HSA Plan
Good coverage at a lower cost. Allows you to save before-tax dollars to pay for your care.
A high-deductible medical plan with a tax-free Health Savings Account. This medical plan offers you a choice of medical care providers similar to a traditional PPO plan and provides in- and out-of-network benefits. BMC matches employee HSA contributions up to $1,100. The match you receive depends on your annual base salary and who you cover. For employees with an an annual base salary of $75,000 or less, BMC seeds (contributes money to) to their HSAs with $400, $200 in January and $200 in July. Unused money in your HSA rolls over from year to year for you to use for future health expenses. Prescription drug coverage is provided through Prime Therapeutics.
Please note: You are eligible for BMC matching contributions to your HSA if you are actively employed by BMC on the date the company contribution is deposited to your HSA.
The money in your HSA always belongs to you. If you retire or leave BMC, your account goes with you.
You can also make your own before-tax contribution into your HSA account through payroll deductions or with a personal check deposit. The IRS limits total annual contributions (employee and employer) to an HSA; the limit in 2026 for employee-only coverage is $4,400 and $8,750 for all other coverage. If you are age 55 or better at any time during the year, you can contribute an addition $1,000 to your HSA.
If you elect both payroll deductions and would like to make a separate deposit to your HSA, please contact BMC's payroll and benefits team through a MyRequest ticket.
The money in your account is always yours to keep, and it’s up to you to decide whether you want to use your HSA to cover day-to-day health care expenses, as a savings vehicle for the future, or a combination of both.
The HSA can be either an effective way to save for retirement medical expenses or a means to cover the medical and prescription drug deductible and coinsurance today. The choice is yours.
Your HSA Account
When you enroll in the BCBSTX HSA Plan, BMC sets up on your behalf an HSA account through Fidelity. You will receive an HSA welcome kit along with your debit card when the account opening process is complete. Fidelity will need additional information from you in order to open the account (verification of birth date, Social Security number or other information). You will receive notification via email and mail at your home address from Fidelity that additional information is needed. If you do not respond to this request within 60 days, your HSA account will automatically close, and you will be ineligible to make your own contributions or receive company matching contributions or the HSA seed.
Once your account is open, BMC will match your contributions each pay period. If you are eligible for the $400 BMC seed, BMC will deposit $200 in your account in January and $200 in July.
One of the main advantages of the BCBSTX HSA Plan is the opportunity to save any unused dollars in your account. If you don’t spend all the money in your account during the year, the balance rolls over into the next year and is added to any future amount you elect to contribute.
Your HSA will earn interest at competitive money market rates and be credited each month. You can start investing your HSA at any time into a money market sweep account or select mutual funds with no minimum balance required. Complete information about your account, investment options, fees and legal considerations can be found on the Fidelity NetBenefits website.
For more information, read IRS Publication 969—Health Savings Accounts and Other Tax Favored Health Plans.
Eligible Expenses Under Your HSA
You can use your HSA for qualified health-related expenses as allowed by the IRS. Some expenses may not be covered by your health plan but are considered “eligible expenses” for payment with HSA dollars. Some typical examples include:
- Medical deductibles
- Diagnostic services not covered by your plan
- Dental and vision care not covered under an insurance plan
- Braces
- Long-term care premiums
- LASIK eye surgery
- Some nursing services
- Health care supplies
- Certain classes of over-the-counter drugs with a prescription
Easy Access to Your HSA
You will receive a NetBenefits AccessCard card that allows easy access to your HSA funds. You can use the debit card to pay for all legitimate, permitted medical expenses under federal law. The choice of when and how to use the HSA debit card—or not to use it at all and let your HSA funds accumulate—is entirely up to you. You can also track your account balance, transfer funds to your personal checking account, and view deposit activity and interest earnings on the NetBenefits website. If you contribute to a Limited Use FSA, you will use this same debit card to pay out-of-pocket expenses from this account. View your Health Savings Account online at the Fidelity NetBenefits website.
Using the NetBenefits AccessCard
You have the option of using your card as “credit” or with a Personal Identification Number (PIN) if your merchant accepts PIN transactions. To set up a PIN, call 1-833-811-7432 or visit fidelitydebitcard.com. You will be required to provide your card number, ZIP code, and three-digit security code located on the back of your card. After providing the information, you will be asked to select a four-digit PIN of your choice.
HSA Contribution Limits
The amount you're allowed to contribute to your HSA depends on your salary, and the IRS annual contribution limits. BMC will match your contributions up to certain amounts, and the combined total must not exceed the IRS limits. See the table below for a breakdown of the contribution limits.
