You can choose between two national plans through Blue Cross Blue Shield of Texas (BCBSTX) and an HMO (California only) for 2021:

• Health Savings Account (HSA) Plan – a high deductible health plan with an HSA. If you enroll in this plan and contribute to your HSA, BMC will match your contributions up to certain limits. Learn more here.

• PPO Plan – a Preferred Provider Organization or PPO. Learn more here.

• HMO Plan – a Health Maintenance Organization available in California only. Learn more here.

Both the HSA and PPO medical plan options feature the same national network. When you choose the HSA Plan and contribute to your HSA, BMC contributes to your HSA up to certain limits. You can use your HSA dollars to pay for out-of-pocket expenses or save them to use in the future or during retirement. You can also enroll in a Limited Use Flexible Spending Account.

With the PPO Plan, you can enroll in a Health Care Flexible Spending Account to use before-tax dollars to pay for eligible expenses. Learn more here.

To better understand the premium and out-of-pocket cost differences between the HSA and PPO, please visit MythSmashers. This interactive tool puts HSA Plan myths to the test. See the 2021 premiums for all health plans here.

You can use your BCBSMI coverage until December 31, 2020.

BCBSMI will administer all 2020 claims. Contact BCBSMI at 877-308-0642 or log in to bcbsm.com for assistance.

BCBSTX will mail ID cards to your home address on file in early December. Expect your card around mid-December 2020.

Once you receive your medical ID card, visit bcbstx.com and click on Register Now. You will be asked to enter the information on your medical ID card and create a User ID and password.

We are ensuring everyone will receive cards before January 1, 2021. If you have not received your medical ID card before then, call BCBSTX at 800-521-2227 and request your medical ID number. That way, you can log in to bcbstx.com and print a temporary ID card.

The BCBSTX logo will appear on your card, even if you don’t live in Texas. If you elect employee-only coverage, only your name will appear on the card. If you cover one or more dependents, BCA FAMILY will appear on your card. Please note: You won’t use your medical ID card for prescription drugs. You’ll receive a dedicated prescription drug card. Also, make sure to give your new medical ID number to your medical providers

Download the BCBSTX mobile app for Apple or Android. From there, you can retrieve a temporary ID card to present to your medical provider.  You can also download the UPoint Mobile HR app for Apple or Android. From the app, take a picture of your medical ID card so that it’s at your fingertips when you need it. Please note: UPoint Mobile HR is the app for Alight, BMC’s benefits administrator.

The last 2020 Compuware HSA payroll contribution will be applied to Fidelity HSA accounts between December 31, 2020, and no later than January 4, 2021. This schedule reflects the Friday, January 1 holiday and associated weekend.

To find a provider, you can go here. Before January 1, 2021, click on Search as a Guest, enter your zip code or city and enter Blue Choice PPO BCA for the network. You can also call a Benefits Value Advisor with BCBSTX at 855-721-8013 before January 1, 2021. After January 1, please call the number on the back of your medical ID card.

With the Compuware HSA plan ending, you can keep your HSA with Fidelity and continue to use and grow your account. Or, you can transfer your HSA to BMC’s HSA beginning January 5, 2021. You must be enrolled in the BCBSTX HSA plan for 2021 to transfer your HSA account to BMC.

You won’t pay an account fee to continue your HSA with Fidelity. Early January 2021, Fidelity will seamlessly re-register your HSA as an individual account. Fidelity will send you a new card when your active Fidelity HSA card is due to expire. (see Good Thru date on your Fidelity HSA card).

The BCBSTX network is based on the same BCBSMI national network. If you’d like to verify if your provider is within the BCBSTX network before January 1, 2021, please visit bcbstx.com. Click on Search as a Guest, then enter your zip code or city and type in the network, Blue Choice PPO BCA. You can also call a Benefits Value Advisor with BCBSTX at 855-721-8013 before January 1, 2021. After January 1, please call the number on the back of your ID card.

No, your Fidelity HSA card will not be deactivated. Remember, your Fidelity HSA is your own personal account; only you can deactivate your HSA card. You can continue to use your Fidelity HSA for HSA eligible expenses, including expenses incurred while covered under BMC’s health care plans.

You can call a BCBSTX Benefits Value Advisor at 800-521-2227. Benefits Value Advisors help you:

• ensure your provider is in-network,

• help you compare costs,

• make your appointment for you, and,

• help with prior authorizations if needed.

BMC offers an advocacy benefit called Health Pro through Alight, BMC’s benefits administrator. Health Pro can help you and your covered dependents understand your benefits, verify care coverage, resolve billing errors, transfer medical records, and even schedule health care appointments for you and your dependents. Your personal Health Pro is Brent Brooks. You can reach him at Brent.Brooks@alight.com or 877-262-4849.

