It’s time to review and update your benefits.

Annual Enrollment is your opportunity to review all your benefits and personal information, as well as consider taking advantage of valuable benefits offered to you through BMC. Even if nothing has changed in your life, take a few moments to review your information and consider your choices.

View the 2020 benefits rates.

View the 2020 Annual Enrollment home mailer.

View a 2020 Annual Enrollment WebEx presentation.

What’s new and changing for 2020

See all of the changes

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Health Plans

How much you pay for coverage. If you are enrolled in the BCBSTX HSA Plan or the Kaiser HMO Plan, the amount you pay out of each paycheck will increase. However, the paycheck costs for the BCBSTX HSA Plan continues to be about a third less than the paycheck costs for the BCBSTX PPO Plan.

2020 Employee Contributions

Medical

Per paycheck contributions^*	HSA Plan	PPO Plan	Kaiser HMO
You	$35.55	$128.93	$70.78
You + Spouse	$131.35	$331.00	$202.46
You + Child	$91.68	$248.73	$139.57
You + Family	$178.61	$483.55	$295.42

*Per paycheck contributions are 24 times per year. You will pay less per pay period if you earn a medical premium discount by participating in the 2018-2019 bWell program.

See your 2020 rates now or on Your Benefits Resources™ (YBR) when you enroll.

Got bWell Rewards?

When you participate in the BMC bWell program and earn rewards, you now have choices: cash rewards^*, medical premium discounts or both. If you earned bWell rewards by August 31, 2019 and chose medical premium discounts, you will pay between $100 and $600 less for medical coverage in 2020. The Enroll in Your Benefits page on YBR will show the discounts you have earned.

*If you choose a cash reward (gift card), the Internal Revenue Code considers the gift card value as taxable income.

Did You Know?

Which myth is keeping you stuck in the PPO? If you think you aren't healthy enough to switch to the HSA plan or it's too hard to use, come see whether we can smash the myths.

About 75% of BMC employees choose the HSA Plan for their medical coverage.

Which myth is keeping you stuck in the PPO? If you think you aren’t healthy enough to switch to the HSA plan or it’s too hard to use, check out MythSmashers, where we put your HSA Plan myths to the test. You just might want to join the 75%.

HSA Plan Changes

HSA Plan deductibles and out-of-pocket maximums will increase for services received in- and out-of-network. The increase amount will depend on who you cover.

2020 HSA Deductibles

	In-Network	Increase of	Out-of-Network	Increase of
Single	$1,750	$250	$3,500	$500
All other coverage levels	$3,500	$500	$7,000	$1,000

2020 HSA Out-of-Pocket Maximums

	In-Network	Increase of	Out-of-Network	Increase of
Single	$3,500	$500	$7,000	$1,000
All other coverage levels	$7,000	$1,000	$14,000	$2,000

PPO Plan Changes

PPO Plan out-of-pocket maximums will increase for services received in- and out-of-network. The increase amount will depend on who you cover.

2020 PPO Out-of-Pocket Maximums

	In-Network	Increase of	Out-of-Network	Increase of
Single	$3,500	$500	$10,500	$1,500
All other coverage levels	$7,000	$1,000	$21,000	$3,000

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Prescription Drugs
New $0 copay program for specialty drugs. Express Scripts will introduce SaveonSP, a program that covers specialty drugs 100% (no copay or cost). Most BMC employees and their family members will not be affected by this change; few take specialty prescription drugs. If you are taking a specialty drug on the impacted list, you will receive communication from SaveonSP to enroll in the program for a January 1, 2020 effective date.

Enrollment in the program is voluntary. If you choose not to participate, you will be responsible for the copay. Keep in mind that the copay will not count towards your deductible or out-of-pocket maximum.

For example:

You are on Copaxone. Your copay is currently $70. Effective January 1, 2020, your copay will increase to $1,000.
- If you enroll in the SaveonSP program, your full copay will be paid through the manufacturer copay assistance program and you will pay nothing ($0).
- If you choose not to enroll in the SaveonSP program, your financial responsibility will be the full $1,000 copay. In addition, the $1,000 copay will not count towards your deductible or out-of-pocket maximum.
Medication management programs are expanding. BMC is committed to keeping the cost of your prescription drugs down while providing you with the coverage you need. With this goal in mind, Express Scripts uses medication management programs to determine how the Prescription Drug Plan will cover certain prescription drugs. Updates to the coverage management programs are made from time to time. Express Scripts will notify you if any of these programs apply to you.
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Health Care Accounts – More Tax-Free Savings

Change in Health Care FSA contribution limit. The 2020 annual IRS Health Care FSA contribution maximum will increase to $2,700 (up from $2,650).

