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Medical

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 2023 details.

All of our medical plans are administered by

Baylor Scott & White Health Plan

Go to BSWHP portal
Overview
Select Exclusive Quality Alliance (SEQA)
Select Exclusive Quality Alliance (SEQA)

Employees making $28.00 or less an hour

Network:
  • Choose care from one of our Tier 1 BSWQA Network providers
  • No out-of-network coverage, except in cases of urgent/emergency care or rare situations when an in-network provider is not available and authorization is provided
Costs
  • $0 preventive visits and e-Visits
  • Low deductible
  • Predictable and affordable copays, including $400 for bundled maternity costs
  • 100% coverage for three physical therapy or chiropractic visits for back pain
  • You pay copays or coinsurance for prescription drugs from day one

  • Pair with the general-purpose FSA

Exclusive Quality Alliance (EQA)
Exclusive Quality Alliance (EQA)

Employees making $28.01 or more an hour

Network:
  • Choose care from one of our Tier 1 BSWQA Network providers
  • No out-of-network coverage, except in cases of urgent/emergency care or rare situations when an in-network provider is not available and authorization is provided
Costs:
  • $0 preventive visits
  • $0 e-Visits (Tier 1 only)
  • Low Deductible
  • Predictable copays, including $400 for bundled maternity costs
  • 100% coverage for three physical therapy or chiropractic visits for back pain
  • You pay copays or coinsurance for prescription drugs from day one

  • Pair with the general-purpose FSA

Preferred Provider Organization (PPO)
Preferred Provider Organization (PPO)

All benefits-eligible employees

Network:
  • Choose care from Tier 1, 2 or 3 providers – providers in our Tier 1 Network are always the best value
Costs:
  • $0 preventive visits
  • Moderate deductible and premiums
  • Copays apply for select services, including $1,200 for bundled maternity costs (with a Tier 1 provider)
  • 100% coverage for three physical therapy or chiropractic visits for back pain
  • You pay copays or coinsurance for prescription drugs from day one

Pair with the general-purpose FSA

Health Savings Account (HSA)
Health Savings Account (HSA)

All benefits-eligible employees

Network:
  • Choose care from Tier 1, 2 or 3 providers – providers in our Tier 1 Network are always the best value
Costs:
  • $0 preventive care
  • High deductible, low premiums
  • Once you meet your deductible, you pay 10% for Tier 1 and 50% for Tier 2 services (including maternity)
  • Pharmacy costs count toward your deductible or coinsurance up until the out-of-pocket maximum, and are covered at 90% after your deductible is met

Pair with the HSA OR the general-purpose FSA

Compare Medical Plans

As you consider your options, keep in mind the main difference is how you pay—either more up front (out-of-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 plans comparison chart

Medical Plan Overview PDF

Check Premiums

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

Compare Medical Premiums

Check Premiums PDF

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.

View 2023 cost and coverage PDF

What you pay for care

Where to Go for Care

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

Understand our Network Tiers 

Depending on your medical plan, you have access to providers from Tier 1, Tier 2 and Tier 3.

Keep in mind, Tier 1 Baylor Scott & White Quality Alliance (BSWQA) network offers the best value across all plans!

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 Network providers comparison chart

 

Tier 1 Baylor Scott & White Quality Alliance (BSWQA)

The BSWQA is a complete network of 8,400+ primary care and specialty care physicians, 86 hospitals and ambulatory surgical centers, and 120+ urgent care clinics working together to manage your health and well-being at an affordable price. The Tier 1 network 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).


Tier 2 Cigna National Network

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

If you or a covered dependent live 40 or more miles from the nearest Tier 1 acute-care hospital, contact Scott and White Health Plan (SWHP) at 844.843.3229 to activate out-of-area coverage (80% vs. 50% after Tier 2 deductible for inpatient and outpatient services).


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.

 

  • Find a Provider

    Full list of providers in Tier 1 and 2

    • Search by your medical plan 
    • Call Baylor Scott & White Health Plan (follow the prompts for Health Access) for direct assistance 

    Plus: Tap into the MyBSWHealth app for a quick search of all Tier 1 providers within our System.

    Find a Provider (SEQA and EQA) Find a Provider (PPO and HSA) Call BSWHP
  • Download App

    MyBSWHealth

    • Get care where and when you need it
    • Track your test results
    • View your BSW medical plan, deductible and claims
    • Access a digital copy of your medical insurance card
    • Refill and manage prescriptions at BSW pharmacies
    • Message your care team
    • And more!

    Note: Linking accounts should be done from a web browser, not the app.

    Download app Create your account Link your accounts

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.
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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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Welcome to Beni

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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