What’s changing this year compared to last year?

This year includes several benefit enhancements and vendor changes, including a new medical vendor, new health support programs and new partnership with Fidelity and Garner. All open enrollment resources are available on the Open Enrollment page.

Why are these changes occurring?

We’re investing in better care, more personalized support, and tools that help team members make confident healthcare decisions while maintaining a strong benefits program for the future.

When is Open Enrollment?

October 27 – November 10, 202

What happens if I do not make an election?

If you do not make any benefit elections, your current elections will generally roll over to the next plan year. However, flexible spending accounts (FSAs) do not roll over automatically and require you to make a new election each year.

What action is required from me?

Review your benefit options during enrollment and make any necessary elections by the enrollment deadline. Be sure to complete any required registrations with new vendors and update any providers or pharmacies that may need your new insurance information.

When do my new benefits become effective?

January 1, 2027

Where do I enroll?

Workday

Can I change my elections after Open Enrollment ends?

Generally, no. Once Open Enrollment closes, you may only make changes if you experience a qualifying life event (QLE), such as marriage, divorce, birth or adoption of a child, or gain/loss of other coverage.

How can I compare my current plan and choose the right new option?

Review the Open Enrollment guide, benefits summaries, and plan comparison tools available on this website. These resources can help you compare costs, coverage levels, provider networks, and plan features side by side. When evaluating your options, consider your expected healthcare needs, provider preferences, and budget to help determine which plan best fits your situation.

Are there any changes to premiums, deductibles, or out-of-pocket maximums?

Some plans may have changes to costs and cost-sharing features for 2027. Please review the plan comparison materials carefully on the Medical Coverage page.

Can I cover my spouse or dependents?

Yes. Eligible spouses and dependents can be enrolled in coverage if they meet the plan’s eligibility requirements. Documentation is required to confirm eligibility before coverage can be approved.

What if I have a qualifying life event (QLE) after Open Enrollment?

If you experience a qualifying life event (QLE), you may be eligible to make certain benefits changes outside of Open Enrollment. Be sure to review the applicable requirements and deadlines on the Life Events & Changing Your Benefits page.

What if I miss the Open Enrollment period?

If you do not enroll before the deadline, your current elections will generally roll over to the next plan year, except for FSAs, which require a new election each year. If you need to make changes after Open Enrollment closes, you will generally need to wait until the next Open Enrollment period unless you experience a qualifying life event (QLE).

Is my domestic partner eligible for coverage?

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

How do I view my current benefits?

Log in to Workday. From the home screen, choose ‘Benefits and Pay’ from the menu in the top left corner of the screen. Then, select ‘Benefits’ in the left menu and select ‘Benefit Elections’.

Who do I contact if I have questions about my benefits or enrollment?

If you have additional questions, please contact the HR Resource Center at 800-555-5808 (Option 3).

Are my current doctors and/or specialists in the UHC network?

You can search for in-network providers (make sure to use the Choice Plus network) without an account to confirm whether your provider is in-network with UHC, and find other providers covered by each plan. Once you create a UHC member account, you can find providers using your member account.

What happens if my provider is not in-network?

Team members receiving active treatment from an out-of-network provider may be eligible to continue care temporarily at in-network benefit levels while transitioning to a UHC network provider.

If approved, eligible services are covered at in-network benefit levels for up to 60 days.

Will any of my current services be disrupted?

Most services are expected to continue without interruption. However, team members receiving ongoing treatment, specialty care, or recurring prescriptions should review transition guidance and confirm provider participation with the new carrier.

Do I need a referral to see a specialist?

No, our plans do not require a referral to see a specialist.

Will I receive new ID cards?

If you enroll in a plan with a new carrier or if your current carrier issues updated cards, you will receive a new ID card before your coverage becomes effective. Digital ID cards may also be available through the carrier’s website or mobile app.

Will my deductible carry over?

No, our deductibles reset at the beginning of each plan year. New deductible limits for 2027 can be found on the Medical Coverage page.

Do I need to submit any claims during the transition?

Any claims for services incurred in 2026 will be filed through Blue Cross Blue Shield (BCBS) and any claims for services incurred in 2027 should be filed with UnitedHealthcare (UHC).

Will prior authorizations transfer to the new carrier?

Not always. Prior authorizations are generally carrier-specific and may need to be reviewed or reapproved by the new carrier. If you currently have an approved authorization, contact the new carrier before the transition date to determine whether additional action is needed.

