How to Enroll
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Choosing & Using Your HSA or HRA
Determine the Best Plan for YouHSA Plans
The Choice HSA and Value HSA plans have a health savings account (HSA) administered by AccrueHealth.
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How Expenses Are Paid on HSA Plans
Paying for Services
When you incur eligible health care expenses, it’s your choice how you pay. You can choose to pay using funds from a health savings account (HSA) or pay another way (i.e. cash or card).
In-network preventive care services are covered 100% throughout the plan year and do not affect your HSA.
Deductible
The HSA medical plan options have a deductible, which is the total amount you must pay for non-preventative services before coinsurance takes effect.
Coinsurance
Coinsurance is when the plan shares in the cost of eligible health care expenses, and this takes effect after you have paid the deductible. For example, if the plan pays 80% of the cost after the deductible is met, you will pay the remaining 20% of the cost.
If any dependents are enrolled in your coverage, you must meet the family deductible before the plan shares in the cost of eligible expenses.
Out-of-Pocket Maximum
Once your deductible and coinsurance payments add up to the plan’s out-of-pocket maximum, the plan will pay 100% of all eligible health care expenses for the rest of the plan year.
Opening a Health Savings Account (HSA)
By opening a Health Savings Account (HSA), you can:
- Set aside money pre-tax to pay for qualified expenses. Remember, the maximum amount you can contribute to your HSA is the annual limit set by the IRS, plus any catch-up contributions if you are eligible, MINUS the maximum Health Rewards you are eligible to earn.
- Get an additional deposit in your HSA from Bloomin’ Brands if you complete Health Rewards by Dec. 1 of the current plan year.
- Earn tax-free interest over time.
- Make tax-free withdrawals to pay for qualified medical, dental, and vision expenses.
- Use it as a retirement savings tool.
Invest part of your HSA in mutual funds to save for the future.
Where Your HSA Funds Come From
Health Rewards
Open your health savings account (HSA) to receive money from Bloomin’ Brands. You’ll receive money by completing Health Actions through the Health Rewards program.
Your Contributions
You can elect to deposit your own money into your HSA from each paycheck before your pay is taxed. The maximum amount you can contribute to your HSA is the annual limit set by the IRS, plus any catch-up contributions if you are eligible, minus the maximum Health Rewards you are eligible to earn.
HRA Plans
The Choice HRA and Value HRA plans have a health reimbursement account (HRA) administered by AccrueHealth.
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Using Your Health Reimbursement Account (HRA)
- Your HRA will be opened for you; there is nothing you need to do.
- Register with Accrue Health to view and manage your account online.
- You will receive an HRA debit card in the mail. It is sent in a plain, white envelope.
- Whenever there is activity on your account (e.g., a debit card is issued or replaced, you have claims activity, you are required to submit documentation for a claim, an account statement is available, etc.), you will receive a generic email designed to protect your privacy.
- The HRA is funded by Bloomin’ Brands if you or your enrolled spouse complete Health Rewards before Dec. 1 of the current plan year.
- When you incur eligible health care expenses, you can choose to use your HRA or you can choose to pay another way (i.e., cash, credit card).
- Your HRA funds may be used for eligible medical and Rx expenses only.
- Unused funds will roll over year to year as long as you remain continuously enrolled in one of the BBI HRA Plan options.
How Expenses Are Paid with an HRA Plan
First, you pay out of pocket.
- The HRA medical plan options have a deductible, which is the amount you must pay before the plan begins paying for covered services.
- When you incur eligible health care expenses, you can choose to use your health reimbursement account (HRA), or you can choose to pay another way (i.e. cash, credit card). It’s your choice.
- Remember, to earn money into your HRA, you must complete Health Rewards before Dec. 1 of the current plan year.
Next, you and the plan share the costs.
- After you pay the deductible, the plan will share in the cost of eligible health care expenses; this is called coinsurance. (For example, under the Choice HRA plan, if the plan pays 70% of the cost, you will pay the remaining 30%.)
- Preventive care services are covered 100% in the network throughout the plan year and do not affect your HRA.
- When you incur eligible health care expenses, you can choose to use your HRA, or you can choose to pay another way (i.e. cash, credit card). If you spend all funds in the HRA, you will need to pay another way for the costs of your health care expenses.
Finally, the plan begins to pay.
- Once your deductible and coinsurance payments add up to the plan’s out-of-pocket maximum, the plan will pay 100% of all eligible health care expenses for the rest of the calendar year.
Where Your HRA Funds Come From
The HRA is funded by Bloomin’ Brands if you or your enrolled spouse complete Health Rewards before Dec. 1 of the current plan year.
AccrueHealth
Health Savings & Reimbursement Accounts
Contact Information
Phone: 1-844-643-3099
Available Monday through Friday from 8 a.m. - 8 p.m. ET.
Quick Links
Important Notice
2025 will be the last year that the Value HSA, Value HRA, and Choice HRA plans will be available, and these accounts are frozen to new participants.
If you are currently enrolled in one of these plans, you can choose to stay in your current plan for one more year. If you want to change your plan, you can choose the Value PPO, Choice PPO, or Choice HSA.
No employer contributions will be made to Health Reimbursement Accounts (HRAs) or Health Savings Accounts (HSAs) in 2025. You have until the end of 2025 to spend any HRA funds. Any remaining HRA funds will no longer be available after Dec. 31, 2025. You can check your HRA balance by logging into your account with AccrueHealth.
Health Savings Account (HSA)
The Choice HSA and Value HSA plans have a health savings account (HSA) administered by AccrueHealth.
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How Expenses Are Paid with an HSA
Paying for Services
When you incur eligible health care expenses, it’s your choice how you pay. You can choose to pay using funds from a health savings account (HSA) or pay another way (i.e. cash or card).
In-network preventive care services are covered 100% throughout the plan year and do not affect your HSA.
Deductible
The HSA medical plan options have a deductible, which is the total amount you must pay for non-preventative services before coinsurance takes effect.
Coinsurance
Coinsurance is when the plan shares in the cost of eligible health care expenses, and this takes effect after you have paid the deductible. For example, if the plan pays 80% of the cost after the deductible is met, you will pay the remaining 20% of the cost.
If any dependents are enrolled in your coverage, you must meet the family deductible before the plan shares in the cost of eligible expenses.
Out-of-Pocket Maximum
Once your deductible and coinsurance payments add up to the plan’s out-of-pocket maximum, the plan will pay 100% of all eligible health care expenses for the rest of the plan year.
Opening an HSA
By opening a Health Savings Account (HSA), you can:
- Set aside money pre-tax to pay for qualified expenses. Remember, the maximum amount you can contribute to your HSA is the annual limit set by the IRS, plus any catch-up contributions if you are eligible.
- Earn tax-free interest over time.
- Make tax-free withdrawals to pay for qualified medical, dental, and vision expenses.
- Use it as a retirement savings tool.
Invest part of your HSA in mutual funds to save for the future.
Contributing to Your HSA Funds
You can elect to deposit your own money into your HSA from each paycheck before your pay is taxed.
The maximum amount you can contribute to your HSA is the annual limit set by the IRS, plus any catch-up contributions if you are eligible.
Important Note: Points earned through the Health Rewards program will no longer deposited into your HSA in 2025. Instead, you will be rewarded with a medical contribution discount the following plan year.
Health Reimbursement Account (HRA)
The Choice HRA and Value HRA plans have a health reimbursement account (HRA) administered by AccrueHealth.
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Using Your HRA
- Whenever there is activity on your account (e.g., a debit card is issued or replaced, you have claims activity, you are required to submit documentation for a claim, an account statement is available, etc.), you will receive a generic email designed to protect your privacy.
- When you incur eligible health care expenses, you can choose to use your HRA or you can choose to pay another way (i.e., cash, credit card).
- Your HRA funds may be used for eligible medical and Rx expenses only.
- Your unused HRA funds will no longer be available after Dec. 31, 2025.
