Medical

Compare Medical Plans

As you consider your options, keep in mind the main difference is how you pay—either more up front (per paycheck premium) and less when you get care (deductible and copays) ... or less up front and more when you get care.

Review the chart for a high-level overview and explore this page to learn more.

Medical Plan Overview PDF

All of our medical plans are adminstered by Baylor Scott & White Health Plan (BSWHP). If you are enrolled/planning to enroll in a BSW medical plan, be sure to link your employee account to your MyBSWHealth account for in-app access to the BSWHP.

Check Premiums

The amount you pay per pay period depends on the plan you choose and the number of covered dependents.

2024 Medical Premiums

What You Pay

Your cost for care depends on your medical plan, services received and where you go for care. With every plan, you get preventive care at no cost when you visit in-network providers.

The amount you pay per pay period depends on the plan you choose and the number of covered dependents. Premiums are deducted from your paycheck before taxes. If you change salary bands during the year, your premium will not be impacted.

Keep in mind the tobacco surcharge may impact the amount you pay in premiums.

2024 Cost & Coverage

Where to Go for Care

Knowing where to go for care could you save you time and money!

Where To Go For Care

Find a Provider

Understand Our Network Tiers

Depending on which medical plan you choose, you'll have access to one or more provider networks.

Tier 1: BSW Premier HMO (NEW)

Best value!

Get high-quality care at the lowest cost from this complete network of:

39,000+ primary care and specialty care physicians
259 hospitals and ambulatory surgical centers
270+ urgent care clinics
9,000+ behavioral health providers through Lyra

It is included in all medical plans and the only network available for the SEQA and EQA plans (except in cases of urgent/emergency care or rare situations when an in-network provider is not available, and authorization is provided).

Watch Network Tiers Video

Tier 2: UnitedHealthcare (NEW)

Only available with the PPO and HDHP plans, gives you access to a national network of providers.

If you or a covered dependent live out of state or 40 or more miles from the nearest Tier 1 acute-care hospital you are eligible to receive the modified Tier 2 out of area coverage -80% vs. 50% after Tier 2 deductible for inpatient and outpatient services).

Out-of-state employees and covered dependents are automatically flagged for the out-of-area coverage (no action required).
Employees and dependents that live 40 or more miles from the nearest Tier 1 acute care hospital must contact BSWHP Care Connect Center at 844-843-3229 and request the out-of-area coverage prior to receiving care.
If you or your dependent had the out-of-area coverage activated but no longer live out of state or 40 or more miles from a Tier 1 acute care hospital, contact BSWHP to deactivate this coverage.

Tier 3: Out-of-Network

Only available with the PPO and HSA plans. Tier 3 out-of-network providers will always be the most expensive option.

Virtual Care

Schedule an online doctor appointment to get the care you need when you need it, 24 hours a day, 7 days a week

Receive quality and convenient virtual care from a Baylor Scott & White provider (Tier 1) any time, using MyBSWHealth on a smartphone, computer or tablet. Learn how to schedule your virtual doctor visit today.

Video visits: Complete a face-to-face visit with your doctor using a camera-enabled device; or
eVisits: Complete a five-minute telehealth questionnaire about your symptoms and receive a response in less than an hour.

Make sure your MyBSWHealth and BSWHP accounts are linked so your claim is processed accordingly.

Tobacco Surcharge

We are committed to you and your family’s long-term health. If you and/or a dependent enroll in a medical plan, you will be asked about your tobacco usage within the last 12 months. If you confirm the use of tobacco products, you will pay a $30 tobacco surcharge for each member who uses tobacco, up to a maximum of $60 per pay period.

To remove the tobacco surcharge, you or your dependents must complete a tobacco cessation wellness coaching or have your physician provide a certification that you have quit using tobacco products. Please note that enrollment in the Tobacco Cessation Program will not prevent the tobacco surcharge from being applied. The surcharge will be applied until you or your dependents have completed the program and submitted the Tobacco Affidavit to PeoplePlace, which is provided once you complete the Tobacco Cessation Program.

Quit Tobacco

Helpful Resources

Need help choosing a medical plan?

Alex can help. Answer a few questions and get a custom recommendation in minutes.

Ask Alex

Have a medical plan question?

We’ve got answers.
Call Baylor Scott & White Health
Plan for assistance.

Call 844.843.3229

Need to enroll or submit a life event?

Visit PeoplePlace to select a plan or submit a qualifying life event.
Note: Log in required

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This site summarizes the programs and benefits available to employees and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program and are available on this site. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. Baylor Scott & White reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.

Click here if you have feedback on the website or need to report an issue. All other questions and issues, please contact the corresponding resource on the Need Help page.

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As a member of the BSW family, your health is a priority. That’s why our medical plans offer world-class care at affordable prices.

See below for 2024 details.

Compare Medical Plans

All of our medical plans are administered by

Baylor Scott & White Health Plan

Check Premiums

What You Pay

Where to Go for Care