Frequently Asked Questions (FAQs)

Only you can determine which medical plan option works best for you and any eligible dependents. Consider whether you prefer lower paycheck contributions with a higher deductible, or higher paycheck contributions with a lower deductible.

If you do not enroll or make changes during Open Enrollment, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event (QLE) that allows changes under IRS rules.

No. Only legal spouses are eligible for coverage under Bloomin’ Brands benefits.

Coverage begins the first of the month following the date you become eligible, provided you enroll within the required timeframe or following a Qualifying Life Event (QLE).

Yes. Documentation must be submitted within the required timeframe. Examples include birth certificates for children and marriage certificates or recent tax returns for spouses. Failure to provide documentation will result in dependents not being enrolled in coverage.

Coverage tiers include Employee Only, Employee & Spouse, Employee & Child(ren), and Family. You must check each dependent you wish to enroll.

In Workday, navigate to Menu → Personal → Benefits and Pay. Click on the shield with a heart (Benefits) → Benefit Elections to view your coverages and paycheck deductions.

Paycheck rates are posted on the Medical Coverage and Pharmacy Benefits pages under the Benefits → Health & Wellness → Medical Coverage & Resources section of the website.

Per-paycheck rates are based on the company’s standard number of pay periods.

Yes. Members have access to the nationwide Blue Cross Blue Shield provider network.

Cards are mailed after your enrollment is processed. Generally, it can take up to 14 business days.

Yes. Virtual visits are available through Teladoc.

Yes. Discounts are available through the Blue365 program via your My Health Toolkit account.

A deductible is the amount you pay for eligible medical and prescription costs before the plan begins sharing the cost.

Coinsurance is the percentage you pay after meeting your deductible and before reaching your out-of-pocket maximum.

It is the maximum you pay for eligible services each calendar year. Non-covered services do not count.

A copay is a fixed fee that patients pay out of pocket at the time of receiving a healthcare service.

No. In-network and out-of-network amounts are tracked separately.

No. Paycheck contributions are separate from deductible and out-of-pocket limits.

An HSA is a personal bank account for eligible health care expenses. You may contribute if you are enrolled in our Choice HSA-eligible medical plan.

Yes. You may contribute up to the IRS maximum each year.

No. HSA funds roll over each year and remain yours even if you leave the company.

You must open your HSA before contributions can be deposited. The account is not opened automatically.

When you are no longer actively working, certain premiums for health insurance may be eligible expenses under your HSA. Please consult a tax advisor for more information on what expenses are eligible.

Visit AccrueHealth’s member portal after opening your account.

Employees can earn premium discounts by completing the wellness program activities every year.

Log in to your My Health Toolkit, select the wellness program link, and complete enrollment and the Personal Health Assessment.

Yes. Spouses enrolled in your medical plan may create their own wellness accounts.

You may request an alternative activity through the HR Resource Center by contacting 1-800-555-5808, option 3.

Express Scripts (ESI) administers the prescription drug plan and offers discounted pricing and mail-order services.

Yes. ID cards are mailed after medical enrollment is processed. Generally, it takes up to 14 business days for cards to arrive.

DHMO plans issue physical cards; DPPO plans offer electronic cards.

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.

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.

No. VSP does not issue ID cards; providers verify eligibility electronically.

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 other 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.

No. You must choose either glasses or contacts each year.

Frames are covered on a set schedule as defined by the vision plan. Generally, they are covered once every other year.

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.