How do I create a UHC account?

Visit myUHC.com and select ‘Register Now’. You’ll need your member ID and some personal information to create an account and access your benefits online. More information coming soon!

Is there a UHC mobile app?

Yes. The UnitedHealthcare app allows you to access your ID card, view claims, find providers, review benefits, and manage your healthcare on the go.

What telehealth services are available through UHC?

UHC offers virtual care options for non-emergency medical needs, allowing members to connect with healthcare providers online or through video visits. More information coming soon!

Can I access virtual mental health care through UHC?

Yes. UHC offers access to virtual behavioral health and mental health providers through its network. You can search for mental health professionals through the UHC provider directory or your member account.

Will my existing HSA balance transfer automatically?

No. Your existing HSA balance will remain with AccrueHealth/WealthCare unless you elect to transfer it. Please ensure your contact information is up to date in Workday so you receive communications about the transfer process and how to opt in.

Will I have to liquidate my investments with Accruehealth to move to Fidelity?

Yes. All funds must be liquidated and moved to a cash position before they can be transferred to Fidelity. Additional details about the transition will be provided soon.

What happens if I choose not to transfer my existing balance with AccrueHealth?

Your current HSA balance will remain with AccrueHealth/WealthCare unless you elect to transfer it.

If you enroll in the HSA medical plan and elect HSA contributions during Open Enrollment, Fidelity will open an HSA for you and receive future payroll contributions.

If you do not transfer your existing balance, you may have two HSA accounts: one with AccrueHealth/WealthCare and one with Fidelity.

When will the transfer occur?

Communications will be sent regarding key dates, including any blackout periods and the expected transfer completion date once finalized.

Will I lose access to my funds during the transfer?

There may be a temporary period during the transfer process when certain account transactions are limited. Any applicable blackout periods and expected timing will be communicated in advance.

What happens if I already have a Fidelity account?

If you already have a Fidelity account, you may be able to access your HSA using your existing Fidelity login credentials. Fidelity will provide instructions if any additional setup is required.

Can I continue making payroll contributions?

Yes. If you are enrolled in the HSA plan, payroll deductions will continue according to your contribution elections, subject to IRS annual contribution limits.

Will my contribution elections carry over automatically?

In most cases, your current HSA payroll contribution elections will continue unless you make a change during Open Enrollment. Team members who are enrolled in the Choice HSA medical plan and elect HSA payroll contributions will have those contributions deposited into a Fidelity HSA, regardless of whether they transfer their existing HSA balance from AccrueHealth/WealthCare.

How do I invest my HSA funds?

Once your HSA is established and any required cash balance minimums are met, you can log in to Fidelity and choose from available investment options. Investment choices and features may vary by plan.

Are there investment fees?

Investment expenses may apply depending on the funds you select. Review the fund prospectuses and Fidelity’s fee disclosures for complete information about applicable expenses.

Can I change my investment selections at any time?

Yes. You can generally update your investment elections, transfer balances between available investment options, or adjust your investment strategy through your Fidelity HSA account at any time.

When will I receive my HSA debit card?

If a debit card is included with your HSA, it is typically mailed after your account is established. Watch for communications from Fidelity regarding card delivery and activation instructions.

Can I add beneficiaries to my HSA?

Yes. You can designate or update beneficiaries through your Fidelity HSA account. Naming beneficiaries helps ensure your account assets are distributed according to your wishes.

What expenses are HSA eligible?

HSAs can generally be used to pay for qualified medical expenses as defined by the IRS, including:

• Doctor and specialist office visits
• Prescription medications
• Dental care
• Vision care and eyewear
• Eligible medical equipment and supplies
• Many preventive care services

For a complete list of qualified medical expenses, refer to IRS Publication 502 and your HSA plan materials.

What is Hello Heart?

Hello Heart is a digital heart health program that combines an FDA-cleared connected blood pressure monitor with a mobile app to help participants track blood pressure, manage cardiovascular risk factors, and receive personalized guidance to improve heart health.

Who is eligible to participate?

Any employee or adult dependent enrolled in a BBI medical plan. Hello Heart works best for people who may have:

• BP over 130/80 or on BP medication
• On medication for high cholesterol
• Woman aged 52+ or menopausal/postmenopausal

How much does the program cost?

Hello Heart is offered at no cost for eligible team members and adult dependents.

Do I receive a free blood pressure monitor?

Yes. Eligible participants receive a free FDA-cleared connected blood pressure monitor that pairs with the Hello Heart app.