- You can check your HRA balance by logging into your account with Accrue Health.
How Expenses Are Paid with an HRA
Deductible
The HRA medical plan options have a deductible, which is the amount you must pay before the plan begins paying for covered services.
When you incur eligible health care expenses, you can choose to use your health reimbursement account (HRA), or you can choose to pay another way (i.e. cash, credit card). It’s your choice.
Coinsurance
After you pay the deductible, the plan will share in the cost of eligible health care expenses; this is called coinsurance. (For example, under the Choice HRA plan, if the plan pays 70% of the cost, you will pay the remaining 30%.)
Preventive care services are covered 100% in the network throughout the plan year and do not affect your HRA.
Paying for Services
When you incur eligible health care expenses, you can choose to use your HRA, or you can choose to pay another way (i.e. cash, credit card). If you spend all funds in the HRA, you will need to pay another way for the costs of your health care expenses.
Out-of-Pocket Maximum
Once your deductible and coinsurance payments add up to the plan’s out-of-pocket maximum, the plan will pay 100% of all eligible health care expenses for the rest of the calendar year.
Submitting HRA Claims for Reimbursement
If you paid eligible health expenses using cash or a credit card (instead of your HRA debit card), you may submit a claim for reimbursement if you have enough funds in your HRA. You can choose from one of two methods: online using the AccrueHealth Portal (recommended) or by mail or fax using the paper claim form.
- Submit Online: AccrueHealth Portal | Portal Claim Submission Guide
- Submit by Mail or Fax: Open the Paper Claim Form
After you submit your claim, you may contact AccrueHealth if you have any questions. Customer service is available Monday through Friday from 8 a.m. to 8 p.m. EST. Please allow 72 hours for review.
- Phone: 1-844-643-3099
- Fax: 978-552-0172
- Email: support@accrue-health.com
AccrueHealth
Health Savings & Reimbursement Accounts
Contact Information
Phone: 1-844-643-3099
Available Monday through Friday from 8 a.m. - 8 p.m. ET.
Quick Links
Pharmacy Benefits
Prescription Drug Coverage
If you’re enrolled in a Bloomin’ Brands medical plan, you also have coverage for prescription drugs through Express Scripts. Refer to the information below to learn about how your prescriptions will be covered under your medical plan.
Plan Comparison
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Tap or click the content below and scroll to access all the information.
| Choice HSA, Value HSA & Choice HRA | Value HRA | |||
|---|---|---|---|---|
| Retail pharmacy (30-day supply) | Express Scripts mail order service, Smart90 Walgreens, or CVS | Retail pharmacy (30-day supply) | Express Scripts mail order service, Smart90 Walgreens, or CVS | |
| Medical plan deductible applies | Yes | (90-day supply) | Yes | (90-day supply) |
| Generic | After deducible is met, 20% up to a $20 max | After deductible is met, 20% with a $30 min up to $60 max | After deductible is met, 0% | After deductible is met, 0% |
| Preferred brand | After deductible is met, 20% with a $35 min and $100 max | After deductible is met, 20% with a $105 min and $300 max | After deductible is met, 0% | After deductible is met, 0% |
| Non-preferred brand | After deductible is met, 40% | After deductible is met, 0% | After deductible is met, 0% | After deductible is met, 0% |
Helpful Terms & Definitions
Prior Authorization
Some medications won’t be covered unless you receive pre-approval. You may need approval for coverage of the drug or for coverage of additional quantities of a drug. Medications may fall under one or more programs. You can contact Express Scripts to determine if the medication you’re prescribed requires pre-approval.
Step Therapy
This requires you to first try one or more specified drugs to treat a particular condition before the plan will cover another (usually more expensive) drug that your doctor may have prescribed. Step therapy is intended to reduce costs to you and your plan by encouraging use of medications that are less expensive but can still treat your condition effectively.
Drug Quantity Management
Aligns the dispensed quantity of prescription medication with dosage guidelines approved by the Food and Drug Administration (FDA) or clinical evidence.
Formulary
The National Preferred Formulary, Express Scripts’ standard formulary, preserves individual choice and access to clinically effective generic and brand-name drugs. The formulary includes nearly 100% of generics and more than 4,000 unique products.
Coverage Review
For prescriptions that need pre-approval, you, your doctor, or your pharmacist may initiate the review by calling Express Scripts at 1-800-753-2851.
Network
Smart90 Exclusive requires members to fill their maintenance medications at a Smart90 retailer, Walgreens, or through our home delivery pharmacy, and at a 90-day supply.
Vaccines
The plan offers convenient access to vaccines from local retail pharmacies.
Prescription Drug Coverage
If you’re enrolled in a Bloomin’ Brands medical plan, you also have coverage for prescription drugs through Express Scripts. Refer to the information below to learn about how your prescriptions will be covered under your medical plan.
New for 2025
- The prescription drug program will no longer require maintenance medications to be filled at Walgreens or CVS. You can fill prescriptions for a 90-day supply of maintenance medications through the Express Scripts mail order program or at any network pharmacy starting Jan. 1, 2025.
- All plans now cover preventive medications at 100%.
- Plans will be integrated with GoodRx, automatically providing discounted pricing at the pharmacy when it is available.
Pharmacy Coverage Comparison
| New Value PPO | New Choice PPO | Choice HSA | Value HRA | Choice HRA | Value HSA | |
|---|---|---|---|---|---|---|
| Generic Prescription Drugs: 30-Day Supply | $10 copay | $10 copay | 20% after deductible | 0% after deductible | 20% after deductible | 20% after deductible |
| Preferred Brand Prescription Drugs: 30-Day Supply | 20% after deductible | $30 copay | 20% after deductible | 0% after deductible | 20% after deductible | 20% after deductible |
| Non-Preferred Brand Prescription Drugs: 30-Day Supply | 40% after deductible | $50 copay | 40% after deductible | 0% after deductible | 40% after deductible | 40% after deductible |
| Generic Maintenance Medications: 90-Day Supply | $10 copay | $25 copay | 20% after deductible | 0% after deductible | 20% after deductible | 20% after deductible |
| Preferred Brand Maintenance Medications: 90-Day Supply | 20% after deductible | $75 copay | 20% after deductible | 0% after deductible | 20% after deductible | 20% after deductible |
| Non-Preferred Brand Maintenance Medications: 90-Day Supply | 40% after deductible | $125 copay | 40% after deductible | 0% after deductible | 40% after deductible | 40% after deductible |
Helpful Terms & Definitions
Prior Authorization
Some medications won’t be covered unless you receive pre-approval. You may need approval for coverage of the drug or for coverage of additional quantities of a drug. Medications may fall under one or more programs. You can contact Express Scripts to determine if the medication you’re prescribed requires pre-approval.
Step Therapy
This requires you to first try one or more specified drugs to treat a particular condition before the plan will cover another (usually more expensive) drug that your doctor may have prescribed. Step therapy is intended to reduce costs to you and your plan by encouraging use of medications that are less expensive but can still treat your condition effectively.
Drug Quantity Management
Aligns the dispensed quantity of prescription medication with dosage guidelines approved by the Food and Drug Administration (FDA) or clinical evidence.
Formulary
The National Preferred Formulary, Express Scripts’ standard formulary, preserves individual choice and access to clinically effective generic and brand-name drugs. The formulary includes nearly 100% of generics and more than 4,000 unique products.
Coverage Review
For prescriptions that need pre-approval, you, your doctor, or your pharmacist may initiate the review by calling Express Scripts at 1-800-753-2851.
Network
Smart90 Exclusive requires members to fill their maintenance medications at a Smart90 retailer, Walgreens, or through our home delivery pharmacy, and at a 90-day supply.
Vaccines
The plan offers convenient access to vaccines from local retail pharmacies.
More Resources
Pre-Enrollment Tool
You can use the Express Scripts pre-enrollment tool to search for pharmacies, look up prescription drug pricing, and more.
Get the Express Scripts App
The Express Scripts app is available for Apple and Android devices. With the app, you can:
- Manage your prescriptions and order refills from your phone.
