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Medical overview.

We are excited to offer you choice and flexibility when it comes to your health care. Compare the plans and make a confident decision for you and those you care about.

2022
benefits guide.

Focused on your well-being.

Support for you and your loved ones.

Select your employment category:

Full-time
Part-time or Seasonal
Best Buy
Best Buy Health
Eligible for medical
Not eligible for medical
Learn More

To see the health plans available for you, select the state you live in:

Minnesota

Your health plan options for 2022.

Minnesota residents can choose from five health plans. All plans cover the same health care services but differ in how much you pay through paycheck deductions, how much you pay when you need care, and provider networks (doctors, hospitals and other providers who contract to deliver care, typically for less than their usual fees). 

Choose from:

  • Health Plans 1, 3 and 4 through your choice of Blue Cross® and Blue Shield® of Minnesota or UnitedHealthcare (UHC). These are traditional health plans where you must meet a deductible, then pay a portion of the costs (coinsurance) until you reach the out-of-pocket maximum, at which point you pay nothing for eligible in-network care. 
  • Two health plans through Bind. Bind 1 and Bind 2 are innovative health plans with no deductible, meaning the plan begins to pay immediately for eligible expenses. Instead of coinsurance, you pay a flat price that you can see before you get care, until you reach the out-of-pocket maximum, at which point you pay nothing for eligible in-network care.

How the plans compare.

As you weigh your options, you may want to consider:

  • Would you rather pay more from each paycheck and less when you need care, or vice versa?
  • Do you expect high health care or prescription drug costs in 2022?
  • Is building a tax-free account through an HSA important to you?
  • Would you like to know exactly what you’ll pay before getting care?
  • Is your preferred doctor or therapist in-network?

A detailed comparison is shown below. Refer to the Blue Cross and UHC and Bind plan pages for more specifics on these options.  

Health Plan 1 Health Plan 3 (HSA) Health Plan 4 Bind 1 Bind 2
How the plans work when you use in-network care

Deductible
What you pay out of pocket before the plan begins to pay

Individual $750
Family $1,500

Individual $1,750
Family $3,500

Individual $500
Family $1,000

No deductible

No deductible

Coinsurance
What you pay after meeting your deductible

20% after deductible for most services

30% after deductible for most services

10% after deductible for inpatient hospital and outpatient

No coinsurance

No coinsurance

Copays/prices
Flat dollar amount you pay for service

Copay for emergency room only*

No copays

Copays for some services

Prices vary and apply for all services

Prices vary and apply for all services

HSA
Account that lets you save for health care expenses with tax-free dollars

No HSA

Includes an HSA to which you can contribute and receive a Best Buy match

No HSA

No HSA

No HSA

Preventive care

$0 when you use in-network providers

Doctor office visit

20% coinsurance after deductible

30% coinsurance after deductible

$30 primary copay; $50 specialist copay

Price examples:** $15 virtual; $65 primary; $130 specialist

Price examples:** $10 virtual; $30 primary; $60 specialist

Inpatient/ outpatient hospital stay

20% coinsurance after deductible

30% coinsurance after deductible

10% after deductible

Price examples:**
$1,500 outpatient
$2,400 inpatient

Price examples:**
$650 outpatient
$1,000 inpatient

Emergency room

$200 copay (waived if admitted), then 20% coinsurance after deductible

30% coinsurance after deductible

$200 copay (waived if admitted), then 10% coinsurance after deductible

$950

$450

Out-of-pocket maximum
The most you’ll pay for health care in a year

Individual $3,750
Family $7,500

Individual $5,000
Family $10,000

Individual $3,500
Family $7,000

Individual $5,500
Family $11,000

Individual $4,000
Family $8,000

Biweekly premiums

You Only

$76.52

$57.57

$94.14

$56.52

$92.43

You + Spouse/ Domestic Partner

$239.85

$189.40

$280.59

$185.96

$277.57

You + Child(ren)

$181.21

$141.87

$215.82

$139.29

$213.60

You + Family

$351.06

$270.04

$412.06

$265.14

$404.58

*Deductible and coinsurance also apply.
**Prices shown indicate the most common amount. Prices vary; you may pay less or more, depending upon where you choose to receive care, the specific service, and which doctor you see.

Key terms.

Review these terms to help you understand your medical coverage.

Term Definition

Coinsurance

The percent of health care costs you pay after meeting your deductible*

Copay

A flat dollar amount you pay for a covered health care service—your health plan pays the rest; (referred to as price in the Bind plans for MN)

Deductible

The amount you pay before your plan begins to pay for eligible health care expenses*

Out-of-pocket maximum

The most you’ll pay for health care in a year—once you reach the maximum, you pay $0 for eligible health care expenses

Preventive care

Health care services that prevent illnesses or diseases, such as annual check-ups, screenings and immunizations

Provider network

A group of doctors, hospitals and other providers contracted to provide health care services to participants, typically for less than their usual fees; if a provider is in-network, you will typically save on out-of-pocket expenses

Service

Specific care or treatment you receive from a provider, such as preventive care, diagnostic tests, doctor visits, hospital stays, etc.

*Bind health plans have no deductibles and no coinsurance.

All other states

Your health plan options for 2022.

You can choose from three health plans (Health Plans 1, 3 and 4) through two medical vendors, Blue Cross® and Blue Shield® of Minnesota (Blue Cross) or UnitedHealthcare (UHC). These are traditional health plans where you must meet a deductible, then pay a portion of the costs (coinsurance) until you reach the out-of-pocket maximum, at which point you pay nothing for eligible in-network care.

All plans cover the same health care services but differ in how much you pay through paycheck deductions, how much you pay when you need care and in the plan’s provider networks (doctors, hospitals and other providers who contract to deliver care, typically for less than their usual fees).

As you weigh your options, you may want to consider:

  • Would you rather pay more from each paycheck and less when you need care, or vice versa?
  • Do you expect high health care or prescription drug costs in 2022?
  • Is building a tax-free account through an HSA important to you?
  • Is your preferred doctor or therapist in-network?

Refer to the Blue Cross and UHC plans page for a detailed comparison chart, including biweekly paycheck deductions.

Key terms.

Review these terms to help you understand your medical coverage.

Term Definition

Coinsurance

The percent of health care costs you pay after meeting your deductible

Deductible

The amount you pay before your plan begins to pay for eligible health care expenses

Out-of-pocket maximum

The most you’ll pay for health care in a year—once you reach the maximum, you pay $0 for eligible health care expenses

Preventive care

Health care services that prevent illnesses or diseases, such as annual check-ups, screenings and immunizations

Provider network

A group of doctors, hospitals and other providers contracted to provide health care services to participants, typically for less than their usual fees; if a provider is in-network, you will typically save on out-of-pocket expenses

Service

Specific care or treatment you receive from a provider, such as preventive care, diagnostic tests, doctor visits, hospital stays, etc.