Choose your medical vendor.
Three traditional plans are available through Blue Cross® and Blue Shield® of Minnesota (Blue Cross) and UnitedHealthcare (UHC). Because Best Buy has employees all over the country, we offer both options to ensure you can choose the best care wherever you live. Between Blue Cross and UHC, one vendor will offer a better combination of price and provider network in your area, which will show as your ‘preferred vendor’ when you enroll. If you use the preferred vendor in your location, you will pay less for medical coverage. The other medical vendor is referred to as the alternative vendor. If you choose the alternative vendor, you may pay more. Note: The preferred/alternative references only compare Blue Cross and UHC and do not consider other vendor plans where they may be available.
Blue Cross and UHC may have different paycheck deductions and provider networks; however, they both:
- Cover the same health care services
- Offer behavioral health coverage, including mental health counseling and treatment
- Include prescription drug coverage, 24/7 nurseline services and an HSA (with Health Plan 3 only)
Plan comparison.
| Health Plan 1 | Health Plan 3 | Health Plan 4 | ||||
|---|---|---|---|---|---|---|
|
In network |
Out of network |
In network |
Out of network |
In network |
Out of network |
|
|
Money from Best Buy |
||||||
|
Health Savings Account (HSA) |
N/A |
Best Buy matches your contributions,* up to: $250 You Only; $375 You + Spouse/ Domestic Partner; You + Child(ren) $500 You + Family |
N/A |
|||
|
Deductible |
||||||
|
Individual |
$750 |
Not applicable |
$1,750 |
Not applicable |
$500 |
$1,000 |
|
Family |
$1,500 |
Not applicable |
$3,500 |
Not applicable |
$1,000 |
$2,000 |
|
What You Pay** |
||||||
|
Preventive care (includes well-child and adult) |
0% |
Not covered |
0% |
Not covered |
0% |
Not covered |
|
Doctor office visit |
20% coinsurance after deductible |
Not covered |
30% coinsurance after deductible |
Not covered |
$30 primary copay; $50 specialist copay |
40% coinsurance after deductible |
|
Inpatient/ outpatient hospital stay |
20% coinsurance after deductible |
Not covered |
30% coinsurance after deductible |
Not covered |
10% after deductible |
40% coinsurance after deductible |
|
Emergency |
$200 copay, then 20% after deductible (copay waived if admitted) |
30% coinsurance after deductible |
$200 copay, then 10% after deductible (copay waived if admitted) |
|||
|
Out-of-Pocket Maximum |
||||||
|
Individual |
$3,750 |
Not applicable |
$5,000 |
Not applicable |
$3,500 |
$7,000 |
|
Family |
$7,500 |
Not applicable |
$10,000 |
Not applicable |
$7,000 |
$14,000 |
|
Biweekly (and Annual) paycheck deductions |
||||||
|
You Only |
$76.52 ($1,990 annually) |
$57.57 ($1,497 annually) |
$94.14 ($2,448 annually) |
|||
|
You + Spouse/ |
$239.85 ($6,236 annually) |
$189.40 ($4,924 annually) |
$280.59 ($7,295 annually) |
|||
|
You + Child(ren) |
$181.21 ($4,711 annually) |
$141.87 ($3,689 annually) |
$215.82 ($5,611 annually) |
|||
|
You + Family |
$351.06 ($9,128 annually) |
$270.04 ($7,021 annually) |
$412.06 ($10,714 annually) |
|||
*Best Buy matches every dollar you contribute to your HSA, up to the amounts listed in the chart above. The company’s contributions are provided in each paycheck, up to $9.62 (You Only), $14.42 (You + Spouse/Domestic Partner or You + Child(ren)) or $19.23 (You + Family); these amounts are prorated for new hires. If you are age 65 or older and enrolled in Medicare, federal regulations prohibit you from contributing to an HSA.
**Coinsurance rates are based on allowed amounts. For out-of-network services, you pay charges over the allowed amount, which could be significant and do not apply to the out-of-pocket maximum.
Electing family coverage?
Consider how the deductibles and out-of-pocket maximums work across Health Plans 1, 3 and 4:
- Embedded deductible (Health Plans 1 and 4). Once a family member reaches the individual deductible, coinsurance begins for that person.
- Non-embedded deductible (Health Plan 3). Once the family deductible is met by one or a combination of family members, coinsurance will begin for everyone in the family.
- Embedded out-of-pocket maximum (all three plans). Once a family member reaches the individual out-of-pocket maximum, the plan begins to pay 100 percent of eligible health care expenses for that person for the rest of the year.
Important network details.
With Health Plan 4, you’ll pay less when you use an in-network provider. However, if you choose Health Plan 1 or 3, out-of-network, non-emergency care is NOT covered. Seeing an out-of-network provider would mean you pay the full cost of services and the expenses don’t count toward your deductible or out-of-pocket maximum. Use the Find a Doctor tool on your medical vendor’s website to find a provider near you.
If you choose UHC as your medical vendor, United Health Tier 1 physicians who have been recognized for providing quality and/or cost-efficient care may be available near you. If you use a Tier 1 provider, your coinsurance will be 10 percent lower, or your copays will be $10 less for in-network coverage. Tier 1 physicians are identified with a TIER 1 symbol in the UHC Find a Doctor tool. Some geographies do not have access to these providers, and these physicians are not available for all areas of medicine.
Go mobile.
Download the BlueCrossMN Mobile app or the UnitedHealthcare app for instant access to health information anytime, anywhere. Access a virtual ID card, compare and estimate costs, get claim information and find in-network providers.
BlueCrossMN
UnitedHealthcare