- Display your virtual ID card at the pharmacy.
- Receive personalized alerts to help ensure you are following your treatment plan.
- Find potential lower-cost prescription options and discuss them with your doctor.
- View your prescriptions, set reminders, and receive notifications when your medication is running low.
Express Scripts
Pharmacy
Contact Information
Phone: 1-866-725-2520
Quick Links
Benefits at a Glance
An Overview of Your Benefit OptionsYour Benefits at a Glance
Use the navigation menu to learn more about the benefit options you can elect and what they’ll cost. You’ll also find additional resources to support you in all areas of life. Make sure your employment type is reflected at the top of the page to ensure that you are accessing the correct information.
Wellness Program & Health Rewards
Earn Rewards for Healthy LivingStrive Well-Being Program
As part of your Bloomin’ Brands medical plan, you have access to the Strive well-being program which rewards you for completing Health Actions. Health Rewards are provided by Strive, powered by Virgin Pulse. Strive helps you live better and achieve your health goals with a fun and engaging experience, with powerful resources at your fingertips.
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Who's Eligible
Team Members and spouses enrolled in a Bloomin’ Brands medical plan can earn Health Rewards from Strive.
How it Works
- Complete Health Actions during each plan year to earn rewards deposited into your Health Savings Account (HSA) or Health Reimbursement Account (HRA).
- Daily cards customized to your goals help you explore new ways to get healthier. Interesting challenges offer activities to tackle and perhaps share with coworkers, friends, or family members. You can set goals and keep track of your progress, accessing Strive tools easily on your computer or mobile device.
- Daily check-ins help you build healthy habits, join activities with coworkers, and track how you’re doing — not just with physical health-related issues but also your emotional, social, and financial well-being.
Start Earning Rewards
Create Your Rewards Account
From a desktop computer:
- Log in to your My Health Toolkit account.
- Select the Wellness tab.
- Select Strive.
- Accept the terms and conditions.
From a mobile device:
- Log in to your My Health Toolkit account.
- Select Benefits.
- Select Strive.
- Accept the terms and conditions.
Once your account is set up, you’ll begin with a short, confidential survey called the Personal Health Assessment.
Complete Health Actions
After creating your Rewards Account with Strive, you are now ready to complete Health Actions to start earning rewards. With Strive you’ll:
- Enjoy a personalized well-being experience to help you live better and achieve your health goals.
- Engage in daily cards, track healthy habits and join journeys all year long.
- Complete a Personal Health Assessment to get a fresh look at your lifestyle choices and personal health.*
- Set goals and keep track of your progress, accessing Strive tools easily on your computer or mobile device.
- Have fun through friendly competition while you engage in challenges.
Start today! Log in to My Health Toolkit.
*Note: Must be completed first to access additional rewards.
Additional Information
Health Actions must be completed between Jan. 1 and Nov. 30 of the current year to earn rewards toward the current year’s program. Health Actions completed after Dec. 1 of the current year will apply to next year’s Health Rewards.
For Health Savings Account (HSA) medical plan option participants, you must have an open HSA under Bloomin’ Benefits in order to receive it.
Rewards are earned upon confirmation of completion from BCBSFL. Rewards may take 8-12 weeks to be deposited into your account. Individual results are not shared with Bloomin’ Brands.
Spouses must complete their Health Actions under their own My Health Toolkit profile.
If you earn Health Rewards while you have single coverage, but then add dependents throughout the year, you will not receive an additional Health Reward for Health Actions completed prior to your coverage change. Similarly, if you earn Health Rewards while enrolled in dependent coverage, but then change to single coverage, you will not be asked to return your original reward.
Get the Virgin Pulse App
Alternative Reward Options
Bloomin’ Brands is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all employees. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means.
Contact the Bloomin’ Brands Resource Center at 1-800-555-5808 (select Option 3) and we will work with you – and, if you wish, with your doctor – to find a wellness program with the same reward that is right for you in light of your health status.
Strive Support
Health Rewards
Contact Information
Available Monday through Friday from 8 a.m. to 9 p.m. ET.
Phone: 1-855-944-2058
Blue Cross & Blue Shield of Florida (BCBSFL)
Medical
Contact Information
Medical: 1-833-578-1132
Quit for Life: 1-866-784-8454
Quick Links
HR Resource Center
General Questions About Benefits & Eligibility
Contact Information
Available Monday through Friday from 9 a.m. to 6 p.m. ET.
Phone: 1-800-555-5808 (Option 3)
Requirements & Rewards
Team Members and spouses enrolled in a Bloomin’ Brands medical plan can earn Health Rewards.
As part of the Bloomin’ Brands wellness program, you must complete your Health Risk Assessment and either a biometric screening or a physical each plan year.
You can also complete other Health Actions to earn points and get rewarded with a medical premium discount for the following plan year. In order to receive the discount, you must earn at least 200 points during the current plan year. Plus, if your spouse is enrolled in a BBI medical plan and completes the same requirements, you will receive an additional medical premium discount for 2026!
How to Complete Health Actions
When it comes to your health, small steps can lead to life-changing results.
- Brief daily check-ins help you build healthy habits, join fun activities with coworkers and track how you’re doing — not just with physical health-related issues but also with your emotional, social and financial well-being.
- Daily cards customized to your goals help you explore new ways to get healthier and earn rewards. Interesting challenges offer activities to tackle and perhaps share with coworkers, friends or family members. You can set goals and keep track of your progress easily on your computer or mobile device.
Start Earning Rewards
Create Your Rewards Account
- Log in to your My Health Toolkit account.
- Select Wellness > Care Management > Wellness Programs > Personify Health.
- Accept the terms and conditions.
Once your account is set up, you’ll begin with a brief, confidential survey called the Personal Health Assessment.
To manage your Health Rewards, download the Personify Health mobile app from the App Store or Google Play.
Complete Your Health Actions
- Complete a Personal Health Assessment to get a fresh look at your lifestyle choices and personal health.*
- Enjoy a personalized well-being experience to help you live better and achieve your health goals.
- Engage in daily cards, track healthy habits and join journeys all year long.
- Set goals and keep track of your progress easily on your computer or mobile device.
- Have fun through friendly competition while you engage in challenges.
*Note: Must be completed first to access additional rewards.
| Wellness Activity | Number of Points |
|---|---|
| Required | |
| Health risk assessment | 50 |
| Biometric screening or routine physical/health checkup | 75 |
| Optional | |
| Complete a Health Journey | 10 |
| Set your interests | 5 |
| Set a well-being goal | 5 |
| Nicotine-free attestation | 10 |
| Flu shot attestation | 10 |
| Create a personal challenge | 5 |
| Complete 20 daily cards in a month | 25 |
| Track healthy habits 20 days a month | 25 |
| 20-day triple tracker | 25 |
| At least one preventive exam (cervical cancer, mammogram, colorectal cancer, or prostate screening) | 25 |
Additional Information
All wellness activities must be completed between Jan. 1 and Sept. 30, 2025 to receive the premium discount as of Jan. 1, 2026. Activities completed between Oct. 1 and Dec. 31, 2025 will still be accepted. Any premium reductions earned after Sept. 30 will take effect as soon as administratively possible after BBI receives notice of completion. Premium discounts will not be retroactive to Jan. 1, 2026.
Individual results are not shared with Bloomin’ Brands.
Start earning today! Log in to My Health Toolkit using the link below.
Get the Virgin Pulse App
Alternative Reward Options
Bloomin’ Brands is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all employees. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means.
Contact the Bloomin’ Brands Resource Center at 1-800-555-5808 (select Option 3) and we will work with you – and, if you wish, with your doctor – to find a wellness program with the same reward that is right for you in light of your health status.
Virgin Pulse Support
Health Rewards
Contact Information
Available Monday through Friday from 8 a.m. to 9 p.m. ET.
