BENEFITS INFORMATION

Accessing your insurance coverage information

At Brindlee, we utilize an online portal called Employee Navigator.

Click here for more info on Employee Navigator.

This is where you can access your enrolled coverage details regarding all insurance coverage Brindlee provides.

Brindlee utilizes Blue Cross Blue Shield of Alabama (BCBS) as our primary health insurance provider well as a bridge/secondary provider called Employee Benefit Services (EBS). Explore more about each below.

Blue Cross Blue Shield of Alabama (BCBS)

Blue Cross Blue Shield of Alabama is our primary health insurance provider.
You can register or log into your myBlueCross account here.
Once logged into the myBlueCross portal, you can access a variety of information including (but not limited to) your benefit summary, claim statements, ID cards, proof of coverage letters, reimbursements, and dependent information.

Employee Benefit Services (EBS)

Always present your two Insurance ID cards (BCBS and EBS) to your medical provider when receiving services.
If you forget to inform your provider about your secondary plan, call the number on the billing statement, provide your EBS ID card information, and ask the provider to file a claim with EBS.
Always check the accuracy of your medical billing statements.
Do not pay a medical bill until the claim has been processed by both your primary carrier and EBS.
If your medical provider refuses to file a secondary claim, call EBS to discuss your situation (also see video below).
Send EBS two documents: the actual claim from your medical provider (HICFA 1500 forms for physician's offices/clinics, UB92 forms for hospitals) and the Explanation of Benefits (EOB) from your primary carrier. You can mail or fax these documents.
For additional questions, call EBS at: 877-335-0002
To access information about your processed claims, visit ebsincms.com.

EBS plan - helpful hints

All charges that are applied to the primary carrier's deductible & out-of-pocket expense limit are covered.

There is not a separate network for EBS. If your provider is in network with your primary carrier, they are in network with EBS as well.

claim filing process

Your provider will submit your medical claim to your primary carrier first (BCBS).
Then, they will submit your claim along with the primary Explanation of Benefits (EOB) to EBS.
EBS will process your claim and make the appropriate payment directly to your provider.

medical bills

Before paying your provider, always check to make sure that the billing statement reflects any adjustments or payments from the primary carrier and EBS.
The billing statement from your medical provider is often sent out before the primary carrier or EBS have processed your claim.
Therefore, the “amount owed” on the billing statement may not be accurate.

explanation of benefits (EOB)

Another way to make sure you are paying the provider the correct amount is to compare the patient balance on your bill to the patient portion on your EBS Explanation of Benefits (EOB).
EBS will mail you a monthly EOB showing all claims processed for you and your dependents during the previous month.
If your employer has opted for electronic EOBs, those will be emailed to you as claims are processed.
EOBs are also available for you to download on the EBS website. See below for directions on how to download EOBs into acceptable format for submission to file with EBS.

See the video and/or the documented instructions below for how to download EOB's from BCBS in order to file with EBS if you did not present your EBS card at time of service OR if your healthcare provider refuses to file with EBS.

To Download claim history in order to submit to EBS follow these steps:

Naming / updating your life insurance policy beneficiary

Log into Employee Navigator here
Once on your home screen -- select "Change Benefits" button
On the "Change Benefits" page, select either "Group Life Beneficiary" and/or "Voluntary Life Beneficiary" to change/update either (see below):

BCBS Prescription Tier List

Wondering what Tier your prescription drug falls into according to BCBS? Utilize the Ctrl+F function to search the below document to locate the exact Tier your drug is classified as.

2025_AL_6T_Source+Rx_1.0.pdf

Will Preparation Service

To access the free Will Preparation service provided by Guardian, CLICK HERE

This will launch the Estate Guidance webiste (pictured below).

MAKE SURE TO ENTER THE CODE: "Guardian" in the upper right-hand box.

Select which Will-Prep product you wish to generate from the drop-down menu in the middle of the homepage.

A Will-Prep wizard/form will walk you through the steps to create a Last Will & Testament. Other types of Wills are available at a small cost.

For further assistance regarding benefits, send your request to tcraig@firetruckmall.com

Page updated

Report abuse