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BCBSTX — Benefits Value Advisors

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Physical Health

Medical Plans

Medical Plans

Medical Plans

Choosing the right plan starts with understanding your total cost of care and how the plans compare. Review your medical plan options from Blue Cross Blue Shield of Texas (BCBSTX).

About the Plans

All BCBSTX plans use the same provider network, cover the same medical and prescription services, and offers free preventive care. What varies is your paycheck cost, what you pay when you get care, and whether the Company contributes money to help with your expenses.

There are two types of plans offered:

  • Health Savings Account (HSA) Eligible Plans — Generally provides a lower cost out of your paycheck to help you save money to use when you need care and gives you access to a unique tax-advantaged savings account called an HSA. You can contribute pre-tax dollars, Office Depot adds a contribution, and you can use the combined funds for eligible medical, dental, and vision expenses — the money is yours to keep, year after year.
  • Preferred Provider Organization (PPO) — Offers set copays for services.

Blue Cross and Blue Shield of Texas (BCBSTX) administers three medical plan options — HSA Basic, HSA Plus, and PPO.

What's the Same

All three plans use the BCBSTX network to find trusted providers near you, and offer:

  • Free, in-network preventive care, including annual physicals, wellness exams, and immunizations
  • Low-cost virtual visits with a doctor
  • Prescription drug coverage through Optum Rx
  • You’ll work with BCBSTX Benefits Value Advisors for support
  • Protection for your wallet with an annual OOP

What's Different

The plans differ in how you pay when you receive care and what you pay in premiums each pay period. Your paycheck contribution is a key part of your total health care spend, so weigh it alongside deductibles, coinsurance, and copays when choosing a plan.

HSA Basic & HSA Plus

  • After you receive care, you will pay the deductible or coinsurance
  • Gives you access to an HSA to contribute pre-tax dollars for eligible medical expenses
  • Receives a company contribution to the HSA

PPO

  • Shows your total cost (copay) upfront, before you seek care

Cost of Care

Infographic showing the three parts of total medical cost of care: payroll contributions for medical premiums, money spent on services through deductibles, coinsurance or copays, and company contributions to an HSA that both you and Office Depot can contribute to. Together, these make up the total cost of care to consider when choosing a medical plan.

Medical Coverage Summary

Benefits Cost

Find a Provider

To find BCBSTX in-network providers near you, visit bcbstx.com/find-care or download the BCBSTX app.

Please note Hawaii and Puerto Rico residents are not eligible for BCBSTX medical plans.

Medical Plans OverviewDental

* Teladoc Health virtual visits are $10 per visit for Coworkers and dependents enrolled in a BCBSTX medical plan.
** In-network preventive care is free for Coworkers and dependents enrolled in a BCBSTX medical plan.

2027 Supplemental Child Life Insurance Monthly Premium

Plan available to United States and Puerto Rico residents.

HMSA Prescription Drug — In-Network

Prescription drug coverage is provided with the HMSA medical plan.

Triple-S Medical Plan — In-Network

Prescription drug coverage is provided with the Triple-S medical plan.

2027 SINOT STD Bi-Weekly Premiums — Puerto Rico

Seguro por Incapacidad No Ocupacional Temporal (SINOT) is a state-mandated STD program required for Puerto Rico Coworkers.
SINOT premiums are deducted from your paychecks on an after-tax basis.
Plan available to Puerto Rico residents only.

2027 LegalEASE Legal Plan Bi-Weekly Premiums

Plan not available to Puerto Rico residents.

2027 Identity Theft Protection Bi-Weekly Premiums

Plan not available to Puerto Rico residents.

Kaiser Medical Plan — In-Network

Prescription drug coverage is provided with the Kaiser medical plan.

VSP Vision Plans — In-Network

Plan available to United States and Puerto Rico residents.

Triple-S Dental Plan — In-Network

Plan available to Puerto Rico residents only.

Triple-S Medical Plan — In-Network

* Includes medical, prescription drug, and dental costs.

Plan available to Puerto Rico residents only.

Annual Tobacco-Free Premium Credit

Available to BCBSTX medical plan participants only.

BCBSTX Medical Plans — In-Network

* In the HSA Plus medical plan, you must satisfy the medical plan deductible before the coinsurance percentage shown in the chart will apply.