Phone: 1-855-944-2058
Blue Cross & Blue Shield of Florida (BCBSFL)
Medical
Contact Information
Medical: 1-833-578-1132
Quit for Life: 1-866-784-8454
Quick Links
HR Resource Center
General Questions About Benefits & Eligibility
Contact Information
Available Monday through Friday from 9 a.m. to 6 p.m. ET.
Phone: 1-800-555-5808 (Option 3)
Teladoc Health
High Quality Care — Anytime, AnywhereTeladoc
As part of your Bloomin’ Benefits medical plan, Teladoc Health provides 24/7/365 access to board-certified physicians through the convenience of phone or video consults. Get answers to your health questions with fast, convenient, high-quality care — anytime, anywhere.
Services & Costs
Need care for non-urgent and common conditions? Get same-day appointments with a certified provider from wherever you are. Teladoc Health providers diagnose, treat and even prescribe medicine if needed.
- Allergies
- Bronchitis
- Flu
- COVID-19
- Pinkeye
- Rashes
- Sinus infections
- Sore throats
Cost: $55 or less per visit
Dealing with a skin issue? Start an online skin review with a dermatologist by uploading images and details of your concern. Get a treatment plan and prescription if needed in 24 hours or less.
- Acne
- Eczema
- Psoriasis
- Skin infections
- Rashes
- Rosacea
Cost: $85 or less per online review
Have real conversations and see progress with a therapist of your choice. Available 7 days a week from the privacy of your own home.
- Anxiety and depression
- Sleep issues
- Relationship conflicts
- Trauma and PTSD
- Medication management
Costs
- Therapy: $90 or less per visit
- Psychiatry: $220 or less per first visit and $100 or less per ongoing visit
Helpful Resources
Teladoc Health
Medical, Dermatology & Mental Health Services
Contact Information
Phone: 1-866-789-8155
Quick Links
Get Started with Teladoc Health
- Download the Teladoc Health app or visit Teladoc Health to register.
- Select any service you need from the dashboard.
- Schedule a visit at a time that’s convenient for you.
- Meet with your provider by phone or video from wherever you are.
After your initial registration, you can access Teladoc Health directly through the Teladoc Health app whenever you need it.
Questions? Call 1-866-789-8155 to speak to a representative.
Video Introduction (English)
Video Introduction (Spanish)
Health Support Resources & Programs
Services & Programs to Help You Live a Healthy & Happy LifeAlong with medical coverage and pharmacy benefits, your BCBSFL medical plan includes a variety of services and supplemental programs offered at no extra cost and created to help you live a healthier, happier life.
Services
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My Health Novel
My Health Novel will match you with a recommended health program or help you reach a program milestone if you’ve already registered. My Health Novel can be accessed through the Benefits section of your My Health Toolkit account.
My Health Toolkit
My Health Toolkit is your one-stop shop for all of your medical benefits information.
Once you are enrolled and have received your BCBSFL medical ID card, you’ll be able to find an in-network doctor, view the status of your claims, receive health tips, and more.
Health Rewards from Strive
Strive, powered by Virgin Pulse, helps you live better and achieve your health goals. You can earn Health Rewards by completing healthy activities. Complete your activities by Nov. 30 of the plan year and you can earn Health Rewards from Bloomin’ Brands that will be deposited into your Health Reimbursement Account (HRA) or your Health Savings Account (HSA).
Teladoc
Teladoc provides 24/7 access to board-certified physicians through the convenience of phone or video consults. Get answers to your health questions with fast, convenient, high-quality care — anytime, anywhere.
Programs
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Care Management
Your health plan includes free one-on-one coaching from a care manager by phone or digitally through the My Health Planner app. Whether you feel completely comfortable handling your condition or you don’t know where to begin, working with a care manager offers stability, insight and peace of mind.
Blue Cross & Blue Shield of Florida (BCBSFL) offers support for a wide variety of health concerns – from depression, diabetes, heart disease, and high blood pressure to more serious conditions like cancer and kidney failure.
You can ask to be referred into the program, or you or your dependents may incur claims that indicate that you qualify for the program. You or your dependent will receive an invitation to enroll by text, mail, or email.
Learn More
Questions?
For assistance with Care Management, call your Care Manager at (855) 263-0675 ext. 40469.
Maternity Support
Whether you’re expecting your first baby or you’re an experienced pro, having a baby is an exciting time. Your medical plan includes access to the Maternity Care program to support you every step of the way.
Download the interactive My Health Planner app to get started. When you sign up for an account, use the access code MATCARE.
How it Works
My Health Planner will guide you through a customized pregnancy program, giving you access to:
- Secure messaging with your care manager, a health care professional with experience in obstetrics.
- Educational information about each stage of pregnancy.
- Periodic check-ins through short surveys.
- A space where you can set reminders and log medications.
Learn More
For more information, call 855-838-5897 and select the maternity option, and refer to the program overview linked below.
Personal Health Coaching
Ready to get on track with your health but not sure where to start? You don’t have to figure it out on your own. Your health plan includes free one-on-one coaching from a nationally accredited health care professional.
Health Coaching Areas
- Behavioral health and chronic disease coaching for Attention Deficit Hyperactivity Disorder (ADHD), Asthma, Coronary Artery Disease (CAD), Diabetes, postpartum support, and more.
- Healthy lifestyle coaching for back care, maternity, stress management, tobacco-free living, and weight management.
Learn More
Get Started
You can complete two (2) calls per plan year with a dedicated health coach. To enroll in any of the health coaching programs, call the health coaching team at 855-838-5897.
Quit for Life Tobacco Cessation Program
With the right support, anything is possible, and that includes quitting tobacco. Quit for Life is a tobacco cessation program available to employees and dependents enrolled in a Bloomin’ Brands medical plan. Participants must be at least 18 years of age.
Why go at it alone? Quitting tobacco and/or e-cigarettes may be easier with the right help and support.
What the Program Offers
Through the Quit for Life program, you will have a coach dedicated to helping you kick the habit of tobacco use. Over the phone, your coach may help you:
- Gain access to tools and resources, such as up to 8 weeks of nicotine replacement therapy like the patch or gum.
- Set a quit date.
- Create a personal action plan to help you reach your goals.
- Stay motivated.
- Learn the triggers in your life that cause you to crave tobacco, and how to overcome them.
If you are trying to quit tobacco, enroll in Quit for Life to take advantage of powerful tools and support every step of the way.
Learn More
Weight Watchers (WW)
Access the WW Digital Program at a discounted rate! Lose weight in a safe way, and learn how to keep the weight off. The WW discount is available to employees and spouses enrolled in a Bloomin’ Brands medical plan.
Why Lose Weight?
Losing weight is one of the best ways to reduce your risk of heart problems and other diseases. Even losing a moderate amount of weight when you’re obese — 5 to 10 percent — can significantly reduce your risk for chronic disease.
What the Program Offers
WW’s PersonalPoints Program can help you drop the pounds you want while eating what you love and living your life fully.
With WW, you’ll find success with the program made for your life! Here’s a look at the exciting new offerings:
- PersonalPoints are tailored to you: Your unique Points Budget and ZeroPoint™ foods list (foods you don’t need to track!) will be customized to the foods you love.
- Science, simplified: WW makes healthy eating easier by boiling complex nutritional information down to one number—a PersonalPoints value. Just eat and track—how simple is that?
- For the first time ever, you can earn Points! You can now add Points to your Budget by eating non-starchy vegetables, drinking more water, and being active. Building healthy habits has never been more rewarding!
What You’ll Pay
- Eligible Team Members and covered spouses will get 50% off the regular price of the Digital Program and there are no fees to join!
- When you participate in the program, WW will charge a monthly fee of $8.48 (plus tax in applicable states) to the credit card you put on file.
- Monthly payment is required in advance. You will be automatically charged each month in accordance with company pricing until you cancel or your employment with your organization terminates.
- Bloomin’ Brands will record the amount paid on your behalf by the company in your paychecks quarterly for tax purposes.
