Medical

Blue Origin offers two medical plan options through Premera Blue Cross (Premera).

MEDICAL PLANS

You can choose the HDHP (High Deductible Health Plan) or the Traditional PPO (Preferred Provider Organization). Technically, both plans are PPOs as they both offer networks of preferred providers with in-network and out-of-network benefits. You will pay less out of your pocket when you choose an in-network provider.
The Traditional PPO offers copays for many covered services. With the HDHP there are no copays, but you may be eligible to open and fund a health savings account (HSA). Before you enroll in medical coverage, take some time to fully understand how each plan works. See page 6 for an overview of the plan benefits.

MEDICAL PLAN NETWORK

Both plans utilize one of Premera's broad national provider networks:

  • Employees in Washington and Alaska will utilize the HERITAGE network.
  • Employees outside of Washington and Alaska will utilize the BLUECARD PPO network.

To locate a provider or facility, visit premera.com and click on Find Care > Find a Doctor. Then select “Search all plan networks” and enter your location. Click "All Networks" on the next page, then:

  • EMPLOYEES IN WASHINGTON AND ALASKA: Select HERITAGE & HERITAGE PLUS 1 from the drop down list.
  • EMPLOYEES OUTSIDE OF WASHINGTON AND ALASKA: Select BLUECARD PPO network from the drop down list.

BLUECARD NATIONAL AND WORLDWIDE NETWORK COVERAGE

Both networks have access to the BlueCard Program, providing access to doctors and hospitals across the U.S. and in more than 200 countries and territories worldwide.

To find a provider, hospital, or other medical providers overseas, call the BlueCard number on the back of your card at 800-810-BLUE (2583).

PRESCRIPTION DRUGS

Both plans utilize the Premera E1/E4 Essentials prescription drug formulary. Some preventive drugs are covered at 100% on both plans. The HDHP covers some additional preventive drugs at 100%. See the PV Core Plus drug list for a list of these drugs.

ASK YOURSELF THESE QUESTIONS:

Can you set aside money from your paycheck to save for out-of-pocket health care costs?
Consider the Premera HDHP. You will have the option to fund a health savings account (HSA) that can save you money on your health care costs. See page 15 for more information.

Do you prefer to pay less when you visit the doctor’s office?
Consider the Premera PPO. While you will pay more from your paycheck each month for coverage, you will only be responsible for a small copay or cost share when you need care.

The Premera plans offer in- and out-of-network benefits, providing you the freedom to choose any provider. However, you will pay less out of your pocket when you choose a Premera provider.

The table below summarizes the benefits of each medical plan. The coinsurance amounts listed reflect the amount you pay. Please refer to the official plan documents for additional information on coverage and exclusions.

(1) No charge for specific preventive drugs. (2) Cost share is 30%. (3) Up to a 30-day supply for Specialty Mail Order.

ARE YOU COVERING YOUR SPOUSE/DOMESTIC PARTNER AND/OR CHILDREN?

  • HDHP MEMBERS: If you elect employee + spouse/DP, employee + child(ren), or family coverage, the individual deductible DOES NOT apply. The family deductible must be met, either by one individual, or by a combination of family members, before the plan begins to pay. The individual out-of-pocket maximum applies to each covered member of the family (capped at family amount).
  • PPO PLAN MEMBERS: If you elect employee + spouse/DP, employee + child(ren), or family coverage, the individual deductible and out-of-pocket maximum apply to each covered member of the family (capped at family amount).

MEDICAL COSTS

Listed below are the per pay period costs for medical insurance. Benefit deductions occur on the first two paychecks of the month for that month's coverage. For those months with three pay periods, there will be no deduction from the third paycheck. The amount you pay for coverage is deducted from your paycheck on a pre-tax basis, which means you don’t pay taxes on the amount you pay for coverage. The premium for your domestic partner (and their children) will be paid on a post-tax basis and may result in imputed income to you.

NICOTINE USE SURCHARGE

If you and/or your dependent use nicotine and enroll in a Blue Origin medical plan, a $25 per pay period surcharge will apply. To waive the surcharge, you must certify that you and/or your dependent are a non-nicotine user or that you and/or your dependent are a nicotine user enrolled in a cessation program. Refer to the Additional Benefits section within this guide for information on the nicotine cessation program Blue Origin offers through Quit For Life.

PREVENTIVE CARE

In-network preventive care is 100% free for medical plan members.

You won’t have to pay anything out of your pocket when you receive in-network preventive care. Practice preventive care and reap the rewards of a healthier future.

Preventive care helps keep you healthier long-term.
An annual preventive exam can help IDENTIFY FUTURE HEALTH RISKS and treat issues early when care is more manageable and potentially more effective.

Preventive care helps keep your costs low.
With a preventive care exam each year, you can TARGET HEALTH ISSUES EARLY when they are less expensive to treat. You can also effectively manage chronic conditions for better long-term health.

