View the 2018 benefits costs.
Download the 2018 enrollment brochure.
See the 2018 Enrollment Meeting Presentation.
Good news! For the large majority of our employees who are in the Health Savings Account (HSA) medical plan option, paycheck contributions will remain the same as in 2017. And deductibles, coinsurance and annual maximums for all medical plan options are not changing.
If you are in the PPO or HMO medical plan option, your monthly cost will increase $3 to $41, depending on the plan option and who you cover. These increases reflect the claims paid on behalf of all plan participants over the last year and medical inflation.
See your 2018 prices now or on Your Benefits Resources™ (YBR) when you enroll.
If you participated in Mission Superheroes—the 2016-2017 BMC Wellness Program—and completed reward levels two or three by the deadline, you earned a $200 or $500 discount on your paycheck costs for medical in 2018. The Enroll in Your Benefits page on YBR will show the discounts you have earned.
Is the HSA Plan Right for You?
An HSA Plan might be right for you if you want to:
Keep in mind there are some important differences in eligibility and prescription coverage with the HSA Plan.
Beginning in 2018, the new Smart90 feature of your prescription benefit gives you two ways to get up to a 90-day supply of your long-term maintenance medications (drugs you take regularly for ongoing conditions). You can conveniently fill those prescriptions either through home delivery from the Express Scripts Pharmacy or at any Walgreens pharmacy—including Duane Reade and Happy Harry's.
If you are currently using the Express Scripts home delivery pharmacy and want to switch to receiving your medication at a retail pharmacy, you will need to obtain a new 90-day prescription from your physician and bring it to a participating Walgreens network store.
The cost for MDLIVE telehealth consultations will increase to $44 from $40. This copay applies to:
The IRS has increased the HSA contribution limit for those with HSA Plan medical coverage. Starting in January 2018, contribution limits are:
The limits include what BMC contributes and what you (or anyone else) contribute to your account. Also, if your spouse has his/her own HSA, your combined contribution totals are subject to the family contribution limit.
BMC will once again contribute to your HSA at the same level as 2017 if you remain covered by the HSA medical plan.
| If your base salary is $75,000 or less | If your base salary is more than $75,000 | |||
|---|---|---|---|---|
| You-Only Coverage | Other Coverage Levels | You-Only Coverage | Other Coverage Levels | |
| BMC Contributes | $750 | $1,500 | $500 | $1,000 |
| You Contribute | Up to $2,700 | Up to $5,400 | Up to $2,950 | Up to $5,900 |
| Total 2018 contribution allowed by the IRS (yours and BMC's) | $3,450 | $6,900 | $3,450 | $6,900 |
If you will be age 55 or older anytime during 2018, you can contribute an additional $1,000 to your HSA.
Your health is important to your quality of life, your family, your career and the health of our business. Over the last several years, BMC has talked about the need to continue to improve employee health to help control our costs and reduce operating expenses. We know that making healthy choices, getting regular preventive care, managing existing health conditions and using your benefits efficiently affect the cost of health coverage for everyone.
Even as health care costs continue to trend higher, BMC remains committed to keeping employee costs as low as possible. We have been able to keep average employee cost increases to less than 1%, despite average marketplace increases of 6% for 2018. This is in large part a reflection of the good work of our employees to build and maintain healthy habits. And as part of our commitment to you and your health, BMC still pays almost 80% of the costs for coverage for you and your family.
Your benefits include many services to help you get healthy, stay healthy and save money. Ways you can take action to improve your health and manage costs include:
Delta Dental will replace MetLife as BMC's dental carrier. This new partnership will provide cost and administrative efficiencies for employees and for BMC, while still providing you and your family with quality care.
With this change, you will have access to the largest dental network in the U.S., with almost 160,000 dentists. If you are currently enrolled in the BMC Dental Plan, your coverage will carry over automatically into 2018 at the same coverage level as it is today.
Delta Dental maintains two provider networks—PPO and Premier. You will always pay less when you see a Delta Dental PPO dentist, but you will also enjoy cost advantages if you see a Premier dentist. Find out if your current dentist is in the PPO or Premier network by using the provider search tool on deltadentalins.com or calling 1-800-521-2651.
Monthly paycheck contributions for dental will decrease by between $10 and $31, depending on who you cover. And deductibles, coinsurance, and annual maximums are not changing!
See your 2018 prices now or on Your Benefits Resources™ (YBR) when you enroll.
Check out these new benefits that are designed to make your life a little easier.
BMC is partnering with Bright Horizons to provide a new, optional benefit that helps you find emergency backup care for your children or aging relatives when the unexpected occurs. Bright Horizons Care Advantage® specialists can provide you with:
Bright Horizons' referral services are available to you at no cost and cover up to 10 days of care per employee per year. If you decide to use any of the recommended services, the copays are:
Visit the Bright Horizons website to learn more.
In 2018, BMC is offering identity theft protection from InfoArmor. This optional coverage is designed to alert you of any changes to your credit, financial transactions, and personal information.
If you do become a victim of fraud, InfoArmor has specially trained experts to take the burden of identity restoration off your shoulders. The plan pays up to $1 million to recover your out-of-pocket losses from fraudulent activity.
BMC employees can choose this benefit for a monthly cost of $9.95 for single coverage or $17.95 for family coverage.
Visit myprivacyarmor.com or watch the overview video to learn more.
Read the details about these benefits in the new, interactive Benefits Guide on mybmcbenefits.com.
Introduced in September 2017, the BMC Cares volunteer program opens doors for our employees to volunteer in their local communities through company-sponsored projects and group-volunteer opportunities. To encourage employees to volunteer, BMC provides two paid volunteer days each year — Volunteer Time Off (VTO) — for employees to work in their communities. This time off is in addition to regular PTO.
Review the Paid Time Off (PTO) Policy and visit the BMC Cares page to learn more.
Even if you are happy with your current coverage, we encourage you to review your enrollment elections this year.
If you don't take action during Annual Enrollment, you will have the same benefit coverage that you have for 2017, with higher paycheck contributions for the PPO and HMO medical plan options. Remember, you must enroll if you want to change your coverage, add or remove dependents, or contribute to a Flexible Spending Account or Health Savings Account.
Complete these steps between October 30 and November 10 to get the coverage that's right for you and your family.
If you leave the YBR website before submitting all of your elections, your benefit choices will not be saved. Look for the "Completed Successfully" message to signal that your enrollment is completed, and print this page as confirmation of enrollment.
If you add a new dependent to your coverage for 2018 during Annual Enrollment, you will need to verify your dependent's eligibility. YBR will send you a verification request notice and package at your home address. Follow the instructions in the package and respond by the deadline. If you do not complete and return the requested documents, your dependents will be ineligible for coverage and dropped from BMC benefits.
If you need assistance using YBR, call a Benefits Center representative at 1-877-262-4849, 8 a.m. to 9 p.m., Eastern time. When you call, enter your ID and password and select Your Benefits Resources.
MyBMC Rewards provides a snapshot of your pay, retirement benefits, health and insurance benefits and corporate programs. Visit MyBMC Rewards to:
Go online anytime or call 877-262-4849. Representatives are available from Monday through Friday, 8 a.m. to 9 p.m., Eastern time.
From enrollment reminders to important 401(k) information and benefits updates, you can be the first to know when your attention or action is required.
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