Medical Coverage
Your Cost & Coverage Options for Medical InsuranceAlready enrolled in a Bloomin’ Brands UHC medical plan for 2027? Click here to access your member resources and programs.
Choosing & Using Your Medical Plan
Benefits-eligible Team Members have a choice of three medical insurance plans administered by UnitedHealthcare (UHC).
- Use the information in the next section – “Plan Options, Costs & Coverage” – to compare your medical coverage options and what you would pay for each plan.
- Make sure to also review your pharmacy benefits for detailed information about prescription drug costs and coverage.
- Browse the UHC pre-enrollment website for further guidance.
- If applicable, learn how to use your health savings account (HSA) or flexible spending account (FSA).
Search for Medical Providers
Find in-network doctors, specialists, hospitals, and other medical providers through the Choice Plus network.
Search for Mental Health Providers
Find in-network psychologists, psychiatrists, therapists, and counselors using UHC’s behavioral health provider search.
Contact UHC
UnitedHealthcare (UHC)
Medical
(Transitioning from BCBSFL/Florida Blue)
Contact Information
Phone: (Toll-Free) 844-756-0689
Helpful Links
Make sure to use the Choice Plus network when searching for providers.
Help! My doctor is not in-network with UHC.
If you currently receive treatment from a provider who is not in-network with UHC, you may need to submit a Transition of Care request form to continue with the same provider.
Plan Options, Costs & Coverage
There are three UHC medical plan options for you to choose from: the Choice PPO, the Value PPO, and the Choice HSA.
No Referrals Needed
You can see any doctor or specialist, or use any hospital in the UHC network: no referrals are required and you don’t need to choose a primary care physician (PCP).
Save by Using In-Network Providers
When you receive care from a provider outside of the UHC network, you are covered by insurance, but your costs will be higher.
Preventive Care is Covered 100%
Eligible office visits, screenings, contraceptives, labs, and preventive medications are covered 100% with in-network providers.
Plans at a Glance
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Value PPO & Choice PPO
The Value PPO and Choice PPO medical plan options have set copays for office visits and some prescription drugs.
Who can enroll? All benefits-eligible employees will be able to enroll.
Deductibles:
- The Value PPO plan has a $7,550 deductible for individual coverage or a $15,100 deductible for family coverage.
- The Choice PPO plan has a $4,500 deductible per person with a $9,000 family maximum.
FSAs and HSAs: If you choose the Value PPO plan or the Choice PPO plan, you will be able to set aside pretax dollars in the Health Care Flexible Spending Account (FSA) to help pay for eligible expenses.
What you’ll pay: Your per-paycheck deduction will depend on your salary and the medical plan you choose.
Choice HSA
In addition to the new Value PPO and Choice PPO plans, you’ll have the option to enroll the Choice HSA plan.
Who can enroll? All benefits-eligible employees will be able to enroll.
Deductible: The Choice HSA plan has a $5,000 deductible for individual coverage or a $10,000 deductible for family coverage.
FSAs and HSAs: The Choice HSA plan still has a Health Savings Account (HSA) available.
What you’ll pay: Your per-paycheck deduction will depend on your salary and the medical plan you choose.
Wellness Premium Discount
Your per-paycheck deduction will depend on your salary, the medical plan you choose, and whether or not you and your covered spouse completed the wellness program requirements in 2026 to earn a premium discount.
- If you only cover yourself, the wellness premium discount is $17.31 per paycheck.
- If you cover a spouse and they also completed the wellness program requirements, you are eligible for an additional $17.31 biweekly discount.
For more information about this program, follow this link: Wellness & Health Rewards Program.
Detailed plan information is in the next section. Make sure to review the plan comparison and rate charts for a comprehensive look at cost and coverage information for the 2027 plan year.
Find Quality Doctors & Save on Expenses
Bloomin’ Brands partners with Garner Top Providers to help you find high quality doctors and lower your out-of-pocket medical costs.
Maximize Your Medicare Choices
Eligible for Medicare? Want to compare plans and costs? Allsup Benefits Coordination (ABC) Services can help!
