Frequently Asked Questions (FAQs)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.