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Life looks a little different this year as we adapt to new ways of working and living. Your BMC benefits adjust too. Although not much is changing with your benefits this year, your family and health status may have changed. Now it’s time to start considering your Annual Enrollment decisions.

Annual Enrollment is your once-a-year opportunity to review your benefit options for the coming year. During Annual Enrollment, you can decide to keep the coverage you currently have or make changes. You might want to switch to another medical plan option, add a dependent to your coverage, or enroll in other optional benefits. Take a few moments to review your information and consider your choices. Here’s an overview of what’s new and changing in 2021.

Welcome Compuware employees

Welcome to BMC! As part of the Compuware acquisition, there are certain things you need to know about your new BMC benefits and your transition to BMC. Most importantly, you must enroll for or decline coverage for yourself or your eligible dependents during Annual Enrollment. If you don’t actively choose your 2021 benefits before November 13, your 2021 benefits will be limited. Learn more.

We’ve created a dedicated website for you with all of the information you need to successfully onboard to BMC.

What’s new and changing for 2021

See all of the changes

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  1. Health Plans

    Medical

    How much you pay for coverage. Employee contributions will increase for all medical plan options in 2021 to keep pace with growing health care costs. BMC will continue to pay an average of 80% of employees’ medical premiums.

    Per paycheck contributions* HSA Plan PPO Plan Kaiser HMO
    You $40.17 $136.67 $73.94
    You + Spouse $151.05 $354.17 $211.52
    You + Child(ren) $105.44 $266.14 $145.82
    You + Family $205.40 $517.40 $308.65

    *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 2019-2020 bWell program.

    You will pay between $100 and $600 less for medical coverage in 2021 if you earned bWell rewards by August 31, 2020, and chose medical premium discounts. The Enroll in Your Benefits page on MyBMC Rewards will show the discounts you have earned.

    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.

    Is this the year you join the 80%?

    About 80% of BMC employees choose the HSA Medical Plan for medical coverage. If you are enrolled in the PPO Medical Plan, check out MythSmashers, where we put HSA Plan myths to the test. We also explain how the HSA Plan works and compare these two comprehensive BCBSTX national plans.

    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.

    2021 HSA Deductibles

    Deductibles:

    The amount you pay for most covered services before your plan starts to pay. The deductible resets at the beginning of the calendar year or when you enroll in a new plan.

    ×
      In-Network Increase of Out-of-Network Increase of
    Single $1,850 $100 $3,700 $200
    All other coverage levels $3,700 $200 $7,400 $400

    2021 HSA Out-of-Pocket Maximums

    Out-of-Pocket Maximums:

    The most you have to pay for covered services in the plan year. After you spend this amount on deductibles, copays, and coinsurance, your plan pays 100% of the costs of covered benefits.

    ×
      In-Network Increase of Out-of-Network Increase of
    Single $3,700 $200 $7,400 $400
    All other coverage levels $7,400 $400 $14,800 $800

    PPO Plan Changes

    PPO 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.

    2021 PPO Plan Deductibles

    Deductibles:

    The amount you pay for most covered services before your plan starts to pay. The deductible resets at the beginning of the calendar year or when you enroll in a new plan.

    ×
      In-Network Increase of Out-of-Network Increase of
    You only $875 $125 $2,625 $375
    All other coverage levels $1,750 $250 $5,250 $750

    2021 PPO Plan Out-of-Pocket Maximums

    Out-of-Pocket Maximums:

    The most you have to pay for covered services in the plan year. After you spend this amount on deductibles, copays, and coinsurance, your plan pays 100% of the costs of covered benefits.

    ×
      In-Network Increase of Out-of-Network Increase of
    Single $3,700 $200 $11,100 $600
    All other coverage levels $7,400 $400 $22,200 $1,200

    Increased HSA contribution limits.

    The IRS has increased contribution limits for Health Savings Accounts. In 2021, you’ll be allowed to contribute $3,600 for individual coverage (up from $3,550) or $7,200 for family coverage (up from $7,100). The catch-up contribution limit for those who are 55 or better remains $1,000.

