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Save and Spend Wisely

You work hard for your money. It’s important to make it work hard for you, too. Being money smart means spending and saving wisely. We’ve got the tools and resources you need to make the best financial decisions for you and your family.

  • The Basics

    No matter your financial state, you can be money smart in ways that work for your life. From education to retirement and personal expenses, tap into your BSW resources.

Save Wisely

Here are a few ways you can start saving wisely.

You give your best at work each day, and you deserve the best in return—both now and in the future. That’s why we support your retirement goals through BSW’s contribution to your 401(k). Not only do we support you saving for the future, we encourage it with a dollar-for-dollar match on up to 5% of your eligible pay into your 401(k).

You can enroll in a tax-free account to help pay for eligible medical, dental and vision eligible expenses.

This is a smart way to save money while reducing the amount you pay in taxes, which means more money in your paychecks and tucked away in savings!

The HSA and limited-purpose FSA are available to those enrolled in the HSA Medical Plan. The general-purpose FSA is available to anyone else. For more information, watch these helpful videos .

Open a dependent care FSA and use tax-free dollars to pay for eligible dependent care expenses. Watch this helpful video for more information.


Spend Wisely

Here are a few ways you can start spending wisely.

Through the BSWH Discount Marketplace, you can access savings on products, services and brands you love—all designed with your well-being in mind. 

First time user? Sign up using your BSWH email address, date of birth and Employee Number that should be nine digits, including zeroes, and can be found on the back of your paycheck.

BSWH Discount Marketplace customer care: 866-664-4621 or

Sittercity’s comprehensive database of sitters, nannies and housekeepers lets you search for qualified individuals in your area for the times you need it most. 

Our Total Rewards programs are designed to help you live well in all aspects of life, and our tuition assistance program empowers you to achieve your educational goals. Learn more about our tuition assistance program, offered through Guild.

Financial Planning

These free resources allow you to talk with financial experts and learn tips for becoming a financial planning pro.

Advance care planning is a legal process for directing healthcare treatment for yourself at a time in the future if you can no longer make your wishes known. This is ideally initiated while you are relatively healthy, of sound mind and not under the stress of serious or bad news about your health. There are three types of advance directives in Texas to consider:

Learn more

Note: Log-in required.

My Financial Path My Financial Path through Empower Retirement is an online resource center that offers actionable next steps toward reducing stress and helping you achieve your financial goals. Use My Financial Path whether you're just starting out or trying to improve your situation. You can also access additional resources in Empower's Learning Center, which provides information to boost your financial IQ with various videos, tools, calculators and articles about financial topics.

Access a full-service financial wellness program through our employee assistance program (EAP). Start with a free 30-minute consultation with a certified financial expert, then continue with free Money Coaching for 30 days.

Helpful Resources

Call the Baylor Scott & White Health Plan and follow the prompts for HealthAccess for help finding a Tier 1 BSWQA provider, for the best care at
the best cost.

Call 844.BSW.QLTY

Avoid paying more for your medical premiums by avoiding the tobacco surcharge.

Tobacco Surcharge


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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