Medical plans
What is the Healthy Savings Plan?
Lower contributions, a higher deductible, and access to an HSA.
Healthy Savings Plan Basics
- Preventive care is covered 100%, no cost to you.
- One deductible and OOP maximum shared by you and your dependents.
- Once the deductible is met, you pay a coinsurance until meeting the OOP max.
- Great for individuals and families that don't expect many medical costs.
Open Enrollment: choose and use coverage
- 1
Compare both medical plans and your own enrollment rates.
- 2
In Oracle, open Benefits and select Make Changes.
- 3
Verify dependents. One BCBS card covers medical and prescriptions; verified dependents receive their own cards.
- 4
After your card arrives, register on the BCBS portal to find providers and view claims.
Deductible and most you pay
Healthy Savings Plan
Deductible
$2,500just you
$5,000family
You pay 100% of medical and prescription costs until you reach it.
Most you pay in a year (out-of-pocket maximum)
$5,000just you
$10,000family, or $7,900 for any one person
Medical and prescriptions together.
You may choose
A Health Savings Account (HSA) and a Limited Purpose FSA.
Non-preventive care
20%you pay; the plan pays 80% after deductible is met
Emergency room
$300copay plus deductible, you pay 20%
Prescriptions
20%you pay; the plan pays 80% after deductible is met
Both plans
Once you reach your out-of-pocket maximum
The plan pays for the rest. Out of network may cost more.
100%
How are my prescriptions covered?
Check your medication, your plan’s cost share, and any approval.
More about this benefit
Your medical plan determines your share
Prescription coverage is included with your medical plan. Costs depend on the medical option and whether the drug is generic, formulary brand or non-formulary brand.
A cost that does not count toward the maximum
Copayments for the difference between a brand-name product and its generic equivalent do not count toward the out-of-pocket maximum.
Check before you fill
- 1
Review covered medications in the MyPrime formulary.
- 2
Compare local pharmacy prices, generic options and home delivery.
- 3
Ask your physician to complete any required prior authorization, step therapy or quantity-limit form.
What the approval terms mean
- 1
Prior authorization: certain medications need approval.
- 2
Step therapy: another clinically appropriate or lower-cost medication may need to be tried first.
- 3
Quantity limit: a dose outside recommendations may require additional explanation.
Next step
Use MyPrime to check the formulary, compare prices or find approval forms.
Where should I go for care?
Online care is the easiest place to start, and Doctor On Demand video visits are free to enrolled members and covered dependents. The $ signs show relative cost, not prices.
Where you can get care
- Online care$Common health concerns
- Retail clinic$Common illnesses in convenient retail locations
- Physician’s office$$Routine and other services during regular hours
- Urgent care$$$Office-type concerns outside regular hours
- Emergency room$$$$The most serious or life-threatening conditions
At a glance
Preventive care
Covered in-network care: $0
Emergencies
Serious / life-threatening
What comes out of your paycheck, per week
Healthy Savings Plan · per week
| Coverage | Tier 1 | Tier 2 | Tier 3 |
|---|---|---|---|
| Just you | $24 | $32 | $38 |
| You + children | $33 | $47 | $58 |
| Family | $53 | $78 | $96 |
Healthy Savings Plan · per week
| Coverage | Per week |
|---|---|
| Just you | $24 |
| You + children | $33 |
| Family | $53 |
Tobacco/nicotine use adds a surcharge: see Will I pay the tobacco/nicotine surcharge?
Do this
Pick one in Oracle by 5 p.m. Central Time on November 16, 2026.
More about this benefit
What is included
Medical and prescription coverage share one deductible and out-of-pocket maximum. The plan uses the Blue Cross Blue Shield network. Covered in-network preventive care is paid at 100%. An HSA and LPFSA are available, subject to their eligibility rules.
Who can be covered
You and eligible dependents, including eligible children up to age 26. Dependent documentation must be received and approved before coverage is sent to the carriers.
What the ceiling does not include
Your contributions, balance-billed charges and care the plan does not cover are not included in the out-of-pocket maximum. Out-of-network care may cost more.
Next step
Compare the deductible and weekly contribution before choosing your medical plan.
Who to call
Questions? Horizon Solution Center · (866) 449-7712
Documents
Medical
- Doctor on Demand FlyerPDF: the document stays in its original language.
- Blue Care Advisor AppPDF: the document stays in its original language.