View the 2023 Health Care Rates.
View the 2023 Benefits Guide.
View a 2023 Annual Enrollment Webinar.
Employee paycheck contributions for medical coverage will increase for all medical plan options in 2023 to keep pace with rising healthcare costs. The costs you pay when you receive care, such as deductibles, copays, and coinsurance, are not changing.
On average, employer costs for health care will increase 6.5% to more than $13,800 per employee in 2023. BMC covers about 80% of this annual cost, and you cover the remainder. Faced with these cost increases, BMC applied the smallest increase possible to employees’ medical premiums for 2023 to maintain the quality you have come to expect from our plans.
| Per paycheck contributions* | HSA Plan | PPO Plan | Kaiser HMO |
|---|---|---|---|
| You | $46.29 | $155.51 | $86.16 |
| You + Spouse | $174.05 | $402.99 | $246.46 |
| You + Child(ren) | $121.49 | $302.83 | $169.91 |
| You + Family | $236.67 | $588.72 | $359.63 |
*Per paycheck contributions are 24 times per year. You will pay less per pay period if you earned a medical premium discount by participating in the 2021-2022 bWell program.
You will pay between $100 and $600 less for medical coverage in 2023 if you earned bWell rewards by August 31, 2022, and chose medical premium discounts. You’ll see the earned discounts on mybmcrewards.com after you click on Enroll in Your Benefits.
To earn rewards and pay lower paycheck costs for medical coverage in 2024, join this year’s bWell program, Out of This World. Explore metaphorical galaxies while you (and your spouse) make lasting changes to your overall well-being.
The 2023 Healthcare Flexible Spending Account (FSA) contribution limit will be $2,850. You can carry forward up to $570 from 2022 for use in 2023. See 2023 limits on tax savings accounts.
With inflation hitting everyone’s budgets right now, knowing how to save money when we need a medical procedure or service is good. BMC partners with BCBSTX to bring you tools to help you choose the proper care that meets your needs and is within your budget.
Health Advocacy Services—Call the number on your BCBSTX medical ID card to speak with an advocate. Advocates can help you identify ways to help you save money on health expenses before receiving a medical procedure or service. If you have questions or concerns about a medical bill, an advocate can help with that, too.
Digital Health Solutions—The BCBSTX medical plans include several digital resources to complement your one-on-one experience with your doctor. These programs are available at no added cost and can help you manage a health issue. Services include coaching and, in some cases, may use internet-connected biometric devices and wearable sensors to help you and your family achieve health improvement goals. Learn more here. Read about the newest addition to digital health resources, Learn to Live.
BCBSTX Member Rewards—Did you know you can shop and compare costs for over 1,600 health care procedures online using the BCBSTX Provider Finder tool? Just like shopping for new tires for your car or a new computer, doing a little comparison shopping can really pay off.
The price of health care services can differ by hundreds and sometimes thousands of dollars based on where you get care. Higher cost doesn’t always mean better quality. By choosing a cost-effective option for your care, you can save money on your out-of-pocket costs and could earn a cash Member Reward.
Take a look at these examples:
| Medical Procedure | Provider A Cost | Provider B Cost |
|---|---|---|
| MRI of the Brain | $682 | $3,849 |
| Knee Replacement | $17,003 | $61,980 |
It’s easy. Just follow these steps when a doctor suggests a medical procedure or service:
Once the claim is paid, you’ll receive a check in the mail.
The IRS has increased contribution limits for Health Savings Accounts. For 2023, you can contribute $3,850 for individual coverage (up from $3,650) or $7,750 for family coverage (up from $7,300). The catch-up contribution limit for those who are 55 or better remains $1,000. See limits for all tax savings accounts here.
| If your base salary is $75,000 or less | If your base salary is more than $75,000 | |||
|---|---|---|---|---|
| Employee-Only Coverage | Other Coverage Levels | Employee-Only Coverage | Other Coverage Levels | |
| BMC Flat Seed | $200 in January and July for a total of $400 | $0 | $0 | |
| BMC matches your contributions (dollar-for-dollar) | Up to $350 | Up to $1,100 | Up to $500 | Up to $1,000 |
| BMC will match your HSA contributions each pay period in 2023 | ||||
| Your contribution limit | Up to $3,100 | Up to $6,250 | Up to $3,350 | Up to $6,750 |
| Total 2023 contribution allowed by the IRS (yours and BMC’s) | $3,850 | $7,750 | $3,850 | $7,750 |
| If you are age 55 or better at any time during 2023, you can contribute an additional $1,000 to your HSA. | ||||
The BMC Health Savings Account (HSA) is only available to employees enrolled in the BCBSTX HSA medical plan option. The HSA helps you pay for the cost of care for you and your eligible tax dependents not paid by insurance.
Administration of the Health Savings Account in moving from Your Spending Account to Fidelity early next year. Read More.
More than half of people will struggle with a mental health concern. Digital mental health programs from Learn to Live (L2L) can help you get your mental health on track to feel better and enjoy life more. L2L programs are accessible anytime and anywhere, providing help on demand without the cost and long waits often needed for in-person therapy. They are also convenient, easy to use, and anonymous.
Learn to Live (L2L) can help you learn new skills to break old patterns that may be holding you back. The program begins with an online assessment to help pinpoint the right programs for you, such as:
The program offers customized, user-paced, online programs based on the proven principles of Cognitive Behavioral Therapy (CBT) and on years of research showing online CBT programs to be as effective as face-to-face therapy. Get started here.
Do you have a Health Savings Account (HSA) or a Flexible Spending Account (FSA) in 2022? Here’s a quick summary of what to expect and actions you might need to take as we transition the administration from Your Spending Account (YSA) to Fidelity.