Get Started with WW
- Go to the WW website and click the “Join Now” button.
- Enter the Access ID for Bloomin’ Brands: 10628552.
- Choose your subscription type (i.e. Employee or Spouse).
- You will be prompted to enter your BBI Employee ID number; when registering your spouse subscription, enter your BBI Employee ID number followed by the letter “S”.
- Continue creating your account, and then select the “Next Step” button.
- Enter your payment information, and then select the “Next Step” button.
- Review and submit your order to complete your registration.
Blue Cross & Blue Shield of Florida (BCBSFL)
Medical
Contact Information
Medical: 1-833-578-1132
Quit for Life: 1-866-784-8454
Quick Links
WW
Weight Watchers Digital Program
Contact Information
Phone: 1-866-204-2885
Available Monday through Friday.
Quick Links
Are you Salaried or Hourly?
Your benefits are dependent on your Salaried or Hourly employment status. Please select your status so that we can tailor your benefits just for you.
Frequently Asked Questions (FAQs)
Answers to Your Benefit Questions(blank)
General Enrollment
I am not sure which medical plan to choose. Will you please tell me?
Only you can determine which medical plan option works best for you and any eligible dependents.
Some items to consider:
- Do you want to pay more each paycheck and have a lower deductible when you incur eligible medical and prescription drug claims?
- Do you want to pay less each paycheck and have a higher deductible when you incur eligible medical and prescription drug claims?
What if I miss the open enrollment period?
If you miss the open enrollment period, you will not be able to enroll or make changes until the next open enrollment period, generally each fall, unless you experience a Qualifying Life Event that permits you to make benefits changes under IRS rules.
My family and I do not use a lot of health care and do not have a lot of health issues. Which medical plan option do you recommend I choose?
Only you can decide which medical plan option will meet the needs of you and your family. You can compare the plan designs and the costs per paycheck to help you decide.
Is my domestic partner eligible for coverage?
Only legal spouses, regardless of gender, are eligible for coverage in Bloomin’ Brands benefits.
I am newly eligible for benefits. When does that coverage begin?
When you first become eligible, as long as you enroll within your required timeframe, your coverage is effective the first of the month following the date you become eligible, or timely submit your changes due to a Qualifying Life Event.
If I add new dependents to my medical, dental, and/or vision coverage, will I need to provide proof that they are eligible?
Yes, supporting documentation must be emailed to BBIBenefits@BloominBrands.com within 30 days of your coverage effective date.
- Generally, you will need to provide a copy of the birth certificate for a dependent child.
- For a spouse, you typically need to provide a copy of your official marriage certificate or a copy of your most recent tax return.
If you do not provide the documentation by the deadline, your dependent(s) will not be enrolled in coverage.
Please explain how the coverage tiers work.
If you are enrolling only yourself for coverage, you select Employee (Empl) Only.
If you are enrolling yourself and your spouse for coverage, you select Employee & Spouse (Empl & Spouse) and check the box next to your spouse’s name.
If you are enrolling yourself and your child(ren) for coverage, you select Employee & Child(ren) (Empl & Child(ren)) and check the box next to each child’s name you are enrolling for coverage.
If you are enrolling yourself, your spouse, and your child(ren) for coverage, you select Family and check the box next to your spouse’s name and each child’s name you are enrolling for coverage.
How do I view my coverages for the current year?
Once you log in to BBI Connect, click on “Menu” in the top left, then the “Myself” tab. In the second column on the “Myself” tab, locate “Benefits” and click on “Benefits Summary.” This will show you a listing of your current coverages and per-paycheck deductions.
Where can I find the 2024 paycheck rates?
The 2024 rates are published on the Medical Coverage and Pharmacy Benefits pages. You can access this information and more from the top navigation menu under Benefits > Health & Wellness > Medical Coverage & Resources.
How many paycheck deductions are there in 2024?
The per-paycheck rates are calculated based on 26 pay periods.
Medical
Do I still have coverage with Blue Cross and Blue Shield of Florida (FL) if I live in a different state?
Yes! As a member of BCBSFL, you have access to the National Alliance of Blue Cross and Blue Shield providers nationwide.
When will I receive medical ID cards from BCBSFL?
You will receive your medical ID cards after enrolling in your benefits for the first time. Generally, it takes up to 14 business days for cards to arrive after BCBSFL receives and processes your enrollment.
Does BCBSFL have coverage for virtual/telehealth doctor visits?
Yes, BCBSFL has an arrangement with Teladoc for virtual/telehealth visits.
Does BCBSFL offer any benefits or discounts for wellness or gym memberships?
Yes! As a member of BCBSFL, you will have access to a number of wellness, fitness, and other discounts through the Blue 365 discount program. You will be able to access more information when you log in to your My Health Toolkit account.
Do in-network and out-of-network claims count toward the in-network deductible?
The in-network deductible is separate from the out-of-network deductible.
Do in-network and out-of-network claims count toward the in-network out-of-pocket maximum?
The in-network out-of-pocket maximum amount is separate from the out-of-network out-of-pocket maximum.
Do my paycheck contributions for my medical coverage go toward my deductible or out-of-pocket maximum?
Your paycheck contributions are separate from your deductible and out-of-pocket maximum amounts.
Health Savings Account
What is the difference between an HRA and HSA?
An HRA is a fund, established by Bloomin’ Brands, in which money you earn by completing Health Rewards is deposited by Bloomin’ Brands. You cannot contribute your own money, and you do not own the account so you cannot take unused money with you if you are no longer enrolled in an HRA medical option or leave Bloomin’ Brands.
An HSA is a type of bank account, opened by you, in which money you contribute plus money you earn by completing Health Rewards is deposited by Bloomin’ Brands. Once you have a certain amount of money in your account, you have the option to invest those funds. You always own the account, and the money is yours.
What is a Health Savings Account (HSA)?
It is a bank account that you and Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HSA medical option. You must take action to open this account.
Can I contribute my own money to the Health Savings Account (HSA)?
Yes, you may contribute your own money to the HSA. The total amount contributed by you and by any Health Rewards contributions you earn from Bloomin’ Brands cannot exceed the annual amount set by the IRS.
What is the maximum amount I can contribute to the Health Savings Account (HSA)?
For 2024, you and Bloomin’ Brands can contribute a total of $4,150 if you are enrolled in single medical coverage, or a total of $8,300 if you are enrolled in family medical coverage. If you are age 55 years old or older, you may contribute an additional $1,000 in catch-up contributions. Remember, these amounts are the full annual amount permitted by the IRS. The amount you may elect to contribute is reduced by the maximum amount of Health Rewards dollars you are eligible to earn.
Do I lose the money in my Health Savings Account (HSA) if I don’t use it during the year?
No, that money is yours and rolls over from year to year, if you do not use it to pay for eligible health care expenses. It is also yours to keep if you no longer work for the company.
Why am I seeing HSA deductions from my paycheck, but AccrueHealth says I have a zero balance in my HSA? Where is my money going?
You are required to open an HSA account with AccrueHealth, so that your HSA paycheck contributions can be deposited into it. The account is not automatically opened on your behalf.
When I retire, can I use my HSA funds to pay for my insurance and/or Medicare premiums?
When you are no longer actively working, certain premiums for health insurance may be eligible expenses under your HSA. Please consult a tax adviser for more information on what expenses are eligible.
How do I access information about my Health Savings Account (HSA)?
To open and access your 2024 HSA account with AccrueHealth, visit member.accrue-health.com. You will need your AccrueHealth debit card to create a new account.
Health Reimbursement Account
What is the difference between an HRA and HSA?
An HRA is a fund, established by Bloomin’ Brands, in which money you earn by completing Health Rewards is deposited by Bloomin’ Brands. You cannot contribute your own money, and you do not own the account so you cannot take unused money with you if you are no longer enrolled in an HRA medical option or leave Bloomin’ Brands.
An HSA is a type of bank account, opened by you, in which money you contribute plus money you earn by completing Health Rewards is deposited by Bloomin’ Brands. Once you have a certain amount of money in your account, you have the option to invest those funds. You always own the account, and the money is yours.