Your participation in these programs will continue and transition seamlessly from BCBSMI to BCBSTX. Contact your BMC Benefits team through MyRequests or send an e-mail to bbenefit@bmc.com if you have questions.

No, you do not have to wait 12 months between visits. For example, if you had a physical on December 31, 2020, you can have another physical on January 1, 2021.

Yes, both BCBSTX medical plan options are considered qualified health coverage and are compliant with Michigan’s no-fault law. Your BCBSTX coverage will cover most or all injury costs related to a motor vehicle accident. Call the Customer Service number on the back of your BCBSTX card and ask for a Michigan PIP letter stating you are enrolled in a qualified health plan. BCBSTX can send the letter to your email on file.

Non-emergency care might not be covered if you seek treatment from an out-of-network provider. ER room charges are not covered if the visit is deemed a non-emergency. Consult the BCBS Benefits Booklet on mybmcrewards.com for more information. Remember, there are other avenues for non-emergent medical evaluations, such as using an in-network urgent care center or a virtual visit with MDLIVE.

Yes. Both BCBSTX medical plan options offer access to virtual visits through MDLIVE, an independent company that serves BCBSTX members. To activate your account, have your medical ID card available and visit here.

You can consult with a doctor or therapist via video chat, so you and your family get the convenient care you need from home, work, or on-the-go. Learn more about telehealth here.

Effective January 1, 2021, Express Scripts will manage your retail and home delivery prescription plan for BMC.

Express Scripts Member Services is available 24 hours per day, 7 days per week, and can be reached at 866-577-2523 beginning January 1, 2021.

If you have previously registered on the Express Scripts website before, you will not need to register again. You can use your same user name and password to log in to the website. Your history will transition to your new BMC profile, and you will have the option to view your previous plan and current plan under the Benefits dropdown menu. You will have access to your previous plan claims for two years.

Yes, you will receive a new member ID card for filling prescriptions, separate from your BCBSTX medical ID card. Watch your home mail for a welcome package in December 2020. (Please note that your ID card will cover all your dependents. Separate ID cards for dependents will not be issued.) Beginning January 1, 2021, please show your new member ID card to your pharmacist when filling a prescription for yourself or a covered family member. You’ll also be able to access your member ID card anytime from your mobile device. Download the Express Scripts® mobile app for Apple or Android.

A convenient feature on express-scripts.com allows you to print a temporary member ID card for use at a participating retail pharmacy. The temporary card isn’t intended to replace your member ID card. If you need to order a permanent replacement card, please contact Member Services toll-free at 866-577-2523. Or, starting January 1, 2021, go to express-scripts.com and register.

If you haven’t received your new Express Scripts member ID card by January 1, 2021, request a new card by calling Member Services at 866-577-2523.

The following will help to maximize your prescription plan:

• Use FDA-approved generic drugs whenever possible.

• If you take a brand-name drug that is not on your plan’s preferred drug list (or formulary), ask your doctor if a preferred brand drug or a generic would be right for you.

• Use the Smart90® program for maintenance medications. With it, you have two ways to get up to a 90-day supply of your long-term maintenance medication (those drugs you regularly take for ongoing conditions). You can conveniently fill those prescriptions either through home delivery from Express Scripts Pharmacy or at a retail pharmacy in the Smart90® network.

• Using the Smart90® network, you can fill your 90-day supply at any Walgreens, Duane Reade, or Happy Harry’s retail pharmacy only.

• Use participating local pharmacies to fill your short-term prescriptions. For example, your doctor might prescribe a 15-day medication for an infection. You should always get these types of medicines from a participating local pharmacy. To find a participating local pharmacy, visit express-scripts.com and click on Find a Pharmacy in the menu under Prescriptions.

The Price a Medication tool will help you calculate the estimated cost of a prescription drug. After January 1, 2021, register and log in at express-scripts.com and click on Price a Medication from the menu under Prescriptions.

Note: The Price a Medication tool does not guarantee coverage as covered products or categories are subject to individual plan restrictions and/or limitations. The Price a Medication tool displays cost and coverage information for the current calendar year.

Yes. FDA-approved generic drugs — like brand-name drugs — must meet quality and purity standards established by the U.S. Food and Drug Administration (FDA). These standards help ensure their safety and effectiveness, and generics usually cost less. Generic versions approved by the FDA have the same active ingredients as their brand-name counterparts. They are equal in strength and dosage. Sometimes, drug manufacturers use different inactive ingredients, such as fillers and dyes, which may affect a generic drug’s shape, color, size, or taste.