Employee-Only Coverage | All Other Coverage Levels | |
|---|---|---|
Annual base salary < $75,000 | ||
BMC Flat Seed | $400 annually ($200 in January and July) | $400 annually ($200 in January and July) |
BMC matches your contributions1 HSA contributions are matched each pay period in 2026 | Up to $350 | Up to $1,100 |
Your contribution limit | Up to $3,650 | Up to $7,250 |
Max Contribution2 2026 IRS maximum contribution limit (yours and BMC's) | $4,400 | $8,750 |
Annual base salary > $75,000 | ||
BMC Flat Seed | N/A | N/A |
BMC matches your contributions HSA contributions are matched each pay period in 2026 | Up to $500 | Up to $1,100 |
Your contribution limit | Up to $3,900 | Up to $7,750 |
Max Contribution 2026 IRS maximum contribution limit (yours and BMC's) | $4,400 | $8,750 |
(1) You can change HSA contribution amounts at any time during the year. The new contribution amount is effective the first of the month following your contribution change. (2) New to BMC? Any current year contributions you made to an HSA before joining BMC count toward the IRS annual contribution limits. Please note: You are eligible for BMC’s HSA contribution if you are actively employed by BMC on the date the company contribution is deposited to your HSA. | ||
HSA Plan Details
In-Network | Out-of-Network | |
|---|---|---|
Annual Deductible | $1,850 single $3,700 all other coverage levels | $4,400 single $7,400 all other coverage levels |
Annual Out-of-Pocket Maximum (includes deductible and copays) | $3,700 single $7,400 all other coverage levels | $7,400 single $14,800 all other coverage levels (excludes amounts above usual and customary) |
Lifetime Maximum Benefit | Unlimited | Unlimited |
General Medical Expenses | ||
Primary & Specialist Doctor Office Visit (includes maternity care) | 85% covered after deductible | 65% covered after deductible |
MDLIVE Physician3 | $48 | N/A |
Inpatient Hospital Care (requires preauthorization) | ||
Hospitalization4 | 85% covered after deductible | 65% covered after deductible |
Inpatient Physician and Surgeon Services4 | 85% covered after deductible | 65% covered after deductible |
Inpatient Lab and X-ray5 | 85% covered after deductible | 65% covered after deductible |
Maternity and Delivery Services & Newborn Nursery Services6 | 85% covered after deductible | 65% covered after deductible |
Outpatient Care | ||
Outpatient Surgery | 85% covered after deductible | 65% covered after deductible |
Outpatient Laboratory Services & X-ray Services5 | 85% covered after deductible | 65% covered after deductible |
Preventative Care | ||
Annual Physical Exam & Immunizations | 100% covered per exam (no deductible applies) | 65% covered after deductible |
Well-Baby & Well-Child Exams and Immunizations | 100% covered per exam (no deductible applies) | 65% covered after deductible |
Well-Woman Exam | 100% covered per exam (no deductible applies) | 65% covered after deductible |
Other Preventive Care & Cancer Screenings7 | 100% covered per exam (no deductible applies) | 65% covered after deductible |
Emergency Services | ||
Hospital Emergency Facility | 85% covered after deductible | 85% covered after deductible |
Non-Emergency Care in a Hospital Emergency Room | Not Covered | Not Covered |
Urgent Medical Care (at a non-hospital free standing facility) | 85% covered after deductible | 85% covered after deductible |
Chiropractic Services | ||
Spinal Manipulation Maximum of 25 visits each calendar year (in-and out-of-network services combined) | 85% covered after deductible | 65% covered after deductible |
Short-Term Rehabilitation Therapy8 | ||
Outpatient Physical, Speech, Occupational Therapy 60-visit combined maximum per year | 85% covered after deductible | 65% covered after deductible |
Mental Health, Substance Abuse Care | ||
Mental Health: Inpatient & Outpatient Coverage | 85% covered after deductible | 65% covered after deductible |
Rehab and Detox: Inpatient & Outpatient Coverage | 85% covered after deductible | 65% covered after deductible |
Residential Treatment Facility (stays in a residential treatment facility for treatment of mental disorders, alcoholism or drug abuse) | 85% covered after deductible | 65% covered after deductible |
MDLIVE® Behavioral Therapy | $80 to $175 per consultation before deducible depending on provider selected 85% covered after deductible | N/A |
Other Benefits | ||
Condition Management | BCBSTX Condition Management programs offer support for people diagnosed with chronic conditions such as asthma, diabetes, heart problems and others. | |
Prescription Drugs | Prescription Drugs are covered through Prime Therapeutics, an affiliate of BCBSTX. | |
Health Savings Account | You will have a Health Savings Account opened for you through Fidelity. BMC deposits employer contributions, and you may choose to deposit your own contributions into this account. | |
(3) Your payments to MDLIVE do not count toward the in-network deductible and out-of-pocket maximums for the HSA and PPO medical plans. (4) The plan covers bariatric surgery and some transplants if performed at a Blue Distinction Center. (5) Certain high-tech radiology tests (CT scans and MRIs) require prior authorization except during a medical emergency. Authorization is not required for low resolution diagnostic services, including mammograms, sonograms, and x-rays. (6) Your newborn is automatically covered under the plan for the first 31 days after the date of birth. If you wish to continue coverage for the newborn beyond that date, you must add the child to your medical coverage through the MyBMC Rewards website (select the Life Changes tab) within 31 days after the newborn’s date of birth. (7) Other preventive exams and cancer screenings may have age and time limit restrictions. (8) Additional plan authorization review required after 30 days. | ||