What is a Health Reimbursement Account (HRA)?
It is a fund that only Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HRA medical option. This fund is opened on your behalf when you enroll in one of the HRA medical options.
Can I contribute my own money to the Health Reimbursement Account (HRA)?
Only Bloomin’ Brands can contribute to the HRA. You, and your enrolled spouse, can earn these contributions (also called Health Rewards) by completing activities with Strive.
Will I lose the money in my Health Reimbursement Account (HRA) if I don’t use it during the year?
No, that money rolls over from year to year, if you do not use it to pay for eligible health care expenses and remain enrolled in an HRA medical option.
Will I lose the money in my Health Reimbursement Account (HRA) if I change to a Health Savings Account (HSA) medical option, drop my medical coverage entirely, or stop working for Bloomin’ Brands?
Yes, you will lose the money in your HRA if you:
- Change from an HRA to an HSA medical plan option,
- Drop medical coverage entirely, or
- Stop working for Bloomin’ Brands.
How do I access information about my Health Reimbursement Account (HRA)?
To open and access your 2024 HRA account with AccrueHealth, visit member.accrue-health.com. You will need your AccrueHealth debit card to create a new account.
Flexible Spending Accounts - Health and Dependent Care
Will my FSA debit card still work in 2024?
Yes, if you enroll in an HRA medical plan option and elect to contribute to the Health Care FSA for 2024.
Who is the FSA administrator?
WEX benefits will continue to administer the Health Care and Dependent Care FSAs for 2024.
Can I use my Dependent Care FSA to pay for the health care expenses for my spouse or children?
No, the Dependent Care Flexible Spending Account (DCFSA) is only for eligible day care expenses for your children under age 13.
I have not used some or all of my Dependent Care funds. Can I get these refunded to me so I do not lose them?
No. The IRS requires that any unused funds in a Flexible Spending Account are forfeited.
Will my Flexible Spending Account elections automatically roll over each year?
No. You are required to actively make your Health Care and Dependent Care Flexible Spending Account elections annually if you want to contribute.
Health Rewards
How much can I earn in Health Rewards annually?
For completing the health survey and other healthy activities, the amount you can earn annually to be deposited in your HSA or HRA account varies based on your medical coverage tier.
- For employee-only coverage, you can earn up to $400.
- For family coverage, you can earn up to $800, and if enrolled, your spouse can earn an additional $150.
How do I set up my new Strive account?
If you’re new to Health Rewards, you will need to create a Strive account.
- From a desktop computer: Log in to your My Health Toolkit account, select the Wellness tab, and then Strive.
- From a mobile device: Log in to your My Health Toolkit account, select Benefits, and then Strive to get started.
- Accept the terms and conditions.
- Once your account is set up, you’ll begin with a short, confidential survey called the Personal Health Assessment.
- Download the Virgin Pulse mobile app by searching “Virgin Pulse” in the App Store or Google Play.
Can my family members or dependents join Strive too?
Yes. As long as they are on your health plan, family members and dependents can sign up by logging in to My Health Toolkit and creating a new Strive account.
Can I still earn Strive rewards if I have an injury or medical exception?
Yes. Members who are unable to achieve ideal targets due to a current or chronic medical condition or are unable to take measurements and/or track physical activity because of a disability can fill out a Reasonable Alternative form. Go to Virgin Pulse support and select the Help icon in the bottom-right corner of the screen. There, you can request a document and either submit a form online or fax it to 1-888-501-6442.
How do I connect a fitness tracker or device to my Strive account?
Open your Strive app and view your Profile menu. From the drop-down list, select Devices & Apps. You have the option to connect one of your personal devices/trackers, but you can also use one of the free compatible devices or apps to track your daily steps.
Can I still use my Rally coins or earn rewards?
No. Strive has replaced Rally as our Health Rewards provider. Members will not be able to complete any activities on Rally, earn rewards or coins, or use the Rally platform as of January 1, 2023.
Prescription Drugs
What is Express Scripts (ESI) and what do they provide?
Express Scripts (ESI) is the administrator for the prescription drug plan. When you purchase your prescriptions at a participating retail pharmacy, or use the ESI Mail Order or Walgreens or CVS Smart90 program for your maintenance medications, you will save money on covered medications through the ESI negotiated rates, even when you are still in the process of satisfying your annual deductible.
What is the website for Express Scripts (ESI)?
Before you become a member, you can check their pre-enrollment website to learn more about Express Scripts, check to see if your medication is covered, and the estimated cost. Members can log in at express-scripts.com to view their specific information.
Will I receive a new prescription drug ID card from Express Scripts (ESI)?
If you enroll for medical coverage with Bloomin’ Brands, you will receive ID cards from Express Scripts. Generally, it takes up to 14 business days for cards to arrive after Express Scripts receives and processes your enrollment.
Dental
When will I receive dental ID cards from Cigna?
If you elect the DHMO plan, it can take up to 14 business days for cards to arrive after Cigna receives and processes your enrollment.
If you elect the DPPO plan, you will have access to electronic ID cards.
What is a Dental Preferred Provider Option (DPPO)?
The DPPO allows you to use either an in-network or out-of-network dental provider. The DPPO pays benefits after you and your covered dependents meet an annual deductible. You pay a percentage of the cost of services, or coinsurance, after you meet the deductible. The DPPO will only pay up to the annual maximum for eligible services each year; after the annual maximum, you pay 100% of costs for the rest of the plan year. See Dental Coverage for details.
What is a Dental Health Maintenance Option (DHMO)?
A DHMO provides coverage only for eligible dental services provided by a participating dentist. You must choose a primary dentist for yourself and each of your covered dependents. Generally, you only pay a fixed cost for eligible dental services, with no deductible. There is no coverage if you use a dentist not in the DHMO network. See Dental Coverage for details.
Vision
Will I receive vision ID cards from Vision Service Provider (VSP)?
No, VSP does not issue ID cards. Your vision provider will ask for specific information from you to verify your eligibility and benefits coverage from VSP.
How do the vision benefits work, and does it matter which medical plan I choose?
You elect vision benefits with VSP separately from your medical plan, and the coverage under the vision plan is the same regardless of which medical plan you choose.
VSP provides coverage with copayments or discounts on routine eye exams, glasses, or contact lenses. You may get a routine eye exam once every calendar year. You may replace the lenses in your eyeglasses once every calendar year, and replace your glasses frames once every calendar year. If you prefer to use contact lenses, you may get a supply up to a certain dollar allowance, once every calendar year, instead of eyeglasses.
Is coverage for eyeglasses or contact lenses included in my medical coverage?
You must enroll separately for Vision coverage with VSP in order to have benefits coverage for eyeglasses or contact lenses.
Can I get new eyeglasses and contact lenses in the same calendar year?
The vision plan provides for either eyeglasses or contact lenses each year, but not both.
Can I get new eyeglass frames each year?
The vision plan provides coverage for eyeglass frames once every other year. For example, if you purchase a complete pair of eyeglasses (lenses and frames) in 2023, you can only get new lenses in 2024. You must wait until 2025 to receive benefits for a complete pair of eyeglasses again.
Perks at Work
How do I register to take advantage of the discounts from Perks at Work?
Visit the Perks at Work website and click “Sign Up for Free.” On the next page, enter your work email address (or personal email if you do not have a Bloomin’ Brands email address), enter “Bloomin’ Brands” where it asks for the Company Name, and click “Continue.” Perks at Work will then send you an email to log in and complete your profile and registration, so you can begin using the discounts.
401(k)
How do I contact Fidelity and what is their website?
You can reach Fidelity by calling 1-800-835-5095, between 8:30 a.m. and 8 p.m. ET, Monday–Friday.
Fidelity’s website — netbenefits.com — is where you log in to enroll in and manage your 401(k) account, designate and update your beneficiaries for your 401(k) account, as well as take advantage of numerous tools and educational resources to help with your overall financial wellness and planning.
