly premiums are available here.  There is also a State Health Benefit Plan video guide available. 

You may choose between Anthem and UnitedHealthcare for your health plan coverage.  Anthem offers four plan options: three HRA plans and one HMO plan.  The HMO plan option provides in-network coverage only, and requires copays for many services.  UnitedHealthcare offers an HMO similar to the Anthem plan, along with a High Deductible Health Plan (HDHP).  The HDHP has the highest deductible and out-of-pocket costs, but the lowest premiums.

The Anthem plans include Gold, Silver, and Bronze HRA plan options, and an HMO plan option.  On the HRA plan options, most services are subject to a deductible. Then you pay coinsurance up to the out-of-pocket maximum. For prescription drugs, you pay a percentage of the retail cost.  The HRA plans include a plan-funded Health Reimbursement Account (HRA) to reduce / offset your deductible and pharmacy expenses.  Preventive care is covered at 100% in-network before the deductible, and certain drug costs are waived if you participate in a Disease Management Program (diabetes, asthma and coronary artery disease).  To participate, contact Anthem.

The HMO plan has the lowest deductible and provides in-network coverage only. Some services (office visits, ER and prescription drugs) are covered at 100% after a copay. For most other services, you are responsible for a deductible and coinsurance until you meet your out-of-pocket maximum.   Please be aware that copays do not count towards your deductible.  Preventive care is always covered at 100% before the deductible, and certain drug costs are waived if you participate in a Disease Management Program (diabetes, asthma and coronary artery disease).  To participate, contact Anthem.

 

The UnitedHealthcare plans include an HMO option and a High Deductible Health Plan (HDHP) plan option.  This HMO plan has the same benefits as the Anthem HMO, but utilizes the UHC network. 

The HDHP plan has the lowest premiums, highest deductible, and highest maximum out-of-pocket costs.  All services, including pharmacy, are subject to the deductible and coinsurance, and there are no copays with this plan.  Once you meet your deductible, you pay coinsurance until you satisfy the out-of-pocket maximum.  As with the other State Health plan options, wellness incentive points can be earned by High Deductible Health Plan members.

 

Colquitt County Schools contributes $945 per employee per month towards your medical coverage. This is an annual employer contribution amount of $11,340.

 

Transfers from Other Georgia Systems

  • If you transfer from another Georgia system, you must retain your current medical coverage for the remainder of the calendar year.
  • No changes are allowed to your SHBP coverage until the next Open Enrollment period, unless you have a Qualifying Life Event (QLE).

 

Medicare

For active employees with spouses that are enrolled in Medicare and not disabled, SHBP is primary.  The spouse is not required to elect Part B (medically necessary services such as outpatient care and preventive care) until the active employee retires.  However, the spouse will automatically receive Part A (hospital insurance). 

 

 

Premium Information

Important Documents

Anthem HRA Plan - Gold In | Out Anthem HRA Plan - Silver In | Out Anthem HRA Plan - Bronze In | Out Anthem / UHC HMO Plan In (No Out-of-Network Coverage) UHC HDHP Plan In | Out
Deductible
You
$1,500 | $3,000 $2,000 | $4,000 $2,500 | $5,000 $1,300 $3,500 | $7,000
You + Child(ren) / Spouse
$2,250 | $4,500 $3,000 | $6,000 $3,750 | $7,500 $1,950 $7,000 | $14,000
You + Family
$3,000 | $6,000 $4,000 | $8,000 $5,000 | $10,000 $2,600 $7,000 | $14,000
Medical Out-of-Pocket Max
You
$4,000 | $8,000 $5,000 | $10,000 $6,000 | $12,000 $4,000 $6,450 | $12,900
You + Child(ren) / Spouse
$6,000 | $12,000 $7,500 | $15,000 $9,000 | $18,000 $6,500 $12,900 | $25,800
You + Family
$8,000 | $16,000 $10,000 | $20,000 $12,000 | $24,000 $9,000 $12,900 | $25,800
Coinsurance (Plan Pays)
85% | 60% 80% | 60% 75% | 60% 80% 70% | 50%
HRA Credits
You
$400 $200 $100 N/A N/A
You + Child(ren) / Spouse
$600 $300 $150 N/A N/A
You + Family
$800 $400 $200 N/A N/A
Medical
ER
Coins after ded Coins after ded Coins after ded $150 copay Coins after ded
Urgent Care
Coins after ded Coins after ded Coins after ded $35 copay Coins after ded
PCP Visit
Coins after ded Coins after ded Coins after ded $35 copay Coins after ded
Specialist Visit
Coins after ded Coins after ded Coins after ded $45 copay Coins after ded
Preventive Care
100% | None 100% | None 100% | None 100% 100% | None