How does the device connect to the app?

The blood pressure monitor connects to the Hello Heart mobile app and automatically transfers readings, allowing you to track trends and receive personalized insights over time.

What kind of health coaching is available?

Hello Heart provides personalized guidance, educational content, reminders, and insights based on your health information and readings. The app helps you better understand your numbers and supports healthy lifestyle changes.

Will Bloomin’ Brands see my health information?

No. Your personal health information remains private and protected. Bloomin’ Brands dord not receive individual medical details. Hello Heart is HIPAA-compliant, and you control whether to share reports with your healthcare provider.

Will participation impact my medical coverage?

No. Participating in Hello Heart does not affect your medical coverage, benefits eligibility, or access to healthcare services. It is a voluntary program designed to support your heart health.

What is Virta?

Virta is a virtual, provider-led health program designed to help people with type 2 diabetes, prediabetes, and certain weight management needs improve their metabolic health through personalized nutrition, coaching, and medical support.

Who qualifies for the program?

Any employee or adult dependent enrolled in a BBI medical plan. Virta may work best for those that have:

• Type 2 diabetes
• Prediabetes
• Certain metabolic health or weight-related risk factors

Do I need to have diabetes to participate?

No. Depending on your organization’s program, Virta may also be available to individuals with prediabetes or those seeking support for sustainable weight loss.

Can individuals with prediabetes enroll?

Yes. Virta offers programs specifically designed to help individuals with prediabetes improve blood sugar levels and reduce the risk of developing type 2 diabetes.

What does the program include?

Virta’s program may include:

• A personalized nutrition plan
• Access to a physician-led clinical care team
• One-on-one health coaching
• Educational resources, recipes, and tools
• A mobile app and online support community
• Ongoing monitoring and guidance throughout your journey

Will I work with a health coach or clinician?

Yes. Participants are paired with a dedicated health coach and have access to licensed healthcare providers who can monitor progress, answer questions, and provide medical guidance when appropriate.

Does Virta provide supplies or testing equipment?

Many Virta programs provide eligible participants with tools such as diabetes testing supplies, connected glucose meters, and/or scales when medically appropriate. Availability may vary by program.

Will Bloomin’ Brands know if I join?

No. Your participation and personal health information are kept confidential. Bloomin’ Brands may receive aggregate program reporting, but they do not receive individual health details or personal medical information. This is consistent with standard healthcare privacy practices.

What outcomes can participants expect?

Results vary by individual, but participants may experience:

• Lower blood sugar and A1C levels
• Weight loss
• Reduced reliance on certain diabetes medications
• Improved metabolic health and energy levels
• Better management of prediabetes or type 2 diabetes

What is Garner?

Garner is a healthcare benefit that helps team members find high-

performing in-network doctors based on quality outcomes and clinical results, not online ratings.

Why should I use Garner if I already have health insurance?

Using Garner-designated providers can help reduce out-of-pocket healthcare costs through reimbursement opportunities that help offset medical expenses.

How does Garner help me find doctors?

Garner analyzes medical claims and patient outcomes to identify top-performing providers. Through the Garner website or mobile app, you can search for doctors who are in-network, highly rated, and accepting new patients.

How do I search for top-performing providers?

After creating a Garner account, you can search by provider name, specialty, condition, symptom, or location. Providers designated as “Top Providers” are identified with a special badge in the Garner app and website. Check out the Garner Toolkit for more information.

Can I use Garner for specialists?

Yes. Garner can help you find both primary care physicians and specialists across a wide range of medical specialties.

Does Garner save me money?

Yes. In addition to helping you find high-quality care, Garner reimburses for eligible out-of-pocket expenses when you visit a Garner Top Provider. Check out the Garner Toolkit for more information.

How does the reimbursement process work?

Garner reimburses eligible out-of-pocket medical expenses when you visit a Garner Top Provider and follow program requirements. Reimbursements are available up to $2,000 annually for individual coverage and $4,000 annually for family coverage. Check out the Garner Toolkit for more information.

Do I need to create an account and can my family members use Garner?

Yes. Creating a free Garner account gives you access to provider recommendations, concierge support, and any available reimbursement benefits. Eligible dependents covered under your medical plan can also typically create their own accounts to use Garner’s provider search tools and benefit features. Check your program details for specific eligibility information.

Note: Garner is a supplemental healthcare benefit and does not replace your health insurance coverage. Continue to use your medical plan for coverage and claims processing.