  2. HSA Matching Program Begins January 1, 2021

    Starting January 1, 2021, BMC will introduce Health Savings Account (HSA) matching. Your annual base salary determines how the HSA matching program works for you.

    If your annual base salary is more than $75,000, you must contribute to your HSA to receive BMC matching contributions.

    If your annual base salary is $75,000 or less, BMC will contribute an Employer Flat Seed to your HSA with $200 in January and $200 in July. You can also contribute to your HSA and receive BMC matching contributions. You will not receive an Employer Flat Seed if your annual base salary is more than $75,000, and you must contribute to your HSA to receive BMC matching contributions for your account.

    BMC will match what you contribute to your HSA up to the amounts shown here. Company matching contributions will be deposited in your account each pay period, rather than twice a year in January and July.

      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 2021
    Your contribution limit Up to $2,850 Up to $5,700 Up to $3,100 Up to $6,200
    Total 2021 contribution allowed by the IRS (yours and BMC’s) $3,600 $7,200 $3,600 $7,200
    If you are age 55 or better at any time during 2021, you can contribute an additional $1,000 to your HSA.

    The BMC Health Savings Account (HSA) is only available to employees enrolled in the BCBS 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.

    Money in this account belongs to you and is separate from your medical plan coverage. It’s like a “401(k) for health care” that you can use for eligible medical, dental, and vision expenses. You can save this money for the future, invest it in a money market sweep account or mutual funds, or take it all with you when you retire or leave the company. The money you put aside will be deducted before taxes are taken out, so you keep more of what you earn. Also, the money will never be taxed when used for eligible expenses. Watch this quick video to learn more.

    You choose how much you want to set aside from each paycheck, and you can change it any time during the year. Changes to your HSA contributions will go into effect the first of the following month. To change your contributions, see the step-by-step instructions on the U.S. Benefits Guide.

    BMC will match HSA contributions, dollar-for-dollar, up to $1,000 if your annual base salary is more than $75,000, and you cover dependents. These examples show your pay period HSA contributions when you contribute $1,000 to receive the full BMC match or contribute $2,000 to your HSA.

    Employee Annual Contribution Pay Period Contributions
      Employee BMC
    Example 1: $1,000 $41.67 $41.67
    Example 2: $2,000 $83.33 $41.67
  3. Benefits to Use Now

    This year, BMC introduced several new benefits for your health, family needs, and financial well-being. If you are covered under a BCBSTX health plan, we invite you to get to know these no-cost benefits and see if one is right for you. You can enroll in these benefits at any time.

    Support for Your Physical Well-Being

    Diabetes made easier at no cost to you

    Livongo is a simplified approach to managing diabetes at no cost to you and your family members. When you enroll in the program, you’ll receive a digital meter, strips, and lancets. Readings upload automatically, and you’ll receive real-time support when you get out of range. Learn more about the program and enroll here.

    Better health, one step at a time

    Omada is a digital lifestyle change program which combines the latest technology with ongoing support so you can make the changes that matter most – whether that’s around eating, activity, sleep, or stress. It’s an approach shown to help you lose weight and reduce the risks of type 2 diabetes. To find out if you are eligible, visit omadahealth.com/bmc.

    Maternity benefits program from prenatal to postpartum

    Ovia Health provides maternity and family apps to support you through your entire parenthood journey. To get started, visit your app store and choose from three apps: Ovia Fertility, Ovia Pregnancy, and Ovia Parenting. Call 888-421-7781 or watch this video to learn more about Ovia Health apps and how to enroll.

    Learn how to lose weight and improve your health

    Naturally Slim is an online program that teaches psychology-based, clinically-proven healthy habits to achieve healthy weight loss at no cost to you. The program teaches you simple skills to change when and how you eat, instead of what you eat. Naturally Slim is offered to all BMC employees enrolled in a BCBSTX medical plan and covered adult dependents. Learn more about Naturally Slim at naturallyslim.com/bmc. Watch for an announcement from BMC Corporate Benefits for details. Plus, if you participate, you’ll earn 250 bWell points. bWell is BMC’s Wellness Program that focuses on physical, emotional, intellectual, occupational, social, and spiritual well-being. To learn more about bWell, click here.

