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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 2025 details.

Compare medical plans

As you consider your options, keep in mind the main difference is how you pay—either more up front (your rate per pay period) 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

Medical plans comparison chart

 

Live outside of Texas?

View your specialized 2025 Benefits guide to see what's available to you.

Pay period rates

The amount you pay per pay period depends on the plan you choose and the number of covered dependents. If your salary changes throughout the year, your pay period rate will not be impacted.

2025 medical rates

Medical rates per pay period PDF

What you pay for care

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.

 

2025 cost & coverage

Understand benefits terminology

What you pay for care

Where to go for care

Knowing where to go for care could 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

Best value!

The most cost-effective tier with the best value:

  • 39,000+ primary and specialty care physicians
  • 259+ hospitals and ambulatory surgical centers
  • 300+ urgent care clinics
  • 13,000 behavioral health providers through Lyra

Available with all medical plans and the only network 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: UnitedHealthcare

The next most cost-effective tier and only available with the Premium and HDHP plans:

  • Nationwide coverage through UnitedHealthcare.
  • If you or a covered dependent live 40 or more miles from the nearest Tier 1 acute-care hospital, you are eligible for the out-of-area benefit
    • New for 2025! Care received by Tier 2 providers will be covered at the Tier 1 benefit level.
    • This benefit must be activated through Baylor Scott & White Health Plan prior to receiving care. No action is required if previously activated
 

Tier 3: Out-of-Network

The highest cost tier and only available with the Premium and HDHP plans.

  • Includes physicians and providers, facilities and laboratories not included in any other network
Read more about your medical plan
Download your applicable guide to learn more:
SEQA Plan
For those enrolled in the SEQA Plan for 2024.

View SEQA Guide

EQA Plan
For those enrolled in the EQA Plan for 2024.

View EQA Guide

PPO Plan
For those enrolled in the PPO Plan for 2024.

View PPO Guide

HDHP Plan
For those enrolled in the HDHP Plan for 2024.

View HDHP Guide

  • MyBSWHealth app

    With the app you can get care when and where you need it.

    You're also able to see test results, get a digital copy of your medical insurance card, refill and manage presriptions at BSW pharmacies, message your care team and more!

    Link your account to view your BSW medical plan, deductible and claims! Note: Linking accounts should be done from a web browser, not the app.

    Download app Create your account Link 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.

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

Benefit terms can be confusing! That's why we made this resource to help you define key benefit terms and acronyms.

Benefits terminology

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

Go now

Navigating Medicare?

Whether you're exploring Medicare options for yourself or a loved one, ALEX Medicare can help you understand the options.

ALEX Medicare

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.

© 2023 Baylor Scott & White Health. All Rights Reserved.
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