What is UHC Rewards?

UHC Rewards is a wellness and engagement platform designed to help team members improve their health and well-being through personalized activities, health assessments, challenges, educational content, and reward opportunities.

What happens to my rewards for 2026?

Rewards earned through the 2026 Health Rewards Program will be applied as premium discounts in 2027. If you have not yet completed the program, you have until December 31, 2026. See the Health Rewards page for more information.

How do I access the platform?

More information is coming soon!

Is there a mobile app?

More information is coming soon!

Who can participate?

Team members and spouses enrolled in your medical plan may create their own wellness accounts.

What health activities are available?

Team members can find the complete list on the Health Rewards page.

Can I earn rewards?

Yes. Team members and eligible spouses who complete the Health Rewards program may earn premium discounts for the following plan year.

How do I track my progress?

UHC Rewards provides a personalized dashboard where you can view your health score, completed activities, earned rewards, goals, and progress toward wellness challenges and programs.

Are incentives taxable?

No.

Will my manager see my participation?

No. Individual participation and health information are not shared with managers. Bloomin’ Brands may receive aggregate, de-identified reporting about overall program participation, but not your personal health details.

Is my health information confidential?

Yes. Personal health information is protected and handled in accordance with applicable privacy and security requirements. UHC Rewards uses secure authentication and privacy safeguards to help protect member information.

What is Maven, and how can it help me?

Maven is a digital health and family support benefit that provides access to specialists, education, and personalized guidance for family building, pregnancy, parenting and other family health needs.

Who is eligible for Maven?

Any employee or adult dependent enrolled in a BBI medical plan may be eligible for Maven. Maven may work best for those seeking support with:

• Pregnancy and postpartum care
• Parenting support
• General family health and wellness guidance

How do I get started with Maven?

Getting started is easy. Simply create a free Maven account to explore the benefits and support available through the program.

Does Maven replace my medical plan?

No. Maven is a supplemental benefit and does not replace your health insurance coverage.

Is my information kept confidential?

Yes. Personal health information shared through Maven is private and protected. Individual health information is not shared with Bloomin’ Brands.

What does Express Scripts (ESI) provide?

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

Will I receive a prescription ID card?

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

When will I receive dental ID cards?

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

What is a 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 the Dental Coverage page for details.

What is a 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 the Dental Coverage page for details.

Will I receive vision ID cards?

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

How do vision benefits work?

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.

See the Vision page for more details.

Can I get eyeglasses and contacts in the same year?

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

How often can I get new frames?

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

Will my FSA debit card still work in 2027?

Yes, if you enroll in a PPO medical plan option and re-enroll in Health Care FSA, your FSA debit card will work next year if it has not expired.

Who administers FSAs?

FSAs are administered by WEX.

Can I use my Dependent Care FSA (DCFSA) for medical expenses?

No. Dependent Care FSA (DCFSA) funds are only for eligible childcare expenses.

Will unused FSA funds be refunded?

No. Unused funds are forfeited under IRS rules.

How do I register for 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.

1. Visit the Perks at Work website and select ‘Sign Up for Free’.
2. On the next page, enter your work email address (or personal email if you do not have a Bloomin’ Brands email address).
3. Then, where it asks for the ‘Company Name’, enter Bloomin’ Brands and select ‘Continue’.
4. 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.

Does Bloomin’ Brands offer additional discount programs?

Yes, Bloomin’ Brands offers several discount programs, tuition discounts and much more. Check out all the additional programs on the Benefit Extras & Discounts page.

How do I contact Fidelity and where do I manage my 401(k)?

You can reach Fidelity by calling 1-800-835-5095, between 8:30 a.m. and 8 p.m. ET, Monday through Friday.

Fidelity’s website at netbenefits.com is where you will enroll, manage your 401(k) account, designate and update your beneficiaries for your 401(k) account, and take advantage of numerous tools and educational resources to help with your overall financial wellness and planning.

What are my 401(k) contribution options?

Bloomin’ Brands offers pretax and Roth options. For more information, check out the 401(k) Retirement Savings page.

What if I make too much money to contribute to the 401(k) plan?

If you are considered highly compensated, you may be eligible to enroll in Deferred Compensation (DCP Plan). For more information, check out the DCP Plan page.

What resources are available if I am not eligible for the 401(k) plan?

If you are not eligible for the 401(k) plan, we do have several financial resources available through our EAP vendor, Magellan. Those resources can be found on the Financial Wellness page.