if your annual base salary is: $75,000 or lessif your annual base salary is: more than $75,000
Employee-Only CoverageOther Coverage LevelsEmployee-Only CoverageOther Coverage Levels
BMC Flat Seed$200 in January and July for a total of $400$0$0
BMC matches your contributions1
Up to $350Up to $1,100Up to $500up to $1,000
BMC will match your HSA contributions each pay period in 2025
Your contribution limitUp to $3,650Up to $7,250Up to $3,900Up to $7,750
Total 2025 Contribution2 allowed by the IRS (yours and BMC's)
$4,400$8,750$4,300$8,750
in-networkout-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 BenefitUnlimitedUnlimited
General Medical Expenses
Primary & Specialist Doctor Office Visit (includes maternity care)85% covered after deductible65% covered after deductible
MDLIVE Physician3
$48Not applicable
Inpatient Hospital Care (requires preauthorization)
Hospitalization4
85% covered after deductible65% covered after deductible
Inpatient Physician and Surgeon Services4
85% covered after deductible65% covered after deductible
Inpatient Lab and X-ray5
85% covered after deductible65% covered after deductible
Maternity and Delivery Services & Newborn Nursery Services6
85% covered after deductible65% covered after deductible
Outpatient Care
Outpatient Surgery85% covered after deductible65% covered after deductible
Outpatient Laboratory Services & X-ray Services5
85% covered after deductible65% covered after deductible
Preventative Care
Annual Physical Exam & Immunizations100% covered per exam (no deductible applies)65% covered after deductible
Well-Baby & Well-Child Exams and Immunizations100% covered per exam (no deductible applies)65% covered after deductible
Well-Woman Exam100% 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 Facility85% covered after deductible85% covered after deductible
Non-Emergency Care in a Hospital Emergency RoomNot CoveredNot Covered
Urgent Medical Care (at a non-hospital free standing facility)85% covered after deductible85% covered after deductible
Chiropractic Services
Spinal Manipulation85% covered after deductible Maximum of 25 visits each calendar year (in-and out-of-network services combined)65% covered after deductible Maximum of 25 visits each calendar year (in-and out-of-network services combined)
Short-Term Rehabilitation Therapy8
Outpatient Physical, Speech, Occupational Therapy85% covered after deductible; 60-visit combined maximum per year65% covered after deductible; 60-visit combined maximum per year
Mental Health, Substance Abuse Care
Mental Health: Inpatient & Outpatient Coverage85% covered after deductible65% covered after deductible
Rehab and Detox: Inpatient & Outpatient Coverage85% covered after deductible65% covered after deductible
Residential Treatment Facility (stays in a residential treatment facility for treatment of mental disorders, alcoholism or drug abuse)85% covered after deductible65% covered after deductible
MDLIVE® Behavioral Therapy$80 to $175 per consultation before deducible depending on provider selected; 85% covered after deductibleNot applicable
Other Benefits
Condition ManagementBCBSTX Condition Management programs offer support for people diagnosed with chronic conditions such as asthma, diabetes, heart problems and others.
Prescription DrugsPrescription Drugs are covered through Prime Therapeutics, an affiliate of BCBSTX.
Health Savings AccountYou 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.