Pharmacy Information


CVS Caremark is the pharmacy vendor for all medical options. 

  • CVS Caremark administers the pharmacy benefits for HRA, HMO, and HDHP members. The CVS Caremark pharmacy network is extensive (not limited to CVS pharmacies), and participating pharmacy information is available by accessing info.caremark.com/shbp.
  • For your convenience, you may purchase a 90-day supply via retail at participating in-network pharmacies.
  • Certain drug costs are waived if SHBP is primary and you actively participate in one of the Disease Management programs for diabetes, asthma, ALS, cystic fibrosis, Parkinson’s Disease, or coronary artery disease.

 

The pharmacy costs are included in your out-of-pocket maximums. Additional details are located in the State Health Benefit Plan Decision Guide.

 

Telemedicine


The medical plans include a telemedicine benefit that allows you to speak to a participating doctor from home or work through your smartphone, tablet, or computer 24 hours a day / 7 days a week. You must use in-network providers for coverage to apply. HMO members pay a copay and HRA members pay coinsurance for telemedicine. High Deductible Health Plan members can access this benefit subject to the health plan deductible. Consider this convenient benefit for non-complex medical conditions. Download the LiveHealth mobile app today! 

More information is available under Resources.

Enrollment - ADP Portal


How to complete your State Health Benefit Plan (SHBP) Enrollment through the ADP Portal.

 

 

Once registered, you should:

  • Verify your address

  • Verify your coverage tier (you only, you & spouse, you & child(ren) or you & family)

  • Verify your dependents

  • Answer the Tobacco Surcharge question

  • Make sure you print your confirmation, write down the confirmation number, or save an electronic copy

Dependent Verification


  • If you wish to add dependent(s) (spouse and / or children) to your health plan, ADP will contact you (by mail and email) to request appropriate verification documents.  If you do not receive the request, contact SHBP directly to have the request sent to you.  They can be reached at (800) 610-1863.
  • The communication from ADP will include a personalized fax cover sheet with a bar code that must be used when submitting documentation.
  • Appropriate documentation must be attached to the fax cover page and provided by the deadline set by ADP.
  • Non-verified dependents cannot be reinstated until the next open enrollment period and would require appropriate documentation.
  • Additional information can be found on the SHBP website.

Online Resources


Go Online for More Resources

Access the two following plan websites to locate the participating providers and to find health and wellness tools, plan details, and to print ID cards. 

 

Anthem

www.anthem.com/shbp

Select "Find Care' from the Main Menu and then follow instructions to find a doctor.

UnitedHealthcare

www.whyuhc.com/shbp

Select "Find a Doctor or Facility" under the Benefits drop down. Select "Choice HMO" or "HDHP with HSA" and follow the search instructions.

Other Medical Plan Options


TRICARE Supplement Plan

The TRICARE Supplement Plan is available for retired military employees, and is a supplement to your current TRICARE benefits.  The plan provides reimbursement of copays and other medical expenses associated with your current TRICARE plan.  Additional information can be found here.

 

 

PeachCare for Kids

The state of Georgia offers an affordable health insurance program called PeachCare for Kids.  This plan provides healthcare, dental, and vision benefits for children up to age 19.  To learn if you are eligible, and to obtain benefits, cost, and application information, click here.