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What's Changing in 2027

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Physical Health

Where to Go for Care

Where to Go for Care

Where to Go for Care

Choosing the right level of care helps you get treatment quickly while avoiding unnecessary costs.

Choosing the Right Level of Care

Knowing where to go for care can save you time and money. Here’s how the options compare:

Teladoc Health — A quick, low-cost option for care. Connect with a doctor or licensed behavioral health provider anytime, day or night, from your phone or computer. Teladoc Health also offers virtual primary care, giving you an ongoing relationship with a provider for routine visits, chronic condition support, and referrals when in-person care is needed.
Primary Care Physician (PCP) — See your in-network PCP in person for free preventive care and low-cost visits. Your PCP is your best resource for routine care, ongoing health management, and referrals to specialists.
Urgent Care — A good option when you need help quickly but it’s not life-threatening — think a sprained ankle, a bad ear infection, or a high fever that needs attention right away when your PCP isn’t available.
Emergency Room — Reserve the ER for true emergencies such as broken bones, cardiac and breathing issues, sudden dizziness or loss of vision.

How They Compare

Medical Plans Overview Dental

* 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.