2027 Medical Plan Coverage Comparison
| Value PPO | Choice PPO | Choice HSA | |
|---|---|---|---|
| Calendar Year Deductibles1 | |||
| Individual Coverage | $7,550 individual | $4,500 individual | $5,000 individual |
| Family Coverage | $15,100 family | $9,000 family | $10,000 family |
| Calendar Year Out-of-Pocket Maximums1 | |||
| Individual Coverage | $8,500 individual | $7,000 individual | $7,500 individual2 |
| Family Coverage | $17,000 family | $14,000 family | $15,000 family2 |
| What You Pay for In-Network Care | |||
| Wellness, Preventive Care & Labs | Eligible office visits, screenings, contraceptives, labs, and preventive medications are covered in full by all plans. | ||
| Primary Care Office Visit | $30 copay | $25 copay | 20% after deductible |
| Specialist Office Visit | $70 copay | $50 copay | 20% after deductible |
| Urgent Care | 20% after deductible | $60 copay | 20% after deductible |
| Emergency Room | 20% after deductible | $350 copay | $300 copay after deductible |
| Most Other Services | 20% after deductible | 20% after deductible | 20% after deductible |
| What You Pay for Pharmacy Services | |||
| Generic Prescription Drugs: 30-Day Supply | $10 copay | $10 copay | 20% after deductible |
| Preferred Brand Prescription Drugs: 30-Day Supply | 20% after deductible | $30 copay | 20% after deductible |
| Non-Preferred Brand Prescription Drugs: 30-Day Supply | 40% after deductible | $50 copay | 40% after deductible |
| Generic Maintenance Medications: 90-Day Supply | $10 copay | $25 copay | 20% after deductible |
| Preferred Brand Maintenance Medications: 90-Day Supply | 20% after deductible | $75 copay | 20% after deductible |
| Non-Preferred Brand Maintenance Medications: 90-Day Supply | 40% after deductible | $125 copay | 40% after deductible |
2 For family coverage, the choice HSA calendar year out-of-pocket maximum is $12,000 per person with a $15,000 family maximum.
| Value PPO | Choice PPO | Choice HSA | |
|---|---|---|---|
| Deducibles del año calendario1 | |||
| Cobertura individual | $7,550 individual | $4,500 individual | $5,000 individual |
| Cobertura familiar | $15,100 familia | $9,000 familia | $10,000 familia |
| Máximos de desembolso personal por año calendario1 | |||
| Cobertura individual | $8,500 individual | $7,000 individual | $7,500 individual2 |
| Cobertura familiar | $17,000 familia | $14,000 familia | $15,000 familia2 |
| Lo que paga por la atención dentro de la red | |||
| Bienestar, atención preventiva y laboratorios | Eligible office visits, screenings, contraceptives, labs, and preventive medications are covered in full by all plans. | ||
| Visita al consultorio de atención primaria | copago de $30 | copago de $25 | 20% después del deducible |
| Visita al especialista | copago de $70 | copago de $50 | 20% después del deducible |
| Atención de urgencias | 20% después del deducible | copago de $60 | 20% después del deducible |
| Sala de emergencia | 20% después del deducible | copago de $350 | $300 copay after deductible |
| La mayoría de los demás servicios | 20% después del deducible | 20% después del deducible | 20% después del deducible |
| Lo que pagas por los servicios de farmacia | |||
| Medicamentos genéricos con receta: suministro para 30 días | copago de $10 | copago de $10 | 20% después del deducible |
| Medicamentos recetados de marca preferida: suministro para 30 días | 20% después del deducible | copago de $30 | 20% después del deducible |
| Medicamentos recetados de marca no preferida: suministro para 30 días | 40% después del deducible | copago de $50 | 40% después del deducible |
| Medicamentos genéricos de mantenimiento: suministro para 90 días | copago de $10 | copago de $25 | 20% después del deducible |
| Medicamentos de mantenimiento de marca preferida: suministro para 90 días | 20% después del deducible | copago de $75 | 20% después del deducible |
| Medicamentos de mantenimiento de marcas no preferidas: suministro para 90 días | 40% después del deducible | copago de $125 | 40% después del deducible |
2 Para la cobertura familiar, el máximo de gastos de bolsillo del plan HSA Choice para el año calendario es de $12,000 por persona, con un máximo familiar de $15,000.