    Recovery from chronic musculoskeletal pain and conditions

    Whether you’ve been living with chronic and nagging pain for years or you recently experienced an injury, Airrosti and Airrosti Remote Recovery can help. Airrosti specializes in eliminating your chronic or acute pain and soft tissue complaints. Airrosti providers diagnose your pain’s root cause and treat you without needles or surgery, in person or virtual, typically within 3 visits. Learn more at airrosti.com.

    Support for Your Financial Well-Being

    Are you overwhelmed and stressed out about your student loans? You are not alone. Americans owe nearly $1.6 trillion in student debt. A new BMC benefit, IonTuition, can help you manage your student loans more efficiently, pay them off faster and cheaper, and help you live a debt-free life. Features of this no-cost benefit include:

    • IonManage: can help you plan student loan repayment and includes concierge student loan counseling.
    • Whole family help: you can grant family members free IonTuition accounts because college costs and student loans impact the entire household.
    • Concierge Advisory Services: can help you deal with the entire, complex student loan debt lifecycle.
    • Refinance student loans for lower monthly payments: gives you access to a marketplace of community lenders with high approval rates and unbiased advice.
    • IonMatch: helps you find an affordable college that graduates high income earners.

    To start using this benefit, go to the IonTuition website and create an account. Learn more.

  4. 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 BCBSTX 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 BCBSTX HSA medical plan only)
    • Add or remove a dependent. Please note: You are required to verify any dependent you are adding to the medical plan with supporting documents (marriage certificate, birth certificate, etc.), or your dependent(s) will not be covered.
    • Increase or decrease coverage. For example, an 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 the Group Prepaid Legal coverage.
    • Add or remove the Identity Theft coverage.
  5. If You Don’t Enroll by November 13

    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, your 2020 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.

    Compuware employees must take action

    If you are part of the Compuware acquisition, you are required to enroll for all plans, including medical. If you don’t take action during Annual Enrollment, you will only be covered by these BMC benefits on January 1, 2021:

    • Basic Life Insurance
    • Short-Term Disability
    • Basic Long-Term Disability
    • Business Travel Accident
    • Employee Assistance Program
  6. How to Enroll

    Complete these steps between November 2 through November 13 to get the coverage that’s right for you and your family.

    • The easiest way to access your benefits and enroll is through MyBMC Rewards. Log on to MyBMCRewards.com and click on the Annual Enrollment tile on the main page.
    • Once you’re on the MyBMC Rewards website, you’ll be guided through simple steps that will help you make the right decisions for you. Use 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. Save a copy of your Confirmation of Enrollment after you complete your enrollment. If MyBMC Rewards 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 the mail. Check it carefully!
    • If you find any mistakes, call Your Benefits Resources at 877-262-4849 immediately to correct any errors before December 28, 2020, you won’t be able to change your elections for 2021 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

    You must verify your dependent’s eligibility for benefits when you add a new dependent to your BMC medical coverage for 2021. 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 provided, or your dependents will be ineligible for coverage and removed from BMC benefits

    Need assistance?

    If you need enrollment assistance, call Your Benefits Resources at 877-262-4849, between 8 a.m. to 9 p.m., EST.

Disclaimer:

The content on this site includes links to tools and information that are not the property of BMC Software, and BMC Software is not responsible for their accuracy, completeness or continued availability. Some of the material contained in this site is based on official plan documents. It is not, nor is it intended to be, the legal plan document or a contract between the company and any employee or contractor. Every effort has been made to ensure the accuracy of this material. In the unlikely event that there is a discrepancy between the site and the official plan documents, the official plan documents will control. BMC Software reserves the right to amend or terminate the plan(s) or program(s) at any time. If you believe the benefits do not describe those available to you, contact the Benefits Center at 877-BMC-4849.

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