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General Enrollment
I am not sure which medical plan to choose. Will you please tell me?
Only you can determine which medical plan option works best for you and any eligible dependents.
Some items to consider:
- Do you want to pay more each paycheck and have a lower deductible when you incur eligible medical and prescription drug claims?
- Do you want to pay less each paycheck and have a higher deductible when you incur eligible medical and prescription drug claims?
What if I miss the open enrollment period?
If you miss the open enrollment period, you will not be able to enroll or make changes until the next open enrollment period, generally each fall, unless you experience a Qualifying Life Event that permits you to make benefits changes under IRS rules.
My family and I do not use a lot of health care and do not have a lot of health issues. Which medical plan option do you recommend I choose?
Only you can decide which medical plan option will meet the needs of you and your family. You can compare the plan designs and the costs per paycheck to help you decide.
Is my domestic partner eligible for coverage?
Only legal spouses, regardless of gender, are eligible for coverage in Bloomin’ Brands benefits.
I am newly eligible for benefits. When does that coverage begin?
When you first become eligible, as long as you enroll within your required timeframe, your coverage is effective the first of the month following the date you become eligible, or timely submit your changes due to a Qualifying Life Event.
If I add new dependents to my medical, dental, and/or vision coverage, will I need to provide proof that they are eligible?
Yes, supporting documentation must be emailed to BBIBenefits@BloominBrands.com within 30 days of your coverage effective date.
- Generally, you will need to provide a copy of the birth certificate for a dependent child.
- For a spouse, you typically need to provide a copy of your official marriage certificate or a copy of your most recent tax return.
If you do not provide the documentation by the deadline, your dependent(s) will not be enrolled in coverage.
Please explain how the coverage tiers work.
If you are enrolling only yourself for coverage, you select Employee (Empl) Only.
If you are enrolling yourself and your spouse for coverage, you select Employee & Spouse (Empl & Spouse) and check the box next to your spouse’s name.
If you are enrolling yourself and your child(ren) for coverage, you select Employee & Child(ren) (Empl & Child(ren)) and check the box next to each child’s name you are enrolling for coverage.
If you are enrolling yourself, your spouse, and your child(ren) for coverage, you select Family and check the box next to your spouse’s name and each child’s name you are enrolling for coverage.
How do I view my coverages for the current year?
Once you log in to BBI Connect, click on “Menu” in the top left, then the “Myself” tab. In the second column on the “Myself” tab, locate “Benefits” and click on “Benefits Summary.” This will show you a listing of your current coverages and per-paycheck deductions.
Where can I find the 2024 paycheck rates?
The 2024 rates are published on the Medical Coverage and Pharmacy Benefits pages. You can access this information and more from the top navigation menu under Benefits > Health & Wellness > Medical Coverage & Resources.
How many paycheck deductions are there in 2024?
The per-paycheck rates are calculated based on 26 pay periods.
Medical
Do I still have coverage with Blue Cross and Blue Shield of Florida (FL) if I live in a different state?
Yes! As a member of BCBSFL, you have access to the National Alliance of Blue Cross and Blue Shield providers nationwide.
When will I receive medical ID cards from BCBSFL?
You will receive your medical ID cards after enrolling in your benefits for the first time. Generally, it takes up to 14 business days for cards to arrive after BCBSFL receives and processes your enrollment.
Does BCBSFL have coverage for virtual/telehealth doctor visits?
Yes, BCBSFL has an arrangement with Teladoc for virtual/telehealth visits.
Does BCBSFL offer any benefits or discounts for wellness or gym memberships?
Yes! As a member of BCBSFL, you will have access to a number of wellness, fitness, and other discounts through the Blue 365 discount program. You will be able to access more information when you log in to your My Health Toolkit account.
What is a 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.
Do in-network and out-of-network claims count toward the in-network deductible?
The in-network deductible is separate from the out-of-network deductible.
What is 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.
What is an 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.
Do in-network and out-of-network claims count toward the in-network out-of-pocket maximum?
The in-network out-of-pocket maximum amount is separate from the out-of-network out-of-pocket maximum.
Do my paycheck contributions for my medical coverage go toward my deductible or out-of-pocket maximum?
Your paycheck contributions are separate from your deductible and out-of-pocket maximum amounts.
Health Savings Account
What is the difference between an HRA and HSA?
An HRA is a fund, established by Bloomin’ Brands, in which money you earn by completing Health Rewards is deposited by Bloomin’ Brands. You cannot contribute your own money, and you do not own the account so you cannot take unused money with you if you are no longer enrolled in an HRA medical option or leave Bloomin’ Brands.
An HSA is a type of bank account, opened by you, in which money you contribute plus money you earn by completing Health Rewards is deposited by Bloomin’ Brands. Once you have a certain amount of money in your account, you have the option to invest those funds. You always own the account, and the money is yours.
What is a Health Savings Account (HSA)?
It is a bank account that you and Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HSA medical option. You must take action to open this account.
Can I contribute my own money to the Health Savings Account (HSA)?
Yes, you may contribute your own money to the HSA. The total amount contributed by you and by any Health Rewards contributions you earn from Bloomin’ Brands cannot exceed the annual amount set by the IRS.
What is the maximum amount I can contribute to the Health Savings Account (HSA)?
For 2024, you and Bloomin’ Brands can contribute a total of $4,150 if you are enrolled in single medical coverage, or a total of $8,300 if you are enrolled in family medical coverage. If you are age 55 years old or older, you may contribute an additional $1,000 in catch-up contributions. Remember, these amounts are the full annual amount permitted by the IRS. The amount you may elect to contribute is reduced by the maximum amount of Health Rewards dollars you are eligible to earn.
Do I lose the money in my Health Savings Account (HSA) if I don’t use it during the year?
No, that money is yours and rolls over from year to year, if you do not use it to pay for eligible health care expenses. It is also yours to keep if you no longer work for the company.
Why am I seeing HSA deductions from my paycheck, but AccrueHealth says I have a zero balance in my HSA? Where is my money going?
You are required to open an HSA account with AccrueHealth, so that your HSA paycheck contributions can be deposited into it. The account is not automatically opened on your behalf.
When I retire, can I use my HSA funds to pay for my insurance and/or Medicare premiums?
When you are no longer actively working, certain premiums for health insurance may be eligible expenses under your HSA. Please consult a tax adviser for more information on what expenses are eligible.
How do I access information about my Health Savings Account (HSA)?
To open and access your 2024 HSA account with AccrueHealth, visit member.accrue-health.com. You will need your AccrueHealth debit card to create a new account.
Health Reimbursement Account
What is the difference between an HRA and HSA?
An HRA is a fund, established by Bloomin’ Brands, in which money you earn by completing Health Rewards is deposited by Bloomin’ Brands. You cannot contribute your own money, and you do not own the account so you cannot take unused money with you if you are no longer enrolled in an HRA medical option or leave Bloomin’ Brands.
An HSA is a type of bank account, opened by you, in which money you contribute plus money you earn by completing Health Rewards is deposited by Bloomin’ Brands. Once you have a certain amount of money in your account, you have the option to invest those funds. You always own the account, and the money is yours.
What is a Health Reimbursement Account (HRA)?
It is a fund that only Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HRA medical option. This fund is opened on your behalf when you enroll in one of the HRA medical options.
Can I contribute my own money to the Health Reimbursement Account (HRA)?
Only Bloomin’ Brands can contribute to the HRA. You, and your enrolled spouse, can earn these contributions (also called Health Rewards) by completing activities with Strive.
Will I lose the money in my Health Reimbursement Account (HRA) if I don’t use it during the year?
No, that money rolls over from year to year, if you do not use it to pay for eligible health care expenses and remain enrolled in an HRA medical option.
Will I lose the money in my Health Reimbursement Account (HRA) if I change to a Health Savings Account (HSA) medical option, drop my medical coverage entirely, or stop working for Bloomin’ Brands?