2027 Medical Plan Costs Per Paycheck
| Value PPO | Choice PPO | Choice HSA | |
|---|---|---|---|
| Annual salary less than $45,000 | |||
| You | $50.40 | $79.92 | $72.65 |
| You + Spouse | $126.37 | $192.86 | $175.32 |
| You + Child(ren) | $102.31 | $159.05 | $144.60 |
| Family | $173.11 | $263.84 | $239.85 |
| Annual salary $45,000 to $150,000 | |||
| You | $82.61 | $116.49 | $105.90 |
| You + Spouse | $203.64 | $280.39 | $254.90 |
| You + Child(ren) | $164.86 | $230.04 | $209.13 |
| Family | $279.94 | $384.82 | $349.84 |
| Annual salary more than $150,000 | |||
| You | $91.59 | $127.53 | $115.94 |
| You + Spouse | $225.52 | $306.99 | $279.08 |
| You + Child(ren) | $182.70 | $251.87 | $228.97 |
| Family | $310.00 | $421.34 | $383.04 |
| Value PPO | Choice PPO | Choice HSA | |
|---|---|---|---|
| Salario anual inferior a $45,000 | |||
| Usted | $50.40 | $79.92 | $72.65 |
| Usted + Cónyuge | $126.37 | $192.86 | $175.32 |
| Usted + Hijo(s) | $102.31 | $159.05 | $144.60 |
| Familia | $173.11 | $263.84 | $239.85 |
| Salario anual de $45,000 a $150,000 | |||
| Usted | $82.61 | $116.49 | $105.90 |
| Usted + Cónyuge | $203.64 | $280.39 | $254.90 |
| Usted + Hijo(s) | $164.86 | $230.04 | $209.13 |
| Familia | $279.94 | $384.82 | $349.84 |
| Salario anual superior a $150,000 | |||
| Usted | $91.59 | $127.53 | $115.94 |
| Usted + Cónyuge | $225.52 | $306.99 | $279.08 |
| Usted + Hijo(s) | $182.70 | $251.87 | $228.97 |
| Familia | $310.00 | $421.34 | $383.04 |
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.
For information about aggregate vs. embedded deductibles, please refer to this document: Deductible Differences Explained.
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.
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.
Our Medical Insurance Provider
You may see our medical insurance provider referred to as Blue Cross and Blue Shield of Florida, BCBSFL, or Florida Blue. These names are interchangeable and all refer to the same provider.
Discontinued Plans for 2026
If your 2025 medical plan was the Choice HRA, Value HRA, or Value HSA and you did not take action to change your election during Open Enrollment, you were automatically moved into the available plan that most closely aligned with your 2025 election, as follows:
- Choice HRA → Value PPO
- Value HRA → Value PPO
- Value HSA → Choice HSA
Medical Insurance
Benefits-eligible Team Members have a choice of three medical insurance plans administered by Blue Cross and Blue Shield of Florida, also known as BCBSFL or Florida Blue.
Geting Started
- First, use the information below to compare the coverage offered and what you would pay for each plan. For pharmacy coverage, visit the Pharmacy Benefits page.
- Then, learn how you can use your medical plan and, if applicable, your health savings account (HSA) or flexible spending account (FSA).
- Once you’re a member, activate your account in My Health Toolkit to take advantage of services, programs, and resources from BCBSFL.
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Activate Your My Health Toolkit Account
After you’ve enrolled in a BCBSFL medical plan, your My Health Toolkit account so that you have easy access to your member ID card, plan coverage details, in-network care locator, and claims.
Find an In-Network Doctor
You can use the Find Care section of your My Health Toolkit account to find a provider that is covered by your plan.
Blue Cross & Blue Shield of Florida (BCBSFL) or Florida Blue
Medical
Contact Information
Phone: 1-833-578-1132
Plan Options, Costs & Coverage
There are three BCBSFL medical plan options for you to choose from: the Choice PPO, the Value PPO, and the Choice HSA.
- Under all plans, you can see any doctor (including specialists) or use any hospital in the network: no referrals are required and you don’t need to choose a primary care physician (PCP).
- When you receive care outside of the network, you are covered by insurance, but your costs will be higher.
- Preventive care is covered 100% with in-network providers.
Plan highlights are outlined below. If you are enrolling for the first time, make sure to review the plan comparison and rate charts in the next section for detailed cost and coverage information for the 2026 plan year.
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Value PPO & Choice PPO
The Value PPO and Choice PPO medical plan options have set copays for office visits and some prescription drugs.
Who can enroll? All benefits-eligible employees will be able to enroll.
Deductibles:
- The Value PPO plan has a $6,550 deductible for individual coverage or a $13,100 deductible for family coverage.
- The Choice PPO plan has a $3,500 deductible per person with a $7,000 family maximum.
FSAs and HSAs: If you choose the Value PPO plan or the Choice PPO plan, you will be able to set aside pretax dollars in the Health Care Flexible Spending Account (FSA) to help pay for eligible expenses.
What you’ll pay: Your per-paycheck deduction will depend on your salary and the medical plan you choose.
Choice HSA
In addition to the new Value PPO and Choice PPO plans, you’ll have the option to enroll the Choice HSA plan.
Who can enroll? All benefits-eligible employees will be able to enroll.