You may save money by taking generics or preferred brand-name drugs because they usually cost less under your plan than nonpreferred brand-name drugs. Many new generics have become available over the past year. If you’re taking a nonpreferred medicine, ask your doctor if a lower-cost generic or preferred brand drug would be the right option for you.

Beginning January 1, 2021, to find if your medication has a generic equivalent, register and log in at express-scripts.com. Then, choose Price-a-Medication from the drop-down menu under Prescriptions. After you look up a medication’s name, click View coverage notes. Or, contact Member Services at 866-577-2523.

Yes, effective January 1, 2021, your plan’s list of preferred drugs (or formulary) will change. As a result, some preferred medications will be nonpreferred and vice versa. Beginning January 1, 2021, you may register and log in at express-scripts.com to determine the preferred medications. If you are taking a brand-name drug that might become nonpreferred, talk to your doctor about a lower-cost generic or preferred brand drug as an option.  

• Preferred (or formulary) medications cost less than nonpreferred drugs. This list of drugs is determined based on the advice of pharmacists and a group of independent doctors.

• Nonpreferred (or non-formulary) medications are not on the preferred list of drugs and may cost you more.

Your preferred drug list contains thousands of commonly prescribed drugs. See which medications are covered on your 2021 drug list—login to express-scripts.com after January 1, 2021, and select Price a Medication from the drop-down menu under Prescriptions. Enter your drug’s name and follow the instructions. Cost and coverage information will be shown on the results page. If your medicine is not preferred, talk with your doctor to identify an appropriate alternative that will effectively treat your condition.

Suppose you have remaining refills with your current home delivery pharmacy. In that case, you will not need to get a new prescription. Your remaining home delivery refills should transfer automatically to Express Scripts Pharmacy. Once the refills have been transferred to Express Scripts (shortly after January 1, 2021), you’ll be able to refill these prescriptions online, by phone, or by mail.

If you need a refill before January 1, 2021, please refill your prescription through your current home delivery pharmacy. If you find that any remaining refills have not been transferred to Express Scripts Pharmacy after January 1, 2021, please call Member Services at 866-577-2523.

Prescriptions for controlled substances, compound drugs, and expired medicines won’t transfer to Express Scripts. You must get a new prescription from your doctor. For most covered medications, including controlled substances, you can do this in one of two ways:

• Have the doctor send the prescription electronically to Express Scripts Home Delivery using e-prescribing (the fastest method).

• Submit the prescription using a home delivery order form found at express-scripts.com. Log in and select Forms from the menu under Benefits.

For compound drugs, you must use a participating retail pharmacy. Express Scripts Pharmacy does not dispense compounded medications.

Express Scripts Pharmacy is a home delivery service available as part of your BMC prescription plan, effective January 1, 2021. With Express Scripts home delivery, you could save when you fill up to a 90-day supply of your long-term prescriptions. If you do not have any remaining refills, please contact your doctor to request a 30-day supply and a home delivery prescription to remit to Express Scripts. Please note you can fill a 30-day supply of maintenance medication through retail network pharmacies up to three times.  Beginning with the fourth refill, you’ll be charged the entire cost of the drug if you continue to fill at a retail pharmacy.

To get started using Express Scripts Pharmacy for medications you take on an ongoing basis, ask your doctor to write prescriptions for up to a 90-day supply, plus refills for up to 1 year (as appropriate). After January 1, 2021, to fill the medications, you may:

• Have the doctor send the prescription electronically to Express Scripts Home Delivery using e-prescribing (the fastest method) or fax. Your doctor can call 888-327-9791 for faxing instructions.

• Ask your doctor to fax your prescription(s) to Express Scripts (applies to all medications except Schedule II controlled substances).

• Mail your prescription(s) along with the required cost-share and a completed order form. Order forms can be found at express-scripts.com or by calling Member Services.

• Call Express Scripts Member Services toll free at 866-577-2523. You will need to have your member ID number handy when you call.

Once you’ve placed your first order, you can register or log in at express-scripts.com or on the Express Scripts® mobile app to request your prescription refills and renewals.

Medications are shipped via standard service at no cost to you. Express shipping is also available for an additional fee.

Please allow 8 business days from the day you mail in your prescription. Then, orders are usually processed and sent within 48 hours of receipt. After January 1, 2021, you can check on the status of your order by logging in at express-scripts.com. Or, you can call Member Services at 866-577-2523 and use the automated system. If you’re a first-time visitor to the website, take a moment to register with your member ID number.

