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?
Check out the illustrative claim examples to help you get a feel for the impact of paycheck contributions and your share of typical out-of-pocket expenses for the various plan options.
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 healthcare 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, the costs per paycheck, and some medical claims examples to help you decide.
Will I be automatically enrolled in my current medical plan option if I take no action during open enrollment?
While there are 2022 medical plan options that are similar to the 2021 medical plan options, they are not identical. We are encouraging all team members to actively make their 2022 benefit plan elections, to have the coverage that best meets the needs of their families. There are controls in place to make sure that any eligible team member with medical plan coverage continues to have coverage in 2022.
I enrolled for one of the medical plans, but I am still deciding if this is the right one for me. Can I change my election?
You will be able to make changes to your elections during your open enrollment period. Once the open enrollment period ends, you are only allowed to make changes to certain benefits if you have a qualifying life event during the year.
Is my domestic partner eligible for coverage?
Only legal spouses, regardless of gender, are eligible for coverage in Bloomin’ Brands benefits.
What is the eligibility measurement period for this open enrollment cycle?
For annual eligibility, a Team Member must earn 1,560 hours of service (an average of 30 hours per week) over a particular period of time. Generally, the period of time checked for annual eligibility will be 52 weeks beginning and ending in early October.
The hours that were included for determining your eligibility for benefits in 2022 were hours of service (including credited hours for eligible leave) included in pay dates between October 3, 2020, and October 2, 2021.
When can I enroll next, if I am not eligible for this open enrollment period?
Generally, you must have 1 year of continuous service and earn 1,560 service hours (an average of 30 hours per week) within your initial measurement period to be eligible for benefits. Your initial measurement period begins on the first day of the pay period following the pay period in which you first have hours and ends 12 months later, provided you have not had a Break in Service (described below). If you have earned 1,560 hours of service at the end of your initial measurement period, you will become eligible for benefits. Benefits will be effective on the first of the month following the end of your initial measurement period.
If you have passed your initial measurement period, you will be measured for the next open enrollment cycle.
I need insurance but am not yet eligible. What are my options?
If you lost eligibility from 2021 to 2022, you will receive a COBRA package at your home address.
If you are not currently eligible, you may have the opportunity to purchase coverage when the Marketplace has their open enrollment, generally between November and December. Visit healthcare.gov, or call 1-800-318-2596 for more information.
Where can I find the 2022 paycheck rates?
The 2022 rates are available by choosing “Benefits” from the top navigation menu, then “Medical and Rx.” One on that page, click “learn more” within the box for “Compare cost per paycheck for 2022” to see the rates by plan, coverage tier, and salary band.
How many paycheck deductions are there in 2022?
The per paycheck rates are calculated based on 26 pay periods.