Deductible: The Choice HSA plan has a $4,000 deductible for individual coverage or a $8,000 deductible for family coverage.
FSAs and HSAs: The Choice HSA plan still has a Health Savings Account (HSA) available.
What you’ll pay: Your per-paycheck deduction will depend on your salary and the medical plan you choose.
Wellness Premium Discount
Your per-paycheck deduction will depend on your salary, the medical plan you choose, and whether or not you and your covered spouse completed the wellness program requirements in 2025 to earn a premium discount.
- If you only cover yourself, the wellness premium discount is $17.31 per paycheck.
- If you cover a spouse and they also completed the wellness program requirements, you are eligible for an additional $17.31 biweekly discount.
For more information about this program, follow this link: Wellness & Health Rewards Program.
Maximize Your Medicare Choices
Eligible for Medicare? Want to compare plans and costs? Allsup Benefits Coordination (ABC) Services can help!
2026 Medical Plan Coverage Comparison
| Value PPO | Choice PPO | Choice HSA | |
|---|---|---|---|
| Calendar Year Deductibles1 | |||
| Individual Coverage | $6,550 individual | $3,500 per person | $4,000 individual |
| Family Coverage | $13,100 family | $7,000 family | $8,000 family |
| Calendar Year Out-of-Pocket Maximums1 | |||
| Individual Coverage | $7,500 per person | $6,000 per person | $6,500 individual2 |
| Family Coverage | $15,000 family | $12,000 family | $13,000 family2 |
| What You Pay for In-Network Care | |||
| Wellness, Preventive Care & Labs | Eligible office visits, screenings, contraceptives, labs, and preventive medications are covered in full by all plans. | ||
| Primary Care Office Visit | $30 copay | $25 copay | 20% after deductible |
| Specialist Office Visit | $70 copay | $50 copay | 20% after deductible |
| Teladoc General Visit | $30 copay | $25 copay | $65 or less |
| Teladoc Dermatology Visit | $70 copay | $25 copay | $85 or less |
| Teladoc Therapist/Psychologist Visit | $70 copay | $50 copay | $90 or less |
| Teladoc Psychiatrist Visit | $70 copay | $50 copay | $220 or less initial visit; $100 or less ongoing visit |
| Urgent Care | 20% after deductible | $60 copay | 20% after deductible |
| Emergency Room | 20% after deductible | $350 copay | $300 copay after deductible |
| Most Other Services | 20% after deductible | 20% after deductible | 20% after deductible |
| What You Pay for Pharmacy Services | |||
| Generic Prescription Drugs: 30-Day Supply | $10 copay | $10 copay | 20% after deductible |
| Preferred Brand Prescription Drugs: 30-Day Supply | 20% after deductible | $30 copay | 20% after deductible |
| Non-Preferred Brand Prescription Drugs: 30-Day Supply | 40% after deductible | $50 copay | 40% after deductible |
| Generic Maintenance Medications: 90-Day Supply | $10 copay | $25 copay | 20% after deductible |
| Preferred Brand Maintenance Medications: 90-Day Supply | 20% after deductible | $75 copay | 20% after deductible |
| Non-Preferred Brand Maintenance Medications: 90-Day Supply | 40% after deductible | $125 copay | 40% after deductible |
2 For family coverage, the Choice HSA calendar year out-of-pocket maximum is $10,600 per person with a $13,000 family maximum.
2026 Medical Plan Costs Per Paycheck
| Value PPO | Choice PPO | Choice HSA | |
|---|---|---|---|
| Annual salary less than $45,000 | |||
| You | $48.00 | $76.11 | $69.19 |
| You + Spouse | $120.36 | $183.67 | $166.98 |
| You + Child(ren) | $97.44 | $151.48 | $137.71 |
| Family | $164.87 | $251.28 | $228.43 |
| Annual salary $45,000 to $150,000 | |||
| You | $78.67 | $110.94 | $100.86 |
| You + Spouse | $193.95 | $267.04 | $242.76 |
| You + Child(ren) | $157.01 | $219.09 | $199.17 |
| Family | $266.61 | $366.49 | $333.18 |
| Annual salary more than $150,000 | |||
| You | $87.23 | $121.46 | $110.42 |
| You + Spouse | $214.78 | $292.38 | $265.80 |
| You + Child(ren) | $174.00 | $239.88 | $218.07 |
| Family | $295.23 | $401.28 | $364.80 |
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.
For information about aggregate vs. embedded deductibles, please refer to this document: Deductible Differences Explained.
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.
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.