Here’s a recap of steps if you have a Health Savings Account (HSA) administered by Your Spending Account (YSA) and you actively enrolled in a BMC HSA for 2023 (with a contribution of $1 or more) during annual enrollment.
You may elect to transfer your current balance to Fidelity. There will be no cost to move your funds if you consent to the transfer between October 31 and December 31, 2022. To learn more, login to NetBenefits.com. If you initiate an individual transfer after the window closes on December 31, you’ll be responsible for any applicable fees.
Note: Beneficiary information does not transfer. You’ll need to designate your beneficiary for your HSA at Fidelity by visiting NetBenefits.com.
For Flexible Spending Accounts, the balances will automatically transition to the new Fidelity account in April after the runout period. The runout period is between January 1 to March 31, 2023. During the runout period, you may submit 2022 claims by visiting mybmcrewards.com.
February 14- March 10: Your 2022 HSA account balance will be unavailable during the transfer to Fidelity; your funds will be available the week of March 13 in your account with Fidelity.
Go to NetBenefits.com (the same place you access your BMC 401(k) account) to access your new HSA administered by Fidelity.
Your 2023 contributions will be available in January.* You can access your new BMC HSA administered by Fidelity:
*Remember, for those earning $75,000 or less half of BMC’s annual contribution is added to your account in mid-January and the rest mid-July. All who participate in the HSA contribution account, your contributions are added to your account after each pay period. Learn more about BMC matching contributions to your HSA here.
Here’s a recap of steps if you did not actively enroll in a Health Savings Account for 2023 (because you did not enroll in a high deductible health plan (The HSA Medical Plan).
If you complete these steps, your current account (administered by YSA) will be transferred to Fidelity and you’ll avoid specific fees.
By December 31: Complete an e-consent to transfer your account to Fidelity.
By December 31: Open an HSA at NetBenefits.com (the same place you access your BMC 401(k) account).
If you complete the above steps, you’ll have access to your current account the way you do today through December 31, 2022. However, during the blackout period of February 14 to March 10, your balance will be unavailable during the transfer to Fidelity until the week of March 13.
Your 2022 account is administered by YSA through March 31, 2023. Any remaining balances up to the IRS limit will carry over to your 2023 FSA at Fidelity after April 30, 2023.
By December 31: Incur eligible expenses for reimbursement from your 2022 account; otherwise, lose any unused amount for the Dependent Care FSA and any unused amount over the IRS limit for the Health Care FSA and Limited Health Care FSA.
December 31: Last day to use your YSA debit card for eligible Health Care FSA expenses.
By March 31: Submit 2022 expenses for reimbursement from your 2022 account:
After April 30: Remaining 2022 Health Care FSA balance (up to the IRS limit) will transfer to Fidelity. The carry-over balance from 2022 will be combined with any Fidelity-administered Health Care FSA you elected during annual enrollment.
If you enrolled in a Health Care FSA for 2023, you can access your FSA account at Fidelity starting January 1, 2023. If you are not contributing to a 2023 Health Care FSA but have a carry-over amount from 2022, you can access your account after April 30.
You can access your Fidelity FSA:
Your 2022 account is administered by YSA through March 31, 2023, for reimbursement of daycare expenses you incur by December 31, 2022. You lose any remaining balance after that.
You have until March 31, to submit 2022 daycare expenses for reimbursement from your 2022 account:
If you enroll in a Dependent Care FSA for 2023, starting January, access your 2023 account (administered by Fidelity):
Beginning January 1, 2023, NetBenefits will also administer reimbursement accounts, including Fitness Reimbursement, Tuition Reimbursement, Adoption Assistance, and Commuter Account.
Beneficiary changes are often overlooked following divorce, remarriage, or after the death of a loved one who may be listed as one of your beneficiaries. Accurate beneficiary information means your assets will be distributed according to your wishes. We encourage you to take a few minutes during Annual Enrollment to confirm your beneficiary designations.
To review, add or change your Life, AD&D, or beneficiary, go to MyBMCRewards. To change your 401(k) and Health Savings Account beneficiary, access your account at NetBenefits.com.
Not sure if you need to enroll? Use this checklist for help. If you check ANY of these boxes, you need to enroll.
Even if you are happy with your current coverage, we encourage you to review your enrollment elections yearly.
If you don’t take action during Annual Enrollment, your 2023 BMC benefit coverage will continue with higher paycheck contributions for medical coverage. 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 31 and November 11 to get the right coverage for you and your family.
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. This will signal that your enrollment is complete. Print this page for your records.
You must verify your dependent’s eligibility for benefits when you add a new dependent to your BMC medical coverage for 2023. Your Benefits Resources will send you a verification request notice and package to your home address. Follow the instructions in the package and respond with the necessary documentation by the deadline. Complete and return the requested documents by the deadline, or your dependents will be ineligible for coverage and removed from BMC benefits.
If you need enrollment assistance, call Your Benefits Resources at 877-262-4849, between 8 a.m. to 9 p.m., EST.
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.
Find FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesFind FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesFind FAQs, rates, benefit provider websites and more.
2014 InformationBCBSTX ResourcesBlue Cross Blue Shield InformationOther Resources/ServicesOther ServicesFind FAQs, rates, benefit provider websites and more.
2015 InformationBCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
2016 Information2017 InformationBCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
2017 InformationBCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
2018 InformationBCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.
Find FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesFind FAQs, rates, benefit provider websites and more.
BCBSTX ResourcesOther Resources/ServicesView recorded WebEx presentations on benefits topics.