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Health

2027 Medical

We've made some big updates for next year. Take a peek at what's in store for 2027, including the return of Blue Cross Blue Shield of Texas for our national plans.

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Not sure which medical plan to pick? Use our new Medical Plan Recommendation Tool in Ask Benny. Just a few minutes of your time will have you feeling confident about 2027 Open Enrollment.

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Speed read

You'll continue to have five medical plan options. All the plans offer basically the same comprehensive coverage. The biggest differences are the networks you have access to and how and when you pay for care through — weekly paycheck contributions, deductibles, copays, coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. and out-of-pocket costs.

Your medical plan options

Surest Plan

Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
None
None
None
None
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
$5,500
$11,000
$11,000
$22,000
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
$0
$0
$205 copay
$205 copay
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
$25–$135 copay
$25–$135 copay
$220 copay
$220 copay
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
$25–$135 copay
$25–$135 copay
$220 copay
$220 copay
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
$80 copay
$80 copay
$210 copay
$210 copay
Inpatient hospital
$2,750 copay per stay; inpatient procedures $500–$3,500 copay
$2,750 copay per stay; inpatient procedures $500–$3,500 copay
$8,250 copay per stay; inpatient procedures up to $10,000 copay
$8,250 copay per stay; inpatient procedures up to $10,000 copay
Emergency care
$900 copay
$900 copay
$900 copay (counts toward the in-network out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.)
$900 copay (counts toward the in-network out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.)
Labs and x-ray
Routine labs and x-ray: $0. MRI, CT and other complex imaging: $125–$1,900 copay
Routine labs and x-ray: $0. MRI, CT and other complex imaging: $125–$1,900 copay
Routine labs and x-ray: $0. MRI, CT and other complex imaging: up to $5,700 copay
Routine labs and x-ray: $0. MRI, CT and other complex imaging: up to $5,700 copay
Maternity
Office visits: No charge. Delivery: $1,300–$2,750 copay
Office visits: No charge. Delivery: $1,300–$2,750 copay
Office visits: $205 copay. Delivery: $8,250 copay
Office visits: $205 copay. Delivery: $8,250 copay

BCBS HDHP 3800

Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
You pay 25% after deductible
You pay 25% after deductible
You pay 45% after deductible
You pay 45% after deductible
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
$3,800
$7,600
$11,400
$22,800
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
$7,000
$14,000
$21,000
$42,000
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
$0
$0
45% after deductible
45% after deductible
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
25% after deductible
25% after deductible
45% after deductible
45% after deductible
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Inpatient hospital
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Emergency care
$500 copay + 25% after deductible
$500 copay + 25% after deductible
$500 copay + 25% after deductible
$500 copay + 25% after deductible
Labs and x-ray
25% after deductible
25% after deductible
45% after deductible
45% after deductible
Maternity
25% after deductible
25% after deductible
45% after deductible
45% after deductible

BCBS PPO 1500

Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
You pay a copay or 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay a copay or 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay 40% after deductible
You pay 40% after deductible
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
$1,500
$3,000
$4,500
$9,000
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
$5,500
$11,000
$15,000
$30,000
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
$0
$0
40% after deductible
40% after deductible
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
$25 copay, deductible waived
$25 copay, deductible waived
40% after deductible
40% after deductible
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
Inpatient hospital
20% after deductible
20% after deductible
40% after deductible
40% after deductible
Emergency care
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
Labs and x-ray
20% after deductible
20% after deductible
40% after deductible
40% after deductible
Maternity
First prenatal visit: $25 PCP / $55 specialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. copay, deductible waived. Delivery: 20% after deductible
First prenatal visit: $25 PCP / $55 specialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. copay, deductible waived. Delivery: 20% after deductible
40% after deductible
40% after deductible
Your coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care.
Your annual deductibleAnnual DeductibleHow much you'll pay each year before your insurance starts helping. For example, if your deductible is $1,000, you'll pay that out of pocket first before your plan kicks in.
Your out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.
HSA
Healthcare FSA
Limited Purpose FSA
Best for you if…
Preventive carePreventive CareThese are healthcare services aimed at preventing diseases and maintaining health. Caliber's health plans cover a set of specific preventive services at no cost to you.
Primary Care ProviderPrimary Care ProviderYour primary care provider is the person who looks after your overall health, coordinates your treatments, and helps you get the care or specialists you need. It might be a doctor, nurse practitioner, physician's assistant or clinical nurse specialist. visit
SpecialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. office visit
Urgent careUrgent CareFor when you need quick care—but it's not a life-threatening emergency. Think sprains, bad colds, or small cuts that can't wait for a regular appointment but don't require a visit to the hospital.
Inpatient hospital
Emergency care
Labs and x-ray
Maternity

Surest Plan

You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
You pay a copay depending on the type of care (see below)
None
None
None
None
$5,500
$11,000
$11,000
$22,000
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
You like being able to look up the cost ahead of getting care and pay a flat copay.
$0
$0
$205 copay
$205 copay
$25–$135 copay
$25–$135 copay
$220 copay
$220 copay
$25–$135 copay
$25–$135 copay
$220 copay
$220 copay
$80 copay
$80 copay
$210 copay
$210 copay
$2,750 copay per stay; inpatient procedures $500–$3,500 copay
$2,750 copay per stay; inpatient procedures $500–$3,500 copay
$8,250 copay per stay; inpatient procedures up to $10,000 copay
$8,250 copay per stay; inpatient procedures up to $10,000 copay
$900 copay
$900 copay
$900 copay (counts toward the in-network out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.)
$900 copay (counts toward the in-network out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage.)
Routine labs and x-ray: $0. MRI, CT and other complex imaging: $125–$1,900 copay
Routine labs and x-ray: $0. MRI, CT and other complex imaging: $125–$1,900 copay
Routine labs and x-ray: $0. MRI, CT and other complex imaging: up to $5,700 copay
Routine labs and x-ray: $0. MRI, CT and other complex imaging: up to $5,700 copay
Office visits: No charge. Delivery: $1,300–$2,750 copay
Office visits: No charge. Delivery: $1,300–$2,750 copay
Office visits: $205 copay. Delivery: $8,250 copay
Office visits: $205 copay. Delivery: $8,250 copay