Change in HSA contribution limits. The 2020 annual IRS HSA contribution limits for employee and employer contributions combined will increase to $3,550 for Employee Only coverage and $7,100 for all other coverage levels. Starting in the year in which you turn 55, you can also set aside an extra $1,000 in annual catch-up contributions.

BMC will once again contribute to your HSA at the same level as 2019 if you remain covered under the HSA medical plan.

	You-Only Coverage	Other Coverage Levels	You-Only Coverage	Other Coverage Levels
	If your annual base salary is $75,000 or less		If your annual base salary is more than $75,000
BMC Contributes	$750	$1,500	$500	$1,000
You Contribute	Up to $2,800	Up to $5,600	Up to $3,050	Up to $6,100
Total 2020 contribution allowed by the IRS (yours and BMC's)	$3,550	$7,100	$3,550	$7,100

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Basic Life Insurance

New portability feature. The Basic Life Insurance Plan will include a new portability feature that allows you to continue your current coverage if you should leave BMC. You will pay premiums directly to Lincoln Financial.

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New Work Perks

ClassPass membership discount. Starting January 1, 2020, BMC will subsidize memberships to ClassPass, the world's largest studio and gym network. This offers you a $10 a month discount on memberships with access to more than 9,000 studios around the world. Not interested in a ClassPass membership? Register on the ClassPass website and receive free videos on demand so you can work out from home or on the go.

New benefit for nursing moms. Milk Stork services will be available for employee moms who are nursing and transitioning back to work. The benefit will help get your milk home at no cost to you while on business travel, solving the logistical and cooling challenges faced while pumping.

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Dependent Eligibility Audit Starts in January 2020
The health coverage you and your eligible dependents receive through the BMC medical plan is a valuable benefit. It is also a significant investment for both you and BMC. The cost to provide health care coverage continues to escalate year over year. To help control costs and administer health benefits fairly, BMC is preparing to conduct a dependent eligibility audit starting January 6, 2020. We will partner with Alight Dependent Verification Services (DVS).

Many other employers conduct dependent eligibility audits as a process to verify that dependents covered under a medical plan option are eligible for coverage according to plan rules. The audit will help both you and BMC because it controls premium increases and promotes honesty and fairness to all participants.

The audit will cover these specific groups:
- Any dependent spouse or child covered under a BMC medical plan whose eligibility has never been verified through Dependent Verification Services.
- Any dependent spouse (legal or common-law), or domestic partner under a BMC medical plan whose eligibility was verified before 2018. The 2020 audit will ask you to submit a different document than you provided to verify eligibility in the past. For example, if you submitted a marriage certificate before, now you’ll need to submit a current tax return.
- You will receive detailed information in early 2020 describing the deadlines and the documents you will need to provide for the dependents you cover. It is important that you submit the documentation requested by the deadline stated in the communication in order to prevent your dependent(s) from being removed from medical plan coverage.
Learn more and get ready:
- Read the Frequently Asked Questions to learn more about the dependent eligibility audit.
- See the list of accepted documents that are considered proof of eligibility.
- Review the name, date of birth, and Social Security Number we have on file for you and your covered dependents at mybmcrewards.com. If any information is incorrect, complete a My Requests ticket for the BMC Benefits Team.
Read the Frequently Asked Questions about the Dependent Eligibility Audit.
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HSA Matching Program Begins in 2021

Looking ahead, beginning in January 2021, BMC will implement a Health Savings Account Matching Program for employees enrolled in the BCBSTX HSA medical plan. Under the new program, employees must contribute to their Health Savings Account in order to receive BMC matching contributions. As part of the matching program, BMC will contribute to accounts each pay period over 24 pay periods rather than twice a year in January and July. The annual limit on BMC matching contributions will remain between $500 and $1,500. The match you receive will depend on who you cover, how much you earn, and how much you contribute to your HSA.

