How much you pay for coverage
Paycheck contributions for employees on the Blue Cross and Blue Shield (BCBS) PPO and HSA plans for medical coverage will not increase for 2024. Employees on the Kaiser HMO plan will see a per paycheck rate increase between $14 and $60, depending on who you cover. The costs you pay when you receive care, such as deductibles, copays, and coinsurance, are not changing.
BMC covers about 80% of the annual cost of medical coverage, and you cover the remainder. BMC shares all cost increases equally with employees to maintain the quality you have come to expect from our plans.
|Per paycheck contributions
|You + Spouse
|You + Child(ren)
|You + Family
You will pay between $100 and $600 less for medical coverage in 2024 if you earned bWell rewards by August 31, 2023, 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 2025, tune into bWell Radio and find your groove while you (and your spouse*) make lasting changes to your overall well-being.
Healthcare Flexible Spending Account contribution limit increase
The 2024 Healthcare Flexible Spending Account (FSA) contribution limit is projected to be $3,200. You can carry forward up to $610 from 2023 for use in 2024, and in 2024 the carryover is projected to be $640. See 2024 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 BCBS 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 BCBS 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 BCBS 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.
BCBS Member Rewards — Did you know you can shop and compare costs for over 1,600 health care procedures online using the BCBS 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:
||Provider A Cost
||Provider B Cost
|MRI of the Brain
How Do Member Rewards Work?
It’s easy. Just follow these steps when a doctor suggests a medical procedure or service:
- Log into Blue Access for Members at BCBSTX.com or on the app.
- 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.
- 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.