BCBS HDHP 3800

You pay 25% after deductible
You pay 25% after deductible
You pay 45% after deductible
You pay 45% after deductible
$3,800
$7,600
$11,400
$22,800
$7,000
$14,000
$21,000
$42,000
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
You like lower paycheck contributions because you don't visit the doctor often, and you want to save for future medical costs with an HSA.
$0
$0
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
$500 copay + 25% after deductible
$500 copay + 25% after deductible
$500 copay + 25% after deductible
$500 copay + 25% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible
25% after deductible
25% after deductible
45% after deductible
45% after deductible

BCBS PPO 1500

You pay a copay or 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay a copay or 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care. depending on the type of care (see below)
You pay 40% after deductible
You pay 40% after deductible
$1,500
$3,000
$4,500
$9,000
$5,500
$11,000
$15,000
$30,000
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
You're comfortable paying more out of your paycheck in exchange for predictable copays and lower coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care..
$0
$0
40% after deductible
40% after deductible
$25 copay, deductible waived
$25 copay, deductible waived
40% after deductible
40% after deductible
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
$55 copay, deductible waived
$55 copay, deductible waived
40% after deductible
40% after deductible
20% after deductible
20% after deductible
40% after deductible
40% after deductible
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
$500 copay + 20% coinsuranceCoinsuranceAfter you've met your annual deductible, this is your share of the bill. For example, if your plan covers 80%, you'll pay the remaining 20% of the cost of care., deductible waived
20% after deductible
20% after deductible
40% after deductible
40% after deductible
First prenatal visit: $25 PCP / $55 specialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. copay, deductible waived. Delivery: 20% after deductible
First prenatal visit: $25 PCP / $55 specialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. copay, deductible waived. Delivery: 20% after deductible
40% after deductible
40% after deductible

Note: In-network and out-of-network costs count toward separate deductibles and out-of-pocket maximums.

Download a PDF of the medical plan comparison chart here.

Your 2027 weekly cost per paycheck

Surest Plan

You only
$85.00
You + your spouse/domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old.
$196.00
You + your child(ren)
$153.00
You + your family
$267.00

BCBS HDHP 3800 Plan

You only
$44.00
You + your spouse/domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old.
$106.00
You + your child(ren)
$86.00
You + your family
$144.00

BCBS PPO 1500 Plan

You only
$104.00
You + your spouse/domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old.
$238.00
You + your child(ren)
$187.00
You + your family
$324.00

Note: Your paycheck contributions are pre-tax except for domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old. and domestic partner child(ren) contributions, which are post-tax.

Introducing BlueHPN

Depending on where you live, the BCBS PPO may require you to use BlueHPN (High Performance Network), which is a smaller network of high-quality doctors, rather than the broad BCBS network.

BlueHPN is a hand-picked network of thousands of doctors and facilities focused on providing top-quality care.

It depends on where you live. When you go to Workday during enrollment, your BCBS PPO plan option will include “HPN” in the name if the network is available to you. If you aren’t eligible, it won’t have HPN in the name. You can also call BCBS Health Advocacy Solutions at 1-855-552-7960 to check for you.

If you live within a BlueHPN ZIP code and use doctors and facilities outside BlueHPN, your care will not be covered (unless it’s an emergency).

Call BCBS Health Advocacy Solutions at 1-855-552-7960 or visit bcbstx.com/caliber. Scroll down to “Basic search as a guest” and answer the questions as follows:

  • SELECT THE TYPE OF PLAN OR NETWORK:
    Click on “Medical Plan or Network”.
  • SELECT THE STATE WHERE THE PLAN OR NETWORK IS OFFERED:
    Click on the state where you live.
  • SELECT HOW YOU GET HEALTH INSURANCE:
    Click on “Medical (Employer-Sponsored)“
  • SELECT A PLAN OR NETWORK:
    Select “National Blue High Performance Network”

Then click “Continue” and you’ll be taken to the screen where you can search by the name of your providerProviderAnyone who provides health care, including doctors, nurses, hospitals, lab facilities, clinics and urgent care centers., facility or service type.

A young man smiling at his phone on a couch

Introducing OneImaging

If you’re enrolling in Surest, BCBS PPO or BCBS HDHP, OneImaging is your medical imaging providerProviderAnyone who provides health care, including doctors, nurses, hospitals, lab facilities, clinics and urgent care centers. for MRIs, CT scans, X-rays, ultrasounds and mammograms. They can help you find a convenient center, schedule your appointment and get support along the way.

Activate your account starting January 1 at join.oneimaging.com/caliber so you’re ready when imaging is recommended, then simply send your provider’s order to OneImaging once you need it.

Need help choosing?

We’ve got you. There are two ways you can get help picking a plan that makes sense for you.

  • Chat: Launch Ask Benny by clicking the chat bubble on your screen and learn more about the plans, including what might make sense for you.
  • Call: Talk to an expert who can walk you through the plans and help you understand your options. Contact the Benefits Center at 1-844-347-8941, Monday – Friday, 7 a.m. – 7 p.m. CT. Spanish-speaking specialists are available.

Get in touch

BCBS Health Advocacy Solutions

Save to Phone as Contact

Surest

Group Number: 78800709
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