Here are examples of how the HSA Matching Program will work for an employee with an annual salary of $75,000 or greater and dependent coverage with varying annual employee contributions:

Employee Annual Contribution	Pay Period Contributions
	Employee	BMC
Example 1: $1,000	$41.67	$41.67
Example 2: $2,000	$83.33	$41.67

If you are not contributing to your HSA now, make plans to start contributing in 2021 so you don’t miss out on BMC matching contributions.

And think about increasing your HSA contribution because all of us will eventually need more health care as we age. That way, you’ll be better prepared to handle the high cost of health care when you no longer work. Think of the Health Savings Account as a great tax-advantaged companion to the 401(k) as you save for retirement. Watch this quick video to learn more.

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Do I Need to Enroll?
Not sure if you need to enroll? Use this checklist for help. If you check ANY of these boxes, you need to enroll.

I want to:
- Opt out of BMC’s medical plans.
- Contribute to a Health Savings Account (with HSA medical plan only).
- Change my medical, dental, or vision plan(s).
- Participate in a Flexible Spending Account (FSA). To participate in an FSA, you must enroll each year. This includes:
  - Health Care FSA
  - Dependent Care FSA
  - Limited Purpose FSA (with the HSA medical plan only)
- Add or remove a dependent. Please note: You are required to submit supporting documents verifying any dependent you are adding to a BMC medical plan (marriage certificate, birth certificate, etc.) or your dependent(s) will not be covered.
- Increase or decrease coverage. For example, increase from Employee + Spouse coverage to Family coverage.
- Add, remove, increase, or decrease Supplemental Life Insurance coverage.
- Add, remove, increase, or decrease Supplemental AD&D coverage.
- Add or remove Supplemental Long-Term Disability coverage.
- Add or remove a Voluntary Benefit:
  - Identity Theft Protection
  - Group Legal
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If You Don’t Enroll by November 15

Even if you are happy with your current coverage, we encourage you to review your enrollment elections each year.

If you don’t take action during Annual Enrollment, you will have the same benefit coverage that you have for 2019, with higher paycheck contributions if you are enrolled in the BCBSTX HSA Plan or the Kaiser HMO. 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.

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How to Enroll
Complete these steps between Nov. 4 through Nov. 15 to get the coverage that’s right for you and your family.
- The easiest way to access your benefits and enroll is through Your Benefits Resources™(YBR). Log on to www.mybmcrewards.com and click on the Annual Enrollment tile on the home page.
- Once you’re on the YBR website, you’ll be guided through simple steps that will help you make good decisions. Use the online tools, like the Medical Plan Comparison tool, to help you understand your medical plan options.
- Review the name, date of birth, and Social Security Number of any dependent(s) you may cover.
- Review any life insurance beneficiary or beneficiaries you have listed.
- Review your benefits decisions and paycheck contributions to be sure they reflect your choices.
- Click the Complete Enrollment button to submit your benefit elections. If YBR has your valid email address on file (under Your Profile), you'll receive an email confirmation of your elections.
- After Annual Enrollment, you'll receive a confirmation statement in your home mail. Check it carefully!
- If you find any mistakes, call the Your Benefits Resources Service Center immediately. If you don’t correct any errors before December 27, 2019, you won’t be able to change your elections for 2020 unless you have a qualifying event, like marriage, a new baby, or divorce.
If you leave the enrollment website before submitting all of your elections, your benefit choices will not be saved. Look for the “Your Enrollment is Confirmed” page with a confirmation number for your transaction to signal that your enrollment is complete. Print this page for your records.

If You Are Adding a New Dependent

If you add a new dependent to your coverage for 2020 during Annual Enrollment, you will need to verify your dependent’s eligibility. YBR will send you a verification request notice and package to your home address. Follow the instructions in the package and respond with the requested documentation by the deadline. If you do not complete and return the requested documents, your dependents will be ineligible for coverage and removed from BMC benefits.

Need assistance?

If you need enrollment assistance, call Your Benefits Resources Service Center at 1-877-262-4849, 8 a.m. to 9 p.m., EST. When you call, enter your ID and password and select Your Benefits Resources.
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The Big Picture

See the total value of working at BMC.

MyBMC Rewards provides a snapshot of your pay, retirement benefits, health and insurance benefits and corporate programs. Visit MyBMC Rewards to:

See details about your health and insurance benefits and costs
Enroll in or change your benefits.

Go online anytime or call 877-262-4849. Representatives are available from Monday through Friday, 8 a.m. to 9 p.m., Eastern time.

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It’s time to review and update your benefits.

What’s new and changing for 2020