You can pay by credit or debit card, electronic checking, money order, Masterpass™, or PayPal®. If you prefer to use a credit card, you have the option of using the Express Scripts automatic payment program. Please note: if you currently use a credit card for your home delivery prescriptions, you’ll need to provide your credit card information when you order. This information can’t be transferred from your previous prescription plan

When you use electronic checking, your copayments are conveniently deducted from your checking account. The deducted amount will be noted in the prescription information that accompanies your order.

You can also provide your payment preference by logging in at express-scripts.com and selecting Payment Methods from the menu under Account. Then click Edit information to input your payment information.

Some prescription drugs are called “specialty medications.” Specialty medications treat complex, chronic health conditions, such as multiple sclerosis or rheumatoid arthritis. These medications usually have to be stored or handled in particular ways.

Ask your doctor for a new prescription. Provide your doctor with your Express Scripts member ID number (shown on the member ID card). Your doctor can either call or fax your prescription to Accredo on or after January 1, 2021. Please know, only your doctor can fax prescriptions. An Accredo patient-care representative will work with your doctor to help make the transition smooth for you. They will call you back to arrange your medications’ delivery on a convenient day for you.

No. Accredo is part of your prescription plan.

No. Accredo dispenses only specialty medications.

BMC uses coverage management programs to help ensure you receive the prescription drugs you need at a reasonable cost. Coverage management programs include prior authorization, step therapy, and quantity management. Each program is administered by Express Scripts to determine whether your use of certain medications meets your plan’s coverage conditions. In some cases, a coverage review may be necessary to determine whether a prescription can be covered under your plan. Read more about the management programs here.

On or after January 1, 2021, if your prescription requires prior authorization, you or your doctor can initiate the prior authorization review by calling Member Services at 866-577-2523. Express Scripts will inform you and your doctor in writing of the coverage decision.

Unless they have recently expired, your prior authorization (PA) records will be entered into the Express Scripts system. If the PA is no longer valid, your doctor can submit a request for a new PA to Express Scripts.

Yes, starting January 1, 2021, you can register and log in at express-scripts.com and click on the Price a Medication feature under Prescriptions. After you look up a medication name, click View coverage notes. Or, you can call Member Services at 866-577-2523 on or after January 1, 2021.

Drug Quantity Management (DQM) is a program in your prescription plan designed to make the use of prescription drugs that are safer and more affordable. It provides you with medications you need for your good health while ensuring you receive them in quantity considered safe.

Certain medications are included in this program. For these medications, you can receive an amount to last you a certain number of days; for instance, the program could provide a maximum of 30 pills for a medication you take once a day. According to FDA guidelines, this gives you the right amount to take the daily dose considered safe and effective, according to FDA guidelines.

SaveonSP is a co-pay assistance program to help employees and their covered dependents save on the costs of some specialty prescriptions. The program is designed to make these specialty prescriptions accessible, affordable and provide additional customer service and clinical support.

The current list of specialty drugs impacted by this change is available here. (Double click on the list to expand it.)  Most BMC employees and covered dependents who are enrolled in our medical/prescription drug plan will not be impacted by this change; they are not taking prescription drugs that fall into the select group of specialty drugs that qualify for the SaveonSP program.

Employees who are newly prescribed one of these specialty drugs will be identified by Accredo when they first attempt to fill the prescription and directed to SaveonSP to enroll in the program.

Beginning January 1, 2021, you can log in and register at express-scripts.com. You will be asked to provide your member ID number and e-mail address.

Beginning January 1, 2021, on express-scripts.com, you can…

• Get information about your plan.

• Find participating retail pharmacies near you.

• See how much certain medications will cost.

• Check the order status.

• Refill and renew home delivery prescriptions.

• Receive timely medication alerts.

• Find available lower-cost medication options.

• Ask questions of a pharmacist online.

Visit your mobile device app store, search for “Express Scripts,” and download it for free. Register or log in using the same user name and password you created if you already registered via express-scripts.com.

Beginning January 1, 2021, you can use the app to view your medications and set reminders for when to take them or to notify you when you are running low. You can also use the app to:

• Get personalized alerts.

• Check for lower-cost prescription options available under your plan.

• Display a virtual member ID card that you can present at the pharmacy.

Express Scripts has a strong commitment to your privacy. Express Scripts has established administrative and technical safeguards to protect the confidentiality of your prescriptions and other information and to secure this information from unauthorized or improper access, disclosure, or use. Also, Express Scripts does not sell individually identifiable information nor lists of members and their covered dependents to outside companies for solicitation or marketing purposes.