Yes, you will lose the money in your HRA if you:
- Change from an HRA to an HSA medical plan option,
- Drop medical coverage entirely, or
- Stop working for Bloomin’ Brands.
How do I access information about my Health Reimbursement Account (HRA)?
To open and access your 2024 HRA account with AccrueHealth, visit member.accrue-health.com. You will need your AccrueHealth debit card to create a new account.
Health Rewards
How much can I earn in Health Rewards annually?
For completing the health survey and other healthy activities, the amount you can earn annually to be deposited in your HSA or HRA account varies based on your medical coverage tier.
- For employee-only coverage, you can earn up to $400.
- For family coverage, you can earn up to $800, and if enrolled, your spouse can earn an additional $150.
How do I set up my new Strive account?
If you’re new to Health Rewards, you will need to create a Strive account.
- From a desktop computer: Log in to your My Health Toolkit account, select the Wellness tab, and then Strive.
- From a mobile device: Log in to your My Health Toolkit account, select Benefits, and then Strive to get started.
- Accept the terms and conditions.
- Once your account is set up, you’ll begin with a short, confidential survey called the Personal Health Assessment.
- Download the Virgin Pulse mobile app by searching “Virgin Pulse” in the App Store or Google Play.
Can my family members or dependents join Strive too?
Yes. As long as they are on your health plan, family members and dependents can sign up by logging in to My Health Toolkit and creating a new Strive account.
Can I still earn Strive rewards if I have an injury or medical exception?
Yes. Members who are unable to achieve ideal targets due to a current or chronic medical condition or are unable to take measurements and/or track physical activity because of a disability can fill out a Reasonable Alternative form. Go to Virgin Pulse support and select the Help icon in the bottom-right corner of the screen. There, you can request a document and either submit a form online or fax it to 1-888-501-6442.
How do I connect a fitness tracker or device to my Strive account?
Open your Strive app and view your Profile menu. From the drop-down list, select Devices & Apps. You have the option to connect one of your personal devices/trackers, but you can also use one of the free compatible devices or apps to track your daily steps.
Can I still use my Rally coins or earn rewards?
No. Strive has replaced Rally as our Health Rewards provider. Members will not be able to complete any activities on Rally, earn rewards or coins, or use the Rally platform as of January 1, 2023.
Prescription Drugs
What is Express Scripts (ESI) and what do they provide?
Express Scripts (ESI) is the administrator for the prescription drug plan. When you purchase your prescriptions at a participating retail pharmacy, or use the ESI Mail Order or Walgreens or CVS Smart90 program for your maintenance medications, you will save money on covered medications through the ESI negotiated rates, even when you are still in the process of satisfying your annual deductible.
What is the website for Express Scripts (ESI)?
Before you become a member, you can check their pre-enrollment website to learn more about Express Scripts, check to see if your medication is covered, and the estimated cost. Members can log in at express-scripts.com to view their specific information.
Will I receive a new prescription drug ID card from Express Scripts (ESI)?
If you enroll for medical coverage with Bloomin’ Brands, you will receive ID cards from Express Scripts. Generally, it takes up to 14 business days for cards to arrive after Express Scripts receives and processes your enrollment.
Dental
When will I receive dental ID cards from Cigna?
If you elect the DHMO plan, it can take up to 14 business days for cards to arrive after Cigna receives and processes your enrollment.
If you elect the DPPO plan, you will have access to electronic ID cards.
What is a Dental Preferred Provider Option (DPPO)?
The DPPO allows you to use either an in-network or out-of-network dental provider. The DPPO pays benefits after you and your covered dependents meet an annual deductible. You pay a percentage of the cost of services, or coinsurance, after you meet the deductible. The DPPO will only pay up to the annual maximum for eligible services each year; after the annual maximum, you pay 100% of costs for the rest of the plan year. See Dental Coverage for details.
What is a Dental Health Maintenance Option (DHMO)?
A DHMO provides coverage only for eligible dental services provided by a participating dentist. You must choose a primary dentist for yourself and each of your covered dependents. Generally, you only pay a fixed cost for eligible dental services, with no deductible. There is no coverage if you use a dentist not in the DHMO network. See Dental Coverage for details.
Vision
Will I receive vision ID cards from Vision Service Provider (VSP)?
No, VSP does not issue ID cards. Your vision provider will ask for specific information from you to verify your eligibility and benefits coverage from VSP.
How do the vision benefits work, and does it matter which medical plan I choose?
You elect vision benefits with VSP separately from your medical plan, and the coverage under the vision plan is the same regardless of which medical plan you choose.
VSP provides coverage with copayments or discounts on routine eye exams, glasses, or contact lenses. You may get a routine eye exam once every calendar year. You may replace the lenses in your eyeglasses once every calendar year, and replace your glasses frames once every calendar year. If you prefer to use contact lenses, you may get a supply up to a certain dollar allowance, once every calendar year, instead of eyeglasses.
Is coverage for eyeglasses or contact lenses included in my medical coverage?
You must enroll separately for Vision coverage with VSP in order to have benefits coverage for eyeglasses or contact lenses.
Can I get new eyeglasses and contact lenses in the same calendar year?
The vision plan provides for either eyeglasses or contact lenses each year, but not both.
Can I get new eyeglass frames each year?
The vision plan provides coverage for eyeglass frames once every other year. For example, if you purchase a complete pair of eyeglasses (lenses and frames) in 2023, you can only get new lenses in 2024. You must wait until 2025 to receive benefits for a complete pair of eyeglasses again.
Perks at Work
How do I register to take advantage of the discounts from Perks at Work?
Visit the Perks at Work website and click “Sign Up for Free.” On the next page, enter your work email address (or personal email if you do not have a Bloomin’ Brands email address), enter “Bloomin’ Brands” where it asks for the Company Name, and click “Continue.” Perks at Work will then send you an email to log in and complete your profile and registration, so you can begin using the discounts.
BBI Resource Center
BBI Connect
Contact Information
Available Monday through Friday from 9 a.m. to 6 p.m. ET.
Phone: 1-800-555-5808 (Option 3)
Contacts
Get Support from Your Benefits ProvidersAccrueHealth
Health Savings & Reimbursement Accounts
Contact Information
Phone: 1-844-643-3099
Available Monday through Friday from 8 a.m. - 8 p.m. ET.
Quick Links
Blue Cross & Blue Shield of Florida (BCBSFL)
Medical
Contact Information
Medical: 1-833-578-1132
Quit for Life: 1-866-784-8454
Quick Links
HR Resource Center
General Questions About Benefits & Eligibility
Contact Information
Available Monday through Friday from 9 a.m. to 6 p.m. ET.
Phone: 1-800-555-5808 (Option 3)
Cigna
Fidelity NetBenefits
401(k) Savings, Retirement Planning & Deferred Comp
Contact Information
Phone: 1-800-835-5095
Available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET.
Quick Links
Express Scripts
Pharmacy
Contact Information
Phone: 1-866-725-2520
Quick Links
Magellan Ascend
Employee Assistance Program (EAP)
Contact Information
Phone: 1-800-327-6754
Quick Links
MetLife Legal Plans
New York Life Group Benefit Solutions (NYL GBS)
Life, AD&D & Disability
Contact Information
General Support: 1-888-842-4462
EOI Processing Center: 1-866-607-2360
Quick Links
Strive Support
Health Rewards
Contact Information
Available Monday through Friday from 8 a.m. to 9 p.m. ET.
Phone: 1-855-944-2058
Teladoc
The Taben Group (Division of Navia Benefit Solutions)
VSP Vision Care
Wex Benefits
Flexible Spending Accounts (FSAs) & COBRA Continuation Coverage
Contact Information
Available Monday through Friday from 6 a.m. to 9 p.m. CT.
Phone: 1-866-451-3399
Fax: 1-866-451-3245
Quick Links
WW
Weight Watchers Digital Program
Contact Information
Phone: 1-866-204-2885
Available Monday through Friday.