What’s new and changing for 2023

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  1. Health Care

    Health Care Plans

    How much you pay for coverage.

    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.

    Healthcare Flexible Spending Account contribution limit increase

    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.

    Cost-saving tips when you need care

    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

    How Do Member Rewards Work?

    It’s easy. Just follow these steps when a doctor suggests a medical procedure or service:

    1. Log into Blue Access for Members at BCBSTX.com or on the app.
    2. Look for “Find Care.” Then you can look for doctors and hospitals. Do your search to compare your choices and select a reward-eligible location.
    3. Have the procedure or service at the reward-eligible location you chose.

    Once the claim is paid, you’ll receive a check in the mail.

  2. Save More in Your HSA

    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.

  3. Feel Better, Enjoy Life More with Learn to Live

    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 digital health programs are available at no added cost if you are enrolled in a Blue Cross Blue Shield medical plan.

    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:

    • Stress, anxiety, or worry
    • Depression
    • Insomnia
    • Social anxiety
    • Substance abuse

    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.

  4. Accounts on the Move

    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.

    Fidelity Transition Overview

    Health Savings Account (If you actively enrolled in a Health Savings Account)

    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.

    Read More

    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:

    • Online at NetBenefits.com; or
    • Through the NetBenefits app; or
    • Using your NetBenefits AccessCard (expect to receive it from Fidelity in late December, or after your account is established).

    *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.

    Health Savings Account (If you didn’t actively enroll in a Health Savings Account)

    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).

    Read More

    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.

    You Have a 2022 Health Care FSA (traditional or Limited Use)

    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.

    Read More

    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:

    • Online at MyBMCRewards > Reimbursement Accounts tab; or
    • Through the Reimburse Me app; or
    • Using your YSA card through December 31. It will not work for Health Care FSA purchases after midnight that day.

    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.

    How to Access Your Health Care FSA at Fidelity?

    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:

    • Online at NetBenefits.com > 2023 Health Care Flexible Spending Account tile; or
    • Through the NetBenefits app; or
    • Using your NetBenefits AccessCard (the debit card for your account that you’ll receive from Fidelity.
    You Have a 2022 Dependent Care 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.

    Read More

    You have until March 31, to submit 2022 daycare expenses for reimbursement from your 2022 account:

    • Online at MyBMCRewards > Reimbursement Accounts tab; or
    • Through the Reimburse Me app.

    If you enroll in a Dependent Care FSA for 2023, starting January, access your 2023 account (administered by Fidelity):

    • Online at NetBenefits.com > Dependent Care Flexible Spending Account tile; or
    • Through the NetBenefits app.

    Beginning January 1, 2023, NetBenefits will also administer reimbursement accounts, including Fitness Reimbursement, Tuition Reimbursement, Adoption Assistance, and Commuter Account.

  5. Review Your Beneficiary (ies)

    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.

  6. 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.
  7. If You Don’t Enroll by November 11

    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.

  8. How to Enroll

    Complete these steps between October 31 and November 11 to get the right coverage 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 to help you make the right decisions. 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. If MyBMC Rewards has your valid email address on file (under Your Profile), you’ll receive an email confirmation of your elections. Save a copy of your Confirmation of Enrollment after you complete your enrollment.
    • After Annual Enrollment and you enrolled by phone, 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, 2022. After that, you won’t be able to change your elections for 2023 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. This will 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 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.

    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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