Prescription drug coverage is provided with BCBSTX medical plans.

BCBSTX Medical Plans — In-Network

* Each covered person has their own $6,000 deductible and out-of-pocket maximum. Once one person reaches $6,000, the plan pays 100% of that person's in-network covered costs for the rest of the year, even if the family total of $17,400 has not been met.
** Includes medical and prescription drug costs.
‍*** No one person pays more than $6,000 in a year, even on family coverage. Once one person reaches $6,000, the plan pays 100% of that person's in-network covered costs for the rest of the year, even if the family total of $12,000 has not been met.

Plan not available to Hawaii or Puerto Rico residents.

Kaiser Medical Plan — In-Network

* You must use a Kaiser provider or facility in the Kaiser network for services to be covered.‍

Plan available to California residents only.

Hospital Indemnity — Benefit Amounts

* If you are enrolled in Hospital Indemnity coverage, and if child coverage is effective before birth or elected within 60 days after birth, your newborn will receive the same cash benefits as you. If you don’t enroll in child coverage within that timeframe, you’ll receive a one‑time $300 newborn benefit at birth.

Plan available to United States and Puerto Rico residents.

HMSA Medical Plan — In-Network

* Includes medical and prescription drug costs.

Plan available to Hawaii residents only.

Delta Dental Plans — In-Network

* Four covered cleanings per year are provided to anyone with certain high-risk health conditions.

Services from non-Delta dentists are subject to the annual deductible and lower coinsurance.‍
‍Plan not available to Puerto Rico residents.

Company Match Vesting Schedule
2027 Voluntary AD&D Insurance Premiums Monthly Rates

Plan available to United States and Puerto Rico residents.

2027 Vision Bi-Weekly Premiums

Plan available to United States and Puerto Rico residents.

2027 Supplemental Life Insurance Monthly Premium

* Per $1,000 of coverage
Plan available to United States and Puerto Rico residents.

2027 Voluntary STD Buy-Up Bi-Weekly Premiums — Per $10 of Coverage

Plan not available to Puerto Rico residents.

2027 Medical Plan Bi-Weekly Premiums — Triple-S Puerto Rico

* Eligible domestic partners and their qualified children may enroll in health care coverage. Their coverage is taken after‑tax, and the value of the employer‑paid premium is treated as taxable income, which means a higher contribution amount on your pay slip.
Rates include medical, prescription drug, and dental coverage.
Plan available to Puerto Rico residents only.

2027 Medical Plan Bi-Weekly Premiums — Kaiser California

* Rates may be higher if you or your spouse/domestic partner self-identify as a tobacco user. Coworkers enrolled in the Kaiser medical plan are not eligible for the Wellness Credit.

Plan available to California residents only.

2027 Medical Plan Bi-Weekly Premiums — HMSA Hawaii

Bi-weekly Coworker contributions are based on salary tiers to comply with the Hawaii Prepaid Health Care Act.
Plan available to Hawaii residents only.

2027 Medical Plan Bi-Weekly Premiums — BCBSTX United States

* Your 2027 medical plan rates and salary-based benefits use your base salary as of October 1, 2026. Pay changes after that date will not change your 2027 rates. Coworkers eligible for commission will use a two-year average of base pay plus commissions.
** Rates may be higher if you or your spouse/domestic partner self-identify as a tobacco-user and/or did not complete the wellness requirements.

Plan not available to Hawaii or Puerto Rico residents.

2027 Voluntary LTD Monthly Premiums

* Per $100 of covered earnings.
Plan available to United States and Puerto Rico residents.

2027 HSA Contribution Limits

* Paid in quarterly installments. You must be actively employed by the company on the date each payment is made to receive it.
** Coworkers aged 55+ can make an additional $1,000 catch-up contribution each year.

2027 HSA Company Contribution

* Paid in quarterly installments. You must be actively employed by the company on the date each payment is made to receive it.

2027 Hospital Indemnity Bi-Weekly Premiums

Plan available to United States and Puerto Rico residents.

2027 Dental Bi-Weekly Premiums

Plan not available to Puerto Rico residents.

2027 Critical Illness Bi-Weekly Premiums

Plan available to United States and Puerto Rico residents.

2027 Accident Bi-Weekly Premiums

Plan available to United States and Puerto Rico residents.