Medical Coverage
Medical Insurance
Benefits-eligible Team Members have a choice of four medical insurance plans administered by Blue Cross and Blue Shield of Florida (BCBSFL).
Get Started
- First, use the information below to compare the coverage offered and what you would pay for each plan.
- Then, learn how to choose and use your plan and your health savings or reimbursement account (HSA or HRA).
- Once you’re a member, activate your account in My Health Toolkit to take advantage of services, programs, and resources from BCBSFL.
Plan Information
There are four BCBSFL medical plan options for you to choose from: Choice HSA, Value HSA, Choice HRA, and Value HRA.
- Under the BCBSFL medical plans, you can see any doctor (including specialists) or use any hospital in the network: no referrals are required and you don’t need to choose a primary care physician (PCP).
- When you receive care outside of the network, you are covered by insurance, but your costs will be higher.
- Preventive care is covered 100% with in-network providers.
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Medical Plan Coverage Comparison
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| Benefit | Choice HSA | Value HSA | Choice HRA | Value HRA |
|---|---|---|---|---|
| Health Rewards you can earn | Up to $400/individual coverage; Up to $800/family coverage; Up to $150 additional for spouse | Up to $400/individual coverage; Up to $800/family coverage; Up to $150 additional for spouse | Up to $400/individual coverage; Up to $800/family coverage; Up to $150 additional for spouse | Up to $400/individual coverage; Up to $800/family coverage; Up to $150 additional for spouse |
| Wellness/preventive care | Covered in full (eligible office visits, labs, screenings, and contraceptives) | Covered in full (eligible office visits, labs, screenings, and contraceptives) | Covered in full (eligible office visits, labs, screenings, and contraceptives) | Covered in full (eligible office visits, labs, screenings, and contraceptives) |
| Calendar year deductible (medical and prescription drugs) | $2,500/individual; $5,000/family | $4,300/individual; $8,600/family | $5,000/individual; $10,000/family | $6,550/individual; $13,100/family |
| Office and urgent care visits | 20% after deductible | 20% after deductible | 30% after deductible | 0% after deductible |
| Teladoc visits | $55 (general visits) $85 (dermatology) Varies for mental health services | $55 (general visits) $85 (dermatology) Varies for mental health services | $55 (general visits) $85 (dermatology) Varies for mental health services | $55 (general visits) $85 (dermatology) Varies for mental health services |
| Emergency room | $300 copay after deductible | $300 copay after deductible | $300 copay after deductible | 0% after deductible |
| Hospital care | 20% after deductible | 20% after deductible | 30% after deductible | 0% after deductible |
| Generic prescription drugs | 20% after medical deductible | 20% after medical deductible | 20% after medical deductible | 0% after medical deductible |
| Preferred brand prescription drugs | 20% after medical deductible | 20% after medical deductible | 20% after medical deductible | 0% after medical deductible |
| Non-preferred brand prescription drugs | 40% after medical deductible | 40% after medical deductible | 40% after medical deductible | 0% after medical deductible |
| Calendar year out-of-pocket maximum | $5,000/individual; $8,200/family | $6,500/individual; $9,000/family | $7,000/individual; $14,000/family | $6,550/individual; $13,100/family |
Plan Costs Per Paycheck
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| Salary for 2023-2024 | Plan Type | Team Member only | Team Member and spouse | Team Member and child(ren) | Team Member and spouse and child(ren) |
|---|---|---|---|---|---|
| Annual salary less than $45,000 | Choice HSA | $62.17 | $150.03 | $123.73 | $205.25 |
| Value HSA | $51.80 | $127.22 | $104.03 | $174.15 | |
| Choice HRA | $43.71 | $109.41 | $88.65 | $149.87 | |
| Value HRA | $43.13 | $108.14 | $87.55 | $148.14 | |
| Annual salary greater than $45,000 but less than $150,000 | Choice HSA | $86.54 | $208.30 | $170.90 | $285.88 |
| Value HSA | $76.17 | $185.49 | $151.20 | $254.78 | |
| Choice HRA | $68.08 | $167.69 | $135.82 | $230.50 | |
| Value HRA | $67.50 | $166.42 | $134.72 | $228.76 | |
| Annual salary of $150,000 or more | Choice HSA | $90.66 | $218.23 | $179.05 | $299.52 |
| Value HSA | $80.29 | $195.42 | $159.35 | $268.42 | |
| Choice HRA | $72.20 | $177.62 | $143.97 | $244.14 | |
| Value HRA | $71.62 | $176.35 | $142.87 | $242.40 |
Transparency in Coverage
The link below leads to the machine-readable files (MRFs) from our health plan provider that Bloomin’ Brands is making available in response to the federal Transparency in Coverage Rule.
- Health Plan Provider: Blue Cross and Blue Shield of Florida (BCBSFL)
- Bloomin’ Brands Plans Covered: BCBSFL Choice HSA, BCBSFL Value HSA, BCBSFL Choice HRA, BCBSFL Value HRA
- Machine-Readable Files (MRFs): Access the MRFs (Available July 1, 2022)
The MRFs include negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators and application developers to more easily access and analyze data. If you are an employee looking for cost information about your plan, it’s recommended that you visit the Find Care section of your My Health Toolkit account.
Helpful Terms & Definitions
Deductible
This is the amount you must pay for your eligible medical and prescription drug claims before your health plan starts to share in the cost. If you receive non-covered services (such as cosmetic surgery), or are balance billed by an out-of-network provider, these expenses will not count toward your deductible.
Coinsurance
It is a percentage amount that you are responsible for paying after you have met your deductible but before you have met your out-of-pocket maximum. This is when the plan starts to share in the cost of eligible claims.
Out-of-Pocket Maximum
The out-of-pocket maximum is the maximum amount you are responsible to pay for eligible, covered expenses during a calendar year. If you receive non-covered services (such as cosmetic surgery), or are balance billed by an out-of-network provider, these expenses will not count toward your out-of-pocket maximum.
Find an In-Network Doctor
You can use the Find Care section of your My Health Toolkit account to find a provider that is covered by your plan.
Get Started on My Health Toolkit
After you’ve enrolled in a BCBSFL medical plan, your My Health Toolkit account so that you have easy access to your member ID card, plan coverage details, in-network care locator, and claims.
Blue Cross & Blue Shield of Florida (BCBSFL)
Medical
Contact Information
Medical: 1-833-578-1132
Quit for Life: 1-866-784-8454