Preventive care keeps your health up to date.
Yearly check-ins with your doctor keeps your health on track with AGE- AND GENDER-SPECIFIC EXAMS, VACCINATIONS, AND SCREENINGS that could save your life.

Some services are generally not considered preventive if you get them as part of a visit to diagnose, monitor, or treat an illness or injury. Please be aware that you will be responsible for the cost of any non-preventive care services you receive at your preventive care exam based on your plan design.

Learn more about preventive care at premera.com.

ONLINE SERVICES AND PREMERA APP

Register at premera.com to access your ID card, view your benefits, find providers, and sign up for paperless explanation of benefits (EOB). Once you’ve registered, you can also download and log into the Premera app to access your coverage information.

Manage your prescriptions online where you can look up drug costs and copays, review your benefits, refill your prescriptions, and search the Preferred Drug List to find the most affordable and effective medication for your health needs.

ID CARDS

You will receive your new ID card in the mail within 2–3 weeks of submitting your enrollment as a new employee. Virtual ID cards load to premera.com in about a week.

Once your coverage is active, you can register at premera.com using the last four digits of your Social Security number to access your virtual ID card. Once registered, you can download and log into the Premera mobile app to access your ID card.

If you made changes to your plan or added dependents during open enrollment, you will receive new a new medical ID card prior to the effective date of the new plan year.

BESTBEGINNINGS MATERNITY APP

Premera's comprehensive BestBeginnings maternity program is available to provide you with all the information you need for a happy, healthy pregnancy. Manage your baby's health needs, track milestones, and access life hacks for new parents.

Download the BestBeginnings app or call Premera customer service to get started.

FREE 24-HOUR NURSELINE

Call 800-841-8343 to speak to a licensed nurse 24 hours a day, 7 days a week, for assistance deciding whether and where to seek medical care. This service is available AT NO COST to you.

VIRTUAL CARE

You have access to virtual care through 98point6, Doctors on Demand, Talkspace, Boulder Care, WorkIt Health,
and Physera. Get the care you need when and wherever you need it. Whether you're on the go, at home, or at the office, care comes to you in the form of virtual care:

  • 98POINT6: Text-basedprimarycare.
  • DOCTOR ON DEMAND: Virtual visits with a board- certified provider anytime, anywhere.
  • TALKSPACE: Online therapy with a licensed therapist through text or video.
  • BOULDER CARE: Opioid use and alcohol use disorder treatment for people over age 18. Video visits and text messaging allow people to connect with clinicians, care advocates, and support 24/7.
  • WORKIT HEALTH: Digital rehab and therapy to treat opioid and alcohol use disorder for people over age 18. Therapy also available for other addictions including drugs, smoking, and behaviors like gambling. A care team can be accessed 24/7.
  • OMADA (FORMERLY PHYSERA): Video physical therapy you can do from anywhere to diagnose and treat nearly all muscle and joint issues.

PREMERA MYCARE VIRTUAL CARE APP

Access all of Premera's virtual care programs through the Premera MyCare app. Easily connect all of these programs to your Premera coverage when you download the app and log into your account.

Scan the Premera MyCare QR code to the right to download the app. You will still use your Premera app to view your ID card and coverage information.

GET CARE FOR NON-EMERGENCY CONDITIONS
Virtual care can connect you to a doctor, without an appointment, from your phone, computer, or tablet. Receive care for common health issues like allergies, asthma, sore throat, fever, headache, rashes, and much more.

RECEIVE MENTAL HEALTH SUPPORT AND COUNSELING
Licensed counselors and psychiatrists can help diagnose, treat, and even prescribe medication when needed for depression and anxiety, substance abuse and panic disorders, PTSD, men and women's issues, grief and loss, and more.

TALK WITH A DOCTOR BY PHONE OR VIDEO, 24/7
Use virtual care to prioritize your health by getting the care you need when you need it. Visit premera.com, download the Premera MyCare mobile app, or call 800-722-1471 to get started.

Know where to go for care.
Where you go for medical services can make a big difference in how much you pay and how long you wait to see a health care provider. Use the chart below to help you choose where to go for care.

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    ENROLLMENT INSTRUCTIONS

    How To Enroll:

    NEW HIRES

    1. Complete the Change Benefits for Life Event enrollment task in your Workday inbox.
    2. Click Let's Get Started to waive or elect each of the benefits offered to you.
    3. Elect your plans, add your family members, then click Review and Sign.
    4. Review your benefits elections.
    5. Upload any required documentation, read and accept, and click Submit.
    6. Download and save your Benefits Statement.

    MID YEAR CHANGES

    1. Click the Benefits Application to submit your benefit changes
    2. Elect your plans, add your family members, then click Review and Sign.
    3. Review your benefits elections.
    4. Upload any required documentation, read and accept, and click Submit.
    5. Download and save your Benefits Statement.